{"id":87961,"date":"2021-04-27T10:41:21","date_gmt":"2021-04-27T10:41:21","guid":{"rendered":"https:\/\/www.alj.com\/?post_type=perspective&#038;p=87961"},"modified":"2022-12-22T05:40:35","modified_gmt":"2022-12-22T05:40:35","slug":"insuring-the-future","status":"publish","type":"perspective","link":"https:\/\/alj.com\/ar\/perspective\/insuring-the-future\/","title":{"rendered":"\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644"},"content":{"rendered":"<h4>\u0634\u0647\u062f\u062a \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0627\u0644\u0645\u064a\u064b\u0627 \u062a\u062d\u0648\u0644\u0627\u064b \u0645\u0644\u062d\u0648\u0638\u064b\u0627 \u0628\u0641\u0636\u0644 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u2013 \u0623\u0648 &#8220;\u0627\u0646\u0634\u0648\u0631\u062a\u0643&#8221; \u0643\u0645\u0627 \u064a\u0637\u0644\u0642 \u0639\u0644\u064a\u0647\u0627. \u00a0\u0648\u0644\u0627 \u064a\u0632\u0627\u0644 \u0647\u0630\u0627 \u0627\u0644\u0642\u0637\u0627\u0639 \u064a\u0634\u0647\u062f \u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u062a\u0637\u0648\u0631\u0627\u062a \u0645\u0639 \u0642\u064a\u0627\u0645 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0648\u0623\u0635\u062d\u0627\u0628 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a \u0627\u0644\u0645\u063a\u0627\u0645\u0631 \u0648\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062a\u0646\u0645\u064a\u0629 \u0648\u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0627\u0644\u0645\u062f\u0639\u0648\u0645\u0629 \u0645\u0646 \u0627\u0644\u062d\u0643\u0648\u0645\u0629 \u0628\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0645\u0644\u064a\u0627\u0631\u0627\u062a \u062e\u0644\u0627\u0644 \u0639\u0627\u0645 2020. \u0641\u0645\u0627 \u0627\u0644\u0645\u0642\u0635\u0648\u062f \u0628\u0627\u0646\u0634\u0648\u0631\u062a\u0643 \u0623\u0648 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u061f \u0648\u0645\u0627 \u0647\u064a \u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0648\u0627\u0644\u0641\u0631\u0635 \u0627\u0644\u062a\u064a \u062a\u0646\u0637\u0648\u064a \u0639\u0644\u064a\u0647\u0627 \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u061f<\/h4>\n<p>\u062e\u0644\u0627\u0644 \u0627\u0644\u0639\u0642\u062f \u0627\u0644\u0645\u0646\u0635\u0631\u0645\u060c \u0634\u0647\u062f \u0642\u0637\u0627\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u063a\u064a\u0631\u0627\u062a \u0648\u062a\u062d\u0648\u0644\u0627\u062a \u0625\u0644\u0649 \u0627\u0644\u0623\u0641\u0636\u0644 \u0643\u0645\u0627 \u062d\u0638\u064a \u0628\u062f\u0639\u0645 \u0647\u0627\u0626\u0644\u060c \u0648\u0630\u0644\u0643 \u0628\u0639\u062f \u0623\u0646 \u0623\u0635\u0628\u062d\u062a \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0645\u062a\u0627\u062d\u0629 \u0644\u0644\u062c\u0645\u064a\u0639 \u062d\u0648\u0644 \u0627\u0644\u0639\u0627\u0644\u0645. \u0648\u0642\u062f \u0623\u062f\u0649 \u0627\u0646\u062a\u0634\u0627\u0631 \u0627\u0644\u0647\u0648\u0627\u062a\u0641 \u0627\u0644\u0630\u0643\u064a\u0629 &#8211; \u0648\u0627\u0644\u062a\u064a \u0623\u0635\u0628\u062d\u062a \u0627\u0644\u0622\u0646 \u0641\u064a \u0627\u0644\u0645\u062a\u0646\u0627\u0648\u0644- \u0648\u0643\u0630\u0644\u0643 \u062e\u062f\u0645\u0627\u062a \u0634\u0628\u0643\u0627\u062a \u0627\u0644\u062c\u064a\u0644 \u0627\u0644\u0631\u0627\u0628\u0639 \u0648\u0627\u0644\u062e\u0627\u0645\u0633 \u0625\u0644\u0649 \u0638\u0647\u0648\u0631 \u0642\u0627\u0639\u062f\u0629 \u062a\u0636\u0645 \u0627\u0644\u0645\u0644\u064a\u0627\u0631\u0627\u062a \u0645\u0646 \u0627\u0644\u0639\u0645\u0644\u0627\u0621. \u0648\u0644\u0623\u0648\u0644 \u0645\u0631\u0629 \u0641\u064a \u0627\u0644\u062a\u0627\u0631\u064a\u062e\u060c \u0623\u0635\u0628\u062d \u0628\u0625\u0645\u0643\u0627\u0646 \u0645\u0632\u0627\u0631\u0639 \u0645\u0633\u062a\u0623\u062c\u0631 \u0641\u064a \u0643\u064a\u0646\u064a\u0627 \u0623\u0648 \u0633\u0627\u0626\u0642 \u0634\u0627\u062d\u0646\u0629 \u0641\u064a \u0643\u0627\u0646\u0633\u0627\u0633 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u062a\u063a\u0637\u064a\u0629 \u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u063a\u064a\u0631 \u0639\u0627\u062f\u064a\u0629\/ \u0645\u062e\u0635\u0635\u0629 -\u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u062a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0627\u0644\u062f\u0641\u0639 \u0639\u0646\u062f \u0648\u0642\u0648\u0639 \u0627\u0644\u062d\u062f\u062b\u060c \u0648\u0647\u0648 \u0645\u0627 \u064a\u062a\u0648\u0627\u0641\u0642 \u062a\u0645\u0627\u0645\u064b\u0627 \u0645\u0639 \u0623\u0633\u0644\u0648\u0628 \u062d\u064a\u0627\u0629 \u0647\u0624\u0644\u0627\u0621 \u0648\u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a\u0647\u0645.<\/p>\n<p>\u0648\u064a\u0634\u0647\u062f \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u062d\u0627\u0644\u064a \u0627\u0633\u062a\u0628\u062f\u0627\u0644 \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0642\u062f\u064a\u0645\u0629 \u0627\u0644\u062a\u064a \u062a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0648\u062b\u0627\u0626\u0642 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0648\u0631\u0642\u064a\u0629\u060c \u0648\u0627\u0644\u0631\u0633\u0648\u0645 \u0627\u0644\u0625\u062f\u0627\u0631\u064a\u0629 \u0644\u0644\u062a\u0639\u062f\u064a\u0644\u0627\u062a \u0645\u062a\u0648\u0633\u0637\u0629 \u0627\u0644\u0623\u062c\u0644\u060c \u0648\u0627\u0644\u0648\u0633\u0637\u0627\u0621 \u0627\u0644\u0645\u062d\u0644\u064a\u064a\u0646 \u0627\u0644\u0630\u064a\u0646 \u064a\u0628\u064a\u0639\u0648\u0646 \u0648\u062b\u0627\u0626\u0642 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0633\u0646\u0648\u064a\u0629 \u0645\u0642\u0627\u0628\u0644 \u0627\u0644\u0639\u0645\u0648\u0644\u0627\u062a\u060c \u0627\u0633\u062a\u0628\u062f\u0627\u0644 \u0643\u0644 \u0630\u0644\u0643 \u0633\u0631\u064a\u0639\u064b\u0627 \u0628\u0633\u0648\u0642 \u0631\u0642\u0645\u064a\u0629 &#8211; \u0648\u0646\u0638\u0627\u0645 \u0628\u064a\u0626\u064a \u2013 \u062a\u062d\u0638\u0649 \u0641\u064a\u0647 \u0642\u0648\u0629 \u0627\u0644\u0639\u0644\u0627\u0645\u0629 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0648\u0627\u0644\u062b\u0642\u0629 \u0648\u0627\u0644\u0645\u0643\u0627\u0641\u0622\u062a\/ \u0627\u0644\u0645\u064a\u0632\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0645\u0646\u062d \u0644\u0644\u0645\u0633\u062a\u0647\u0644\u0643 \u0628\u0623\u0647\u0645\u064a\u0629 \u0627\u0644\u0633\u0639\u0631 \u0646\u0641\u0633\u0647\u0627.<\/p>\n<p>\u0648\u0627\u0644\u0648\u0627\u0642\u0639 \u0623\u0646 \u0647\u0630\u0647 \u0627\u0644\u062a\u063a\u064a\u064a\u0631\u0627\u062a \u062a\u0623\u062a\u0649 \u0645\u062f\u0641\u0648\u0639\u0629 \u0625\u0644\u0649 \u062d\u062f \u0643\u0628\u064a\u0631 \u0628\u0625\u0628\u062f\u0627\u0639\u0627\u062a \u0627\u0646\u0634\u0648\u0631\u062a\u0643 \u0623\u0648 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062a\u064a \u062a\u064a\u0633\u0631\u0647\u0627 \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0645\u062a\u0642\u062f\u0645\u0629 \u0633\u0631\u064a\u0639\u0629 \u0627\u0644\u062a\u0637\u0648\u0631\u060c \u0648\u062e\u0627\u0635\u0629 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0648\u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0636\u062e\u0645\u0629\u060c \u0648\u0627\u0644\u0628\u0644\u0648\u0643 \u062a\u0634\u064a\u0646\/\u0633\u0644\u0633\u0644\u0629 \u0627\u0644\u0643\u062a\u0644\u060c \u0648\u0648\u0627\u062c\u0647\u0629 \u0628\u0631\u0645\u062c\u0629 \u0627\u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a\u060c \u0648\u0634\u0628\u0643\u0627\u062a \u0627\u0644\u062c\u064a\u0644 \u0627\u0644\u062e\u0627\u0645\u0633 \u0627\u0644\u062a\u064a \u062a\u0634\u0647\u062f \u062a\u0648\u0633\u0639\u0627\u062a \u0639\u0644\u0649 \u0646\u062d\u0648 \u0645\u062a\u0648\u0627\u0635\u0644.<\/p>\n<p>\u0648\u064a\u0639\u062f \u0643\u0644 \u0645\u0646 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0648\u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0636\u062e\u0645\u0629 \u0623\u062f\u0648\u0627\u062a \u0642\u0648\u064a\u0629 \u062a\u0628\u0631\u0632 \u0623\u0647\u0645\u064a\u062a\u0647\u0627 \u0639\u0646\u062f\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0627\u0644\u0623\u0645\u0631 \u0628\u062a\u0639\u0631\u064a\u0641 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u060c \u0648\u0647\u0648 \u0645\u0627 \u064a\u0624\u062f\u064a \u0628\u062f\u0648\u0631\u0647 \u0625\u0644\u0649 \u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0628\u0634\u0643\u0644 \u0635\u062d\u064a\u062d \u0641\u064a \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629. \u0648\u062a\u062c\u0639\u0644 \u062a\u0644\u0643 \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0627\u062a \u062a\u062a\u0645 \u0628\u0634\u0643\u0644 \u0623\u064a\u0633\u0631 \u0648\u0623\u0633\u0631\u0639\u060c \u0648\u0647\u0648 \u0645\u0627 \u064a\u0636\u0645\u0646 \u062e\u0641\u0636 \u0627\u0644\u062a\u0643\u0644\u0641\u0629 \u0648\u0633\u0631\u0639\u0629 \u0627\u0644\u062f\u0641\u0639. \u0645\u0646 \u0646\u0627\u062d\u064a\u0629 \u0623\u062e\u0631\u0649\u060c \u062a\u0633\u0647\u0645 \u062a\u0644\u0643 \u0627\u0644\u0623\u062f\u0648\u0627\u062a \u0641\u064a \u0627\u0644\u0642\u0636\u0627\u0621 \u0639\u0644\u0649 \u0627\u0644\u062a\u0645\u064a\u064a\u0632 \u0641\u064a \u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u060c \u0648\u0628\u0627\u0644\u062a\u0627\u0644\u064a \u0644\u0627 \u062a\u062a\u0623\u062b\u0631 \u0642\u064a\u0645\u0629 \u0627\u0644\u062a\u063a\u0637\u064a\u0629 \u0639\u0646 \u0639\u0645\u062f \u0644\u0627\u0639\u062a\u0628\u0627\u0631\u0627\u062a \u062a\u062a\u0639\u0644\u0642 \u0628\u0627\u0644\u0646\u0648\u0639 \u0623\u0648 \u0627\u0644\u0639\u0645\u0631 \u0623\u0648 \u0627\u0644\u062f\u062e\u0644 \u0623\u0648 \u0627\u0644\u062a\u0643\u0648\u064a\u0646 \u0627\u0644\u0639\u0631\u0642\u064a \u0644\u0644\u0645\u0646\u0637\u0642\u0629 \u0627\u0644\u062c\u063a\u0631\u0627\u0641\u064a\u0629 \u0623\u0648 \u0627\u0644\u062a\u062d\u064a\u0632\u0627\u062a \u0627\u0644\u062a\u0627\u0631\u064a\u062e\u064a\u0629 \u0627\u0644\u0623\u062e\u0631\u0649 \u0627\u0644\u0634\u0627\u0626\u0639\u0629 \u0641\u064a \u0628\u0639\u0636 \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0642\u062f\u064a\u0645\u0629.<\/p>\n<p>\u0623\u0645\u0627 \u062a\u0642\u0646\u064a\u0629 \u0627\u0644\u0628\u0644\u0648\u0643 \u062a\u0634\u064a\u0646\/\u0633\u0644\u0633\u0644\u0629 \u0627\u0644\u0643\u062a\u0644 \u0641\u0642\u062f \u0623\u062b\u0628\u062a\u062a \u0623\u0647\u0645\u064a\u062a\u0647\u0627 \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0648\u063a\u064a\u0631\u0647 \u0645\u0646 \u0627\u0644\u0623\u0645\u0648\u0631\u060c \u0646\u0638\u0631\u0627 \u0644\u0623\u0646 \u0633\u062c\u0644\u0627\u062a \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0645\u062d\u062f\u062f\u0629 \u0627\u0644\u062a\u0648\u0642\u064a\u062a\u060c \u0623\u0648 \u062a\u0627\u0631\u064a\u062e \u0628\u062f\u0627\u064a\u0629 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u062a\u0639\u062a\u0628\u0631 \u0628\u0627\u0644\u063a\u0629 \u0627\u0644\u0623\u0647\u0645\u064a\u0629\u060c \u0628\u064a\u0646\u0645\u0627 \u062a\u0645\u0643\u0646 \u0648\u0627\u062c\u0647\u0627\u062a \u0628\u0631\u0645\u062c\u0629 \u0627\u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0645\u0646 \u0631\u0628\u0637 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643 \u0628\u0643\u0644 \u062d\u0644\u0642\u0629 \u0641\u064a \u0633\u0644\u0633\u0644\u0629 \u0627\u0644\u0648\u062b\u064a\u0642\u0629\u060c \u0648\u0643\u0623\u0646\u0647 \u0646\u0638\u0627\u0645\u064b\u0627 \u0639\u0635\u0628\u064a\u064b\u0627 \u0645\u0631\u0643\u0632\u064a\u064b\u0627 \u0631\u0642\u0645\u064a\u064b\u0627. \u0648\u062a\u0648\u0641\u0631 \u0634\u0628\u0643\u0627\u062a \u0627\u0644\u062c\u064a\u0644 \u0627\u0644\u062e\u0627\u0645\u0633 \u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u062a\u062d\u062a\u064a\u0629 \u0627\u0644\u0644\u0627\u0632\u0645\u0629 \u0644\u0646\u0645\u0627\u0630\u062c \u062c\u062f\u064a\u062f\u0629 \u0644\u0644\u062a\u0641\u0627\u0639\u0644 \u0628\u064a\u0646 \u0645\u0642\u062f\u0645\u064a \u0627\u0644\u062e\u062f\u0645\u0629 \u0648\u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646.<\/p>\n<p>\u0648\u0628\u0627\u062e\u062a\u0635\u0627\u0631\u060c \u0641\u0625\u0646 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0623\u0643\u062b\u0631 \u0630\u0643\u0627\u0621\u064b \u0648\u062a\u062e\u0635\u064a\u0635\u064b\u0627 \u0644\u0644\u0628\u064a\u0627\u0646\u0627\u062a\u060c \u0648\u0643\u0630\u0644\u0643 \u062a\u062f\u0641\u0642 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0639\u0644\u0649 \u0646\u062d\u0648 \u0645\u062a\u0632\u0627\u064a\u062f \u0628\u0627\u0633\u062a\u0645\u0631\u0627\u0631 \u0645\u0646 \u0623\u062c\u0647\u0632\u0629 \u0648\u0645\u0635\u0627\u062f\u0631 \u0645\u062a\u0639\u062f\u062f\u0629\u060c \u064a\u062a\u064a\u062d \u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0625\u062d\u062f\u0627\u062b \u062a\u062d\u0648\u0644 \u0623\u0648 \u0644\u0646\u0642\u0644 \u0637\u0641\u0631\u0629 \u0641\u064a \u0642\u0637\u0627\u0639 \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0627\u0644\u0643\u0627\u0645\u0644. \u0648\u0645\u0639 \u0639\u062f\u0645 \u0648\u062c\u0648\u062f \u0645\u0646\u062a\u062c\u0627\u062a \u0623\u0648 \u0639\u0645\u0644\u064a\u0627\u062a \u0623\u0648 \u0623\u0646\u0638\u0645\u0629 \u062a\u0642\u0646\u064a\u0629 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0642\u062f\u064a\u0645\u0629 \u0648\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u064a\u0645\u0643\u0646\u0647\u0627 \u062a\u0642\u064a\u064a\u062f \u0630\u0644\u0643\u060c \u064a\u0635\u0628\u062d \u0645\u0646 \u0627\u0644\u0645\u0645\u0643\u0646 \u062a\u0635\u0645\u064a\u0645 \u0639\u0645\u0644\u064a\u0627\u062a \u0648\u0645\u0646\u062a\u062c\u0627\u062a \u0648\u0623\u0646\u0638\u0645\u0629 \u0631\u0642\u0645\u064a\u0629 \u062c\u062f\u064a\u062f\u0629 \u0645\u0646 \u0627\u0644\u0623\u0644\u0641 \u0625\u0644\u0649 \u0627\u0644\u064a\u0627\u0621. \u0643\u0645\u0627 \u064a\u0645\u0643\u0646 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0623\u062d\u062f\u062b \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0644\u0627\u0633\u062a\u0647\u062f\u0627\u0641 \u0642\u0637\u0627\u0639\u0627\u062a \u0645\u0639\u064a\u0646\u0629 \u0645\u0646 \u0627\u0644\u0633\u0648\u0642\u060c \u0628\u062f\u0644\u0627\u064b \u0645\u0646 \u0645\u062d\u0627\u0648\u0644\u0629 \u062a\u0648\u0641\u064a\u0631 \u062d\u0644\u0648\u0644 \u0634\u0627\u0645\u0644\u0629\u060c \u0648\u0630\u0644\u0643 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u062e\u0628\u0631\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0627\u0644\u0645\u062a\u0648\u0627\u0641\u0631\u0629 \u0644\u063a\u0631\u0636 \u062a\u0639\u0638\u064a\u0645 \u0627\u0644\u0642\u064a\u0645\u0629 \u0639\u0646 \u0637\u0631\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0645\u0646 \u0628\u0639\u0636 \u0627\u0644\u062e\u0635\u0627\u0626\u0635 \u0627\u0644\u062a\u064a \u062a\u0634\u0645\u0644:<\/p>\n<ul>\n<li><strong>\u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0627\u062a\u0635\u0627\u0644<\/strong>: \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0648\u0627\u0644\u0631\u0648\u0628\u0648\u062a\u0627\u062a \u0641\u064a \u062a\u0642\u062f\u064a\u0645 \u0645\u0634\u0648\u0631\u0629 \u0622\u0644\u064a\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0648\u0627\u062c\u0647\u0629 \u0639\u0645\u0644\u0627\u0621 \u0631\u0642\u0645\u064a\u0629 \u062a\u0639\u0645\u0644 \u0641\u064a \u0625\u0637\u0627\u0631 \u0627\u0644\u062a\u0648\u0632\u064a\u0639 \u0627\u0644\u0631\u0642\u0645\u064a.<\/li>\n<li><strong>\u0645\u0641\u0627\u0647\u064a\u0645 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u0645\u0633\u062a\u0647\u062f\u0641\u0629<\/strong>: \u062a\u0642\u062f\u064a\u0645 \u0645\u0646\u062a\u062c\u0627\u062a &#8220;\u0627\u0644\u062a\u0630\u0627\u0643\u0631 \u0627\u0644\u0635\u063a\u064a\u0631\u0629&#8221; \u0645\u062e\u0635\u0635\u0629 \u0644\u0644\u0639\u0645\u064a\u0644 \u062d\u0633\u0628 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0623\u0648 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0630\u0627\u062a \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0636\u0627\u0641\u0629.<\/li>\n<li><strong>\u0623\u062a\u0645\u062a\u0629 \u0643\u0627\u0645\u0644\u0629<\/strong>: \u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u0637\u0628\u064a\u0642 \u0645\u0646\u0647\u062c \u0622\u0644\u064a \u0645\u0624\u062a\u0645\u062a \u0641\u0642\u0637\u060c \u062a\u0642\u0648\u0645 \u0627\u0646\u0634\u0648\u0631\u062a\u0643 \/ \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u062e\u0641\u0636 \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641 \u0648\u062a\u0633\u0631\u064a\u0639 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0645\u0646 \u0623\u062c\u0644 \u062a\u062d\u0642\u064a\u0642 \u062a\u0648\u0642\u0639\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u0627\u0621.<\/li>\n<li><strong>\u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u0642\u0631\u0627\u0631\u0627\u062a \u0648\u0627\u0644\u0631\u0624\u0649 \u0648\u0627\u0644\u0623\u0641\u0643\u0627\u0631 \u0627\u0639\u062a\u0645\u0627\u062f\u064b\u0627 \u0639\u0644\u0649 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a<\/strong>: \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0645\u0635\u0627\u062f\u0631 \u0645\u062a\u0646\u0648\u0639\u0629 \u0644\u0644\u0628\u064a\u0627\u0646\u0627\u062a\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0627\u0644\u0627\u062a\u0635\u0627\u0644\u0627\u062a \u0639\u0646 \u0628\u064f\u0639\u062f \u0648\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u0647\u0648\u0627\u062a\u0641 \u0627\u0644\u0630\u0643\u064a\u0629 \u060c \u062a\u0637\u0628\u0642 \u0627\u0634\u0648\u0631\u062a\u0643 \/ \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u062a\u0639\u0644\u0645 \u0627\u0644\u0622\u0644\u064a \u0644\u062a\u0642\u062f\u064a\u0645 \u0645\u0646\u062a\u062c\u0627\u062a \u0648\u062e\u062f\u0645\u0627\u062a \u0645\u0628\u062a\u0643\u0631\u0629 \u0648\u0645\u062e\u0635\u0635\u0629.<\/li>\n<\/ul>\n<p><em>\u00a0\u0648\u0642\u0627\u0644\u062a <\/em>\u0646\u064a\u0644\u0648\u0641\u0631 \u062c\u0648\u0646\u0647\u0627\u0646\u060c \u0627\u0644\u0631\u0626\u064a\u0633 \u0627\u0644\u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0634\u0631\u0643\u0629 \u0639\u0628\u062f \u0627\u0644\u0644\u0637\u064a\u0641 \u062c\u0645\u064a\u0644:<\/p>\n<blockquote>\n<p><em>&#8220;\u062a\u0639\u064a\u062f \u0627\u0646\u0634\u0648\u0631\u062a\u0643 \u062a\u0639\u0631\u064a\u0641 \u062a\u062c\u0631\u0628\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0628\u062a\u0643\u0627\u0631\u0627\u062a \u062a\u0634\u0645\u0644 \u0627\u0644\u0627\u0643\u062a\u062a\u0627\u0628 \u0627\u0644\u062e\u0627\u0644\u064a \u0645\u0646 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u060c \u0648\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0641\u0648\u0631\u064a\u060c \u0648\u0645\u0639\u0627\u0644\u062c\u0629 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0645\u0646 \u062e\u0644\u0627\u0644 \u0637\u0631\u064a\u0642\u0629 \u062a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a\u060c \u0648\u0647\u0648 \u0645\u0627 \u064a\u062c\u0639\u0644 \u0631\u062d\u0644\u0629 \u0627\u0644\u0639\u0645\u064a\u0644 \u062a\u062a\u0645 \u0628\u0634\u0643\u0644 \u0623\u0633\u0631\u0639 \u0648\u0623\u064a\u0633\u0631 \u0648\u0623\u0643\u062b\u0631 \u0641\u0639\u0627\u0644\u064a\u0629 \u0648\u0643\u0641\u0627\u0621\u0629&#8221;<\/em><em>.<\/em><\/p>\n<p>\u0648\u062a\u0636\u064a\u0641 &#8220;\u062a\u0642\u064a\u0645 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0645\u0635\u0646\u0639\u0629 \u0644\u0644\u0645\u0639\u062f\u0627\u062a \u0627\u0644\u0623\u0635\u0644\u064a\u0629\u060c \u0648\u0627\u0644\u062a\u064a \u062a\u062a\u0648\u0627\u062c\u062f \u062f\u0627\u062e\u0644 \u0642\u0637\u0627\u0639 \u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a\u060c \u0634\u0631\u0627\u0643\u0627\u062a \u062c\u062f\u064a\u062f\u0629 \u064a\u062a\u0645\u062b\u0644 \u0647\u062f\u0641\u0647\u0627 \u0641\u064a \u062a\u0637\u0648\u064a\u0631 \u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u062f\u0641\u0639 \u062f\u0627\u062e\u0644 \u0627\u0644\u0633\u064a\u0627\u0631\u0629 \u0648\u0647\u0648 \u0645\u0627 \u064a\u0633\u0645\u062d \u0644\u0642\u0627\u0626\u062f \u0627\u0644\u0633\u064a\u0627\u0631\u0629 \u0628\u0627\u0644\u062f\u0641\u0639 \u0645\u0642\u0627\u0628\u0644 \u0628\u0639\u0636 \u0627\u0644\u0623\u0634\u064a\u0627\u0621 \u0645\u062b\u0644 \u0627\u0644\u0648\u0642\u0648\u062f \u0648\u0627\u0644\u0648\u062c\u0628\u0627\u062a \u0627\u0644\u062e\u0641\u064a\u0641\u0629 \u0623\u0648 \u062d\u062a\u0649 \u062d\u062c\u0648\u0632\u0627\u062a \u0627\u0644\u0641\u0646\u0627\u062f\u0642 \u0645\u0628\u0627\u0634\u0631\u0629\u064b \u0648\u0647\u0645 \u062f\u0627\u062e\u0644 \u0633\u064a\u0627\u0631\u0627\u062a\u0647\u0645&#8221;.<\/p>\n<\/blockquote>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignright size-full wp-image-87938\" src=\"https:\/\/www.alj.com\/app\/uploads\/2021\/04\/ALJ-Insurance-Tech-Infographics-Health.jpg\" alt=\"\" width=\"2560\" height=\"1896\" \/><\/p>\n<h2>\u0627\u0644\u062a\u0637\u0648\u0631 \u0641\u064a \u0645\u0642\u0627\u0628\u0644 \u0627\u0644\u0627\u0636\u0637\u0631\u0627\u0628<\/h2>\n<p>\u0647\u0646\u0627\u0643 \u0637\u0631\u064a\u0642\u0627\u0646 \u0631\u0626\u064a\u0633\u064a\u0627\u0646 \u064a\u062a\u0639\u0644\u0642\u0627\u0646 \u0628\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646: \u0627\u0644\u062a\u0637\u0648\u0631 \u0648\u0627\u0644\u062a\u062d\u0633\u064a\u0646 \u0641\u064a \u0645\u0642\u0627\u0628\u0644 \u0627\u0644\u0628\u0644\u0628\u0644\u0629 \u0648\u0627\u0644\u0627\u0636\u0637\u0631\u0627\u0628<\/p>\n<p>\u0648\u064a\u062a\u0639\u0644\u0642 \u0627\u0644\u0637\u0631\u064a\u0642 \u0627\u0644\u0623\u0648\u0644 \u0628\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u064a \u062a\u0639\u0645\u0644 \u0639\u0644\u0649 \u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0642\u0627\u0626\u0645\u0629 \u0648\u062a\u0646\u0641\u064a\u0630\u0647\u0627 \u0628\u0634\u0643\u0644 \u0623\u0633\u0631\u0639 \u0648\u0623\u064a\u0633\u0631 \u0648\u0623\u0643\u062b\u0631 \u0628\u0633\u0627\u0637\u0629. \u0648\u064a\u063a\u0637\u064a \u0630\u0644\u0643 80\u066a \u0645\u0646 \u062c\u0645\u064a\u0639 \u062e\u062f\u0645\u0627\u062a \u0627\u0646\u0634\u0648\u0631\u062a\u0643 \u0623\u0648 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646. \u0648\u0642\u062f \u0642\u0627\u0645\u062a \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u064a \u062c\u0645\u064a\u0639 \u0623\u0646\u062d\u0627\u0621 \u0627\u0644\u0639\u0627\u0644\u0645 \u0628\u062a\u0637\u0628\u064a\u0642 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u062a\u062f\u0631\u064a\u062c\u064a\u0627\u064b \u0645\u0646\u0630 \u0627\u062e\u062a\u0631\u0627\u0639 \u0634\u0631\u064a\u062d\u0629 \u0627\u0644\u0633\u064a\u0644\u064a\u0643\u0648\u0646. \u0641\u0641\u064a \u0635\u0646\u0627\u0639\u0629 \u062a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0648\u0627\u0644\u0623\u0645\u0648\u0631 \u0627\u0644\u0625\u062f\u0627\u0631\u064a\u0629\u060c \u062a\u0639\u0646\u0649 \u0627\u0646\u0634\u0648\u0631\u062a\u0643 \/\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u062d\u0644 \u0627\u0644\u0645\u0634\u0643\u0644\u0627\u062a \u0627\u0644\u064a\u0648\u0645\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u0648\u0627\u062c\u0647\u0647\u0627 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0627\u0644\u0648\u0633\u0637\u0627\u0621 \u0628\u062a\u0643\u0644\u0641\u0629 \u0623\u0642\u0644 \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0642\u0627\u0626\u0645\u0629 \u062d\u0627\u0644\u064a\u064b\u0627.<\/p>\n<p>\u0648\u0641\u064a \u062a\u0642\u0631\u064a\u0631\u0647\u0627 \u0644\u0639\u0627\u0645 2019\u060c \u0648\u0627\u0644\u0630\u064a \u0635\u062f\u0631 \u062a\u062d\u062a \u0639\u0646\u0648\u0627\u0646 &#8221; \u0623\u0646\u0634\u0648\u0631\u062a\u0643 \u062a\u0632\u062f\u0647\u0631&#8221;<a href=\"#_ftn1\" name=\"_ftnref1\">[1]<\/a>\u060c \u0623\u062c\u0631\u062a \u0634\u0631\u0643\u0629 \u0627\u0643\u0633\u0646\u0634\u0631 \u0644\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u0627\u062a Accenture \u00a0\u0627\u0633\u062a\u0642\u0635\u0627\u0621\u064b\u0627 \u0634\u0645\u0644 \u062d\u0648\u0627\u0644\u064a 450 \u0634\u0631\u0643\u0629 \u00a0\u062a\u0639\u0645\u0644 \u0641\u064a \u0645\u062c\u0627\u0644 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u063a\u064a\u0629 \u0627\u0644\u0646\u0641\u0627\u0630 \u0625\u0644\u0649 \u0623\u0639\u0645\u0627\u0642 \u0627\u0644\u0642\u0637\u0627\u0639 \u0648\u0641\u0647\u0645\u0647 \u0628\u0634\u0643\u0644 \u0623\u0641\u0636\u0644. \u0648\u0642\u062f \u062a\u0645\u062b\u0644\u062a \u0625\u062d\u062f\u0649 \u0627\u0644\u0646\u0642\u0627\u0637 \u0627\u0644\u0645\u0647\u0645\u0629 \u0627\u0644\u062a\u064a \u062a\u0645\u062e\u0636 \u0639\u0646\u0647\u0627 \u0627\u0644\u0627\u0633\u062a\u0642\u0635\u0627\u0621 \u0641\u064a \u0623\u0646 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0644\u0627 \u062a\u0632\u0627\u0644 \u062a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0623\u0646\u0638\u0645\u0629 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u0642\u0648\u0645 \u0628\u062a\u062e\u0632\u064a\u0646 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0628\u0634\u0643\u0644 \u0622\u0645\u0646 \u0641\u064a \u0645\u0633\u062a\u0648\u062f\u0639\u0627\u062a. \u0648\u064a\u0645\u0643\u0646 \u0627\u0644\u0642\u0648\u0644 \u0625\u0646 \u0623\u0639\u0638\u0645 \u062e\u0637\u0648\u0629 \u062a\u0645 \u0627\u062a\u062e\u0627\u0630\u0647\u0627 \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u062a\u062d\u0633\u064a\u0646 \u0643\u0627\u0641\u0629 \u062c\u0648\u0627\u0646\u0628 \u0639\u0645\u0644\u064a\u0629 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0642\u062f \u062a\u0645\u062b\u0644\u062a \u0641\u064a \u0627\u0639\u062a\u0645\u0627\u062f &#8220;\u0646\u0638\u0627\u0645 \u0644\u0644\u0628\u064a\u0627\u0646\u0627\u062a&#8221;\u060c \u0628\u062f\u0644\u0627\u064b \u0645\u0646 \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0642\u062f\u064a\u0645 \u0627\u0644\u0630\u064a \u064a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0627\u0644\u062a\u062e\u0632\u064a\u0646 \u0648\u0627\u0644\u0645\u0633\u062a\u0648\u062f\u0639\u0627\u062a.<\/p>\n<p>\u0648\u064a\u0648\u0636\u062d \u062a\u0642\u0631\u064a\u0631 \u0627\u0643\u0633\u0646\u0634\u0631 &#8221; \u0623\u0646 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0642\u062f\u064a\u0645\u0629 \u0627\u0644\u0644\u0627\u0645\u0631\u0643\u0632\u064a\u0629 \u0648\u0627\u0644\u0645\u062d\u0627\u0637\u0629 \u0628\u0647\u064a\u0627\u0643\u0644 \u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0648\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u0642\u062f \u062a\u0645\u062b\u0644 \u0639\u0648\u0627\u0626\u0642 \u064a\u0635\u0639\u0628 \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639\u0647\u0627. \u0648\u064a\u062c\u062f\u0631 \u0628\u0627\u0644\u0642\u0627\u0626\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0646\u0634\u0648\u0631\u062a\u0643\/ \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062a\u0641\u0643\u064a\u0631 \u0641\u064a \u0627\u0644\u062a\u0639\u0627\u0648\u0646 \u0645\u0639 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0623\u062e\u0631\u0649 \u0645\u0646 \u0623\u062c\u0644 \u062a\u0648\u0641\u064a\u0631 \u0639\u0631\u0648\u0636 \u0631\u0642\u0645\u064a\u0629 &#8220;.<\/p>\n<p>\u0625\u0646 \u0625\u0632\u0627\u0644\u0629 \u062a\u0644\u0643 \u0627\u0644\u0639\u0648\u0627\u0626\u0642 \u0648\u0643\u0633\u0631 \u0627\u0644\u062d\u0648\u0627\u062c\u0632 \u0627\u0644\u0627\u0641\u062a\u0631\u0627\u0636\u064a\u0629 \u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0629 \u0628\u064a\u0646 \u0633\u062c\u0644\u0627\u062a \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0645\u0646 \u0634\u0627\u0646\u0647\u0627 \u0627\u0644\u0633\u0645\u0627\u062d \u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0627\u0644\u0648\u0633\u0637\u0627\u0621 \u0628\u0627\u0644\u0639\u0645\u0644 \u0645\u0639 \u0634\u0631\u0643\u0627\u062a \u062e\u0627\u0631\u062c\u064a\u0629\u060c \u0645\u062b\u0644 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0639\u0646\u064a\u0629 \u0628\u0627\u0644\u0623\u062a\u0639\u0627\u0628\/\u0627\u0644\u0646\u0641\u0642\u0627\u062a \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0623\u0648 \u0634\u0631\u0643\u0627\u062a \u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0627\u0644\u0645\u0631\u0643\u0628\u0627\u062a \u060c \u0628\u0634\u0643\u0644 \u0623\u0633\u0631\u0639\u060c \u0641\u0636\u0644\u0627\u064b \u0639\u0646 \u062a\u062d\u0633\u064a\u0646 \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u0629 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0647\u0627.<\/p>\n<p>\u062b\u0645\u0629 \u0627\u0644\u0645\u0626\u0627\u062a \u0645\u0646 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0645\u0647\u062a\u0645\u0629 \u0628\u062a\u062d\u0633\u064a\u0646 \u0623\u062f\u0627\u0621 \u0643\u0627\u0641\u0629 \u0627\u0644\u0648\u0638\u0627\u0626\u0641 \u0627\u0644\u0625\u062f\u0627\u0631\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u0648\u062c\u062f \u0641\u064a \u0639\u0627\u0644\u0645 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u060c \u0648\u064a\u0634\u0645\u0644 \u0630\u0644\u0643 \u0623\u0628\u0631\u0632 \u0644\u0627\u0639\u0628\u064a \u0627\u0644\u0642\u0637\u0627\u0639 \u0645\u062b\u0644 \u0623\u0645\u0627\u0632\u0648\u0646 \u0648\u064a\u0628 \u0633\u064a\u0631\u0641\u064a\u0633\u0632\u060c \u0648\u0623\u0648\u0631\u0627\u0643\u0644\u060c \u0648 &#8220;\u062f\u064a \u0625\u0643\u0633 \u0633\u064a \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a&#8221; \u0648&#8221;\u0625\u0643\u0633\u0646\u062a\u0634\u0631&#8221;\u060c \u0648&#8221;\u0643\u0627\u0628 \u062c\u064a\u0645\u064a\u0646\u064a&#8221; \u0648\u063a\u064a\u0631\u0647\u0627.<\/p>\n<p>\u0648\u0641\u064a \u0627\u0644\u0645\u0642\u0627\u0628\u0644\u060c \u0627\u0634\u062a\u0631\u0643 \u0623\u0643\u0628\u0631 \u0644\u0627\u0639\u0628\u064a \u0627\u0644\u0645\u062c\u0627\u0644 \u0645\u0639 \u0627\u0644\u0645\u062a\u062e\u0635\u0635\u064a\u0646 \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644 SaaS (\u0627\u0644\u0628\u0631\u0645\u062c\u064a\u0627\u062a \u0643\u062e\u062f\u0645\u0629) \u0645\u062a\u0648\u0633\u0637\u0629 \u0627\u0644\u062d\u062c\u0645 \u0645\u062b\u0644 Pegasystems \u0648 Duck Creek \u0648 Guidewire Software \u0648 OutSystems \u0648\u063a\u064a\u0631\u0647\u0627 \u0627\u0644\u0643\u062b\u064a\u0631. \u0648\u0642\u062f \u062e\u0644\u0642 \u0630\u0644\u0643 \u0646\u0638\u0627\u0645\u064b\u0627 \u0628\u064a\u0626\u064a\u064b\u0627 \u0644\u0644\u0645\u0639\u0631\u0641\u0629 \u0648\u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u062a\u064a \u064a\u0645\u0643\u0646 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u064a\u0647\u0627 \u0645\u0646 \u0642\u0628\u0644 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0627\u0644\u0648\u0643\u0644\u0627\u0621\u060c \u0645\u0646 \u0623\u062c\u0644 \u0625\u062f\u0627\u0631\u0629 \u0623\u0641\u0636\u0644 \u0644\u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a \u0627\u0644\u0642\u062f\u064a\u0645 \u0625\u0644\u0649 \u0646\u0638\u0627\u0645 \u063a\u064a\u0631 \u0639\u0627\u062f\u064a \u064a\u062a\u0633\u0645 \u0628\u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u0631\u0648\u0646\u0629 \u0648\u064a\u062d\u0642\u0642 \u0631\u063a\u0628\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u0627\u0621.<\/p>\n<p>\u0644\u0630\u0644\u0643 \u0628\u062f\u0644\u0627\u064b \u0645\u0646 \u062a\u062e\u0632\u064a\u0646 \u0628\u064a\u0627\u0646\u0627\u062a \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u064a \u0645\u0633\u062a\u0648\u062f\u0639\u0627\u062a \u0645\u062b\u0644\u0645\u0627 \u0643\u0627\u0646 \u064a\u062d\u062f\u062b \u0641\u064a \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629\u060c \u064a\u0645\u0643\u0646 \u0644\u0643\u0644 \u0634\u0631\u0643\u0629 \u0634\u0631\u064a\u0643\u0629 \u0641\u064a \u0627\u0644\u0633\u0644\u0633\u0644\u0629 \u0623\u0646 \u062a\u062e\u062a\u0627\u0631 \u0627\u0644\u063a\u0648\u0635 \u0641\u064a \u0633\u064a\u0644 \u0644\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0639\u0646\u062f\u0645\u0627 \u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u0630\u0644\u0643. \u0648\u0642\u062f \u064a\u0634\u0645\u0644 \u0630\u0644\u0643 \u062c\u062f\u0627\u0648\u0644 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0644\u0644\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u0645\u062d\u062a\u0645\u0644\u0629 \u0644\u0643\u0627\u0631\u062b\u0629 \u0632\u0644\u0632\u0627\u0644 \u0641\u064a \u0627\u0644\u064a\u0627\u0628\u0627\u0646\u060c \u0623\u0648 \u0628\u064a\u0627\u0646\u0627\u062a \u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0644\u0645\u0627\u0644\u0643 \u0634\u0631\u0643\u0629 \u0645\u0631\u0633\u064a\u062f\u0633 \u0645\u0646 \u0645\u0646\u0637\u0642\u0629 \u0627\u0644\u0627\u062a\u062d\u0627\u062f \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a. \u0641\u0645\u0646 \u062e\u0644\u0627\u0644 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0627\u0643\u0629\u060c \u064a\u0645\u0643\u0646 \u0625\u0636\u0627\u0641\u0629 \u0643\u0644 \u0639\u0646\u0635\u0631 \u0628\u0648\u0627\u0633\u0637\u0629 \u0623\u064a \u0645\u0646 \u0623\u062f\u0648\u0627\u062a \u0627\u0646\u0634\u0648\u0631\u062a\u0643\/ \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0623\u0648 \u0645\u0646 \u0642\u0628\u0644 \u0648\u0633\u064a\u0637 \u0623\u0648 \u0634\u0631\u0643\u0629 \u062a\u0623\u0645\u064a\u0646 \u062f\u0627\u062e\u0644 \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0628\u064a\u0626\u064a \u0644\u0634\u0631\u0643\u062a\u0647\u0645. \u0648\u064a\u0648\u0641\u0631 \u0630\u0644\u0643 \u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0643\u0628\u0631\u0649 \u0627\u0644\u0641\u0631\u0635\u0629 \u0644\u0644\u062e\u0631\u0648\u062c \u0628\u0623\u0641\u0643\u0627\u0631 \u062c\u062f\u064a\u062f\u0629 \u0648\u062a\u0637\u0648\u064a\u0631\u0647\u0627 \u0628\u0648\u062a\u064a\u0631\u0629 \u0623\u0633\u0631\u0639\u060c \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0645\u0646 \u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u062e\u0628\u0631\u0627\u062a \u0627\u0644\u062a\u064a \u064a\u0648\u0641\u0631\u0647\u0627 \u0634\u0631\u0643\u0627\u0621 \u0627\u0646\u0634\u0648\u0631\u062a\u0643 \/ \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646.<\/p>\n<p>\u0648\u062b\u0645\u0629 \u0646\u0642\u0637\u0629 \u0645\u0647\u0645\u0629 \u0623\u062e\u0631\u0649: \u0641\u0628\u0641\u0636\u0644 \u0627\u0644\u0627\u0628\u062f\u0627\u0639\u0627\u062a \u0648\u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0642\u062f\u0645\u0647\u0627 \u0627\u0646\u0634\u0648\u0631\u062a\u0643\/ \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u060c \u064a\u0645\u0643\u0646 \u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0622\u0646 \u062a\u0646\u0641\u064a\u0630 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u0647\u0627\u0645 \u0627\u0644\u0625\u062f\u0627\u0631\u064a\u0629 \u0627\u0644\u062a\u064a \u0643\u0627\u0646 \u064a\u0642\u0648\u0645 \u0628\u0647\u0627 \u0641\u064a \u0627\u0644\u0633\u0627\u0628\u0642 \u0627\u0644\u0648\u0633\u0637\u0627\u0621 \u0648\u0627\u0644\u0648\u0643\u0644\u0627\u0621 \u0648\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646. \u0641\u064a\u062a\u0645 \u062a\u062d\u0645\u064a\u0644 \u062a\u0639\u062f\u064a\u0644\u0627\u062a \u0645\u0646\u062a\u0635\u0641 \u0627\u0644\u0645\u062f\u0629 (MTAs) \u0645\u062b\u0644 \u062a\u063a\u064a\u064a\u0631 \u0627\u0644\u0639\u0646\u0648\u0627\u0646 \u0648\u0627\u0644\u062d\u0627\u0644\u0629 \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a\u0629 \u0648\u062a\u063a\u064a\u064a\u0631 \u0627\u0644\u0648\u0638\u0627\u0626\u0641 \u0648\u0645\u0627 \u0625\u0644\u0649 \u0630\u0644\u0643 \u0645\u0646 \u0642\u0628\u0644 \u062d\u0627\u0645\u0644\u064a \u0648\u062b\u0627\u0626\u0642 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u0647\u0648\u0627\u062a\u0641 \u0627\u0644\u0630\u0643\u064a\u0629. \u0648\u0647\u0630\u0627 \u0647\u0648 \u0627\u0644\u0633\u0628\u0628 \u0627\u0644\u0630\u064a \u064a\u062c\u0639\u0644 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u0634\u0628\u0643\u0629 \u0622\u0645\u0646\u0629 \u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0645\u062a\u0639\u062f\u062f\u0629 \u0627\u0644\u0642\u0646\u0648\u0627\u062a\u060c \u0628\u064a\u0646\u0645\u0627 \u064a\u0643\u0648\u0646 \u0644\u062f\u064a\u0647\u0627 \u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0646\u0641\u0633\u0647 \u0627\u0644\u0642\u062f\u0631\u0629 \u0639\u0644\u0649 \u0623\u062a\u0645\u062a\u0629 \u0623\u0643\u0628\u0631 \u0639\u062f\u062f \u0645\u0645\u0643\u0646 \u0645\u0646 \u0627\u0644\u0648\u0638\u0627\u0626\u0641 \u0627\u0644\u0625\u062f\u0627\u0631\u064a\u0629 \u0628\u062f\u0621 \u0645\u0646 \u062a\u0642\u062f\u064a\u0645 \u0639\u0631\u0648\u0636 \u0627\u0644\u0623\u0633\u0639\u0627\u0631 \u0648\u0648\u0635\u0648\u0644\u0627\u064b \u0625\u0644\u0649 \u062f\u0641\u0639 \u062a\u0639\u0648\u064a\u0636\u0627\u062a \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0627\u062a.<\/p>\n<p>\u0648\u0641\u064a \u0627\u0644\u0648\u0627\u0642\u0639\u060c \u062a\u0648\u0641\u0631 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0627\u0644\u0646\u0637\u0627\u0642 \u0627\u0644\u0623\u0643\u0628\u0631 \u0644\u062a\u0637\u0648\u064a\u0631 \u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0646\u0634\u0648\u0631\u062a\u0643\/ \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062a\u064a \u062a\u0648\u0641\u0631 \u0648\u0642\u062a\u064b\u0627 \u062b\u0645\u064a\u0646\u064b\u0627 \u0643\u0627\u0646 \u064a\u0647\u062f\u0631 \u0641\u064a \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0625\u062f\u0627\u0631\u064a\u0629. \u0641\u0639\u0646\u062f\u0645\u0627 \u062a\u062a\u0639\u0627\u0645\u0644 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0645\u0639 500 \u0645\u0637\u0627\u0644\u0628\u0629 \u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u062a\u062a\u0639\u0644\u0642 \u0628\u0633\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u062d\u0648\u0627\u062f\u062b \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0634\u0647\u0631\u064a\u064b\u0627 \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644\u060c \u0641\u0625\u0646 \u0623\u064a \u0628\u0631\u0646\u0627\u0645\u062c \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0648\u0641\u0631 \u0628\u0636\u0639 \u062f\u0642\u0627\u0626\u0642 \u0645\u0646 \u0627\u0644\u0648\u0642\u062a \u0645\u0646\u0630 (\u0623\u0648\u0644 \u0625\u062e\u0637\u0627\u0631 \u0628\u0627\u0644\u062d\u0627\u062f\u062b) \u0648\u062d\u062a\u0649 \u062a\u0633\u0648\u064a\u0629 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0642\u062f \u064a\u0648\u0641\u0631 \u0645\u0646 10 \u0625\u0644\u0649 25 \u062f\u0648\u0644\u0627\u0631\u064b\u0627 \u0627\u0645\u0631\u064a\u0643\u064a\u064b\u0627 \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0643\u0644 \u0645\u0637\u0627\u0644\u0628\u0629. \u0648\u064a\u0645\u062b\u0644 \u0643\u0644 \u0625\u0646\u062c\u0627\u0632 \u064a\u062a\u0645 \u0625\u062d\u0631\u0627\u0632\u0647 \u0641\u064a \u0645\u062c\u0627\u0644 &#8221; \u0627\u0644\u0628\u0631\u0645\u062c\u064a\u0627\u062a \u0643\u062e\u062f\u0645\u0629&#8221; \u062e\u0637\u0648\u0629 \u0635\u063a\u064a\u0631\u0629 \u0625\u0644\u0649 \u0627\u0644\u0623\u0645\u0627\u0645\u060c \u0648\u0644\u0643\u0646 \u0625\u0630\u0627 \u062a\u062d\u062f\u062b\u0646\u0627 \u0628\u0644\u063a\u0629 \u0627\u0644\u0645\u0627\u0644 \u064a\u0645\u0643\u0646 \u0627\u0644\u0642\u0648\u0644 \u0625\u0646 &#8220;\u0627\u0644\u0628\u0631\u0645\u062c\u064a\u0627\u062a \u0643\u062e\u062f\u0645\u0629&#8221; \u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u0624\u062b\u0631 \u062a\u0623\u062b\u064a\u0631\u064b\u0627 \u0627\u064a\u062c\u0627\u0628\u064a\u064b\u0627 \u0639\u0644\u0649 \u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0627\u0644\u0646\u0647\u0627\u0626\u064a\u0629 \u0644\u0644\u0639\u0627\u0644\u0645 \u0627\u0644\u0645\u0627\u0644\u064a.<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignright size-full wp-image-87924\" src=\"https:\/\/www.alj.com\/app\/uploads\/2021\/04\/ALJ-Insurance-Tech-Infographics-Data.jpg\" alt=\"\" width=\"2560\" height=\"1707\" \/><\/p>\n<h2>\u0642\u0644\u0628 \u0627\u0644\u0645\u0648\u0627\u0632\u064a\u0646 \u0641\u064a \u0642\u0637\u0627\u0639 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646<\/h2>\n<p>\u062a\u0639\u062a\u0628\u0631 \u0627\u0644\u062a\u063a\u064a\u0631\u0627\u062a \u0627\u0644\u062a\u064a \u064a\u0634\u0647\u062f\u0647\u0627 \u0642\u0637\u0627\u0639 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0623\u0645\u0631\u064b\u0627 \u0645\u062b\u064a\u0631\u064b\u0627 \u0644\u0644\u0627\u0647\u062a\u0645\u0627\u0645. \u0641\u0639\u0646\u062f\u0645\u0627 \u062a\u062a\u062d\u062f\u062b \u0639\u0646 \u0628\u0646\u0627\u0621 \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644\u060c \u0641\u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u062a\u0631\u0649 \u062a\u062f\u0641\u0642\u0627\u062a \u0647\u0627\u0626\u0644\u0629 \u0644\u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0648\u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a \u0627\u0644\u0645\u063a\u0627\u0645\u0631. \u0648\u064a\u0631\u062c\u0639 \u0630\u0644\u0643 \u0625\u0644\u0649 \u062d\u062f \u0645\u0627 \u0625\u0644\u0649 \u0623\u0646 \u0646\u0637\u0627\u0642 \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u062e\u0627\u0635 \u0628\u0642\u0637\u0627\u0639 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u064a\u062e\u0636\u0639 \u0644\u0647\u064a\u0645\u0646\u0629 \u0643\u0628\u0631\u0649 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629 \u0648\u0634\u0631\u0643\u0627\u062a \u0641\u0648\u0631\u062a\u0634\u0646 500 \u2013 \u0648\u0627\u0644\u062a\u0649 \u062f\u0627\u0626\u0645\u0627 \u0645\u0627 \u064a\u062a\u0648\u0627\u0641\u0631 \u0644\u062f\u064a\u0647\u0627 \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0644\u0627\u0632\u0645 \u0644\u0644\u0642\u064a\u0627\u0645 \u0628\u0647\u0630\u0647 \u0627\u0644\u0645\u0647\u0645\u0629. \u0648\u0644\u0643\u0646 \u062b\u0645\u0629 \u062d\u0642\u064a\u0642\u0629 \u0645\u0647\u0645\u0629 \u0623\u062e\u0631\u0649 \u0648\u0647\u064a \u0623\u0646 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062d\u0648\u0644 \u0627\u0644\u0639\u0627\u0644\u0645 \u062a\u0648\u0634\u0643 \u0639\u0644\u0649 \u0645\u0648\u0627\u062c\u0647\u0629 \u0627\u0636\u0637\u0631\u0627\u0628. \u0648\u0642\u062f \u0623\u062f\u0649 \u0630\u0644\u0643 \u0625\u0644\u0649 \u062a\u0648\u062c\u0647 \u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u0639\u0644\u0649 \u0646\u062d\u0648 \u0645\u062a\u0632\u0627\u064a\u062f \u0625\u0644\u0649 \u0627\u0644\u062a\u0641\u0643\u064a\u0631 \u0641\u064a \u0634\u0631\u0627\u0621 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0641\u064a \u0645\u062c\u0627\u0644 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646.<\/p>\n<p>\u0648\u0648\u0641\u0642\u064b\u0627 \u0644\u062a\u0642\u0631\u064a\u0631 \u0648\u064a\u0644\u0632 \u062a\u0627\u0648\u0631\u0632 \u0648\u0627\u0633\u0637\u0648\u0646 \u0627\u0644\u0631\u0628\u0639 \u0633\u0646\u0648\u064a \u0639\u0646 \u0642\u0637\u0627\u0639 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646<a href=\"#_ftn2\" name=\"_ftnref2\">[2]<\/a>\u060c \u0644\u0645 \u062a\u0646\u062c\u062d \u062c\u0627\u0626\u062d\u0629 \u0643\u0648\u0631\u0648\u0646\u0627 \u0627\u0644\u0645\u0633\u062a\u062c\u062f \u0641\u064a \u0627\u0644\u062a\u0623\u062b\u064a\u0631 \u0639\u0644\u0649 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0645\u062c\u0627\u0644 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0634\u0643\u0644 \u0639\u0627\u0645 \u0641\u064a \u0639\u0627\u0645 2020 \u0648\u0627\u0644\u0630\u064a \u0643\u0627\u0646 \u2013 \u0639\u0644\u0649 \u0627\u0644\u0639\u0643\u0633 &#8211; \u0639\u0627\u0645\u064b\u0627 \u0642\u064a\u0627\u0633\u064a\u064b\u0627 \u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646: &#8220;\u0641\u0642\u062f \u0627\u0633\u062a\u0645\u0631\u062a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629 \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u064a \u0627\u0644\u0646\u0645\u0648 \u0641\u064a \u0639\u0627\u0645 \u0643\u0627\u0646 \u0627\u0644\u0627\u0636\u0637\u0631\u0627\u0628 \u0647\u0648 \u0633\u0645\u062a\u0647 \u0627\u0644\u0623\u0628\u0631\u0632 \u0644\u064a\u0635\u0644 \u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0633\u0646\u0648\u064a \u0641\u064a \u0645\u062c\u0627\u0644 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0625\u0644\u0649 \u0623\u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0644\u0647 \u0639\u0644\u0649 \u0627\u0644\u0625\u0637\u0644\u0627\u0642 \u062e\u0644\u0627\u0644 \u0639\u0627\u0645 2020 \u060c \u0625\u0630 \u0633\u062c\u0644 7.1 \u0645\u0644\u064a\u0627\u0631 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u0648\u062d\u0648\u0627\u0644\u064a 377 \u0635\u0641\u0642\u0629&#8221;.<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignright size-full wp-image-87931\" src=\"https:\/\/www.alj.com\/app\/uploads\/2021\/04\/ALJ-Insurance-Tech-Infographics-Growth.jpg\" alt=\"\" width=\"2560\" height=\"1991\" \/><\/p>\n<h2>\u0646\u0648\u0639 \u062c\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a<\/h2>\n<p>\u0648\u0643\u0645\u0627 \u0623\u0648\u0636\u062d\u062a \u0634\u0631\u0643\u0629 KPMG \u0641\u064a \u062a\u0642\u0631\u064a\u0631 \u0623\u062c\u0631\u062a\u0647 \u0639\u0646 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u064a \u0639\u0627\u0645 2019<a href=\"#_ftn3\" name=\"_ftnref3\">[3]<\/a>\u060c \u0641\u0625\u0646 \u0627\u0644\u062a\u062d\u0648\u0644 \u0645\u0646 \u0627\u0645\u062a\u0644\u0627\u0643 \u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a \u0625\u0644\u0649 \u062a\u0623\u062c\u064a\u0631\u0647\u0627\u060c \u0623\u0648 \u0645\u062c\u0631\u062f \u0634\u0631\u0627\u0621 \u0627\u0634\u062a\u0631\u0627\u0643\u0627\u062a \u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062a\u0646\u0642\u0644 \u0641\u064a \u0627\u0644\u0645\u0646\u0627\u0637\u0642 \u0627\u0644\u062d\u0636\u0631\u064a\u0629\u060c \u064a\u0639\u062f \u0623\u062d\u062f \u0623\u0628\u0631\u0632 \u0627\u0644\u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u062a\u064a \u062a\u0639\u0648\u0642 \u0633\u0648\u0642 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a. \u0648\u0642\u062f \u062d\u0638\u064a \u0647\u0630\u0627 \u0627\u0644\u0627\u062a\u062c\u0627\u0647 \u0628\u062f\u0641\u0639\u0629 \u0628\u0633\u0628\u0628 \u0627\u0644\u062c\u0627\u0626\u062d\u0629\u060c \u062e\u0627\u0635\u0629 \u0641\u064a \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u0627\u062a \u0627\u0644\u063a\u0631\u0628\u064a\u0629\u060c \u062d\u064a\u062b \u0623\u062f\u0649 \u0627\u0644\u0627\u062a\u062c\u0627\u0647 \u0625\u0644\u0649 \u0627\u0644\u0639\u0645\u0644 \u0639\u0646 \u0628\u0639\u062f \u0625\u0644\u0649 \u062a\u0631\u0627\u062c\u0639 \u0627\u0644\u0627\u0646\u062a\u0642\u0627\u0644 \u0625\u0644\u0649 \u0627\u0644\u0645\u0643\u0627\u062a\u0628 \u0641\u064a \u0627\u0644\u0645\u062f\u0646 \u0627\u0644\u0643\u0628\u0631\u0649.<\/p>\n<p>\u0648\u062a\u0642\u0648\u0645 \u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0639\u0646 \u0643\u0644 \u0645\u064a\u0644 \u0648\u0627\u0644\u062a\u064a \u062a\u0642\u062f\u0645\u0647\u0627 \u0634\u0631\u0643\u0627\u062a \u0645\u062b\u0644 \u0645\u062a\u0631\u0648\u0645\u064a\u0644 \u0641\u064a \u0627\u0644\u0648\u0644\u0627\u064a\u0627\u062a \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u0623\u0648 \u0628\u0627\u064a \u0645\u064a\u0644\u0632 \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u0623\u0648 \u0628\u0648\u0644\u064a\u0633\u064a \u0628\u0627\u0632\u0627\u0631 \u0641\u064a \u0627\u0644\u0647\u0646\u062f \u0628\u0627\u0644\u0634\u064a\u0621 \u0627\u0644\u0623\u0633\u0627\u0633\u064a \u0646\u0641\u0633\u0647: \u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u0633\u062a\u0645\u0631\u0629 \u0627\u0639\u062a\u0645\u0627\u062f\u064b\u0627 \u0639\u0644\u0649 \u0633\u0644\u0648\u0643 \u0627\u0644\u0633\u0627\u0626\u0642 \u0648\u0627\u0644\u0637\u0631\u0642 \u0627\u0644\u062a\u064a \u064a\u062a\u0645 \u0627\u0644\u0633\u0641\u0631 \u0639\u0644\u064a\u0647\u0627 \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0628\u064a\u0627\u0646\u0627\u062a \u0623\u062e\u0631\u0649 \u064a\u062a\u0645 \u062c\u0645\u0639\u0647\u0627 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0640 DAS \u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0629 \u0641\u064a \u0627\u0644\u0633\u064a\u0627\u0631\u0629.<\/p>\n<figure id=\"attachment_52291\" aria-describedby=\"caption-attachment-52291\" style=\"width: 200px\" class=\"wp-caption alignleft\"><img decoding=\"async\" loading=\"lazy\" class=\"size-medium wp-image-52291\" src=\"https:\/\/www.alj.com\/app\/uploads\/2019\/10\/nilufer-gunhan-1000x1278-200x300.jpg\" alt=\"Nil\u00fcfer G\u00fcnhan\" width=\"200\" height=\"300\" srcset=\"https:\/\/media.alj.com\/app\/uploads\/2019\/10\/nilufer-gunhan-1000x1278-200x300.jpg 200w, https:\/\/media.alj.com\/app\/uploads\/2019\/10\/nilufer-gunhan-1000x1278-100x150.jpg 100w, https:\/\/media.alj.com\/app\/uploads\/2019\/10\/nilufer-gunhan-1000x1278-768x1153.jpg 768w, https:\/\/media.alj.com\/app\/uploads\/2019\/10\/nilufer-gunhan-1000x1278-682x1024.jpg 682w, https:\/\/media.alj.com\/app\/uploads\/2019\/10\/nilufer-gunhan-1000x1278.jpg 1000w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/><figcaption id=\"caption-attachment-52291\" class=\"wp-caption-text\">\u0646\u064a\u0644\u0648\u0641\u0631 \u062c\u0648\u0646\u0647\u0627\u0646\u060c \u0631\u0626\u064a\u0633 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629<br \/>\n\u0639\u0628\u062f \u0627\u0644\u0644\u0637\u064a\u0641 \u062c\u0645\u064a\u0644 \u0644\u0644\u062a\u0645\u0648\u064a\u0644<\/figcaption><\/figure>\n<p>\u0648\u064a\u0639\u062f \u0630\u0644\u0643 \u062a\u062d\u0648\u0644\u0627\u064b \u0646\u0633\u0628\u064a\u064b\u0627 \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0627\u0643\u062a\u062a\u0627\u0628 \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0637\u0631\u064a\u0642\u0629 \u0627\u0644\u062c\u062f\u0648\u0644 \u0627\u0644\u0627\u0643\u062a\u0648\u0627\u0631\u064a \u0627\u0644\u062d\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u063a\u0637\u0649 \u0625\u062d\u0635\u0627\u0626\u064a\u0627\u062a \u0627\u0644\u062c\u0631\u0627\u0626\u0645 \u0627\u0644\u0645\u062d\u0644\u064a\u0629 \u0648\u0633\u062c\u0644 \u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0627\u0644\u0633\u0627\u0626\u0642\u064a\u0646 \u0648\u0627\u0644\u0648\u0638\u0627\u0626\u0641 \u0648\u0627\u0644\u0646\u0648\u0639 \u0648\u0627\u0644\u062d\u0627\u0644\u0629 \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a\u0629 \u0648\u0645\u0627 \u0625\u0644\u0649 \u0630\u0644\u0643. \u0648\u0646\u0638\u0631\u064b\u0627 \u0644\u0623\u0646 \u0628\u064a\u0627\u0646\u0627\u062a \u0631\u062d\u0644\u0629 \u0627\u0644\u0633\u064a\u0627\u0631\u0629 \u062a\u062a\u0627\u0628\u0639 \u0639\u0645\u0644\u064a\u062a\u0647\u0627 \u0641\u064a \u0625\u0637\u0627\u0631 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 &#8211; \u0648\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 &#8211; \u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u0641\u0639\u0644\u064a\u060c \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0647\u0648\u0627\u062a\u0641 \u0627\u0644\u0630\u0643\u064a\u0629 \u0623\u0648 \u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u0627\u062a\u0635\u0627\u0644\u0627\u062a \u0639\u0646 \u0628\u064f\u0639\u062f\u060c \u0641\u0625\u0646 \u0630\u0644\u0643 \u064a\u062a\u064a\u062d \u0644\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0627\u062d\u062a\u0633\u0627\u0628 \u0623\u0642\u0633\u0627\u0637 \u0627\u0644\u062a\u062c\u062f\u064a\u062f \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644\u064a\u0629 \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u062a\u064a \u064a\u062a\u0645 \u062c\u0645\u0639\u0647\u0627. \u0641\u0644\u0645 \u064a\u0639\u062f \u062a\u0633\u0639\u064a\u0631 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u064a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0627\u0644\u062e\u0635\u0648\u0645\u0627\u062a \u0627\u0644\u0623\u0648\u0644\u064a\u0629 \u0644\u0639\u062f\u0645 \u0648\u062c\u0648\u062f \u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0623\u0648 \u0639\u0646\u0648\u0627\u0646 \u062d\u0627\u0645\u0644 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0648\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0648\u0638\u064a\u0641\u0629.<\/p>\n<p>\u0648\u064a\u062a\u064a\u062d \u0630\u0644\u0643 \u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0623\u0646 \u062a\u062c\u0639\u0644 \u0643\u0644 \u0648\u062b\u064a\u0642\u0629 \u0634\u062e\u0635\u064a\u0629 \u0644\u0644\u063a\u0627\u064a\u0629 \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u0645\u0644\u0641 \u062a\u0639\u0631\u064a\u0641 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u062e\u0627\u0635 \u0628\u0627\u0644\u0633\u0627\u0626\u0642 \u0627\u0644\u0641\u0631\u062f\u064a. \u0639\u0644\u0627\u0648\u0629 \u0639\u0644\u0649 \u0630\u0644\u0643\u060c \u0641\u0647\u064a \u062a\u0639\u0645\u0644 \u0639\u0644\u0649 \u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0629 \u0628\u0627\u0644\u0643\u0627\u0645\u0644 \u062d\u062a\u0649 \u0644\u0627 \u064a\u0643\u0648\u0646 \u0647\u0646\u0627\u0643 \u0627\u062a\u0647\u0627\u0645\u0627\u062a \u0628\u0627\u0644\u062a\u062d\u064a\u0632 \u0628\u0633\u0628\u0628 \u0627\u0644\u0646\u0648\u0639 \u0623\u0648 \u0627\u0644\u0647\u0648\u064a\u0629 \u0627\u0644\u0639\u0631\u0642\u064a\u0629 \u0623\u0648 \u0627\u0644\u0637\u0628\u0642\u0629 \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a\u0629.<\/p>\n<p>&#8220;\u0648\u0645\u0639 \u0632\u064a\u0627\u062f\u0629 \u0639\u062f\u062f \u0645\u0642\u062f\u0645\u064a \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u060c \u0641\u0625\u0646 \u0645\u0646 \u064a\u062a\u0645\u062a\u0639 \u0628\u0623\u0641\u0636\u0644 \u062a\u062c\u0631\u0628\u0629 \u0631\u0642\u0645\u064a\u0629 \u0648 \u064a\u0645\u062a\u0644\u0643 \u0627\u0641\u0636\u0644 \u0648\u0633\u0627\u0626\u0644 \u0644\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0627\u0641\u0636\u0644 \u0642\u062f\u0631\u0627\u062a \u062a\u0646\u0628\u0624\u064a\u0629 \u0633\u064a\u0641\u0648\u0632 \u0628\u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u062a\u0623\u0643\u062f \u0645\u0646 \u0623\u0646 \u0645\u0627 \u064a\u062a\u0645 \u062a\u0642\u062f\u064a\u0645\u0647 \u0645\u0646 \u062d\u0644\u0648\u0644 \u0647\u064a \u0627\u0644\u0623\u0643\u062b\u0631 \u0645\u0644\u0627\u0621\u0645\u0629 \u0648\u064a\u062a\u0645 \u062a\u0642\u062f\u064a\u0645\u0647\u0627 \u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u0645\u0646\u0627\u0633\u0628. \u0648\u062a\u0642\u0648\u0644 \u0646\u064a\u0644\u0648\u0641\u0631 \u062c\u0648\u0646\u0647\u0627\u0646: &#8220;\u0633\u062a\u0641\u062a\u062d \u0647\u0630\u0647 \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u0627\u0644\u0623\u0628\u0648\u0627\u0628 \u0623\u0645\u0627\u0645 \u0627\u0644\u0645\u0632\u064a\u062f \u0648\u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u062a\u062c\u0627\u0631\u0628 \u0627\u0644\u0645\u062a\u0643\u0627\u0645\u0644\u0629&#8221;.<\/p>\n<h2>\u062a\u063a\u064a\u0631\u0627\u062a \u0627\u0644\u0627\u0633\u0648\u0627\u0642 \u0648\u062f\u0639\u0645 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646<\/h2>\n<p>\u0639\u0644\u0649 \u0627\u0644\u0631\u063a\u0645 \u0645\u0646 \u0623\u0646 \u062c\u0627\u0626\u062d\u0629 \u0641\u064a\u0631\u0648\u0633 \u0643\u0648\u0631\u0648\u0646\u0627 \u0627\u0644\u0645\u0633\u062a\u062c\u062f \u0642\u062f \u0623\u062f\u062a \u0625\u0644\u0649 \u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0627\u0647\u062a\u0645\u0627\u0645 \u0628\u062d\u0644\u0648\u0644 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0635\u062d\u064a \u0627\u0644\u062c\u062f\u064a\u062f \u0648\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0633\u0641\u0631\u060c \u0643\u0627\u0646 \u062a\u0623\u062b\u064a\u0631 \u0623\u0628\u0631\u0632 \u0627\u0644\u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a\u0629 \u0639\u0644\u0649 \u0646\u0645\u0648 \u0642\u0637\u0627\u0639 \u0627\u0646\u0634\u0648\u0631\u062a\u0643\/ \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0623\u0639\u0645\u0642 \u0645\u0646 \u0630\u0644\u0643 \u0628\u0643\u062b\u064a\u0631. \u0625\u0630 \u062a\u062e\u0644\u0642 \u0627\u0644\u0627\u062a\u062c\u0627\u0647\u0627\u062a \u0627\u0644\u062f\u064a\u0645\u0648\u062c\u0631\u0627\u0641\u064a\u0629 \u0648\u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a\u0629 \u0639\u0644\u0649 \u0627\u0644\u0645\u062f\u0649 \u0627\u0644\u0637\u0648\u064a\u0644 \u0641\u0631\u0635\u064b\u0627 \u0644\u0644\u0642\u0627\u0626\u0645\u064a\u0646 \u0639\u0644\u0649 \u0644\u0627\u0646\u0634\u0648\u0631\u062a\u0643\/ \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0644\u0633\u062f \u0627\u0644\u0641\u062c\u0648\u0627\u062a \u0641\u064a \u0627\u0644\u0633\u0648\u0642 \u0648\u062a\u062d\u062f\u064a \u0627\u0644\u0639\u0631\u0648\u0636 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u0642\u062f\u0645\u0647\u0627 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0639\u0631\u064a\u0642\u0629.<\/p>\n<p>\u0648\u062a\u062c\u062f\u0631 \u0627\u0644\u0625\u0634\u0627\u0631\u0629 \u0625\u0644\u0649 \u0623\u0646 \u0627\u0644\u062c\u064a\u0644 &#8220;Z&#8221; \u2013 (\u0648\u0627\u0644\u0630\u064a \u064a\u0634\u0645\u0644 \u0623\u0648\u0644\u0626\u0643 \u0627\u0644\u0630\u064a\u0646 \u0648\u0644\u062f\u0648\u0627 \u0641\u064a \u0627\u0644\u0641\u062a\u0631\u0629 \u0645\u0627 \u0628\u064a\u0646 1990-2005 &#8211; \u0648\u064a\u0635\u0644\u0648\u0627 \u0627\u0644\u0622\u0646 \u0625\u0644\u0649 \u0633\u0646 \u0627\u0644\u0631\u0634\u062f) \u064a\u0633\u0639\u0648\u0646 \u0627\u0644\u0622\u0646 \u0625\u0644\u0649 \u0627\u0644\u0627\u0633\u062a\u0642\u0644\u0627\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0639\u0646 \u0622\u0628\u0627\u0626\u0647\u0645. \u0648\u064a\u062d\u062a\u0627\u062c \u0647\u0624\u0644\u0627\u0621 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u0648\u0646 \u0627\u0644\u0623\u0635\u063a\u0631 \u0633\u0646\u064b\u0627 \u0625\u0644\u0649 \u0645\u0646\u062a\u062c\u0627\u062a <a href=\"https:\/\/www.alj.com\/ar\/news\/abdul-latif-jameel-motors-introduces-complimentary-insurance-on-new-toyota-purchases\/\">\u062a\u0623\u0645\u064a\u0646 \u062a\u0634\u0645\u0644 \u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a<\/a> \u0648\u0627\u0644\u062f\u0631\u0627\u062c\u0627\u062a \u0648\u0627\u0644\u0633\u0641\u0631 \u0648\u0627\u0644\u0645\u0633\u062a\u0623\u062c\u0631\u064a\u0646. \u0648\u0644\u0623\u0646 \u0647\u0624\u0644\u0627\u0621 \u0642\u062f \u0646\u0634\u0623\u0648\u0627 \u0639\u0644\u0649 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0647\u0648\u0627\u062a\u0641 \u0627\u0644\u0630\u0643\u064a\u0629 \u0643\u0645\u0635\u062f\u0631 \u0644\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a\u060c \u0641\u0647\u0645 \u064a\u062a\u0648\u0642\u0639\u0648\u0646 \u0623\u0646 \u064a\u062a\u0645\u0643\u0646\u0648\u0627 \u0645\u0646 \u0627\u0644\u0642\u064a\u0627\u0645 \u0628\u0643\u0644 \u0634\u064a\u0621 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0647\u0648\u0627\u062a\u0641\u0647\u0645 \u0627\u0644\u0645\u062d\u0645\u0648\u0644\u0629. \u0648\u064a\u0639\u0646\u064a \u0630\u0644\u0643 \u0623\u0646 \u0646\u0645\u0627\u0630\u062c \u0627\u0644\u0627\u0634\u062a\u0631\u0627\u0643 PAYG \u0627\u0644\u062a\u064a \u062a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0627\u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0633\u062a\u0644\u0642\u0649 \u0642\u0628\u0648\u0644\u0627\u064b \u0644\u062f\u0649 \u062c\u064a\u0644 \u0627\u0644\u0646\u062a\u0641\u0644\u064a\u0643\u0633 \u0623\u0643\u062b\u0631 \u0645\u0646 \u00a0\u0627\u0644\u0645\u0648\u0627\u0642\u0639 \u0627\u0644\u0627\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u0648\u0645\u062d\u0631\u0643\u0627\u062a \u0627\u0644\u0627\u0642\u062a\u0628\u0627\u0633 \u0627\u0644\u0645\u0643\u0648\u0646\u0629 \u0645\u0646 18 \u0635\u0641\u062d\u0629\u060c \u0648\u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0629 \u0641\u064a \u0645\u0648\u0627\u0642\u0639 \u0645\u0642\u0627\u0631\u0646\u0629 \u0627\u0644\u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0646\u0645\u0648\u0630\u062c\u064a\u0629.<\/p>\n<p>\u0648\u0645\u0646 \u0646\u0627\u062d\u064a\u0629 \u0623\u062e\u0631\u0649\u060c \u0647\u0646\u0627\u0643 \u0639\u062f\u062f \u0643\u0628\u064a\u0631 \u0645\u0646 \u0627\u0644\u0633\u0643\u0627\u0646 \u0627\u0644\u0645\u0633\u0646\u064a\u0646 \u0641\u064a \u062c\u0645\u064a\u0639 \u0623\u0646\u062d\u0627\u0621 \u0623\u0645\u0631\u064a\u0643\u0627 \u0627\u0644\u0634\u0645\u0627\u0644\u064a\u0629 \u0648\u0623\u0648\u0631\u0648\u0628\u0627 \u0648\u0634\u0631\u0642 \u0622\u0633\u064a\u0627\u060c \u0648\u0627\u0644\u0630\u064a\u0646 \u0642\u062f \u064a\u062d\u062a\u0627\u062c\u0648\u0646 \u0625\u0644\u0649 \u062a\u0623\u0645\u064a\u0646 \u0633\u0641\u0631 \u0637\u0628\u064a \u0645\u0633\u0628\u0642\u060c \u0623\u0648 \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0646 \u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0627\u0644\u0633\u0644\u0627\u0645\u0629 \u0648\u0627\u0644\u0631\u0639\u0627\u064a\u0629 \u0627\u0644\u0635\u062d\u064a\u0629\u060c \u0623\u0648 \u0623\u0634\u064a\u0627\u0621 \u0645\u062b\u0644 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u062d\u064a\u0648\u0627\u0646\u0627\u062a \u0627\u0644\u0623\u0644\u064a\u0641\u0629.<\/p>\n<p>\u0648\u0642\u062f \u0623\u0641\u0627\u062f \u0645\u0643\u062a\u0628 \u0627\u062d\u0635\u0627\u0621\u0627\u062a \u0627\u0644\u0627\u062a\u062d\u0627\u062f \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a (\u0627\u0644\u0627\u0648\u0631\u0648\u0633\u062a\u0627\u062a) \u0623\u0646 \u0639\u062f\u062f \u0627\u0644\u0623\u0633\u0631 \u0627\u0644\u062a\u064a \u064a\u0639\u064a\u0634 \u0628\u0647\u0627 \u0641\u0631\u062f \u0648\u0627\u062d\u062f \u0632\u0627\u062f \u0628\u0646\u0633\u0628\u0629 18\u066a \u0628\u064a\u0646 \u0639\u0627\u0645\u064a 2010 \u06482020<a href=\"#_ftn4\" name=\"_ftnref4\">[4]<\/a>. \u0648\u064a\u0639\u064a\u0634 \u0627\u0644\u0623\u0637\u0641\u0627\u0644 \u0641\u064a \u0627\u0644\u0633\u0648\u064a\u062f \u0648\u0623\u0644\u0645\u0627\u0646\u064a\u0627 \u0648\u0641\u0646\u0644\u0646\u062f\u0627 \u0641\u064a 25\u066a \u0641\u0642\u0637 \u0645\u0646 \u0627\u0644\u0639\u062f\u062f \u0627\u0644\u0627\u062c\u0645\u0627\u0644\u064a \u0644\u0644\u0623\u0633\u0631. \u0648\u0647\u0630\u0627 \u064a\u0639\u0646\u064a \u0623\u0646 \u0627\u0644\u0639\u0632\u0627\u0628 \u0623\u0648 \u0627\u0644\u0623\u0632\u0648\u0627\u062c \u0644\u062f\u064a\u0647\u0645 \u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u0627\u0644 \u0644\u0625\u0646\u0641\u0627\u0642\u0647 \u0639\u0644\u0649 \u0627\u0644\u062a\u0631\u0641\u064a\u0647 \u0623\u0648 \u0627\u0644\u0633\u0641\u0631 \u0623\u0648 \u0634\u0631\u0627\u0621 \u0627\u0644\u0623\u062f\u0648\u0627\u062a \u0623\u0648 &#8211; \u0623\u064a\u0636\u0627 &#8211; \u062f\u0641\u0639 \u0623\u0642\u0633\u0627\u0637 \u0627\u0644\u062a\u0623\u0645\u064a\u0646. \u0648\u0645\u0639 \u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0646\u0633\u0628\u0629 \u0627\u0644\u0645\u0626\u0648\u064a\u0629 \u0644\u0644\u0623\u0633\u0631 \u0627\u0644\u0645\u0643\u0648\u0646\u0629 \u0645\u0646 \u0634\u062e\u0635 \u0648\u0627\u062d\u062f\u060c \u062a\u0633\u062a\u0641\u064a\u062f \u0627\u0646\u0634\u0648\u0631\u062a\u0643 \/ \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0645\u0646 \u0646\u0645\u0637 \u0627\u0644\u062d\u064a\u0627\u0629 \u0627\u0644\u0641\u0631\u062f\u064a \u0641\u064a\u0645\u0627 \u062a\u0642\u062f\u0645\u0647 \u0645\u0646 \u0645\u0646\u062a\u062c\u0627\u062a \u0648\u062e\u062f\u0645\u0627\u062a \u0648\u0646\u0645\u0627\u0630\u062c \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u062a\u0633\u062a\u0647\u062f\u0641 \u0647\u0630\u0627 \u0627\u0644\u0633\u0648\u0642 \u0639\u0644\u0649 \u0648\u062c\u0647 \u0627\u0644\u062a\u062d\u062f\u064a\u062f.<\/p>\n<p>\u0648\u064a\u0639\u062f \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0627\u0644\u0645\u062a\u0632\u0627\u064a\u062f \u0639\u0644\u0649 \u0627\u0644\u0647\u0648\u0627\u062a\u0641 \u0627\u0644\u0630\u0643\u064a\u0629 \u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0639\u0627\u0644\u0645\u060c \u0648\u0627\u0646\u062a\u0634\u0627\u0631\u0647\u0627 \u062d\u062a\u0649 \u0641\u064a \u0627\u0644\u062f\u0648\u0644 \u0627\u0644\u0646\u0627\u0645\u064a\u0629\u060c \u0648\u0643\u0630\u0627 \u0627\u0646\u062a\u0634\u0627\u0631 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062c\u064a\u0644 \u0627\u0644\u0631\u0627\u0628\u0639 \u0648\u0627\u0644\u062e\u0627\u0645\u0633 \u0645\u0646 \u0627\u0644\u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u0645\u0647\u0645\u0629 \u0623\u064a\u0636\u064b\u0627 \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0635\u062f\u062f. \u0648\u0642\u062f \u064a\u062a\u0648\u0627\u0641\u0631 \u0644\u062f\u064a\u0643 \u0645\u0646\u062a\u062c \u0630\u0643\u064a \u0645\u0646 \u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0646\u0634\u0648\u0631\u062a\u0643 \/ \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u060c \u0644\u0643\u0646\u0643 \u0628\u062d\u0627\u062c\u0629 \u0625\u0644\u0649 \u0633\u0648\u0642 \u0634\u0627\u0645\u0644\u0629. \u0648\u0628\u064a\u0646\u0645\u0627 \u062a\u0646\u062a\u0634\u0631 \u0627\u0644\u0647\u0648\u0627\u062a\u0641 \u0627\u0644\u0630\u0643\u064a\u0629 \u0648\u0634\u0628\u0643\u0627\u062a \u0627\u0644\u062c\u064a\u0644 \u0627\u0644\u062e\u0627\u0645\u0633 \u0641\u064a \u0643\u0644 \u0645\u0643\u0627\u0646 \u064a\u062a\u063a\u064a\u0631 \u0627\u0644\u062d\u0627\u0644\u060c \u0625\u0630 \u062a\u0642\u062f\u0645 \u0627\u0646\u0634\u0648\u0631\u062a\u0643 \/ \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062e\u062f\u0645\u0627\u062a \u0648\u0645\u0646\u062a\u062c\u0627\u062a \u062a\u0634\u0645\u0644 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0645\u062d\u0627\u0635\u064a\u0644 \u0623\u0648 \u0627\u0644\u062f\u0631\u0627\u062c\u0627\u062a \u0627\u0644\u0646\u0627\u0631\u064a\u0629 \u0639\u0628\u0631 \u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u0635\u063a\u0631 (\u0627\u0644\u062f\u0641\u0639\u0627\u062a \u0645\u062a\u0646\u0627\u0647\u064a\u0629 \u0627\u0644\u0635\u063a\u0631) \u0648\u0645\u0646 \u062e\u0644\u0627\u0644 \u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0647\u0648\u0627\u062a\u0641 \u0627\u0644\u0630\u0643\u064a\u0629.<\/p>\n<p>\u0641\u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644\u060c \u0643\u0627\u0646 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0645\u062d\u0627\u0635\u064a\u0644 \u0641\u064a \u0627\u0644\u0647\u0646\u062f \u064a\u064f\u0628\u0627\u0639 \u0641\u064a\u0645\u0627 \u0645\u0636\u0649 \u0639\u0646 \u0637\u0631\u064a\u0642 \u0627\u0644\u0648\u0643\u0644\u0627\u0621 \u0627\u0644\u0645\u062d\u0644\u064a\u064a\u0646\u060c \u0648\u064a\u062a\u0645 \u0634\u0631\u0627\u0624\u0647 \u0628\u062f\u0641\u0639\u0629 \u0648\u0627\u062d\u062f\u0629. \u0623\u0645\u0627 \u0627\u0644\u0622\u0646 \u0641\u064a\u0645\u0643\u0646 \u0644\u0635\u063a\u0627\u0631 \u0627\u0644\u0645\u0632\u0627\u0631\u0639\u064a\u0646 \u0641\u064a \u062c\u0645\u064a\u0639 \u0623\u0646\u062d\u0627\u0621 \u0627\u0644\u0645\u0646\u0627\u0637\u0642 \u0627\u0644\u0631\u064a\u0641\u064a\u0629 \u0641\u064a \u0627\u0644\u0647\u0646\u062f \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0639\u0631\u0636 \u0623\u0633\u0639\u0627\u0631 \u0639\u0644\u0649 \u0647\u0648\u0627\u062a\u0641\u0647\u0645 \u0627\u0644\u0630\u0643\u064a\u0629\u060c \u0648\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0645\u062d\u0635\u0648\u0644 \u0641\u064a \u062b\u0648\u0627\u0646\u064d \u0648\u0627\u0644\u062f\u0641\u0639 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u062a\u0646\u0648\u0639\u0629 \u0645\u0646 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \/ \u0627\u0644\u062e\u0635\u0645. \u0648\u0644\u0639\u0644 \u0647\u0630\u0627 \u0645\u062c\u0631\u062f \u062a\u0643\u064a\u0641 \u0623\u0648 \u062a\u0639\u062f\u064a\u0644 \u0644\u0646\u0638\u0627\u0645 \u0642\u0627\u0626\u0645 \u062a\u0642\u0648\u0645 \u0641\u064a\u0647 \u0627\u0646\u0634\u0648\u0631\u0643 \/ \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u062a\u0628\u0633\u064a\u0637 \u0648\u062a\u064a\u0633\u064a\u0631 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0625\u062f\u0627\u0631\u0629. \u0648\u062a\u0634\u064a\u0631 \u062f\u0631\u0627\u0633\u0629 \u0627\u0643\u0633\u0646\u062a\u0634\u0631<a href=\"#_ftn5\" name=\"_ftnref5\">[5]<\/a> \u0627\u0644\u062a\u064a \u0646\u064f\u0634\u0631\u062a \u0641\u064a \u0623\u0648\u0627\u0626\u0644 \u0639\u0627\u0645 2020 \u0625\u0644\u0649 \u0623\u0646 \u0627\u0644\u0647\u0646\u062f \u0642\u062f \u062d\u0635\u0644\u062a \u0639\u0644\u0649 \u062b\u0627\u0644\u062b \u0623\u0643\u0628\u0631 \u0642\u062f\u0631 \u0645\u0646 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629.<\/p>\n<h2>\u0627\u0644\u0645\u0631\u0627\u0643\u0632 \u0627\u0644\u0625\u0642\u0644\u064a\u0645\u064a\u0629 &#8230; \u0648\u062f\u0639\u0645 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644<\/h2>\n<p>\u0644\u0642\u062f \u062f\u0639\u0645\u062a \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0648\u0643\u0627\u0644\u0627\u062a \u0627\u0644\u062d\u0643\u0648\u0645\u064a\u0629 \u0648\u0627\u0644\u0628\u0646\u0648\u0643 \u0648\u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u0643\u0631\u0629 \u0648\u062c\u0648\u062f \u0645\u0631\u0627\u0643\u0632 \u0625\u0642\u0644\u064a\u0645\u064a\u0629 \u0644\u0627\u0646\u0634\u0648\u0631\u062a\u0643 \/ \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0644\u063a\u0631\u0636 \u062f\u0639\u0645 \u0647\u0630\u0627 \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0632\u062f\u0647\u0631. \u0648\u0641\u064a \u0644\u0646\u062f\u0646\u060c \u062a\u0639\u0645\u0644 \u0627\u0646\u0634\u0648\u0631\u062a\u0643 \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u0628\u0645\u062b\u0627\u0628\u0629 \u0645\u0635\u0646\u0639 \u0644\u0644\u0623\u0641\u0643\u0627\u0631 \u0648\u0642\u0646\u0627\u0629 \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u0648\u0627\u0644\u0634\u0631\u0627\u0643\u0627\u062a. \u0648\u064a\u0645\u0643\u0646 \u0645\u0644\u0627\u062d\u0638\u0629 \u0627\u0644\u0645\u0646\u0647\u062c \u0646\u0641\u0633\u0647 \u0641\u064a \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u062f\u0646 \u062d\u0648\u0644 \u0627\u0644\u0639\u0627\u0644\u0645 \u0648\u064a\u0634\u0645\u0644 \u0630\u0644\u0643 \u0645\u062f\u0631\u064a\u062f \u0648\u0628\u0631\u0644\u064a\u0646 \u0648\u062f\u0628\u064a \u0648\u0633\u0627\u0646\u062a\u064a\u0627\u062c\u0648 \u0648\u0627\u0633\u0637\u0646\u0628\u0648\u0644 \u0648\u063a\u064a\u0631\u0647\u0627 \u0627\u0644\u0643\u062b\u064a\u0631\u060c \u0625\u0630 \u064a\u062d\u0627\u0648\u0644 \u0627\u0644\u0645\u0628\u062a\u0643\u0631\u0648\u0646 \u0627\u0644\u0630\u064a\u0646 \u064a\u0645\u062a\u0644\u0643\u0648\u0646 \u0637\u0631\u0627\u0626\u0642 \u0627\u0644\u062a\u0641\u0643\u064a\u0631 \u0627\u0644\u0645\u062a\u0634\u0627\u0628\u0647\u0629 \u0625\u062d\u062f\u0627\u062b \u0628\u0644\u0628\u0644\u0629\/ \u0627\u0636\u0637\u0631\u0627\u0628 \u0641\u064a \u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u062d\u0644\u064a\u0629\u060c \u0644\u063a\u0631\u0636 \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629 \u0644\u0645\u0646\u062a\u062c\u0627\u062a\u0647\u0645 \u0641\u064a \u0646\u0647\u0627\u064a\u0629 \u0627\u0644\u0645\u0637\u0627\u0641. \u0648\u064a\u062d\u062f\u062b \u0630\u0644\u0643 \u063a\u0627\u0644\u0628\u0627 \u0639\u0646 \u0637\u0631\u064a\u0642 \u0627\u0644\u062f\u062e\u0648\u0644 \u0641\u064a \u0634\u0631\u0627\u0643\u0627\u062a \u0645\u0639 \u0623\u0643\u0628\u0631 \u0645\u0648\u0632\u0639\u064a \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646.<\/p>\n<p>\u0648\u062a\u0642\u062f\u0645 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u0631\u0627\u0643\u0632 \u0627\u0644\u0625\u0642\u0644\u064a\u0645\u064a\u0629 \u0623\u064a\u0636\u064b\u0627 \u0627\u0644\u062c\u0648\u0627\u0626\u0632 \u0648\u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a \u0648\u0627\u0644\u0645\u0646\u062d \u0639\u0628\u0631 \u0645\u0633\u0627\u0628\u0642\u0627\u062a \u0633\u0646\u0648\u064a\u0629. \u0648\u0644\u0639\u0644 &#8220;\u0633\u064a\u062f\u0633\u062a\u0627\u0631\u0632 \u0648\u0648\u0631\u0644\u062f&#8221; \u0641\u064a \u0633\u0648\u064a\u0633\u0631\u0627\u060c \u0648\u062d\u0627\u0636\u0646\u0629 &#8220;\u0644\u0648\u064a\u062f\u0632 \u0644\u0627\u0628&#8221; \u0641\u064a \u0646\u0644\u062f\u0646\u060c \u0648&#8221;\u0646\u0627\u0645\u064a\u0643 \u0641\u0627\u0633\u062a\u0628\u064a\u062a\u0634 \u0641\u064a \u0627\u0644\u0648\u0644\u0627\u064a\u0627\u062a \u0627\u0644\u0645\u062a\u062d\u062f\u0629\u060c \u0645\u0627 \u0647\u064a \u0625\u0644\u0627 \u062b\u0644\u0627\u062b\u0629 \u0623\u0645\u062b\u0644\u0629 \u0639\u0644\u0649 \u0627\u0644\u0646\u0647\u062c \u0627\u0644\u0625\u0642\u0644\u064a\u0645\u064a \u0644\u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0627\u0644\u0645\u0628\u062a\u0643\u0631\u0629 \u0648\u0645\u0633\u0627\u0639\u062f\u062a\u0647\u0627 \u0641\u064a \u062e\u0644\u0642 \u0634\u0628\u0643\u0627\u062a \u0627\u062a\u0635\u0627\u0644\u0627\u062a \u0645\u0641\u064a\u062f\u0629.<\/p>\n<p>\u0648\u0645\u0646 \u062d\u064a\u062b \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644\u060c \u064a\u0648\u0641\u0631 \u0627\u062a\u062c\u0627\u0647 \u0627\u0644\u0645\u0631\u0643\u0632 \u0627\u0644\u0625\u0642\u0644\u064a\u0645\u064a \u0623\u064a\u0636\u064b\u0627 \u0644\u0645\u0633\u0626\u0648\u0644\u064a \u0627\u0644\u062a\u0646\u0638\u064a\u0645 \u0641\u0631\u0635\u0629 \u0644\u0648\u0636\u0639 \u0627\u0644\u0645\u0639\u0627\u064a\u064a\u0631\u060c \u0648\u0641\u0631\u0635\u0629 \u0623\u062e\u0631\u0649 \u0644\u0644\u0645\u0628\u062f\u0639\u064a\u0646 \u0644\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u062a\u0644\u0642\u0627\u0626\u064a \u0648\u0627\u0644\u0641\u0639\u0627\u0644 \u0644\u062a\u0644\u0643 \u0627\u0644\u0645\u0639\u0627\u064a\u064a\u0631 \u0639\u0646\u062f \u0637\u0631\u062d \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a.<\/p>\n<p>\u0648\u062a\u0648\u0641\u0631 \u062e\u062f\u0645\u0629 \u0632\u064a\u062c\u0648 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0641\u064a \u0623\u0648\u0631\u0648\u0628\u0627 \u062e\u062f\u0645\u0629 \u0627\u0644\u062a\u063a\u0637\u064a\u0629 \u0645\u0642\u0627\u0628\u0644 \u0627\u0644\u062f\u0641\u0639 \u0639\u0646\u062f \u0648\u0642\u0648\u0639 \u0627\u0644\u062d\u062f\u062b \u0644\u0639\u0627\u0645\u0644\u064a \u0627\u0644\u062a\u0648\u0635\u064a\u0644. \u0648\u062a\u0637\u0628\u0642 \u062a\u0644\u0643 \u0627\u0644\u062e\u062f\u0645\u0629 \u062a\u0644\u0642\u0627\u0626\u064a\u064b\u0627 \u0642\u0648\u0627\u0639\u062f \u0627\u0644\u0633\u0648\u0642 \u0627\u0644\u0645\u062d\u0644\u064a\u0629 \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0633\u0639\u0629 \u0627\u0644\u0645\u062d\u0631\u0643 \u0648\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u062a\u0631\u062e\u064a\u0635 \u0648\u063a\u064a\u0631\u0647\u0627. \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0630\u0644\u0643\u060c \u0641\u0625\u0646\u0647\u0627 \u062a\u0634\u062a\u0645\u0644 \u0639\u0644\u0649 \u0645\u064a\u0632\u0629 \u0627\u0644\u062a\u0631\u062c\u0645\u0629 \u0627\u0644\u062a\u0644\u0642\u0627\u0626\u064a\u0629 \u0644\u0645\u0641\u0631\u062f\u0627\u062a \u0627\u0644\u0648\u062b\u064a\u0642\u0629. \u00a0\u0648\u064a\u0639\u062f \u0647\u0630\u0627 \u0623\u0645\u0631\u064b\u0627 \u0645\u0647\u0645\u064b\u0627 \u0639\u0646\u062f\u0645\u0627 \u062a\u0642\u062f\u0645 \u062a\u063a\u0637\u064a\u0629 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0627\u0644\u062f\u0641\u0639 \u0639\u0646\u062f \u0643\u0644 \u062d\u062f\u062b \u0644\u0644\u0639\u0627\u0645\u0644\u064a\u0646 \u0645\u0639 \u0623\u0648\u0628\u0631 \u0625\u064a\u062a\u0633 \u0623\u0648 \u062f\u0644\u064a\u0641\u0631\u0648\u0648 \u0627\u0644\u0630\u064a\u0646 \u0642\u062f \u0644\u0627 \u062a\u0643\u0648\u0646 \u0644\u063a\u062a\u0647\u0645 \u0627\u0644\u0623\u0648\u0644\u0649 \u0627\u0644\u0625\u0646\u062c\u0644\u064a\u0632\u064a\u0629.<\/p>\n<p>\u0648\u0641\u064a \u0623\u0648\u0631\u0648\u0628\u0627\u060c \u0647\u0646\u0627\u0643 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u062d\u0627\u0636\u0646\u0627\u062a \u0648\u0627\u0644\u0645\u0646\u062d \u0627\u0644\u062a\u0627\u0628\u0639\u0629 \u0644\u0644\u0627\u062a\u062d\u0627\u062f \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a \u0648\u0643\u0630\u0627 \u0627\u0644\u062d\u0627\u0636\u0646\u0627\u062a \u0648\u0627\u0644\u0645\u0646\u062d \u0627\u0644\u062d\u0643\u0648\u0645\u064a\u0629 \u0627\u0644\u0641\u0631\u062f\u064a\u0629 \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u0644\u0627\u0646\u0634\u0648\u0631\u062a\u0643 \/ \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646. \u0648\u0647\u0649 \u0644\u0627 \u062a\u0642\u062f\u0645 \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0647\u0645\u0629 \u0645\u0646 \u062c\u0647\u0627\u062a \u0627\u0644\u0627\u062a\u0635\u0627\u0644 \u0648\u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0648\u062d\u0633\u0628\u060c \u0628\u0644 \u064a\u0645\u0643\u0646 \u0623\u064a\u0636\u064b\u0627 \u0644\u0647\u0630\u0647 \u0627\u0644\u062c\u0647\u0627\u062a \u0623\u0646 \u062a\u0641\u062a\u062d \u0627\u0644\u0645\u062c\u0627\u0644 \u0644\u0636\u062e \u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u062a\u0645\u0648\u064a\u0644. \u0648\u062a\u0643\u0645\u0646 \u0627\u0644\u0645\u064a\u0632\u0629 \u0627\u0644\u062d\u0642\u064a\u0642\u064a\u0629 \u0627\u0644\u0645\u0643\u062a\u0633\u0628\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0627\u0646\u0636\u0645\u0627\u0645 \u0625\u0644\u0649 \u062a\u0644\u0643 \u0627\u0644\u062c\u0645\u0639\u064a\u0627\u062a\u060c \u0623\u0648 \u0627\u0644\u062f\u062e\u0648\u0644 \u0641\u064a \u0627\u0644\u0645\u0633\u0627\u0628\u0642\u0627\u062a \u0627\u0644\u0645\u062f\u0639\u0648\u0645\u0629 \u0645\u0646 \u0627\u0644\u062d\u0643\u0648\u0645\u0629\u060c \u0641\u064a \u062a\u0645\u0643\u064a\u0646 \u0627\u0644\u0642\u0627\u0626\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0646\u0634\u0648\u0631\u062a\u0643 \/ \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0645\u0646 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0627\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u0646\u0627\u0633\u0628\u0629 \u0645\u0646\u0630 \u0628\u062f\u0627\u064a\u0629 \u0627\u0644\u0631\u062d\u0644\u0629.<\/p>\n<p>\u0648\u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0625\u0637\u0627\u0631\u060c \u062b\u0645\u0629 \u0646\u0642\u0637\u0629 \u0627\u064a\u062c\u0627\u0628\u064a\u0629 \u0623\u062e\u0631\u0649 \u062a\u0631\u062a\u0628\u0637 \u0628\u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0627\u0646\u0634\u0648\u0631\u062a\u0643\/ \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u064a \u0627\u0644\u0627\u062a\u062d\u0627\u062f \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a \u0648\u0625\u0633\u0631\u0627\u0626\u064a\u0644 \u0648\u0627\u0644\u0647\u0646\u062f \u0648\u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u0623\u062e\u0631\u0649\u060c \u0648\u0647\u064a \u0645\u0633\u0623\u0644\u0629 \u062a\u062a\u0639\u0644\u0642 \u0628\u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0623\u0648 \u0627\u0644\u0645\u0644\u0627\u0621\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629. \u0641\u0628\u064a\u0646\u0645\u0627 \u064a\u062c\u0628 \u0623\u0646 \u062a\u0641\u064a \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u0639\u0627\u064a\u064a\u0631 \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0637\u064a\u0627\u062a \u0627\u0644\u0646\u0642\u062f\u064a\u0629\u060c \u0641\u064a \u062d\u0627\u0644\u0629 \u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0627\u0644\u0643\u0648\u0627\u0631\u062b\u060c \u0644\u0627 \u064a\u0646\u0637\u0628\u0642 \u062d\u062c\u0645 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0646\u0641\u0633\u0647 \u0628\u0634\u0643\u0644 \u0639\u0627\u0645 \u0639\u0644\u0649 \u0627\u0646\u0634\u0648\u0631\u062a\u0643 \/ \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646. \u0648\u064a\u0643\u0645\u0646 \u0627\u0644\u0647\u062f\u0641 \u0645\u0646 \u0630\u0644\u0643 \u0641\u064a \u0627\u0644\u0633\u0645\u0627\u062d \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0628\u0627\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0627\u0644\u0642\u0635\u0648\u0649 \u0645\u0646 \u0642\u0646\u0648\u0627\u062a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u0644\u062f\u064a\u0647\u0627\u060c \u062d\u062a\u0649 \u0648\u0625\u0646 \u0643\u0627\u0646\u062a \u062a\u0639\u0645\u0644 \u0641\u064a \u0627\u0644\u0633\u0648\u0642 \u0634\u062f\u064a\u062f\u0629 \u0627\u0644\u062a\u0646\u0638\u064a\u0645 \u0646\u0641\u0633\u0647\u0627 \u0645\u062b\u0644 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0643\u0628\u0631.<\/p>\n<h2>\u0627\u0644\u062a\u0648\u0632\u064a\u0639 \u0647\u0648 \u0627\u0644\u062d\u0644<\/h2>\n<p>\u0644\u0639\u0644\u0647 \u0645\u0646 \u0627\u0644\u0645\u062b\u064a\u0631 \u0631\u0624\u064a\u0629 \u0627\u0644\u0642\u0627\u0626\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0646\u0634\u0648\u0631\u062a\u0643\/ \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0630\u064a\u0646 \u064a\u0633\u0639\u0648\u0646 \u0625\u0644\u0649 \u0625\u062d\u062f\u0627\u062b \u0628\u0644\u0628\u0644\u0629\/ \u0627\u0636\u0637\u0631\u0627\u0628 \u0641\u064a \u0627\u0644\u0627\u0633\u0648\u0627\u0642 \u064a\u0623\u062a\u0648\u0646 \u0628\u0623\u0641\u0643\u0627\u0631 \u0648\u0645\u0646\u062a\u062c\u0627\u062a \u062c\u062f\u064a\u062f\u0629 \u0648\u0645\u0628\u062a\u0643\u0631\u0629. \u0648\u0627\u0644\u0623\u0645\u0631 \u0644\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u062a\u062d\u062f\u064a \u0627\u0644\u0648\u0636\u0639 \u0627\u0644\u0631\u0627\u0647\u0646 \u0641\u0642\u0637. \u0641\u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u062a\u062a\u062e\u0630 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0643\u0628\u0631\u0649 \u0646\u0647\u062c\u064b\u0627 \u062b\u0646\u0627\u0626\u064a \u0627\u0644\u0645\u0633\u0627\u0631 \u064a\u062a\u0645\u062b\u0644 \u0641\u064a \u0625\u0646\u0634\u0627\u0621 \u0645\u0631\u0627\u0643\u0632 \u0644\u0644\u0625\u0628\u062f\u0627\u0639 \u0623\u0648 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0648\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0641\u064a \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627\u062a \u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u062c\u062f\u064a\u062f\u0629. \u0648\u064a\u0634\u0643\u0644 \u0634\u0631\u0627\u0621 \u0627\u0644\u0645\u0639\u0631\u0641\u0629 \u0627\u0644\u0623\u0633\u0627\u0633 \u0627\u0644\u0623\u0648\u0644 \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0625\u0637\u0627\u0631 &#8211; \u062b\u0645 \u064a\u0639\u062a\u0645\u062f \u0645\u0627 \u064a\u062a\u0628\u0639 \u0630\u0644\u0643 \u0645\u0646 \u062e\u0637\u0648\u0627\u062a \u0639\u0644\u0649 \u0634\u0628\u0643\u0629 \u0627\u0644\u062a\u0648\u0632\u064a\u0639 \u0627\u0644\u062a\u064a \u064a\u0645\u062a\u0644\u0643\u0648\u0646\u0647\u0627 \u062d\u0648\u0644 \u0627\u0644\u0639\u0627\u0644\u0645 \u0648\u0643\u0630\u0627 \u0639\u0644\u0649 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0627\u0644\u062a\u064a \u064a\u0639\u0645\u0644\u0648\u0646 \u0645\u0646 \u062e\u0644\u0627\u0644\u0647\u0627.<\/p>\n<p>\u0641\u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644\u060c \u0627\u0641\u062a\u062a\u062d\u062a \u0634\u0631\u0643\u0629 \u0632\u064a\u0648\u0631\u062e \u0627\u0644\u0639\u0645\u0644\u0627\u0642\u0629 \u0644\u0644\u062a\u0623\u0645\u064a\u0646\u060c \u0645\u0631\u0643\u0632 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0627\u0644\u062e\u0627\u0635 \u0628\u0647\u0627 \u0641\u064a \u0639\u0627\u0645 2018\u060c \u0625\u0644\u0649 \u062c\u0627\u0646\u0628 \u0645\u0631\u0643\u0632 \u0627\u0644\u0623\u0641\u0643\u0627\u0631 \u0648\u0645\u0646\u0638\u0648\u0645\u0629 \u0645\u0643\u0627\u0641\u0623\u0629 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646. \u0648\u0641\u064a \u063a\u0636\u0648\u0646 \u0639\u0627\u0645\u064a\u0646\u060c \u0643\u0627\u0646 \u0644\u062f\u064a\u0647\u0627 \u0623\u0643\u062b\u0631 \u0645\u0646 700 \u0641\u0643\u0631\u0629 \u0645\u0646\u062a\u062c \u0644\u0645\u0631\u0627\u062c\u0639\u062a\u0647\u0627<a href=\"#_ftn6\" name=\"_ftnref6\">[6]<\/a>. \u0648\u0628\u0627\u0644\u0637\u0628\u0639 \u0643\u0627\u0646 \u0648\u062c\u0648\u062f \u0645\u062b\u0644 \u0647\u0630\u0627 \u0627\u0644\u0643\u0645 \u0627\u0644\u0647\u0627\u0626\u0644 \u0645\u0646 \u0627\u0644\u0623\u0641\u0643\u0627\u0631 \u0627\u0644\u0625\u0628\u062f\u0627\u0639\u064a\u0629 \u0627\u0644\u062a\u064a \u064a\u062c\u0628 \u062f\u0631\u0627\u0633\u062a\u0647\u0627 \u0623\u0645\u0631\u064b\u0627 \u062a\u0635\u0639\u0628 \u0628\u0644 \u062a\u0633\u062a\u062d\u064a\u0644 \u0625\u062f\u0627\u0631\u062a\u0647\u060c \u062d\u062a\u0649 \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0639\u0645\u0644\u0627\u0642\u0629.<\/p>\n<p>\u0648\u0641\u064a \u0627\u0644\u0633\u0646\u0648\u0627\u062a \u0627\u0644\u0642\u0644\u064a\u0644\u0629 \u0627\u0644\u0645\u0627\u0636\u064a\u0629\u060c \u0628\u0631\u0632\u062a \u0627\u0644\u0634\u0631\u0627\u0643\u0627\u062a \u0628\u064a\u0646 \u0627\u0644\u0642\u0627\u0626\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0646\u0634\u0648\u0631\u062a\u0643\/ \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0627\u0644\u0644\u0627\u0639\u0628\u064a\u0646 \u0627\u0644\u0623\u0643\u0628\u0631\/ \u0627\u0644\u0639\u0646\u0627\u0635\u0631 \u0627\u0644\u0623\u0628\u0631\u0632 \u0641\u064a \u0627\u0644\u0642\u0637\u0627\u0639 \u0643\u0627\u062a\u062c\u0627\u0647 \u0639\u0627\u0644\u0645\u064a. \u0648\u0628\u0639\u0628\u0627\u0631\u0629 \u0623\u062e\u0631\u0649: \u0642\u062f \u064a\u0628\u062f\u0648 \u0627\u0644\u0623\u0645\u0631 \u0648\u0643\u0623\u0646\u0647 \u0627\u0646\u062a\u0635\u0627\u0631\u064b\u0627\u060c \u0648\u0644\u0643\u0646 \u0647\u0644 \u0633\u064a\u0642\u0628\u0644 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0639\u0644\u0649 \u0634\u0631\u0627\u0621 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0628\u0627\u0644\u0641\u0639\u0644\u061f<\/p>\n<p>\u0648 \u0641\u064a \u0645\u0627\u064a\u0648 2020\u060c \u062f\u062e\u0644\u062a \u0623\u0643\u0633\u0627 \u00a0AXA\u0641\u064a \u0634\u0631\u0627\u0643\u0629 \u0645\u0639 \u062f\u064a\u0645\u0648\u0643\u0631\u0646\u0633 \u00a0Democrance \u0627\u0644\u062a\u064a \u064a\u0642\u0639 \u0645\u0642\u0631\u0647\u0627 \u0641\u064a \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629<a href=\"#_ftn7\" name=\"_ftnref7\">[7]<\/a>\u060c \u0644\u062a\u062e\u062a\u0628\u0631 \u0645\u0646\u062a\u062c \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0631\u0642\u0645\u064a \u0627\u0644\u062e\u0627\u0635 \u0628\u0647\u0627 \u0623\u0648\u0644\u0627\u064b \u0641\u064a \u062a\u0627\u064a\u0644\u0627\u0646\u062f \u060c \u0642\u0628\u0644 \u0637\u0631\u062d\u0647 \u0641\u064a \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u0646\u0627\u0645\u064a\u0629 \u0627\u0644\u0623\u062e\u0631\u0649. \u0648\u0641\u064a \u0628\u0648\u0644\u0646\u062f\u0627\u060c \u0639\u0642\u062f\u062a \u0634\u0631\u0643\u0629 PZU \u060c \u0648\u0647\u064a \u0623\u0643\u0628\u0631 \u0634\u0631\u0643\u0629 \u062a\u0623\u0645\u064a\u0646 \u0645\u062d\u0644\u064a\u0629\u060c \u0645\u0624\u062e\u0631\u064b\u0627 \u0634\u0631\u0627\u0643\u0629 \u0645\u0639 Tractable AI <a href=\"#_ftn8\" name=\"_ftnref8\">[8]<\/a>\u0644\u063a\u0631\u0636 \u062a\u064a\u0633\u064a\u0631 \u0648\u062a\u0628\u0633\u064a\u0637 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0627\u0644\u0645\u0631\u0643\u0628\u0627\u062a\u060c \u0648\u0630\u0644\u0643 \u0642\u0628\u0644 \u062a\u0637\u0628\u064a\u0642 \u062a\u0642\u0646\u064a\u0629 \u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0625\u0635\u0644\u0627\u062d \u0627\u0644\u0647\u064a\u0627\u0643\u0644 \u0627\u0644\u0622\u0644\u064a\u0629 \u0641\u064a \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u0623\u062e\u0631\u0649. \u0648\u064a\u0639\u062f \u0627\u0644\u0627\u062e\u062a\u0628\u0627\u0631 \u0627\u0644\u0645\u0639\u064a\u0627\u0631\u064a \u0627\u0644\u0645\u0633\u062a\u0645\u0631 \u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0646\u0634\u0648\u0631\u062a\u0643\/ \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062c\u0632\u0621\u064b\u0627 \u062c\u062f \u0645\u0647\u0645 \u0645\u0646 \u0627\u0644\u0639\u0645\u0644\u064a\u0629. \u0648\u0628\u064a\u0646\u0645\u0627 \u062a\u0642\u0648\u0645 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u062c\u0645\u0639 \u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0627\u062a\u060c \u064a\u0645\u0643\u0646 \u0644\u0647\u0627 \u0623\u0646 \u062a\u0648\u0627\u062c\u0647 \u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u0634\u0643\u0644\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u062d\u0644\u0648\u0644.<\/p>\n<p>\u0648\u0627\u0644\u0639\u0627\u0645\u0644 \u0627\u0644\u0622\u062e\u0631 \u0627\u0644\u0645\u0647\u0645 \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0633\u064a\u0627\u0642 \u0647\u0648 \u0631\u062d\u0644\u0629 \u0627\u0644\u0645\u0646\u062a\u062c \u0625\u0644\u0649 \u0627\u0644\u0633\u0648\u0642 \u0639\u0628\u0631 \u0642\u0646\u0648\u0627\u062a \u0627\u0644\u062a\u0648\u0632\u064a\u0639. \u0641\u062b\u0645\u0629 \u0627\u062e\u062a\u0644\u0627\u0641\u0627\u062a \u0647\u0627\u0626\u0644\u0629 \u0641\u064a \u0627\u0644\u0633\u0648\u0642 \u064a\u062c\u0628 \u0623\u0646 \u062a\u0624\u062e\u0630 \u0628\u0639\u064a\u0646 \u0627\u0644\u0627\u0639\u062a\u0628\u0627\u0631. \u0648\u0642\u062f \u064a\u0631\u0649 \u0627\u0644\u0642\u0627\u0626\u0645\u0648\u0646 \u0639\u0644\u0649 \u0627\u0646\u0634\u0648\u0631\u062a\u0643\/ \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0623\u0646\u0647 \u0642\u062f \u064a\u0643\u0648\u0646 \u0645\u0646 \u0627\u0644\u0623\u0641\u0636\u0644 \u062a\u0637\u0648\u064a\u0631 \u0641\u0643\u0631\u0629 \u0646\u0627\u0634\u0626\u0629 \u062a\u062d\u062a \u062c\u0646\u0627\u062d \u0634\u0631\u0643\u0629 \u062a\u0623\u0645\u064a\u0646 \u0630\u0627\u062a \u0627\u0633\u0645 \u0643\u0628\u064a\u0631 \u0648\u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u0642\u0646\u0648\u0627\u062a \u0627\u0644\u0628\u064a\u0639 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0647\u0627. \u0648\u062a\u0634\u0645\u0644 \u0627\u0644\u0623\u0645\u062b\u0644\u0629 \u0639\u0644\u0649 \u0630\u0644\u0643 \u0628\u0631\u0646\u0627\u0645\u062c Insure-Space \u0627\u0644\u0630\u064a \u062a\u0642\u062f\u0645\u0647 \u0634\u0631\u0643\u0629 Mapfre \u0645\u0628\u0641\u0631\u064a\u060c \u0648\u0627\u0644\u0630\u064a \u064a\u0642\u062f\u0645 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0641\u0636\u0644\u0627\u064b \u0639\u0646 \u0633\u062a\u0629 \u0623\u0634\u0647\u0631 \u0645\u0646 \u0627\u0644\u0628\u062d\u062b \u0648\u0627\u0644\u062a\u0637\u0648\u064a\u0631 \u0645\u062e\u0635\u0635\u0629 \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629. \u0648\u0628\u0627\u0644\u0645\u062b\u0644\u060c \u0623\u0646\u0634\u0623\u062a &#8220;\u0644\u0648\u064a\u062f\u0632 \u0644\u0627\u0628&#8221; \u0641\u064a \u0644\u0646\u062f\u0646 \u0648 \u0645\u064a\u062a\u0644\u0627\u064a\u0641 \u00a0MetLife\u0641\u064a \u0627\u0644\u0648\u0644\u0627\u064a\u0627\u062a \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u0629 \u0645\u0646\u0638\u0648\u0645\u0629 \u0645\u0628\u062a\u0643\u0631\u0629 \u0639\u0627\u0644\u0645\u064a\u0629<a href=\"#_ftn9\" name=\"_ftnref9\">[9]<\/a>\u060c \u0628\u062a\u0645\u0648\u064a\u0644 \u0628\u0644\u063a\u062a \u0642\u064a\u0645\u062a\u0647 100,000 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u0645\u062a\u0627\u062d \u0644\u0642\u0637\u0627\u0639 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u064a \u0623\u0648\u0631\u0648\u0628\u0627 \u0648\u0627\u0644\u0634\u0631\u0642 \u0627\u0644\u0623\u0648\u0633\u0637 \u0648\u0623\u0641\u0631\u064a\u0642\u064a\u0627 \u0648\u0623\u0645\u0631\u064a\u0643\u0627 \u0627\u0644\u0634\u0645\u0627\u0644\u064a\u0629.<\/p>\n<h2>\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644<\/h2>\n<p>\u0628\u064a\u0646\u0645\u0627 \u062a\u0648\u0627\u0635\u0644 \u0627\u0646\u0634\u0648\u0631\u062a\u0643 \/ \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062a\u0642\u062f\u0645 \u0648\u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0641\u064a \u0645\u062c\u0627\u0644\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062c\u062f\u064a\u062f\u0629\u060c \u0645\u0646 \u0627\u0644\u0645\u0646\u062a\u0638\u0631 \u0623\u0646 \u062a\u0646\u0637\u0644\u0642 \u0641\u0631\u0635 \u0647\u0627\u0626\u0644\u0629 \u0645\u0646 \u00a0\u0642\u0637\u0627\u0639\u0627\u062a \u0645\u0639\u064a\u0646\u0629 \u0641\u064a \u0627\u0644\u0633\u0648\u0642. \u0641\u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644\u060c \u0641\u064a \u0639\u0627\u0644\u0645 \u0645\u0627 \u0628\u0639\u062f \u0627\u0644\u062c\u0627\u0626\u062d\u0629\u060c \u0645\u0646 \u0627\u0644\u0645\u0631\u062c\u062d \u0623\u0646 \u064a\u0634\u0647\u062f \u0645\u062c\u0627\u0644 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0635\u062d\u064a \u062a\u063a\u064a\u064a\u0631\u0627\u062a \u0639\u062f\u0629. \u0648\u0644\u0646 \u064a\u0642\u062a\u0635\u0631 \u0627\u0644\u0623\u0645\u0631 \u0639\u0644\u0649 \u0627\u0644\u0648\u062b\u0627\u0626\u0642 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u0644\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u062d\u064a\u0627\u0629\u060c \u0648\u0627\u0644\u062a\u064a \u0633\u062a\u062d\u0638\u0649 \u0628\u0627\u0644\u0637\u0628\u0639 \u0628\u062f\u0639\u0645 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0636\u062e\u0645\u0629 \u0648\u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0648\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0642\u0627\u0628\u0644\u0629 \u0644\u0644\u0627\u0631\u062a\u062f\u0627\u0621 \u0648\u063a\u064a\u0631\u0647\u0627\u060c \u0648\u0644\u0643\u0646 \u0633\u062a\u0645\u062a\u062f \u0627\u0644\u062a\u0637\u0648\u0631\u0627\u062a \u0623\u064a\u0636\u0627 \u0643\u064a \u062a\u0634\u0645\u0644 \u0645\u0646\u062a\u062c\u0627\u062a \u062c\u062f\u064a\u062f\u0629 \u062a\u0639\u0648\u0636 \u062d\u0627\u0645\u0644 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0639\u0646 \u0641\u0642\u062f\u0627\u0646 \u0627\u0644\u062f\u062e\u0644 \u0623\u0648 \u0627\u0644\u062a\u0639\u0631\u0636 \u0644\u0644\u0625\u063a\u0644\u0627\u0642 \u0641\u064a \u0645\u0643\u0627\u0646 \u0645\u0639\u064a\u0646\u060c \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0627\u0644\u0641\u062d\u0635 \u0648\u0627\u0644\u062a\u0634\u062e\u064a\u0635 \u0627\u0644\u0633\u0631\u064a\u0639 \u0644\u0644\u062d\u0627\u0644\u0627\u062a \u063a\u064a\u0631 \u0627\u0644\u0645\u0635\u0627\u0628\u0629 \u0628\u0641\u064a\u0631\u0648\u0633 \u0643\u0648\u0631\u0648\u0646\u0627 \u0627\u0644\u0645\u0633\u062a\u062c\u062f. \u0648\u0642\u062f \u0633\u0639\u0649 \u0627\u0644\u0642\u0627\u0626\u0645\u0648\u0646 \u0639\u0644\u0649\u00a0 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0635\u062d\u064a\u0629 \u0627\u0644\u0648\u0637\u0646\u064a\u0629 \u0644\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0641\u062d\u0648\u0635\u0627\u062a \u0645\u0646\u062a\u0638\u0645\u0629 \u0623\u0648 \u0641\u062d\u0648\u0635\u0627\u062a \u0635\u062d\u064a\u0629 \u0623\u062b\u0646\u0627\u0621 \u0627\u0644\u0648\u0628\u0627\u0621\u060c \u0648\u0647\u0648 \u0645\u0627 \u064a\u0648\u0641\u0631 \u0641\u0631\u0635 \u0631\u0627\u0626\u0639\u0629 \u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0635\u062d\u064a \u0648\u0627\u0644\u0637\u0628 \u0627\u0644\u0631\u0642\u0645\u064a\u060c \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0627\u0644\u062c\u062f\u064a\u062f\u0629.<\/p>\n<p>\u0648\u0642\u062f \u064a\u0634\u0647\u062f \u0627\u0644\u062a\u0648\u062c\u0647 \u0646\u062d\u0648 \u0627\u0644\u0639\u0645\u0644 \u0645\u0646 \u0627\u0644\u0645\u0646\u0632\u0644 \u0641\u064a \u0623\u0645\u0631\u064a\u0643\u0627 \u0627\u0644\u0634\u0645\u0627\u0644\u064a\u0629 \u0648\u0623\u0648\u0631\u0648\u0628\u0627 \u0623\u064a\u0636\u064b\u0627 \u0632\u064a\u0627\u062f\u0629 \u0643\u0628\u064a\u0631\u0629 \u0641\u064a \u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a PAYG \u0627\u0644\u062a\u064a \u062a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0627\u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a\u060c \u062d\u064a\u062b \u064a\u0639\u0645\u0644 \u0627\u0644\u0643\u062b\u064a\u0631\u0648\u0646 \u0623\u064a\u0636\u064b\u0627 \u0643\u062c\u0627\u0645\u0639\u064a \u0628\u064a\u0627\u0646\u0627\u062a \u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u062d\u0627\u0644\u064a \u0628\u0634\u0643\u0644 \u0627\u0641\u062a\u0631\u0627\u0636\u064a. \u0648\u0639\u0644\u0649 \u0627\u0644\u0631\u063a\u0645 \u0645\u0646 \u0627\u0644\u062a\u0637\u0648\u0631 \u0627\u0644\u0630\u064a \u062a\u0634\u0647\u062f\u0647 \u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u0627\u062a\u0635\u0627\u0644 \u0639\u0646 \u0628\u064f\u0639\u062f\u060c \u0641\u0645\u0646 \u0627\u0644\u0645\u0631\u062c\u062d \u0623\u0646 \u064a\u0631\u0641\u0636 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u0648\u0646 \u0634\u0631\u0627\u0621 \u0647\u0630\u0647 \u0627\u0644\u0623\u062c\u0647\u0632\u0629 \u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0647\u0648\u0627\u062a\u0641\u0647\u0645 \u0627\u0644\u0630\u0643\u064a\u0629 \u062a\u0648\u0641\u0631 \u0628\u064a\u0627\u0646\u0627\u062a \u0643\u0627\u0641\u064a\u0629 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0641\u0642\u0627 \u0644\u0644\u0623\u0645\u064a\u0627\u0644.<\/p>\n<p>\u0648\u064a\u0634\u064a\u0631 \u0627\u0633\u062a\u0637\u0644\u0627\u0639 \u062f\u064a\u0644\u0648\u064a\u062a<a href=\"#_ftn10\" name=\"_ftnref10\">[10]<\/a> \u0625\u0644\u0649 \u0623\u0646\u0647 \u0645\u0639 \u0627\u0644\u062c\u0627\u0626\u062d\u0629 \u0634\u0647\u062f \u0633\u0648\u0642 \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u062a\u062d\u0648\u0644\u0627\u064b \u0645\u0644\u062d\u0648\u0638\u064b\u0627\u060c \u062d\u064a\u062b \u0623\u062d\u062c\u0645\u062a \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0639\u0646 \u062a\u0623\u062c\u064a\u0631 \u0645\u0633\u0627\u062d\u0627\u062a \u0644\u0644\u0645\u0643\u0627\u062a\u0628 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629\u060c \u0643\u0645\u0627 \u0642\u0644\u0635\u062a \u0645\u0627 \u062a\u0642\u0648\u0645 \u0628\u0647 \u0645\u0646 \u0639\u0645\u0644\u064a\u0627\u062a \u0648\u0623\u0639\u0645\u0627\u0644 \u0628\u0634\u0643\u0644 \u0643\u0628\u064a\u0631. \u0648\u0645\u0646 \u0627\u0644\u0645\u0646\u062a\u0638\u0631 \u0623\u0646 \u064a\u0633\u0647\u0645 \u0630\u0644\u0643 \u0641\u064a \u062a\u0648\u0641\u064a\u0631 \u0641\u0631\u0635 \u062c\u062f\u064a\u062f\u0629 \u0641\u064a \u0627\u0644\u0645\u062f\u0646 \u062d\u064a\u062b \u064a\u062a\u0645 \u0625\u0639\u0627\u062f\u0629 \u062a\u062e\u0635\u064a\u0635 \u0627\u0644\u0645\u0633\u0627\u062d\u0627\u062a \u0627\u0644\u0645\u0643\u062a\u0628\u064a\u0629 \u062a\u062f\u0631\u064a\u062c\u064a\u0627\u064b \u0648\u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647\u0627 \u0643\u0645\u0633\u0627\u0643\u0646 \u0623\u0648 \u0623\u0645\u0627\u0643\u0646 \u0644\u0644\u062a\u0631\u0641\u064a\u0647 \u0623\u0648 \u062a\u062e\u0635\u064a\u0635\u0647\u0627 \u0645\u0646 \u0642\u0628\u0644 \u0627\u0644\u062d\u0643\u0648\u0645\u0629 \u0627\u0644\u0645\u062d\u0644\u064a\u0629 \u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0627\u062a \u0623\u062e\u0631\u0649. \u0648\u0645\u0639 \u0627\u0644\u0645\u0628\u0627\u062f\u0631\u0627\u062a \u0627\u0644\u0645\u0639\u0646\u064a\u0629 \u0628\u062a\u063a\u064a\u0631 \u0627\u0644\u0645\u0646\u0627\u062e \u0648\u0627\u0644\u0627\u0633\u062a\u062f\u0627\u0645\u0629\u060c \u0642\u062f \u064a\u0624\u062f\u064a \u0647\u0630\u0627 \u0627\u0644\u0627\u062a\u062c\u0627\u0647 \u0625\u0644\u0649 \u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0637\u0644\u0628 \u0639\u0644\u0649 \u0627\u0644\u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0644\u0644\u062d\u062f\u0627\u0626\u0642 \u0627\u0644\u0628\u064a\u0626\u064a\u0629\u060c \u0648\u062e\u0637\u0637 \u0645\u0634\u0627\u0631\u0643\u0629 \u0627\u0644\u0631\u062d\u0644\u0627\u062a \u0627\u0644\u0627\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629\u060c \u0648\u0627\u0644\u0645\u0634\u0631\u0648\u0639\u0627\u062a \u0645\u0646\u062e\u0641\u0636\u0629 \u0627\u0644\u0643\u0631\u0628\u0648\u0646 \u0627\u0644\u062a\u064a \u062a\u0631\u0643\u0632 \u0639\u0644\u0649 \u062a\u0648\u0635\u064a\u0644 \u0627\u0644\u0628\u0636\u0627\u0626\u0639 \u0641\u064a \u0627\u0644\u0645\u0646\u0627\u0637\u0642 \u0627\u0644\u062d\u0636\u0631\u064a\u0629 \u0648\u063a\u064a\u0631 \u0630\u0644\u0643 \u0627\u0644\u0643\u062b\u064a\u0631.<\/p>\n<p>\u0644\u0642\u062f \u0646\u062c\u062d\u062a \u0639\u0628\u062f \u0627\u0644\u0644\u0637\u064a\u0641 \u062c\u0645\u064a\u0644 \u0645\u0646 \u062a\u062d\u0642\u064a\u0642 \u062a\u0648\u0627\u062c\u062f \u0642\u0648\u0649 \u062f\u0627\u062e\u0644 \u0647\u0630\u0627 \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0647\u0645\u060c \u0645\u0646 \u062e\u0644\u0627\u0644 \u0634\u0631\u0643\u0629 \u0639\u0628\u062f \u0627\u0644\u0644\u0637\u064a\u0641 \u062c\u0645\u064a\u0644 \u0644\u0644\u062a\u0645\u0648\u064a\u0644. \u0648\u0647\u0649 \u0641\u064a \u0630\u0644\u0643 \u062a\u0633\u0639\u0649 \u062f\u0648\u0645\u064b\u0627 \u0644\u062a\u0648\u0641\u064a\u0631 \u062d\u0644\u0648\u0644 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u0649 \u062a\u0642\u062f\u0645 \u0645\u0628\u0627\u0634\u0631\u0629 \u0644\u0644\u0639\u0645\u0644\u0627\u0621. \u0644\u0642\u062f \u0628\u062f\u0623\u0646\u0627 \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u0645\u0646\u0630 \u0623\u0643\u062b\u0631 \u0645\u0646 40 \u0639\u0627\u0645\u064b\u0627\u060c \u0648\u0643\u0646\u0627 \u0631\u0648\u0627\u062f\u064b\u0627 \u0641\u064a \u062a\u0642\u062f\u064a\u0645 \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u0630\u064a \u0645\u0643\u0646 \u0627\u0644\u0643\u062b\u064a\u0631\u064a\u0646 &#8211; \u0645\u0645\u0646 \u0644\u0627 \u064a\u0633\u062a\u0637\u064a\u0639\u0648\u0646 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u062a\u0645\u0648\u064a\u0644 \u0645\u0646 \u062c\u0647\u0627\u062a \u0623\u062e\u0631\u0649 &#8211;\u00a0\u00a0 \u0645\u0646 \u0634\u0631\u0627\u0621 \u0633\u064a\u0627\u0631\u0629.<\/p>\n<p>\u0648\u0645\u0646\u0630 \u0630\u0644\u0643 \u0627\u0644\u062d\u064a\u0646\u060c \u0646\u0645\u062a \u0627\u0644\u0634\u0631\u0643\u0629 \u0644\u062a\u0635\u0628\u062d \u0648\u0627\u062d\u062f\u0629 \u0645\u0646 \u0623\u0643\u0628\u0631 \u0645\u0642\u062f\u0645\u064a \u062e\u062f\u0645\u0627\u062a \u062a\u0623\u062c\u064a\u0631 \u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a \u0648\u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0641\u064a \u0627\u0644\u0634\u0631\u0642 \u0627\u0644\u0623\u0648\u0633\u0637. \u0648\u0642\u062f \u0642\u0645\u0646\u0627 \u0628\u062a\u0648\u0633\u0639\u0629 \u0646\u0637\u0627\u0642 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u062d\u062a\u0649 \u0644\u0627 \u064a\u0642\u062a\u0635\u0631 \u0639\u0644\u0649 \u0627\u0644\u0645\u0631\u0643\u0628\u0627\u062a \u0648\u062d\u0633\u0628 \u0628\u0644 \u0644\u064a\u0634\u0645\u0644 \u0623\u064a\u0636\u064b\u0627 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a\u0629\u060c \u0648\u0627\u0644\u0645\u0639\u062f\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629\u060c \u0648\u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a\u060c \u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0645\u0631\u0643\u0628\u0627\u062a.<\/p>\n<p>\u0625\u0646\u0646\u0627 \u0646\u0639\u0645\u0644 \u0627\u0644\u0622\u0646 \u0639\u0644\u0649 \u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u0627\u062a \u0648\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062a\u064a \u0646\u0642\u062f\u0645\u0647\u0627. \u0643\u0645\u0627 \u0623\u0646\u0646\u0627 \u0646\u062e\u0637\u0637 \u0644\u062a\u0623\u0633\u064a\u0633 \u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0634\u0631\u0643\u0627\u062a\u00a0 \u0648\u0633\u0627\u0637\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0623\u0646 \u064a\u0634\u0645\u0644 \u0630\u0644\u0643 \u0627\u0644\u0633\u0648\u0642 \u0627\u0644\u0645\u0635\u0631\u064a. \u0648\u0646\u062d\u0646 \u0646\u0647\u062f\u0641 \u0645\u0646 \u0648\u0631\u0627\u0621 \u0630\u0644\u0643 \u0625\u0644\u0649 \u0645\u0648\u0627\u0635\u0644\u0629 \u0645\u0633\u064a\u0631\u062a\u0646\u0627 \u0641\u064a \u0639\u0627\u0644\u0645 \u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062a\u0643\u0627\u0645\u0644 \u0645\u0639 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0642\u0627\u0626\u0645\u0629 \u0628\u0627\u0644\u0641\u0639\u0644 \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u0648\u062a\u0631\u0643\u064a\u0627.<\/p>\n<p>\u0641\u064a \u0639\u0627\u0645 2020\u060c \u0623\u0637\u0644\u0642\u0646\u0627 \u0623\u064a\u0636\u064b\u0627 \u0634\u0631\u0643\u0629 \u0648\u0633\u0627\u0637\u0629 \u0644\u0625\u0639\u0627\u062f\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u0627\u0628\u0639\u0629 \u0644\u0634\u0631\u0643\u0629 \u0644\u0648\u064a\u062f\u0632 Lloyds \u0641\u064a \u0644\u0646\u062f\u0646 \u0648\u062a\u062f\u0639\u0649 \u062c\u0646\u0648\u0627 \u00a0JENOA . \u0648\u0645\u0646 \u0627\u0644\u0645\u0646\u062a\u0638\u0631 \u0623\u0646 \u062a\u0628\u0646\u064a \u062a\u0644\u0643 \u0627\u0644\u0634\u0631\u0643\u0629 \u062c\u0633\u0631\u064b\u0627 \u0644\u0623\u0639\u0645\u0627\u0644 \u0625\u0639\u0627\u062f\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0628\u0631 \u0645\u0646\u0637\u0642\u0629 \u0627\u0644\u0634\u0631\u0642 \u0627\u0644\u0623\u0648\u0633\u0637 \u0648\u0634\u0645\u0627\u0644 \u0623\u0641\u0631\u064a\u0642\u064a\u0627 \u0648\u062a\u0631\u0643\u064a\u0627 \u0648\u0644\u0648\u064a\u062f\u0632 \u0641\u064a \u0644\u0646\u062f\u0646. \u0643\u0645\u0627 \u0623\u0646\u0647\u0627 \u062a\u0633\u0627\u0639\u062f\u0646\u0627 \u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0646\u0641\u0633\u0647 \u0641\u064a \u062a\u0637\u0648\u064a\u0631 \u0648\u062a\u0642\u062f\u064a\u0645 \u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0644\u062a\u0644\u0628\u064a\u0629 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a \u0627\u0644\u0645\u062a\u0637\u0648\u0631\u0629 \u0644\u0639\u0645\u0644\u0627\u0626\u0646\u0627.<\/p>\n<p>\u0648\u062a\u062c\u0645\u0639 \u062c\u0646\u0648\u0627 JENOA \u0628\u064a\u0646 \u0627\u0644\u062a\u0627\u0631\u064a\u062e \u0648\u0627\u0644\u062a\u0631\u0627\u062b \u0648\u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0648\u0627\u0644\u0625\u0628\u062f\u0627\u0639 \u0648\u0642\u062f\u0631\u0627\u062a \u0627\u0644\u062a\u0641\u0643\u064a\u0631 \u0628\u0646\u0638\u0631\u0629 \u0645\u0633\u062a\u0642\u0628\u0644\u064a\u0629 \u0648\u0623\u062d\u062f\u062b \u0627\u0644\u062a\u0637\u0648\u0631\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629 \u0641\u064a \u0633\u0648\u0642 \u0625\u0639\u0627\u062f\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646. \u0648\u062a\u0647\u062f\u0641 \u062c\u0646\u0648\u0627 JENOA \u0625\u0644\u0649 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0648\u0633\u064a\u0637\u064b\u0627 \u0631\u0642\u0645\u064a\u064b\u0627 \u0634\u0627\u0645\u0644\u0627\u064b \u064a\u0642\u062f\u0645 \u0645\u062c\u0645\u0648\u0639\u0629 \u0643\u0627\u0645\u0644\u0629 \u0645\u0646 \u0625\u0645\u0643\u0627\u0646\u064a\u0627\u062a \u0648\u0633\u0627\u0637\u0629 \u0625\u0639\u0627\u062f\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0635\u0645\u0645\u0629 \u062e\u0635\u064a\u0635\u064b\u0627 \u0644\u062a\u0644\u0628\u064a\u0629 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a \u0627\u0644\u0645\u062d\u062f\u062f\u0629 \u0644\u0639\u0645\u0644\u0627\u0626\u0647\u0627.<\/p>\n<p><iframe loading=\"lazy\" src=\"\/\/www.youtube.com\/embed\/YRggn1Gz51o\" width=\"560\" height=\"314\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p>\u0648\u0628\u0635\u0641\u062a\u0647\u0627 \u0645\u0645\u062b\u0644\u064b\u0627 \u0645\u064f\u0639\u064a\u0646\u064b\u0627 \u0644\u0634\u0631\u0643\u0629 \u0644\u0648\u064a\u062f\u0632 Lloyds \u060c \u062a\u062a\u0645\u062a\u0639 \u0634\u0631\u0643\u0629 \u00a0\u062c\u0646\u0648\u0627 JENOA \u0628\u0625\u0645\u0643\u0627\u0646\u064a\u0629 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0623\u0643\u0628\u0631 \u0633\u0648\u0642 \u0644\u0625\u0639\u0627\u062f\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u064a \u0627\u0644\u0639\u0627\u0644\u0645\u060c \u0643\u0645\u0627 \u062a\u062d\u0638\u0649 \u0628\u062f\u0639\u0645 \u0634\u0631\u0643\u0629 \u0639\u0628\u062f \u0627\u0644\u0644\u0637\u064a\u0641 \u062c\u0645\u064a\u0644 \u0644\u0644\u062a\u0645\u0648\u064a\u0644. \u0648\u0647\u0649 \u062a\u062a\u0645\u062a\u0639 \u0628\u0627\u0644\u0625\u0645\u0643\u0627\u0646\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0633\u0645\u062d \u0644\u0647\u0627 \u0628\u062a\u0642\u062f\u064a\u0645 \u062d\u0644\u0648\u0644 \u0633\u0648\u0642 \u0644\u0646\u062f\u0646 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u0648\u062a\u0635\u0645\u064a\u0645 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0628\u062a\u0643\u0631\u0629 \u0648\u062a\u0642\u062f\u064a\u0645 \u062d\u0644\u0648\u0644 \u0645\u062a\u0648\u0627\u0641\u0642\u0629 \u0645\u0639 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629\u060c \u0648\u0647\u0648 \u0645\u0627 \u064a\u0633\u0645\u062d \u0644\u0647\u0627 \u0628\u062a\u0648\u0633\u064a\u0639 \u0646\u0637\u0627\u0642 \u0623\u0639\u0645\u0627\u0644\u0647\u0627 \u0641\u064a \u0623\u0633\u0648\u0627\u0642 \u0623\u062e\u0631\u0649 \u0645\u0647\u0645\u0629 \u0641\u064a \u0627\u0644\u0634\u0631\u0642 \u0627\u0644\u0623\u0648\u0633\u0637 \u0648\u0634\u0645\u0627\u0644 \u0625\u0641\u0631\u064a\u0642\u064a\u0627 \u0648\u062d\u0648\u0644 \u0627\u0644\u0639\u0627\u0644\u0645.<\/p>\n<figure id=\"attachment_87952\" aria-describedby=\"caption-attachment-87952\" style=\"width: 300px\" class=\"wp-caption alignleft\"><img decoding=\"async\" loading=\"lazy\" class=\"size-medium wp-image-87952\" src=\"https:\/\/www.alj.com\/app\/uploads\/2021\/04\/Mahboob-Khan-JENOA-300x189.jpeg\" alt=\"Mahboob Khan, JENOA\" width=\"300\" height=\"189\" srcset=\"https:\/\/media.alj.com\/app\/uploads\/2021\/04\/Mahboob-Khan-JENOA-300x189.jpeg 300w, https:\/\/media.alj.com\/app\/uploads\/2021\/04\/Mahboob-Khan-JENOA-1024x646.jpeg 1024w, https:\/\/media.alj.com\/app\/uploads\/2021\/04\/Mahboob-Khan-JENOA-150x95.jpeg 150w, https:\/\/media.alj.com\/app\/uploads\/2021\/04\/Mahboob-Khan-JENOA-768x484.jpeg 768w, https:\/\/media.alj.com\/app\/uploads\/2021\/04\/Mahboob-Khan-JENOA.jpeg 1280w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><figcaption id=\"caption-attachment-87952\" class=\"wp-caption-text\">\u0645\u062d\u0628\u0648\u0628 \u062e\u0627\u0646<br \/>\n\u0627\u0644\u0631\u0626\u064a\u0633 \u0627\u0644\u062a\u0646\u0641\u064a\u0630\u064a &#8211; \u062c\u0646\u0648\u0627<br \/>\n\u0627\u0644\u0639\u0636\u0648 \u0627\u0644\u0645\u0646\u062a\u062f\u0628\u060c \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0627\u0644\u062d\u062f \u0645\u0646 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u060c \u0639\u0628\u062f \u0627\u0644\u0644\u0637\u064a\u0641 \u062c\u0645\u064a\u0644<\/figcaption><\/figure>\n<p>\u064a\u0642\u0648\u0644 \u0645\u062d\u0628\u0648\u0628 \u062e\u0627\u0646\u060c \u0627\u0644\u0631\u0626\u064a\u0633 \u0627\u0644\u062a\u0646\u0641\u064a\u0630\u064a \u0641\u0649 \u062c\u0646\u0648\u0627 JENOA: &#8220;\u062a\u0642\u062f\u0645 \u062c\u0646\u0648\u0627 JENOA \u0644\u0644\u0633\u0648\u0642 \u0634\u064a\u0626\u0627 \u062c\u062f\u064a\u062f\u0627 \u0648\u0645\u0628\u062a\u0643\u0631\u0627. \u0648\u0628\u064a\u0646\u0645\u0627 \u0646\u0639\u064a \u062c\u064a\u062f\u064b\u0627 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0642\u0648\u0645 \u0639\u0644\u064a\u0647\u0627 \u0627\u0644\u0635\u0646\u0627\u0639\u0629 \u0648\u0627\u0644\u0643\u064a\u0641\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u0637\u0648\u0631\u062a \u0628\u0647\u0627 \u0639\u0644\u0649 \u0645\u062f\u0627\u0631 \u0627\u0644\u0642\u0631\u0646 \u0627\u0644\u0645\u0646\u0635\u0631\u0645\u060c \u0646\u0642\u062a\u0631\u0628 \u0645\u0646 \u0639\u0627\u0644\u0645 \u0625\u0639\u0627\u062f\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0645\u0646\u0638\u0648\u0631 \u062c\u062f\u064a\u062f \u0648\u0631\u0624\u0649 \u0645\u062e\u062a\u0644\u0641\u0629.<\/p>\n<p>\u0648\u0645\u0639 \u0625\u0642\u0628\u0627\u0644 \u0627\u0644\u0639\u0627\u0644\u0645 \u0639\u0644\u0649 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0648\u0627\u0644\u0631\u0642\u0645\u0646\u0629 \u0648\u0627\u062d\u062a\u0636\u0627\u0646\u0647 \u0644\u0647\u0645\u0627 \u0639\u0644\u0649 \u0646\u062d\u0648 \u0645\u062a\u0632\u0627\u064a\u062f \u0648\u0628\u0648\u062a\u064a\u0631\u0629 \u0645\u062a\u0633\u0627\u0631\u0639\u0629\u060c \u064a\u062a\u0645 \u062a\u0633\u062e\u064a\u0631 \u0627\u0644\u0625\u0645\u0643\u0627\u0646\u0627\u062a \u0644\u0644\u062a\u0648\u0635\u0644 \u0625\u0644\u0649 \u062d\u0644\u0648\u0644 \u0625\u0628\u062f\u0627\u0639\u064a\u0629 \u0648\u0645\u062a\u0637\u0648\u0631\u0629 \u0644\u0639\u0645\u0644\u0627\u0626\u0646\u0627. \u0648\u0644\u0639\u0644 \u062a\u0644\u0643 \u0627\u0644\u0642\u0648\u0629 \u0648\u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0628\u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0648\u0627\u0644\u0625\u0628\u062f\u0627\u0639 \u0647\u0648 \u0645\u0627 \u064a\u0645\u0643\u0646\u0646\u0627 \u0645\u0646 \u062a\u062c\u0627\u0648\u0632 \u0627\u0644\u062d\u062f\u0648\u062f \u0648\u064a\u062c\u0639\u0644\u0646\u0627 \u0645\u062b\u0627\u0644\u0627\u064b \u064a\u062d\u062a\u0630\u0649 \u0628\u0647\u060c \u0648\u0647\u0648 \u0645\u0627 \u064a\u0634\u062c\u0639 \u0639\u0645\u0644\u0627\u0626\u0646\u0627 \u0639\u0644\u0649 \u0627\u062e\u062a\u064a\u0627\u0631 \u062e\u062f\u0645\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u062d\u0644\u0648\u0644 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u0646\u0627\u0633\u0628\u0629 \u0644\u0623\u0639\u0645\u0627\u0644\u0647\u0645 \u0648\u0627\u0644\u062a\u064a \u062a\u0633\u0645\u062d \u0644\u0647\u0645 \u0628\u0627\u0644\u0627\u0632\u062f\u0647\u0627\u0631&#8221;. \u00a0<\/p>\n<p>\u0644\u0642\u062f \u0628\u062f\u0623 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0645\u0646\u0630 \u0642\u0631\u0648\u0646 \u0639\u0646\u062f\u0645\u0627 \u0643\u0627\u0646 \u0627\u0644\u062a\u062c\u0627\u0631 \u064a\u0631\u0648\u0646 \u0623\u0646 \u062e\u0633\u0627\u0631\u0629 \u0634\u062d\u0646\u0629 \u0648\u0627\u062d\u062f\u0629 \u0645\u0646 \u062a\u062c\u0627\u0631\u062a\u0647\u0645 \u00a0\u0628\u0633\u0628\u0628 \u0643\u0627\u0631\u062b\u0629 \u0645\u0627 \u0643\u0641\u064a\u0644\u0629 \u0628\u0623\u0646 \u062a\u0642\u0636\u064a \u0639\u0644\u0649 \u0623\u0639\u0645\u0627\u0644\u0647\u0645. \u0648\u0645\u0646 \u0627\u0644\u0645\u0646\u062a\u0638\u0631 \u0623\u0646 \u062a\u0633\u062a\u0645\u0631 \u0627\u0644\u0645\u0648\u0627\u0632\u0646\u0629 \u0646\u0641\u0633\u0647\u0627 \u0628\u064a\u0646 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0648\u0627\u0644\u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0623\u0648\u0644\u064a\u0629 \u0644\u062a\u0643\u0648\u0646 \u0627\u0633\u0627\u0633 \u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0646\u0634\u0648\u0631\u062a\u0643\/ \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u064a \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644\u060c \u0639\u0644\u0649 \u0627\u0644\u0631\u063a\u0645 \u0645\u0646 \u0627\u0644\u062a\u0637\u0648\u0631 \u0627\u0644\u0630\u064a \u0633\u062a\u0634\u0647\u062f\u0647 \u0623\u0633\u0627\u0644\u064a\u0628 \u062a\u0648\u0632\u064a\u0639 \u0648\u0628\u064a\u0639 \u0647\u0630\u0647 \u0627\u0644\u0648\u062b\u0627\u0626\u0642 \u0628\u0641\u0636\u0644 \u062a\u0637\u0648\u0631 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0628\u0634\u0643\u0644 \u0639\u0627\u0645. \u0648\u0645\u0639 \u0639\u0628\u062f \u0627\u0644\u0644\u0637\u064a\u0641 \u062c\u0645\u064a\u0644 \u0644\u0644\u062a\u0645\u0648\u064a\u0644\u060c \u0646\u062a\u0637\u0644\u0639 \u0625\u0644\u0649 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u0631\u062d\u0644\u0629.<\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> \u00a0<a href=\"https:\/\/www.accenture.com\/ae-en\/insights\/insurance\/rise-insurtech\">https:\/\/www.accenture.com\/ae-en\/insights\/insurance\/rise-insurtech<\/a><\/p>\n<p><a href=\"#_ftnref2\" name=\"_ftn2\">[2]<\/a> \u00a0<a href=\"https:\/\/www.willistowerswatson.com\/en-GB\/Insights\/2021\/01\/quarterly-insurtech-briefing-q4-2020\">https:\/\/www.willistowerswatson.com\/en-GB\/Insights\/2021\/01\/quarterly-insurtech-briefing-q4-2020<\/a><\/p>\n<p><a href=\"#_ftnref3\" name=\"_ftn3\">[3]<\/a> \u00a0<a href=\"https:\/\/home.kpmg\/xx\/en\/home\/insights\/2019\/02\/insurtech-10-auto-insurance-disruption-coming-but-director-not-clear-fs.html\">https:\/\/home.kpmg\/xx\/en\/home\/insights\/2019\/02\/insurtech-10-auto-insurance-disruption-coming-but-director-not-clear-fs.html<\/a><\/p>\n<p><a href=\"#_ftnref4\" name=\"_ftn4\">[4]<\/a> \u00a0<a href=\"https:\/\/ec.europa.eu\/eurostat\/statistics-explained\/index.php\/Household_composition_statistics\">https:\/\/ec.europa.eu\/eurostat\/statistics-explained\/index.php\/Household_composition_statistics<\/a><\/p>\n<p><a href=\"#_ftnref5\" name=\"_ftn5\">[5]<\/a> \u00a0<a href=\"https:\/\/www.accenture.com\/ae-en\/insights\/insurance\/rise-insurtech\">https:\/\/www.accenture.com\/ae-en\/insights\/insurance\/rise-insurtech<\/a><\/p>\n<p><a href=\"#_ftnref6\" name=\"_ftn6\">[6]<\/a> \u00a0<a href=\"https:\/\/www.insurancebusinessmag.com\/uk\/news\/breaking-news\/zurich-innovation-in-insurance-requires-the-right-mindset-173554.aspx\">Zurich: Innovation in insurance requires \u2018the right mindset\u2019 | Insurance Business (insurancebusinessmag.com)<\/a><\/p>\n<p>\u0632\u064a\u0648\u0631\u062e: \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u064a\u062a\u0637\u0644\u0628 &#8220;\u0627\u0644\u0639\u0642\u0644\u064a\u0629 \u0627\u0644\u0635\u062d\u064a\u062d\u0629&#8221; | \u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 (insurancebusinessmag.com)<\/p>\n<p><a href=\"#_ftnref7\" name=\"_ftn7\">[7]<\/a> \u00a0[7] <a href=\"https:\/\/www.democrance.com\/axa-and-democrance-expand-inclusive-insurance-to-customers-globally\/\">AXA and Democrance expand inclusive insurance to customers globally<\/a>, 18 May 2020<\/p>\n<p>\u0623\u0643\u0633\u0627 \u0648\u062f\u064a\u0645\u0648\u0643\u0631\u0627\u0646\u0633 \u062a\u0648\u0633\u0639\u0627\u0646 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0634\u0627\u0645\u0644 \u0644\u0644\u0639\u0645\u0644\u0627\u0621 \u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0639\u0627\u0644\u0645\u060c 18 \u0645\u0627\u064a\u0648 2020<\/p>\n<p><a href=\"#_ftnref8\" name=\"_ftn8\">[8]<\/a> \u00a0<a href=\"https:\/\/iireporter.com\/polands-pzu-uses-tractable-ai-to-analyze-auto-damage\/\">Poland\u2019s PZU Uses Tractable AI to Analyze Auto Damage | Insurance Innovation Reporter (iireporter.com)<\/a><\/p>\n<p>\u062a\u0633\u062a\u062e\u062f\u0645 \u0634\u0631\u0643\u0629 PZU \u0627\u0644\u0628\u0648\u0644\u0646\u062f\u064a\u0629 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0644\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0627\u0636\u0631\u0627\u0631- | \u0645\u0631\u0627\u0633\u0644 \u0627\u0628\u062a\u0643\u0627\u0631 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 (iireporter.com)<\/p>\n<p><a href=\"#_ftnref9\" name=\"_ftn9\">[9]<\/a> \u00a0<a href=\"https:\/\/www.metlife.com\/about-us\/newsroom\/2020\/september\/metlife-digital-accelerator-partners-with-10-startups\/\">https:\/\/www.metlife.com\/about-us\/newsroom\/2020\/september\/metlife-digital-accelerator-partners-with-10-startups\/<\/a><\/p>\n<p><a href=\"#_ftnref10\" name=\"_ftn10\">[10]<\/a> \u00a0<a href=\"https:\/\/www2.deloitte.com\/xe\/en\/insights\/industry\/financial-services\/financial-services-industry-outlooks\/insurance-industry-outlook.html\">Deloitte 2021 Insurance industry outlook<\/a><\/p>\n","protected":false},"author":18,"featured_media":87945,"template":"","tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u00ae\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u062a\u0623\u062b\u064a\u0631\u0647\u0627 \u0639\u0644\u064a \u0645\u0633\u062a\u0642\u0628\u0644 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 |\u0639\u0628\u062f\u0627\u0644\u0644\u0637\u064a\u0641 \u062c\u0645\u064a\u0644<\/title>\n<meta name=\"description\" content=\"\u0634\u0647\u062f \u0642\u0637\u0627\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u063a\u064a\u0631\u0627\u062a \u0648\u062a\u062d\u0648\u0644\u0627\u062a \u0625\u0644\u0649 \u0627\u0644\u0623\u0641\u0636\u0644 \u0643\u0645\u0627 \u062d\u0638\u064a \u0628\u062f\u0639\u0645 \u0647\u0627\u0626\u0644\u060c \u0648\u0630\u0644\u0643 \u0628\u0639\u062f \u0623\u0646 \u0623\u0635\u0628\u062d\u062a \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0645\u062a\u0627\u062d\u0629 \u0644\u0644\u062c\u0645\u064a\u0639 \u062d\u0648\u0644 \u0627\u0644\u0639\u0627\u0644\u0645. \u0625\u0639\u0631\u0641 \u0627\u0644\u0645\u0632\u064a\u062f \u0639\u0646 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0647\u0646\u0627.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/alj.com\/ar\/perspective\/insuring-the-future\/\" \/>\n<meta property=\"og:locale\" content=\"ar_AR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00ae\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u062a\u0623\u062b\u064a\u0631\u0647\u0627 \u0639\u0644\u064a \u0645\u0633\u062a\u0642\u0628\u0644 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 |\u0639\u0628\u062f\u0627\u0644\u0644\u0637\u064a\u0641 \u062c\u0645\u064a\u0644\" \/>\n<meta property=\"og:description\" content=\"\u0634\u0647\u062f \u0642\u0637\u0627\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u063a\u064a\u0631\u0627\u062a \u0648\u062a\u062d\u0648\u0644\u0627\u062a \u0625\u0644\u0649 \u0627\u0644\u0623\u0641\u0636\u0644 \u0643\u0645\u0627 \u062d\u0638\u064a \u0628\u062f\u0639\u0645 \u0647\u0627\u0626\u0644\u060c \u0648\u0630\u0644\u0643 \u0628\u0639\u062f \u0623\u0646 \u0623\u0635\u0628\u062d\u062a \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0645\u062a\u0627\u062d\u0629 \u0644\u0644\u062c\u0645\u064a\u0639 \u062d\u0648\u0644 \u0627\u0644\u0639\u0627\u0644\u0645. \u0625\u0639\u0631\u0641 \u0627\u0644\u0645\u0632\u064a\u062f \u0639\u0646 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0647\u0646\u0627.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/alj.com\/ar\/perspective\/insuring-the-future\/\" \/>\n<meta property=\"og:site_name\" content=\"ALJ\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Abdul.Latif.Jameel.Official\" \/>\n<meta property=\"article:modified_time\" content=\"2022-12-22T05:40:35+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/media.alj.com\/app\/uploads\/2021\/04\/insurtech-web.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"886\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u0648\u0642\u062a \u0627\u0644\u0642\u0631\u0627\u0621\u0629 \u0627\u0644\u0645\u064f\u0642\u062f\u0651\u0631\" \/>\n\t<meta name=\"twitter:data1\" content=\"19 \u062f\u0642\u064a\u0642\u0629\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/alj.com\/ar\/perspective\/insuring-the-future\/\",\"url\":\"https:\/\/alj.com\/ar\/perspective\/insuring-the-future\/\",\"name\":\"\u00ae\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u062a\u0623\u062b\u064a\u0631\u0647\u0627 \u0639\u0644\u064a \u0645\u0633\u062a\u0642\u0628\u0644 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 |\u0639\u0628\u062f\u0627\u0644\u0644\u0637\u064a\u0641 \u062c\u0645\u064a\u0644\",\"isPartOf\":{\"@id\":\"https:\/\/alj.com\/en\/#website\"},\"datePublished\":\"2021-04-27T10:41:21+00:00\",\"dateModified\":\"2022-12-22T05:40:35+00:00\",\"description\":\"\u0634\u0647\u062f \u0642\u0637\u0627\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u063a\u064a\u0631\u0627\u062a \u0648\u062a\u062d\u0648\u0644\u0627\u062a \u0625\u0644\u0649 \u0627\u0644\u0623\u0641\u0636\u0644 \u0643\u0645\u0627 \u062d\u0638\u064a \u0628\u062f\u0639\u0645 \u0647\u0627\u0626\u0644\u060c \u0648\u0630\u0644\u0643 \u0628\u0639\u062f \u0623\u0646 \u0623\u0635\u0628\u062d\u062a \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0645\u062a\u0627\u062d\u0629 \u0644\u0644\u062c\u0645\u064a\u0639 \u062d\u0648\u0644 \u0627\u0644\u0639\u0627\u0644\u0645. \u0625\u0639\u0631\u0641 \u0627\u0644\u0645\u0632\u064a\u062f \u0639\u0646 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0647\u0646\u0627.\",\"breadcrumb\":{\"@id\":\"https:\/\/alj.com\/ar\/perspective\/insuring-the-future\/#breadcrumb\"},\"inLanguage\":\"ar\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/alj.com\/ar\/perspective\/insuring-the-future\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/alj.com\/ar\/perspective\/insuring-the-future\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/alj.com\/ar\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Perspectives\",\"item\":\"https:\/\/alj.com\/en\/perspective\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/alj.com\/en\/#website\",\"url\":\"https:\/\/alj.com\/en\/\",\"name\":\"ALJ\",\"description\":\"\u0639\u0628\u062f \u0627\u0644\u0644\u0637\u064a\u0641 \u062c\u0645\u064a\u0644\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/alj.com\/en\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"ar\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"\u00ae\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u062a\u0623\u062b\u064a\u0631\u0647\u0627 \u0639\u0644\u064a \u0645\u0633\u062a\u0642\u0628\u0644 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 |\u0639\u0628\u062f\u0627\u0644\u0644\u0637\u064a\u0641 \u062c\u0645\u064a\u0644","description":"\u0634\u0647\u062f \u0642\u0637\u0627\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u063a\u064a\u0631\u0627\u062a \u0648\u062a\u062d\u0648\u0644\u0627\u062a \u0625\u0644\u0649 \u0627\u0644\u0623\u0641\u0636\u0644 \u0643\u0645\u0627 \u062d\u0638\u064a \u0628\u062f\u0639\u0645 \u0647\u0627\u0626\u0644\u060c \u0648\u0630\u0644\u0643 \u0628\u0639\u062f \u0623\u0646 \u0623\u0635\u0628\u062d\u062a \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0645\u062a\u0627\u062d\u0629 \u0644\u0644\u062c\u0645\u064a\u0639 \u062d\u0648\u0644 \u0627\u0644\u0639\u0627\u0644\u0645. \u0625\u0639\u0631\u0641 \u0627\u0644\u0645\u0632\u064a\u062f \u0639\u0646 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0647\u0646\u0627.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/alj.com\/ar\/perspective\/insuring-the-future\/","og_locale":"ar_AR","og_type":"article","og_title":"\u00ae\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u062a\u0623\u062b\u064a\u0631\u0647\u0627 \u0639\u0644\u064a \u0645\u0633\u062a\u0642\u0628\u0644 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 |\u0639\u0628\u062f\u0627\u0644\u0644\u0637\u064a\u0641 \u062c\u0645\u064a\u0644","og_description":"\u0634\u0647\u062f \u0642\u0637\u0627\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u063a\u064a\u0631\u0627\u062a \u0648\u062a\u062d\u0648\u0644\u0627\u062a \u0625\u0644\u0649 \u0627\u0644\u0623\u0641\u0636\u0644 \u0643\u0645\u0627 \u062d\u0638\u064a \u0628\u062f\u0639\u0645 \u0647\u0627\u0626\u0644\u060c \u0648\u0630\u0644\u0643 \u0628\u0639\u062f \u0623\u0646 \u0623\u0635\u0628\u062d\u062a \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0645\u062a\u0627\u062d\u0629 \u0644\u0644\u062c\u0645\u064a\u0639 \u062d\u0648\u0644 \u0627\u0644\u0639\u0627\u0644\u0645. \u0625\u0639\u0631\u0641 \u0627\u0644\u0645\u0632\u064a\u062f \u0639\u0646 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0647\u0646\u0627.","og_url":"https:\/\/alj.com\/ar\/perspective\/insuring-the-future\/","og_site_name":"ALJ","article_publisher":"https:\/\/www.facebook.com\/Abdul.Latif.Jameel.Official","article_modified_time":"2022-12-22T05:40:35+00:00","og_image":[{"width":1200,"height":886,"url":"https:\/\/media.alj.com\/app\/uploads\/2021\/04\/insurtech-web.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"\u0648\u0642\u062a \u0627\u0644\u0642\u0631\u0627\u0621\u0629 \u0627\u0644\u0645\u064f\u0642\u062f\u0651\u0631":"19 \u062f\u0642\u064a\u0642\u0629"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/alj.com\/ar\/perspective\/insuring-the-future\/","url":"https:\/\/alj.com\/ar\/perspective\/insuring-the-future\/","name":"\u00ae\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u062a\u0623\u062b\u064a\u0631\u0647\u0627 \u0639\u0644\u064a \u0645\u0633\u062a\u0642\u0628\u0644 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 |\u0639\u0628\u062f\u0627\u0644\u0644\u0637\u064a\u0641 \u062c\u0645\u064a\u0644","isPartOf":{"@id":"https:\/\/alj.com\/en\/#website"},"datePublished":"2021-04-27T10:41:21+00:00","dateModified":"2022-12-22T05:40:35+00:00","description":"\u0634\u0647\u062f \u0642\u0637\u0627\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u063a\u064a\u0631\u0627\u062a \u0648\u062a\u062d\u0648\u0644\u0627\u062a \u0625\u0644\u0649 \u0627\u0644\u0623\u0641\u0636\u0644 \u0643\u0645\u0627 \u062d\u0638\u064a \u0628\u062f\u0639\u0645 \u0647\u0627\u0626\u0644\u060c \u0648\u0630\u0644\u0643 \u0628\u0639\u062f \u0623\u0646 \u0623\u0635\u0628\u062d\u062a \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0645\u062a\u0627\u062d\u0629 \u0644\u0644\u062c\u0645\u064a\u0639 \u062d\u0648\u0644 \u0627\u0644\u0639\u0627\u0644\u0645. \u0625\u0639\u0631\u0641 \u0627\u0644\u0645\u0632\u064a\u062f \u0639\u0646 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0647\u0646\u0627.","breadcrumb":{"@id":"https:\/\/alj.com\/ar\/perspective\/insuring-the-future\/#breadcrumb"},"inLanguage":"ar","potentialAction":[{"@type":"ReadAction","target":["https:\/\/alj.com\/ar\/perspective\/insuring-the-future\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/alj.com\/ar\/perspective\/insuring-the-future\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/alj.com\/ar\/"},{"@type":"ListItem","position":2,"name":"Perspectives","item":"https:\/\/alj.com\/en\/perspective\/"},{"@type":"ListItem","position":3,"name":"\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644"}]},{"@type":"WebSite","@id":"https:\/\/alj.com\/en\/#website","url":"https:\/\/alj.com\/en\/","name":"ALJ","description":"\u0639\u0628\u062f \u0627\u0644\u0644\u0637\u064a\u0641 \u062c\u0645\u064a\u0644","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/alj.com\/en\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"ar"}]}},"post-meta-fields":{"_alp_processed":["1619507686"],"_wpml_word_count":["{\"total\":3731,\"to_translate\":{\"ar\":3731,\"zh-hans\":3731,\"fr\":3731,\"ja\":3731,\"es\":3731,\"tr\":3731}}"],"push_notification":["no"],"_push_notification":["field_5c3b1fb67034d"],"_wpml_media_featured":["1"],"_wpml_media_duplicate":["1"],"perspective_short_title":["\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644"],"perspective_summury":["<p>\u0634\u0647\u062f\u062a \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0627\u0644\u0645\u064a\u064b\u0627 \u062a\u062d\u0648\u0644\u0627\u064b \u0645\u0644\u062d\u0648\u0638\u064b\u0627 \u0628\u0641\u0636\u0644 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u2013 \u0623\u0648 \"\u0627\u0646\u0634\u0648\u0631\u062a\u0643\" \u0643\u0645\u0627 \u064a\u0637\u0644\u0642 \u0639\u0644\u064a\u0647\u0627. \u00a0\u0648\u0644\u0627 \u064a\u0632\u0627\u0644 \u0647\u0630\u0627 \u0627\u0644\u0642\u0637\u0627\u0639 \u064a\u0634\u0647\u062f \u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u062a\u0637\u0648\u0631\u0627\u062a \u0645\u0639 \u0642\u064a\u0627\u0645 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0648\u0623\u0635\u062d\u0627\u0628 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a \u0627\u0644\u0645\u063a\u0627\u0645\u0631 \u0648\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062a\u0646\u0645\u064a\u0629 \u0648\u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0627\u0644\u0645\u062f\u0639\u0648\u0645\u0629 \u0645\u0646 \u0627\u0644\u062d\u0643\u0648\u0645\u0629 \u0628\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0645\u0644\u064a\u0627\u0631\u0627\u062a \u062e\u0644\u0627\u0644 \u0639\u0627\u0645 2020. \u0641\u0645\u0627 \u0627\u0644\u0645\u0642\u0635\u0648\u062f \u0628\u0627\u0646\u0634\u0648\u0631\u062a\u0643 \u0623\u0648 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u061f \u0648\u0645\u0627 \u0647\u064a \u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0648\u0627\u0644\u0641\u0631\u0635 \u0627\u0644\u062a\u064a \u062a\u0646\u0637\u0648\u064a \u0639\u0644\u064a\u0647\u0627 \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u061f<\/p>\n"],"perspective_location":["\u062f\u0628\u064a \u2013 \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629"],"wpcf-featured-news":["0"],"is_latest_news":["0"],"wpcf-show-news-at-homepage":["1"],"publish_mobile":["a:1:{i:0;s:3:\"yes\";}"],"_publish_mobile":["field_5bfa8eb2e65cf"],"mobile_featured_image":["https:\/\/media.alj.com\/app\/uploads\/2021\/04\/insurtech-web.jpg"],"_mobile_featured_image":["field_5c3b204983dea"],"_bsf_post_type":["0"],"_bsf_item_review_type":["none"],"_yoast_wpseo_title":["\u00ae\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u062a\u0623\u062b\u064a\u0631\u0647\u0627 \u0639\u0644\u064a \u0645\u0633\u062a\u0642\u0628\u0644 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 |\u0639\u0628\u062f\u0627\u0644\u0644\u0637\u064a\u0641 \u062c\u0645\u064a\u0644"],"_yoast_wpseo_metadesc":["\u0634\u0647\u062f \u0642\u0637\u0627\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u063a\u064a\u0631\u0627\u062a \u0648\u062a\u062d\u0648\u0644\u0627\u062a \u0625\u0644\u0649 \u0627\u0644\u0623\u0641\u0636\u0644 \u0643\u0645\u0627 \u062d\u0638\u064a \u0628\u062f\u0639\u0645 \u0647\u0627\u0626\u0644\u060c \u0648\u0630\u0644\u0643 \u0628\u0639\u062f \u0623\u0646 \u0623\u0635\u0628\u062d\u062a \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0645\u062a\u0627\u062d\u0629 \u0644\u0644\u062c\u0645\u064a\u0639 \u062d\u0648\u0644 \u0627\u0644\u0639\u0627\u0644\u0645. \u0625\u0639\u0631\u0641 \u0627\u0644\u0645\u0632\u064a\u062f \u0639\u0646 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0647\u0646\u0627."],"_yoast_wpseo_content_score":["30"],"post_views_count_2021Apr":["8"],"_thumbnail_id":["87945"],"_last_translation_edit_mode":["native-editor"],"post_views_count_2021May":["27"],"post_views_count_2021Jun":["4"],"post_views_count_2021Jul":["22"],"post_views_total_count":["22"],"_yoast_wpseo_estimated-reading-time-minutes":["19"],"_edit_lock":["1776965304:22"],"_edit_last":["25"],"content_series_applied":[""],"_content_series_applied":["field_60f3d3faf82ac"],"wpcf-perspective-published-date":["1619481600"],"perspective_business_sector":["\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629"],"featured_on_listing_page":["0"],"_featured_on_listing_page":["field_62458ea7383c3"],"wpcf-perspective-downloadable_file":[""],"wpcf-card-image":[""],"_wpcf-card-image-sort-order":["a:1:{i:0;i:1381042;}"],"wpcf-projecttitle":[""],"wpcf-projectdescription":[""],"wpcf-projectimage-video1":["image"],"wpcf-projectimage-1":[""],"wpcf-projectvideo-1":[""],"wpcf-projectdescription-1":[""],"wpcf-projectimage-video2":["image"],"wpcf-projectimage-2":[""],"wpcf-projectvideo-2":[""],"wpcf-projectdescription-2":[""],"wpcf-projectimage-video3":["image"],"wpcf-projectimage-3":[""],"wpcf-projectvideo-3":[""],"wpcf-projectdescription-3":[""],"wpcf-projectimage-video4":["image"],"wpcf-projectimage-4":[""],"wpcf-projectvideo-4":[""],"wpcf-projectdescription-4":[""],"wpcf-video-description":[""],"wpcf-layoutvideourl":[""],"wpcf-video-thumb":[""],"wpcf-social4-svg":[""],"wpcf-social4-background-image":[""],"wpcf-social4-text":[""],"wpcf-social4-url":[""],"wpcf-social3-svg":[""],"wpcf-social3-background-image":[""],"wpcf-social3-text":[""],"wpcf-social3-url":[""],"wpcf-social-text-svg-square":[""],"wpcf-social-text-image-square":[""],"wpcf-social-text-text-square":[""],"wpcf-social-text-url-square":[""],"wpcf-social2-svg":[""],"wpcf-social2-background-image":[""],"wpcf-social2-text":[""],"wpcf-social2-url":[""],"wpcf-social-svg-square":[""],"wpcf-social-image-square":[""],"wpcf-social-text-square":[""],"wpcf-social-url-square":[""],"wpcf-social1-svg":[""],"wpcf-social1-background-image":[""],"wpcf-social1-text":[""],"wpcf-social1-url":[""],"wpcf-quotes-with-auther-text-1":[""],"wpcf-card_article_with_title_content":[""],"wpcf-card_article_content":["<p>write your content<\/p>"],"wpcf-quotes-with-auther-text":[""],"_yoast_wpseo_wordproof_timestamp":[""]},"_links":{"self":[{"href":"https:\/\/alj.com\/ar\/wp-json\/wp\/v2\/perspective\/87961"}],"collection":[{"href":"https:\/\/alj.com\/ar\/wp-json\/wp\/v2\/perspective"}],"about":[{"href":"https:\/\/alj.com\/ar\/wp-json\/wp\/v2\/types\/perspective"}],"author":[{"embeddable":true,"href":"https:\/\/alj.com\/ar\/wp-json\/wp\/v2\/users\/18"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alj.com\/ar\/wp-json\/wp\/v2\/media\/87945"}],"wp:attachment":[{"href":"https:\/\/alj.com\/ar\/wp-json\/wp\/v2\/media?parent=87961"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alj.com\/ar\/wp-json\/wp\/v2\/tags?post=87961"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}