{\rtf1\adeflang1025\ansi\ansicpg1252\uc1\adeff0\deff0\stshfdbch0\stshfloch37\stshfhich37\stshfbi37\deflang1033\deflangfe1033\themelang1045\themelangfe0\themelangcs0{\fonttbl{\f0\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\f1\fbidi \fswiss\fcharset0\fprq2{\*\panose 020b0604020202020204}Arial;}
{\f2\fbidi \fmodern\fcharset0\fprq1{\*\panose 02070309020205020404}Courier New;}{\f3\fbidi \froman\fcharset2\fprq2{\*\panose 05050102010706020507}Symbol;}{\f10\fbidi \fnil\fcharset2\fprq2{\*\panose 05000000000000000000}Wingdings;}
{\f34\fbidi \froman\fcharset0\fprq2{\*\panose 02040503050406030204}Cambria Math;}{\f36\fbidi \froman\fcharset0\fprq2{\*\panose 02040503050406030204}Cambria;}{\f37\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri;}
{\f38\fbidi \fswiss\fcharset0\fprq2{\*\panose 020b0604030504040204}Tahoma;}{\f39\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0704030504030204}Arial Rounded MT Bold;}
{\f40\fbidi \fmodern\fcharset0\fprq2{\*\panose 00000000000000000000}Kievit-Medium{\*\falt Cambria};}{\f41\fbidi \froman\fcharset0\fprq2{\*\panose 00000500000000000000}Minion{\*\falt Times New Roman};}
{\f42\fbidi \fswiss\fcharset0\fprq2{\*\panose 00000000000000000000}RotisSansSerif{\*\falt Times New Roman};}{\f43\fbidi \froman\fcharset0\fprq2{\*\panose 00000000000000000000}RotisSerif{\*\falt Times New Roman};}
{\f44\fbidi \fswiss\fcharset0\fprq2{\*\panose 000b0500000000000000}RotisSemiSans ExtraBold{\*\falt Times New Roman};}{\f45\fbidi \fnil\fcharset0\fprq2{\*\panose 02000606040000020004}BodegaSans-Black{\*\falt Cambria};}
{\f46\fbidi \froman\fcharset0\fprq2{\*\panose 00000000000000000000}TimesNewRomanPS{\*\falt Times New Roman};}{\f47\fbidi \fswiss\fcharset0\fprq2{\*\panose 00000000000000000000}RotisSemiSans{\*\falt Times New Roman};}
{\f48\fbidi \fswiss\fcharset0\fprq2{\*\panose 00000000000000000000}RotisSansSerif ExtraBold{\*\falt Times New Roman};}{\f49\fbidi \fnil\fcharset0\fprq0{\*\panose 00000000000000000000}Jacob HandFont{\*\falt Times New Roman};}
{\f50\fbidi \fdecor\fcharset0\fprq2{\*\panose 00000000000000000000}Symbol PS{\*\falt Stencil};}{\flomajor\f31500\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}
{\fdbmajor\f31501\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\fhimajor\f31502\fbidi \froman\fcharset0\fprq2{\*\panose 02040503050406030204}Cambria;}
{\fbimajor\f31503\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\flominor\f31504\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}
{\fdbminor\f31505\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\fhiminor\f31506\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri;}
{\fbiminor\f31507\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\f318\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\f319\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\f321\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\f322\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\f323\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\f324\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}
{\f325\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\f326\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\f328\fbidi \fswiss\fcharset238\fprq2 Arial CE;}{\f329\fbidi \fswiss\fcharset204\fprq2 Arial Cyr;}
{\f331\fbidi \fswiss\fcharset161\fprq2 Arial Greek;}{\f332\fbidi \fswiss\fcharset162\fprq2 Arial Tur;}{\f333\fbidi \fswiss\fcharset177\fprq2 Arial (Hebrew);}{\f334\fbidi \fswiss\fcharset178\fprq2 Arial (Arabic);}
{\f335\fbidi \fswiss\fcharset186\fprq2 Arial Baltic;}{\f336\fbidi \fswiss\fcharset163\fprq2 Arial (Vietnamese);}{\f338\fbidi \fmodern\fcharset238\fprq1 Courier New CE;}{\f339\fbidi \fmodern\fcharset204\fprq1 Courier New Cyr;}
{\f341\fbidi \fmodern\fcharset161\fprq1 Courier New Greek;}{\f342\fbidi \fmodern\fcharset162\fprq1 Courier New Tur;}{\f343\fbidi \fmodern\fcharset177\fprq1 Courier New (Hebrew);}{\f344\fbidi \fmodern\fcharset178\fprq1 Courier New (Arabic);}
{\f345\fbidi \fmodern\fcharset186\fprq1 Courier New Baltic;}{\f346\fbidi \fmodern\fcharset163\fprq1 Courier New (Vietnamese);}{\f658\fbidi \froman\fcharset238\fprq2 Cambria Math CE;}{\f659\fbidi \froman\fcharset204\fprq2 Cambria Math Cyr;}
{\f661\fbidi \froman\fcharset161\fprq2 Cambria Math Greek;}{\f662\fbidi \froman\fcharset162\fprq2 Cambria Math Tur;}{\f665\fbidi \froman\fcharset186\fprq2 Cambria Math Baltic;}{\f666\fbidi \froman\fcharset163\fprq2 Cambria Math (Vietnamese);}
{\f678\fbidi \froman\fcharset238\fprq2 Cambria CE;}{\f679\fbidi \froman\fcharset204\fprq2 Cambria Cyr;}{\f681\fbidi \froman\fcharset161\fprq2 Cambria Greek;}{\f682\fbidi \froman\fcharset162\fprq2 Cambria Tur;}
{\f685\fbidi \froman\fcharset186\fprq2 Cambria Baltic;}{\f686\fbidi \froman\fcharset163\fprq2 Cambria (Vietnamese);}{\f688\fbidi \fswiss\fcharset238\fprq2 Calibri CE;}{\f689\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr;}
{\f691\fbidi \fswiss\fcharset161\fprq2 Calibri Greek;}{\f692\fbidi \fswiss\fcharset162\fprq2 Calibri Tur;}{\f695\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic;}{\f696\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese);}
{\f698\fbidi \fswiss\fcharset238\fprq2 Tahoma CE;}{\f699\fbidi \fswiss\fcharset204\fprq2 Tahoma Cyr;}{\f701\fbidi \fswiss\fcharset161\fprq2 Tahoma Greek;}{\f702\fbidi \fswiss\fcharset162\fprq2 Tahoma Tur;}
{\f703\fbidi \fswiss\fcharset177\fprq2 Tahoma (Hebrew);}{\f704\fbidi \fswiss\fcharset178\fprq2 Tahoma (Arabic);}{\f705\fbidi \fswiss\fcharset186\fprq2 Tahoma Baltic;}{\f706\fbidi \fswiss\fcharset163\fprq2 Tahoma (Vietnamese);}
{\f707\fbidi \fswiss\fcharset222\fprq2 Tahoma (Thai);}{\flomajor\f31508\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\flomajor\f31509\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\flomajor\f31511\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\flomajor\f31512\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\flomajor\f31513\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}
{\flomajor\f31514\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\flomajor\f31515\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\flomajor\f31516\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}
{\fdbmajor\f31518\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\fdbmajor\f31519\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\fdbmajor\f31521\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}
{\fdbmajor\f31522\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\fdbmajor\f31523\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\fdbmajor\f31524\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}
{\fdbmajor\f31525\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\fdbmajor\f31526\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\fhimajor\f31528\fbidi \froman\fcharset238\fprq2 Cambria CE;}
{\fhimajor\f31529\fbidi \froman\fcharset204\fprq2 Cambria Cyr;}{\fhimajor\f31531\fbidi \froman\fcharset161\fprq2 Cambria Greek;}{\fhimajor\f31532\fbidi \froman\fcharset162\fprq2 Cambria Tur;}
{\fhimajor\f31535\fbidi \froman\fcharset186\fprq2 Cambria Baltic;}{\fhimajor\f31536\fbidi \froman\fcharset163\fprq2 Cambria (Vietnamese);}{\fbimajor\f31538\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}
{\fbimajor\f31539\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\fbimajor\f31541\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fbimajor\f31542\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}
{\fbimajor\f31543\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\fbimajor\f31544\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fbimajor\f31545\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}
{\fbimajor\f31546\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\flominor\f31548\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\flominor\f31549\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\flominor\f31551\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\flominor\f31552\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\flominor\f31553\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}
{\flominor\f31554\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\flominor\f31555\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\flominor\f31556\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}
{\fdbminor\f31558\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\fdbminor\f31559\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\fdbminor\f31561\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}
{\fdbminor\f31562\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\fdbminor\f31563\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\fdbminor\f31564\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}
{\fdbminor\f31565\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\fdbminor\f31566\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\fhiminor\f31568\fbidi \fswiss\fcharset238\fprq2 Calibri CE;}
{\fhiminor\f31569\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr;}{\fhiminor\f31571\fbidi \fswiss\fcharset161\fprq2 Calibri Greek;}{\fhiminor\f31572\fbidi \fswiss\fcharset162\fprq2 Calibri Tur;}
{\fhiminor\f31575\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic;}{\fhiminor\f31576\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese);}{\fbiminor\f31578\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}
{\fbiminor\f31579\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\fbiminor\f31581\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fbiminor\f31582\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}
{\fbiminor\f31583\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\fbiminor\f31584\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fbiminor\f31585\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}
{\fbiminor\f31586\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}}{\colortbl;\red0\green0\blue0;\red0\green0\blue255;\red0\green255\blue255;\red0\green255\blue0;\red255\green0\blue255;\red255\green0\blue0;\red255\green255\blue0;
\red255\green255\blue255;\red0\green0\blue128;\red0\green128\blue128;\red0\green128\blue0;\red128\green0\blue128;\red128\green0\blue0;\red128\green128\blue0;\red128\green128\blue128;\red192\green192\blue192;\red1\green255\blue255;\red255\green255\blue255;
}{\*\defchp \f37 }{\*\defpap \ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 }\noqfpromote {\stylesheet{\ql \li0\ri0\sl280\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 
\ltrch\fcs0 \fs24\lang1044\langfe1045\cgrid\langnp1044\langfenp1045 \snext0 \sqformat \spriority10 Normal;}{\s1\ql \li0\ri0\sb240\sa60\sl320\slmult0\keepn\nowidctlpar\wrapdefault\faauto\outlinelevel0\rin0\lin0\itap0 \rtlch\fcs1 \ab\af1\afs28\alang1025 
\ltrch\fcs0 \b\f1\fs28\lang1044\langfe1045\cgrid\langnp1044\langfenp1045 \sbasedon0 \snext1 \slink15 \sqformat heading 1;}{\s3\ql \li0\ri0\sb240\sa60\sl280\slmult0\keepn\nowidctlpar\wrapdefault\faauto\outlinelevel2\rin0\lin0\itap0 \rtlch\fcs1 
\af1\afs24\alang1025 \ltrch\fcs0 \f1\fs24\lang1044\langfe1045\cgrid\langnp1044\langfenp1045 \sbasedon0 \snext3 \slink16 \sqformat heading 3;}{\*\cs10 \additive \sunhideused \spriority1 Default Paragraph Font;}{\*
\ts11\tsrowd\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblind0\tblindtype3\tsvertalt\tsbrdrt\tsbrdrl\tsbrdrb\tsbrdrr\tsbrdrdgl\tsbrdrdgr\tsbrdrh\tsbrdrv 
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af37\afs20\alang1025 \ltrch\fcs0 \f37\fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \snext11 \ssemihidden \sunhideused Normal Table;}{\*\cs15 
\additive \rtlch\fcs1 \af0 \ltrch\fcs0 \b\f36\fs32\kerning32 \sbasedon10 \slink1 \slocked \spriority9 Overskrift 1 Tegn;}{\*\cs16 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \b\f36\fs26 \sbasedon10 \slink3 \slocked \ssemihidden \spriority9 Overskrift 3 Tegn;}{
\s17\qj \li0\ri0\sl-60\slmult0\nowidctlpar\tx198\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af43\afs4\alang1025 \ltrch\fcs0 \f43\fs4\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext17 2 pkt;}{\s18\qj \fi283\li0\ri0\sl-280\slmult0
\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af43\afs21\alang1025 \ltrch\fcs0 \f43\fs21\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext18 a1 [f/a1/];}{\s19\qj \li0\ri0\sb280\sl-280\slmult0
\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af43\afs21\alang1025 \ltrch\fcs0 \f43\fs21\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext19 a1f [f/a1/f];}{\s20\qj \li0\ri0\sl-280\slmult0
\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af43\afs21\alang1025 \ltrch\fcs0 \f43\fs21\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext20 a1f- [f/a1/f-];}{\s21\qj \fi-283\li283\ri0\sl-280\slmult0\nowidctlpar
\tx283\wrapdefault\faauto\rin0\lin283\itap0 \rtlch\fcs1 \af43\afs21\alang1025 \ltrch\fcs0 \f43\fs21\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext21 a1i [f/a1/i];}{\s22\qj \fi-283\li283\ri0\sl-280\slmult0\nowidctlpar
\tx283\wrapdefault\faauto\rin0\lin283\itap0 \rtlch\fcs1 \af43\afs21\alang1025 \ltrch\fcs0 \f43\fs21\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext22 a1if [f/a1/if];}{\s23\qj \li0\ri0\sl280\slmult0\nowidctlpar
\tx283\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af43\afs21\alang1025 \ltrch\fcs0 \f43\fs21\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext23 a1sf [f/a1/sf];}{\s24\ql \li0\ri0\sl200\slmult0\nowidctlpar
\tx454\tx850\tx7200\tx7920\tx8640\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af44\afs20\alang1025 \ltrch\fcs0 \caps\f44\fs20\expnd2\expndtw10\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext24 a1t [f/a1/t];}{\s25\qr \li0\ri0\sl-600\slmult0
\nowidctlpar\tx198\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af43\afs40\alang1025 \ltrch\fcs0 \f43\fs40\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext25 Alfa;}{\s26\ql \li0\ri0\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 
\rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs20\lang1044\langfe1045\cgrid\langnp1044\langfenp1045 \sbasedon0 \snext26 \slink27 annotation text;}{\*\cs27 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs20 \sbasedon10 \slink26 \slocked \ssemihidden 
Merknadstekst Tegn;}{\s28\ql \li0\ri0\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af0\afs20\alang1025 \ltrch\fcs0 \b\fs20\lang1044\langfe1045\cgrid\langnp1044\langfenp1045 \sbasedon26 \snext28 \slink29 annotation subject;}
{\*\cs29 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \b\f0\fs20 \sbasedon27 \slink28 \slocked \ssemihidden Kommentaremne Tegn;}{\*\cs30 \additive \b\f0\fs20\lang0\langfe1045\langnp0\langfenp1045 \ssemihidden Kommentaremne Tegn1;}{
\s31\ql \li0\ri0\sb600\sl-600\slmult0\nowidctlpar\tx198\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af45\afs48\alang1025 \ltrch\fcs0 \f45\fs48\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext31 Avisoverskrift;}{\*\cs32 \additive 
\b\f0\fs20\lang0\langfe1045\langnp0\langfenp1045 \ssemihidden Comment Subject Char1;}{\*\cs33 \additive \b\f0\fs20\lang0\langfe1045\langnp0\langfenp1045 \ssemihidden Comment Subject Char17;}{\*\cs34 \additive 
\b\f0\fs20\lang0\langfe1045\langnp0\langfenp1045 \ssemihidden Comment Subject Char16;}{\*\cs35 \additive \b\f0\fs20\lang0\langfe1045\langnp0\langfenp1045 \ssemihidden Comment Subject Char15;}{\*\cs36 \additive 
\b\f0\fs20\lang0\langfe1045\langnp0\langfenp1045 \ssemihidden Comment Subject Char14;}{\*\cs37 \additive \b\f0\fs20\lang0\langfe1045\langnp0\langfenp1045 \ssemihidden Comment Subject Char13;}{\*\cs38 \additive 
\b\f0\fs20\lang0\langfe1045\langnp0\langfenp1045 \ssemihidden Comment Subject Char12;}{\*\cs39 \additive \b\f0\fs20\lang0\langfe1045\langnp0\langfenp1045 \ssemihidden Comment Subject Char11;}{\s40\ql \li0\ri0\sb560\sa560\sl280\slmult0\keepn\nowidctlpar
\tx454\tx7200\tx7920\tx8640\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af39\afs24\alang1025 \ltrch\fcs0 \f39\fs24\cf17\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext40 Avsnittsoverskrift;}{\s41\qj \li0\ri0\sl-280\slmult0\nowidctlpar
\tx198\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af46\afs21\alang1025 \ltrch\fcs0 \f46\fs21\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext41 Avistekst;}{\s42\ql \li0\ri0\sl200\slmult0\nowidctlpar
\tx453\tx680\tx7200\tx7920\tx8640\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af2\afs18\alang1025 \ltrch\fcs0 \caps\f2\fs18\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext42 Avsnittstittel;}{\s43\qj \fi283\li0\ri0\sl-280\slmult0\nowidctlpar
\tx198\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af43\afs21\alang1025 \ltrch\fcs0 \f43\fs21\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext43 b1 [f/b1/];}{\s44\qj \li0\ri0\sb280\sl-280\slmult0\nowidctlpar
\tx198\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af43\afs21\alang1025 \ltrch\fcs0 \f43\fs21\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext44 b1f [f/b1/f];}{\s45\qj \li0\ri0\sl-280\slmult0\nowidctlpar
\tx198\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af43\afs21\alang1025 \ltrch\fcs0 \f43\fs21\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext45 b1f- [f/b1/f-];}{\s46\qj \li0\ri0\sl-280\slmult0\nowidctlpar
\tx198\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af43\afs21\alang1025 \ltrch\fcs0 \f43\fs21\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext46 b1f- [f/b1/f];}{\s47\qj \fi-284\li482\ri0\sl-280\slmult0\nowidctlpar
\tx482\wrapdefault\faauto\rin0\lin482\itap0 \rtlch\fcs1 \af43\afs21\alang1025 \ltrch\fcs0 \f43\fs21\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext47 b1i [f/b1/i];}{\s48\qj \fi-284\li482\ri0\sl-280\slmult0\nowidctlpar
\tx482\wrapdefault\faauto\rin0\lin482\itap0 \rtlch\fcs1 \af43\afs21\alang1025 \ltrch\fcs0 \f43\fs21\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext48 b1if [f/b1/if];}{\s49\qj \fi-283\li283\ri0\sl-280\slmult0\nowidctlpar
\tx283\wrapdefault\faauto\rin0\lin283\itap0 \rtlch\fcs1 \af43\afs21\alang1025 \ltrch\fcs0 \f43\fs21\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext49 b1if [f/b1/if] u bullet;}{\s50\ql \li0\ri0\sl200\slmult0
\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af38\afs16\alang1025 \ltrch\fcs0 \f38\fs16\lang1044\langfe1045\cgrid\langnp1044\langfenp1045 \sbasedon0 \snext50 \slink51 Balloon Text;}{\*\cs51 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \f38\fs16 
\sbasedon10 \slink50 \slocked \ssemihidden Bobletekst Tegn;}{\*\cs52 \additive \f0 \slink54 \slocked \ssemihidden Br\'f8dtekst Tegn5;}{\s53\qr \li0\ri0\sl-200\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs16\alang1025 
\ltrch\fcs0 \fs16\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext53 Body;}{\s54\qj \li0\ri0\sl240\slmult0\nowidctlpar\tx454\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1044\langfe1045\cgrid\langnp1044\langfenp1045 \sbasedon0 \snext54 \slink52 Body Text;}{\*\cs55 \additive \rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang1044\langfe1045\langnp1044\langfenp1045 \sbasedon10 \ssemihidden Br\'f8dtekst Tegn;}{\*
\cs56 \additive \rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang0\langfe1045\langnp0\langfenp1045 \sbasedon10 \ssemihidden Br\'f8dtekst Tegn7;}{\*\cs57 \additive \rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang1044\langfe1045\langnp1044\langfenp1045 
\sbasedon10 \ssemihidden Br\'f8dtekst Tegn6;}{\*\cs58 \additive \rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang0\langfe1045\langnp0\langfenp1045 \sbasedon10 \ssemihidden Body Text Char;}{\*\cs59 \additive \rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang0\langfe1045\langnp0\langfenp1045 \sbasedon10 \ssemihidden Br\'f8dtekst Tegn3;}{\*\cs60 \additive \rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang0\langfe1045\langnp0\langfenp1045 \sbasedon10 \ssemihidden Br\'f8dtekst Tegn4;}{\*\cs61 
\additive \rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang0\langfe1045\langnp0\langfenp1045 \sbasedon10 \ssemihidden Body Text Char3;}{\*\cs62 \additive \rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang0\langfe1045\langnp0\langfenp1045 
\sbasedon10 \ssemihidden Body Text Char10;}{\*\cs63 \additive \rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang0\langfe1045\langnp0\langfenp1045 \sbasedon10 \ssemihidden Body Text Char9;}{\*\cs64 \additive \rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang0\langfe1045\langnp0\langfenp1045 \sbasedon10 \ssemihidden Body Text Char8;}{\*\cs65 \additive \rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang0\langfe1045\langnp0\langfenp1045 \sbasedon10 \ssemihidden Body Text Char7;}{\*\cs66 \additive 
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang0\langfe1045\langnp0\langfenp1045 \sbasedon10 \ssemihidden Body Text Char6;}{\*\cs67 \additive \rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang0\langfe1045\langnp0\langfenp1045 \sbasedon10 \ssemihidden 
Body Text Char5;}{\*\cs68 \additive \rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang0\langfe1045\langnp0\langfenp1045 \sbasedon10 \ssemihidden Body Text Char4;}{\*\cs69 \additive \rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang0\langfe1045\langnp0\langfenp1045 \sbasedon10 \ssemihidden Br\'f8dtekst Tegn2;}{\*\cs70 \additive \rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang0\langfe1045\langnp0\langfenp1045 \sbasedon10 \ssemihidden Body Text Char1;}{\*\cs71 \additive 
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang0\langfe1045\langnp0\langfenp1045 \sbasedon10 \ssemihidden Body Text Char2;}{\*\cs72 \additive \rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang1044\langfe0\langnp1044\langfenp0 \sbasedon10 \ssemihidden 
Br\'f8dtekst Tegn1;}{\*\cs73 \additive \rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang1044\langfe0\langnp1044\langfenp0 \sbasedon10 \ssemihidden Br\'f8dtekst Tegn12;}{\*\cs74 \additive \f0\fs24\lang1044\langfe0\langnp1044\langfenp0 \ssemihidden 
Br\'f8dtekst Tegn11;}{\s75\ql \fi-283\li283\ri0\sl280\slmult0\nowidctlpar\tx283\wrapdefault\faauto\rin0\lin283\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext75 Bulleted;}{
\s76\qj \li0\ri0\sl-60\slmult0\nowidctlpar\tx198\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af43\afs4\alang1025 \ltrch\fcs0 \f43\fs4\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext76 Blankside;}{\s77\qj \li0\ri0\sl240\slmult0\nowidctlpar
\tx454\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \fs22\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext77 Br\'f8dtekst1;}{\s78\qj \li454\ri0\sl220\slmult0\nowidctlpar
\tx680\tx850\tx7200\tx7920\tx8640\wrapdefault\faauto\rin0\lin454\itap0 \rtlch\fcs1 \af1\afs20\alang1025 \ltrch\fcs0 \f1\fs20\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext78 Br\'afdtekst figur/tabe;}{\s79\ql \li0\ri0\sl280\slmult0
\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext79 CellBody;}{\s80\qc \li0\ri0\sl280\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 
\rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext80 CellHeading;}{\s81\qj \fi198\li0\ri0\sl-280\slmult0\nowidctlpar\tx198\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af43\afs21\alang1025 
\ltrch\fcs0 \f43\fs21\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext81 Eksempel b1;}{\s82\qj \li0\ri0\sl-280\slmult0\nowidctlpar\tx198\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af43\afs21\alang1025 \ltrch\fcs0 
\f43\fs21\expndtw-2\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext82 Eksempel b1-;}{\s83\ql \li0\ri0\sl220\slmult0\nowidctlpar\tx453\tx850\tx7200\tx7920\tx8640\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af2\afs18\alang1025 \ltrch\fcs0 
\caps\f2\fs18\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext83 Eksempel  tittel  br\'f8dtekst;}{\s84\qr \li0\ri0\sb100\sl-220\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af42\afs18\alang1025 \ltrch\fcs0 
\f42\fs18\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext84 f1k [f/f1/k];}{\s85\qj \li454\ri0\sl180\slmult0\nowidctlpar\tx454\tx850\tx7200\tx7920\tx8640\wrapdefault\faauto\rin0\lin454\itap0 \rtlch\fcs1 \af0\afs16\alang1025 \ltrch\fcs0 
\caps\fs16\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext85 Figur/tabell/PA;}{\s86\ql \li0\ri0\sl280\slmult0\nowidctlpar\tqc\tx4153\tqr\tx7937\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1044\langfe1045\cgrid\langnp1044\langfenp1045 \sbasedon0 \snext86 \slink87 footer;}{\*\cs87 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \f0 \sbasedon10 \slink86 \slocked \ssemihidden Bunntekst Tegn;}{\s88\ql \fi-284\li567\ri283\sl240\slmult0
\nowidctlpar\tx567\wrapdefault\faauto\rin283\lin567\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs20\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext88 Footnote;}{\s89\ql \fi-567\li567\ri0\sb280\sa280\sl280\slmult0\nowidctlpar
\tx567\wrapdefault\faauto\rin0\lin567\itap0 \rtlch\fcs1 \af47\afs21\alang1025 \ltrch\fcs0 \f47\fs21\cf17\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext89 formel;}{\s90\ql \fi-283\li283\ri0\sb280\sa280\sl280\slmult0\nowidctlpar
\tx283\wrapdefault\faauto\rin0\lin283\itap0 \rtlch\fcs1 \af47\afs21\alang1025 \ltrch\fcs0 \f47\fs21\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext90 formel losning;}{\s91\ql \li567\ri0\sb160\sa280\sl280\slmult0\nowidctlpar
\tx283\wrapdefault\faauto\rin0\lin567\itap0 \rtlch\fcs1 \af43\afs21\alang1025 \ltrch\fcs0 \f43\fs21\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext91 formel u nr;}{\s92\qr \li0\ri0\sl280\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 
\rtlch\fcs1 \af47\afs21\alang1025 \ltrch\fcs0 \f47\fs21\cf17\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext92 Formelnummer punktliste;}{\s93\qj \li0\ri0\sl-260\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 
\af48\afs20\alang1025 \ltrch\fcs0 \f48\fs20\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext93 h1f [f/h1/f];}{\s94\qj \li0\ri0\sl-260\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af48\afs20\alang1025 \ltrch\fcs0 
\f48\fs20\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext94 h1f- [f/h1/f-];}{\s95\ql \li0\ri0\sl280\slmult0\nowidctlpar\tqc\tx4153\tqr\tx7937\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1044\langfe1045\cgrid\langnp1044\langfenp1045 \sbasedon0 \snext95 \slink96 header;}{\*\cs96 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \f0 \sbasedon10 \slink95 \slocked \ssemihidden Topptekst Tegn;}{\s97\ql \li0\ri0\sb280\sa120\sl320\slmult0
\keepn\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af0\afs28\alang1025 \ltrch\fcs0 \b\fs28\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext97 Heading1;}{\s98\ql \li0\ri0\sb240\sa60\sl280\slmult0
\keepn\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext98 Heading2;}{\s99\ql \li0\ri0\sb120\sl280\slmult0
\keepn\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext99 HeadingRunIn;}{\s100\ql \li283\ri0\sl280\slmult0\nowidctlpar
\tx283\wrapdefault\faauto\rin0\lin283\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext100 Indented;}{\s101\ql \li0\ri0\sl-260\slmult0\nowidctlpar\tx283\wrapdefault\faauto\rin0\lin0\itap0 
\rtlch\fcs1 \af42\afs20\alang1025 \ltrch\fcs0 \f42\fs20\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext101 k1f- [f/k1/f-];}{\s102\ql \li0\ri0\sl-260\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af47\afs20\alang1025 
\ltrch\fcs0 \b\f47\fs20\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext102 k1t [f/k1/t];}{\s103\qj \li0\ri0\sl-60\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af41\afs4\alang1025 \ltrch\fcs0 
\f41\fs4\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext103 kd [s/k/d];}{\s104\qr \fi425\li0\ri0\sb1980\sl-680\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af40\afs56\alang1025 \ltrch\fcs0 
\f40\fs56\cf3\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext104 kn [s/k/n];}{\s105\ql \fi-794\li794\ri0\sb1980\sa1360\sl680\slmult0\keepn\nowidctlpar\tqr\tx567\tx794\wrapdefault\faauto\rin0\lin794\itap0 \rtlch\fcs1 \af40\afs56\alang1025 
\ltrch\fcs0 \f40\fs56\cf17\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext105 kt;}{\s106\ql \li0\ri0\sb1980\sa1360\sl680\slmult0\keepn\nowidctlpar\tqr\tx567\tx794\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af40\afs56\alang1025 \ltrch\fcs0 
\f40\fs56\cf17\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext106 kt [s/k/t];}{\s107\qj \li0\ri0\sb300\sl-280\slmult0\nowidctlpar\tx198\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ai\af43\afs21\alang1025 \ltrch\fcs0 
\i\f43\fs21\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext107 l1f [f/l1/f];}{\s108\qj \li0\ri0\sl-280\slmult0\nowidctlpar\tx283\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af42\afs21\alang1025 \ltrch\fcs0 
\f42\fs21\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext108 Losning bi;}{\s109\ql \fi-794\li794\ri0\sb960\sl480\slmult0\keepn\nowidctlpar\tqr\tx567\tx794\wrapdefault\faauto\rin0\lin794\itap0 \rtlch\fcs1 \af40\afs40\alang1025 \ltrch\fcs0 
\f40\fs40\cf17\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext109 m1;}{\s110\ql \fi-794\li794\ri0\sb960\sl480\slmult0\keepn\nowidctlpar\tqr\tx567\tx794\wrapdefault\faauto\rin0\lin794\itap0 \rtlch\fcs1 \af40\afs40\alang1025 \ltrch\fcs0 
\f40\fs40\cf3\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext110 m1 [m/m/1];}{\s111\ql \fi-794\li794\ri0\sb760\sl380\slmult0\keepn\nowidctlpar\tqr\tx567\tx794\wrapdefault\faauto\rin0\lin794\itap0 \rtlch\fcs1 \af40\afs32\alang1025 \ltrch\fcs0 
\f40\fs32\cf17\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext111 m2 [m/m/2];}{\s112\qj \li0\ri0\sb280\sa280\sl-280\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\cf6\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext112 m6 [m/m/6];}{\s113\qj \li0\ri0\sb40\sl-240\slmult0\nowidctlpar\tx198\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af42\afs20\alang1025 \ltrch\fcs0 
\f42\fs20\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext113 mf [m/m/f];}{\s114\qj \li0\ri0\sb240\sl-240\slmult0\nowidctlpar\tx198\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af42\afs20\alang1025 \ltrch\fcs0 
\f42\fs20\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext114 mt;}{\s115\qj \li0\ri0\sb240\sl-240\slmult0\nowidctlpar\tx198\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af42\afs20\alang1025 \ltrch\fcs0 
\f42\fs20\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext115 mt [m/m/t];}{\s116\qj \li0\ri0\sl-240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af42\afs20\alang1025 \ltrch\fcs0 
\f42\fs20\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext116 mt- [m/m/t-];}{\s117\ql \li0\ri0\sl-220\slmult0\nowidctlpar\tx198\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af42\afs18\alang1025 \ltrch\fcs0 
\f42\fs18\cf17\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext117 nettadresse;}{\s118\ql \fi-283\li283\ri0\sl280\slmult0\nowidctlpar\tx283\wrapdefault\faauto\rin0\lin283\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext118 Numbered;}{\s119\ql \fi-283\li283\ri0\sl280\slmult0\nowidctlpar\tx283\wrapdefault\faauto\rin0\lin283\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext119 Numbered1;}{\s120\qj \fi283\li0\ri0\sl-280\slmult0\nowidctlpar\tx198\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af42\afs21\alang1025 \ltrch\fcs0 
\f42\fs21\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext120 Oppgave b1;}{\s121\qj \li0\ri0\sb280\sl-280\slmult0\nowidctlpar\tx198\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af42\afs21\alang1025 \ltrch\fcs0 
\f42\fs21\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext121 Oppgave b1f;}{\s122\qj \li0\ri0\sl-280\slmult0\nowidctlpar\tx198\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af42\afs21\alang1025 \ltrch\fcs0 
\f42\fs21\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext122 Oppgave b1f-;}{\s123\qj \fi-283\li283\ri0\sl-280\slmult0\nowidctlpar\tx283\wrapdefault\faauto\rin0\lin283\itap0 \rtlch\fcs1 \af42\afs21\alang1025 \ltrch\fcs0 
\f42\fs21\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext123 Oppgave bi;}{\s124\qj \fi-284\li567\ri0\sl-280\slmult0\nowidctlpar\tx567\wrapdefault\faauto\rin0\lin567\itap0 \rtlch\fcs1 \af42\afs21\alang1025 \ltrch\fcs0 
\f42\fs21\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext124 Oppgave bi nivaa 2;}{\s125\qr \li0\ri0\sb280\sa560\sl280\slmult0\keepn\nowidctlpar\tx454\tx7200\tx7920\tx8640\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af44\afs24\alang1025 
\ltrch\fcs0 \f44\fs24\cf17\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext125 oppgavenummer;}{\s126\qr \li0\ri0\sb280\sa560\sl280\slmult0\keepn\nowidctlpar\tx454\tx7200\tx7920\tx8640\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 
\af44\afs24\alang1025 \ltrch\fcs0 \f44\fs24\cf17\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext126 oppgavenummer1;}{\s127\qj \li0\ri0\sl-360\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af49\afs40\alang1025 \ltrch\fcs0 
\f49\fs40\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext127 p1f [f/p1/f];}{\s128\ql \li0\ri0\sl240\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af2\afs20\alang1025 \ltrch\fcs0 
\f2\fs20\lang1044\langfe1045\cgrid\langnp1044\langfenp1045 \sbasedon0 \snext128 \slink129 Plain Text;}{\*\cs129 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \f2\fs20 \sbasedon10 \slink128 \slocked \ssemihidden Ren tekst Tegn;}{\s130\ql \li0\ri0\sl-240\slmult0
\nowidctlpar\tx198\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af37\afs20\alang1025 \ltrch\fcs0 \f37\fs20\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext130 Regneark;}{\s131\qr \li0\ri0\sl-240\slmult0\nowidctlpar
\tx198\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af37\afs20\alang1025 \ltrch\fcs0 \f37\fs20\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext131 Regneark tall;}{\s132\qc \li0\ri0\sl-240\slmult0\nowidctlpar
\tx198\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \ab\af37\afs20\alang1025 \ltrch\fcs0 \b\f37\fs20\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext132 Regneark titler;}{\s133\qj \li567\ri0\sb300\sl-280\slmult0\nowidctlpar
\tx198\wrapdefault\faauto\rin0\lin567\itap0 \rtlch\fcs1 \ai\af43\afs21\alang1025 \ltrch\fcs0 \i\f43\fs21\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext133 s1f [f/s1/f];}{\s134\qr \li0\ri0\sl-260\slmult0\nowidctlpar
\tx198\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af42\afs20\alang1025 \ltrch\fcs0 \f42\fs20\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext134 Tabell hoyre;}{\s135\ql \fi-284\li567\ri283\sl240\slmult0\nowidctlpar
\tx567\wrapdefault\faauto\rin283\lin567\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs20\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext135 TableFootnote;}{\s136\qc \li0\ri0\sl280\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 
\rtlch\fcs1 \ab\af0\afs24\alang1025 \ltrch\fcs0 \b\fs24\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext136 TableTitle;}{\s137\qc \li0\ri0\sb480\sa240\sl480\slmult0\keepn\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 
\ab\af0\afs36\alang1025 \ltrch\fcs0 \b\fs36\lang1044\langfe1045\cgrid\langnp1044\langfenp1045 \sbasedon0 \snext137 \slink138 \sqformat Title;}{\*\cs138 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \b\f36\fs32\kerning28 
\sbasedon10 \slink137 \slocked \spriority10 Tittel Tegn;}{\s139\qj \li0\ri0\sl-280\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext139 
xk1h [x/xk1/h];}{\s140\qj \li0\ri0\sl-280\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext140 xk1v [x/xk1/v];}{
\s141\qj \li0\ri0\sl-280\slmult0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext141 xp1h [x/xp1/h];}{\s142\qj \li0\ri0\sl-280\slmult0
\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext142 xp1v [x/xp1/v];}{\s143\qj \li0\ri0\sl-280\slmult0
\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext143 zk1f [z/zk1/f];}{\s144\qj \li0\ri0\sl-280\slmult0
\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext144 zk1f- [z/zk1/f-];}{\s145\qj \li0\ri0\sl-280\slmult0
\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext145 zt1f [z/zt1/f];}{\s146\qj \li0\ri0\sl-280\slmult0
\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext146 zt1p [z/zt1/p];}{\s147\qj \li0\ri0\sl-280\slmult0
\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext147 zt1t [z/zt1/t];}{\s148\qj \li0\ri0\sl-280\slmult0
\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext148 zt1u [z/zt1/u];}{\s149\qj \li0\ri0\sl-280\slmult0
\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext149 zt1x [z/zt1/x];}{\s150\qj \li0\ri0\sl-280\slmult0
\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext150 zt2f [z/zt2/f];}{\s151\qj \li0\ri0\sl-280\slmult0
\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext151 zt2p [z/zt2/p];}{\s152\qj \li0\ri0\sl-280\slmult0
\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext152 zt2t [z/zt2/t];}{\s153\qj \li0\ri0\sl-280\slmult0
\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext153 zt2u [z/zt2/u];}{\s154\qj \li0\ri0\sl-280\slmult0
\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext154 zt2x [z/zt2/x];}{\s155\ql \li0\ri0\sl200\slmult0\nowidctlpar
\tx454\tx850\tx7200\tx7920\tx8640\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af44\afs20\alang1025 \ltrch\fcs0 \caps\f44\fs20\expnd2\expndtw10\cf8\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext155 Eksempeltittel;}{
\s156\ql \li0\ri0\sl-260\slmult0\nowidctlpar\tx198\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af42\afs20\alang1025 \ltrch\fcs0 \f42\fs20\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext156 Tabell venstre;}{\s157\qj \li0\ri0\sl-280\slmult0
\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext157 Mapping Table Title;}{\s158\ql \li0\ri0\sl-280\slmult0
\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext158 Mapping Table Cell;}{\s159\qj \li0\ri0\sl-280\slmult0
\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 \snext159 2pt;}{\*\cs160 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \fs16\cf1 \sbasedon10 
annotation reference;}{\*\cs161 \additive \cf17 Bokfarge;}{\*\cs162 \additive \f3\fs22\cf1 Bullet1;}{\*\cs163 \additive \f2\fs22\cf1 Bullet2;}{\*\cs164 \additive \f3\fs22\cf1 Bullet3;}{\*\cs165 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \i 
\sbasedon10 \sqformat Emphasis;}{\*\cs166 \additive \i EquationVariables;}{\*\cs167 \additive \b Fet;}{\*\cs168 \additive \b\caps\f37\fs20\cf1 Fet regneark;}{\*\cs169 \additive \caps\f44\fs19\cf1 Fet tabell;}{\*\cs170 \additive \rtlch\fcs1 \af0 
\ltrch\fcs0 \i\f43\fs21\cf1 \sbasedon10 Hyperlink;}{\*\cs171 \additive \i Italic;}{\*\cs172 \additive \i\dn3 ItalicSubscript;}{\*\cs173 \additive \cf6 Kommentar;}{\*\cs174 \additive \b\f42\fs21\cf1 Oppgave a  b  c ...;}{\*\cs175 \additive \rtlch\fcs1 
\af0 \ltrch\fcs0 \cf1 \sbasedon10 page number;}{\*\cs176 \additive \dn3 Subscript;}{\*\cs177 \additive \up3 Superscript;}{\*\cs178 \additive \f50 SymbolPS;}{\*\cs179 \additive \ul UnderlineSingle;}{\s180\ql \fi283\li0\ri0\sl360\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs22\lang1024\langfe1024\cgrid\noproof\langnp1044\langfenp1044 \snext180 \slink181 \spriority0 \styrsid9315718 Br\'f8d1/ [f/b1/];}{\*
\cs181 \additive \f0\fs20\lang1024\langfe1024\noproof\langfenp1044 \slink180 \slocked \spriority0 \styrsid9315718 Br\'f8d1/ [f/b1/] Char;}{\*\cs182 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \ul\cf12 \sbasedon10 \styrsid15091998 FollowedHyperlink;}{
\s183\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1044\langfe1045\cgrid\langnp1044\langfenp1045 \snext183 \shidden \ssemihidden \styrsid10880590 Revision;}{\*
\ts184\tsrowd\trbrdrt\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblind0\tblindtype3\tsvertalt\tsbrdrt\tsbrdrl\tsbrdrb\tsbrdrr\tsbrdrdgl\tsbrdrdgr\tsbrdrh\tsbrdrv 
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \f37\fs20\lang1044\langfe1033\cgrid\langnp1044\langfenp1033 \sbasedon11 \snext184 \spriority59 \styrsid6229988 Table Grid;}}
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\rsid12002082\rsid12021325\rsid12021674\rsid12059228\rsid12063159\rsid12146542\rsid12195480\rsid12216168\rsid12278699\rsid12287491\rsid12458178\rsid12460270\rsid12475031\rsid12523366\rsid12675163\rsid12848488\rsid12857983\rsid12866105\rsid12869007
\rsid12930749\rsid12988894\rsid12994404\rsid13052358\rsid13173647\rsid13261116\rsid13331263\rsid13332993\rsid13333047\rsid13450683\rsid13452674\rsid13509306\rsid13585403\rsid13706925\rsid13708087\rsid13712866\rsid13837414\rsid13900338\rsid13920712
\rsid14031011\rsid14092274\rsid14119769\rsid14158450\rsid14166850\rsid14242129\rsid14291980\rsid14379475\rsid14379914\rsid14418715\rsid14421455\rsid14499734\rsid14560768\rsid14577759\rsid14581389\rsid14640046\rsid14681549\rsid14691836\rsid14766592
\rsid14772984\rsid14837126\rsid14952997\rsid14970104\rsid15039610\rsid15078935\rsid15079939\rsid15091998\rsid15149538\rsid15169087\rsid15215658\rsid15271891\rsid15287549\rsid15298843\rsid15418370\rsid15431926\rsid15484048\rsid15553147\rsid15557729
\rsid15558700\rsid15674860\rsid15815186\rsid15822386\rsid15866125\rsid15875504\rsid15925510\rsid15928544\rsid15956923\rsid16021632\rsid16056807\rsid16061364\rsid16197322\rsid16198239\rsid16199136\rsid16208123\rsid16257449\rsid16386942\rsid16465524
\rsid16532835\rsid16646226\rsid16652192\rsid16661280\rsid16727992\rsid16743597}{\mmathPr\mmathFont34\mbrkBin0\mbrkBinSub0\msmallFrac0\mdispDef1\mlMargin0\mrMargin0\mdefJc1\mwrapIndent1440\mintLim0\mnaryLim1}{\info{\author PIG}
{\doccomm DCL filter dwrtf, Ver 3.3 m206 r292}{\operator Malgorzata Golinska}{\creatim\yr2015\mo11\dy23\hr14\min40}{\revtim\yr2015\mo11\dy23\hr14\min58}{\version3}{\edmins1}{\nofpages4}{\nofwords888}{\nofchars5067}{\*\company Norges Handelsh\'f8yskole}
{\nofcharsws5944}{\vern49167}}{\*\userprops {\propname MTWinEqns}\proptype11{\staticval 1}}{\*\xmlnstbl {\xmlns1 http://schemas.microsoft.com/office/word/2003/wordml}}\paperw9638\paperh13606\margl850\margr851\margt1020\margb1417\gutter0\ltrsect 
\facingp\deftab0\widowctrl\ftnbj\aenddoc\pgnstart115\hyphhotz425\trackmoves0\trackformatting1\donotembedsysfont0\relyonvml0\donotembedlingdata1\grfdocevents0\validatexml0\showplaceholdtext0\ignoremixedcontent0
\saveinvalidxml0\showxmlerrors0\notabind\sprsspbf\horzdoc\dghspace120\dgvspace120\dghorigin1701\dgvorigin1984\dghshow0\dgvshow3\jcompress\viewkind1\viewscale140\rsidroot6310241\viewbksp1 \fet0{\*\wgrffmtfilter 2450}\ilfomacatclnup0\ltrpar \sectd \ltrsect
\pgnrestart\pgnstarts115\linex0\headery708\footery708\colsx708\sectdefaultcl\sftnbj {\*\pnseclvl1\pnucrm\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl2\pnucltr\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl3\pndec\pnstart1\pnindent720\pnhang 
{\pntxta .}}{\*\pnseclvl4\pnlcltr\pnstart1\pnindent720\pnhang {\pntxta )}}{\*\pnseclvl5\pndec\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl6\pnlcltr\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl7
\pnlcrm\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl8\pnlcltr\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl9\pnlcrm\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}\pard\plain \ltrpar
\s111\ql \li0\ri0\sb560\sl380\slmult0\keepn\widctlpar\tqr\tx567\tx794\wrapdefault\faauto\rin0\lin0\itap0\pararsid6443712 \rtlch\fcs1 \af40\afs32\alang1025 \ltrch\fcs0 \f40\fs32\cf17\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 {\rtlch\fcs1 \af40 
\ltrch\fcs0 \lang1044\langfe1045\langnp1044\insrsid14837126\charrsid15418370 Forskuddsannuitet
\par }\pard\plain \ltrpar\s45\qj \li0\ri0\sl280\slmult0\widctlpar\tx198\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af43\afs21\alang1025 \ltrch\fcs0 \f43\fs21\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 Hittil har vi konsekvent behandlet etterskuddsannuiteter. Dette er alts\'e5 kontantstr\'f8mmer over }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\i\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 T}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512  perioder der f\'f8rste inn- eller utbetaling kommer p\'e5
 tidspunkt 1 (ved slutten av f\'f8rste periode). Ved en }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 forskuddsannuitet}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 , derimot, kommer f\'f8rste kontantstr\'f8mseffekt p\'e5 tidspunkt }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 0}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 . Den prinsipielle forskjellen mellom de to annuitets}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid8928037\charrsid1603512 typene fremg\'e5
r av tabell 3.40}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid15925510\charrsid1603512 . Tabellen}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 
 viser at du kan lage en forskuddsannuitet ved \'e5 flytte alle kontantstr\'f8mselementene i etterskuddsannuiteten ett tidspunkt fremover i tid. Derfor er det bare en eneste forskjell mellom de to kontantstr\'f8mmene: Etterskuddsannuiteten gir }{
\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 0}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512  p\'e5 tidspunkt null og }{\rtlch\fcs1 \ai\af0 
\ltrch\fcs0 \i\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 X}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512  p\'e5 tidspunkt }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\i\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 T}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 , mens forskuddsvarianten gir }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\i\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 X}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512  p\'e5 tidspunkt null og }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\i\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 0}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512  p\'e5 tidspunkt }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\i\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 T}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 .
\par }\pard\plain \ltrpar\s115\qj \li0\ri0\sl240\slmult0\widctlpar\tx198\wrapdefault\faauto\rin0\lin0\itap0\pararsid12460270 \rtlch\fcs1 \af42\afs20\alang1025 \ltrch\fcs0 \f42\fs20\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 {\rtlch\fcs1 \af44\afs19 
\ltrch\fcs0 \caps\f44\fs19\lang1044\langfe1045\langnp1044\insrsid12460270\charrsid15418370 
\par }{\rtlch\fcs1 \af0\afs19 \ltrch\fcs0 \caps\f0\fs19\lang1044\langfe1045\langnp1044\insrsid8928037\charrsid1603512 Tabell 3.40}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 
: Etterskuddsannuitet kontra forskuddsannuitet
\par }\pard\plain \ltrpar\ql \li0\ri0\sl-120\slmult0\widctlpar\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1044\langfe1045\cgrid\langnp1044\langfenp1045 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14837126\charrsid15418370 \~
\par \ltrrow}\trowd \irow0\irowband0\ltrrow\ts11\trrh360\trleft0\trftsWidth1\tblrsid6310241\tblind8\tblindtype3 \clvertalt\clbrdrt\brdrs\brdrw15\brdrcf4 \clbrdrl\brdrs\brdrw15\brdrcf4 \clbrdrb\brdrs\brdrw15 \clbrdrr\brdrs\brdrw15 
\clcfpat8\cltxlrtb\clftsWidth3\clwWidth1884\clcfpatraw8 \cellx1884\clvertalt\clbrdrt\brdrs\brdrw15\brdrcf4 \clbrdrl\brdrs\brdrw15 \clbrdrb\brdrs\brdrw15 \clbrdrr\brdrs\brdrw15\brdrcf4 \clcfpat8\cltxlrtb\clftsWidth3\clwWidth5262\clcfpatraw8 \cellx7146
\pard\plain \ltrpar\s101\ql \li0\ri0\sl260\slmult0\widctlpar\intbl\tx0\tx283\wrapdefault\faauto\rin0\lin0 \rtlch\fcs1 \af42\afs20\alang1025 \ltrch\fcs0 \f42\fs20\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 \cell }\pard \ltrpar\s101\qc \li80\ri80\sb110\sa50\sl260\slmult0\widctlpar\intbl\tx0\tx363\wrapdefault\faauto\rin80\lin80 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 Tidspunkt\cell }\pard\plain \ltrpar\ql \li0\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1044\langfe1045\cgrid\langnp1044\langfenp1045 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6310241\charrsid1603512 \trowd \irow0\irowband0\ltrrow\ts11\trrh360\trleft0\trftsWidth1\tblrsid6310241\tblind8\tblindtype3 \clvertalt\clbrdrt
\brdrs\brdrw15\brdrcf4 \clbrdrl\brdrs\brdrw15\brdrcf4 \clbrdrb\brdrs\brdrw15 \clbrdrr\brdrs\brdrw15 \clcfpat8\cltxlrtb\clftsWidth3\clwWidth1884\clcfpatraw8 \cellx1884\clvertalt\clbrdrt\brdrs\brdrw15\brdrcf4 \clbrdrl\brdrs\brdrw15 \clbrdrb\brdrs\brdrw15 
\clbrdrr\brdrs\brdrw15\brdrcf4 \clcfpat8\cltxlrtb\clftsWidth3\clwWidth5262\clcfpatraw8 \cellx7146\row \ltrrow}\trowd \irow1\irowband1\ltrrow\ts11\trrh360\trleft0\trftsWidth1\tblind8\tblindtype3 \clvertalt\clbrdrt\brdrnone \clbrdrl\brdrs\brdrw15\brdrcf4 
\clbrdrb\brdrs\brdrw15 \clbrdrr\brdrs\brdrw15 \clcfpat8\cltxlrtb\clftsWidth3\clwWidth1884\clcfpatraw8 \cellx1884\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrs\brdrw15 \clbrdrb\brdrs\brdrw15 \clbrdrr\brdrs\brdrw15 
\clcfpat8\cltxlrtb\clftsWidth3\clwWidth877\clcfpatraw8 \cellx2761\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrs\brdrw15 \clbrdrb\brdrs\brdrw15 \clbrdrr\brdrs\brdrw15 \clcfpat8\cltxlrtb\clftsWidth3\clwWidth877\clcfpatraw8 \cellx3638\clvertalt\clbrdrt\brdrnone 
\clbrdrl\brdrs\brdrw15 \clbrdrb\brdrs\brdrw15 \clbrdrr\brdrs\brdrw15 \clcfpat8\cltxlrtb\clftsWidth3\clwWidth877\clcfpatraw8 \cellx4515\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrs\brdrw15 \clbrdrb\brdrs\brdrw15 \clbrdrr\brdrs\brdrw15 
\clcfpat8\cltxlrtb\clftsWidth3\clwWidth877\clcfpatraw8 \cellx5392\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrs\brdrw15 \clbrdrb\brdrs\brdrw15 \clbrdrr\brdrs\brdrw15 \clcfpat8\cltxlrtb\clftsWidth3\clwWidth877\clcfpatraw8 \cellx6269\clvertalt\clbrdrt\brdrnone 
\clbrdrl\brdrs\brdrw15 \clbrdrb\brdrs\brdrw15 \clbrdrr\brdrs\brdrw15\brdrcf4 \clcfpat8\cltxlrtb\clftsWidth3\clwWidth877\clcfpatraw8 \cellx7146\pard\plain \ltrpar\s101\ql \li0\ri0\sl260\slmult0\widctlpar\intbl\tx0\tx283\wrapdefault\faauto\rin0\lin0 
\rtlch\fcs1 \af42\afs20\alang1025 \ltrch\fcs0 \f42\fs20\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 \cell }\pard \ltrpar
\s101\qc \li80\ri80\sb110\sa50\sl260\slmult0\widctlpar\intbl\tx0\tx363\wrapdefault\faauto\rin80\lin80 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 0\cell 1\cell 2\cell ...\cell }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 T\endash 1\cell T\cell }\pard\plain \ltrpar\ql \li0\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1044\langfe1045\cgrid\langnp1044\langfenp1045 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14837126\charrsid1603512 \trowd \irow1\irowband1\ltrrow\ts11\trrh360\trleft0\trftsWidth1\tblind8\tblindtype3 \clvertalt\clbrdrt\brdrnone \clbrdrl
\brdrs\brdrw15\brdrcf4 \clbrdrb\brdrs\brdrw15 \clbrdrr\brdrs\brdrw15 \clcfpat8\cltxlrtb\clftsWidth3\clwWidth1884\clcfpatraw8 \cellx1884\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrs\brdrw15 \clbrdrb\brdrs\brdrw15 \clbrdrr\brdrs\brdrw15 
\clcfpat8\cltxlrtb\clftsWidth3\clwWidth877\clcfpatraw8 \cellx2761\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrs\brdrw15 \clbrdrb\brdrs\brdrw15 \clbrdrr\brdrs\brdrw15 \clcfpat8\cltxlrtb\clftsWidth3\clwWidth877\clcfpatraw8 \cellx3638\clvertalt\clbrdrt\brdrnone 
\clbrdrl\brdrs\brdrw15 \clbrdrb\brdrs\brdrw15 \clbrdrr\brdrs\brdrw15 \clcfpat8\cltxlrtb\clftsWidth3\clwWidth877\clcfpatraw8 \cellx4515\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrs\brdrw15 \clbrdrb\brdrs\brdrw15 \clbrdrr\brdrs\brdrw15 
\clcfpat8\cltxlrtb\clftsWidth3\clwWidth877\clcfpatraw8 \cellx5392\clvertalt\clbrdrt\brdrnone \clbrdrl\brdrs\brdrw15 \clbrdrb\brdrs\brdrw15 \clbrdrr\brdrs\brdrw15 \clcfpat8\cltxlrtb\clftsWidth3\clwWidth877\clcfpatraw8 \cellx6269\clvertalt\clbrdrt\brdrnone 
\clbrdrl\brdrs\brdrw15 \clbrdrb\brdrs\brdrw15 \clbrdrr\brdrs\brdrw15\brdrcf4 \clcfpat8\cltxlrtb\clftsWidth3\clwWidth877\clcfpatraw8 \cellx7146\row \ltrrow}\trowd \irow2\irowband2\ltrrow\ts11\trrh360\trleft0\trftsWidth1\tblind8\tblindtype3 \clvertalt
\clbrdrt\brdrs\brdrw15 \clbrdrl\brdrs\brdrw15\brdrcf4 \clbrdrb\brdrs\brdrw15 \clbrdrr\brdrs\brdrw15 \clcfpat8\cltxlrtb\clftsWidth3\clwWidth1884\clcfpatraw8 \cellx1884\clvertalt\clbrdrt\brdrs\brdrw15 \clbrdrl\brdrs\brdrw15 \clbrdrb\brdrs\brdrw15 \clbrdrr
\brdrs\brdrw15 \clcfpat8\cltxlrtb\clftsWidth3\clwWidth877\clcfpatraw8 \cellx2761\clvertalt\clbrdrt\brdrs\brdrw15 \clbrdrl\brdrs\brdrw15 \clbrdrb\brdrs\brdrw15 \clbrdrr\brdrs\brdrw15 \clcfpat8\cltxlrtb\clftsWidth3\clwWidth877\clcfpatraw8 \cellx3638
\clvertalt\clbrdrt\brdrs\brdrw15 \clbrdrl\brdrs\brdrw15 \clbrdrb\brdrs\brdrw15 \clbrdrr\brdrs\brdrw15 \clcfpat8\cltxlrtb\clftsWidth3\clwWidth877\clcfpatraw8 \cellx4515\clvertalt\clbrdrt\brdrs\brdrw15 \clbrdrl\brdrs\brdrw15 \clbrdrb\brdrs\brdrw15 \clbrdrr
\brdrs\brdrw15 \clcfpat8\cltxlrtb\clftsWidth3\clwWidth877\clcfpatraw8 \cellx5392\clvertalt\clbrdrt\brdrs\brdrw15 \clbrdrl\brdrs\brdrw15 \clbrdrb\brdrs\brdrw15 \clbrdrr\brdrs\brdrw15 \clcfpat8\cltxlrtb\clftsWidth3\clwWidth877\clcfpatraw8 \cellx6269
\clvertalt\clbrdrt\brdrs\brdrw15 \clbrdrl\brdrs\brdrw15 \clbrdrb\brdrs\brdrw15 \clbrdrr\brdrs\brdrw15\brdrcf4 \clcfpat8\cltxlrtb\clftsWidth3\clwWidth877\clcfpatraw8 \cellx7146\pard\plain \ltrpar\s101\ql \li80\ri80\sb110\sa50\sl260\slmult0\widctlpar\intbl
\tx0\tx363\wrapdefault\faauto\rin80\lin80 \rtlch\fcs1 \af42\afs20\alang1025 \ltrch\fcs0 \f42\fs20\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 
Etterskuddsannuitet\cell }\pard \ltrpar\s101\qc \li80\ri80\sb110\sa50\sl260\slmult0\widctlpar\intbl\tx0\tx363\wrapdefault\faauto\rin80\lin80 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 0\cell }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 X\cell X\cell ...\cell X\cell X\cell }\pard\plain \ltrpar\ql \li0\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 
\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1044\langfe1045\cgrid\langnp1044\langfenp1045 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14837126\charrsid1603512 \trowd \irow2\irowband2\ltrrow\ts11\trrh360\trleft0\trftsWidth1\tblind8\tblindtype3 \clvertalt\clbrdrt
\brdrs\brdrw15 \clbrdrl\brdrs\brdrw15\brdrcf4 \clbrdrb\brdrs\brdrw15 \clbrdrr\brdrs\brdrw15 \clcfpat8\cltxlrtb\clftsWidth3\clwWidth1884\clcfpatraw8 \cellx1884\clvertalt\clbrdrt\brdrs\brdrw15 \clbrdrl\brdrs\brdrw15 \clbrdrb\brdrs\brdrw15 \clbrdrr
\brdrs\brdrw15 \clcfpat8\cltxlrtb\clftsWidth3\clwWidth877\clcfpatraw8 \cellx2761\clvertalt\clbrdrt\brdrs\brdrw15 \clbrdrl\brdrs\brdrw15 \clbrdrb\brdrs\brdrw15 \clbrdrr\brdrs\brdrw15 \clcfpat8\cltxlrtb\clftsWidth3\clwWidth877\clcfpatraw8 \cellx3638
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\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512  kan nemlig beregnes som:
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\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid2844122\charrsid1603512  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 n\'e5verdien av en etterskuddsannuitet p\'e5
 1 krone mottatt i hver periode fra og med tidspunkt }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 1}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 
 til og med tidspunkt }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\f0\lang1044\langfe1045\langnp1044\insrsid15418370\charrsid1603512 T\endash }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 1}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 . Dette er alts\'e5 invers annuitetsfaktor, definert i (3.11) og beregnet i rentetabell 3. Dermed gjenst\'e5r n\'e5verdien av den f\'f8
rste kronen som forskuddsannuiteten gir. Siden denne}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid15925510\charrsid1603512  kronen}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 
 kommer p\'e5 tidspunkt 0, er n\'e5verdien den samme som kontantstr\'f8mmen, dvs. 1 krone. F\'f8rste ledd i parentesen }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid15925510\charrsid1603512 i (3.45) }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 er derfor n\'e5verdien av f\'f8rste element i forskuddsannuiteten p\'e5 1 krone. Andre ledd er n\'e5verdien av de resterende }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\i\f0\lang1044\langfe1045\langnp1044\insrsid15418370\charrsid1603512 T\endash }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 1}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512  leddene p\'e5 1 krone. Summen av de to leddene er n\'e5verdien av hele forskuddsannuiteten p\'e5 1 krone. Multipliser s\'e5 denne med annuiteten }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\i\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 X}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 . Da blir produktet lik n\'e5verdien av en forskuddsannuitet p\'e5 }{\rtlch\fcs1 
\ai\af0 \ltrch\fcs0 \i\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 X}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512  kroner over }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\i\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 T}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512  perioder til renten }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\i\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 r}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 .
\par }\pard\plain \ltrpar\s43\qj \fi283\li0\ri0\sl280\slmult0\widctlpar\tx198\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af43\afs21\alang1025 \ltrch\fcs0 \f43\fs21\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang1044\langfe1045\langnp1044\insrsid8928037\charrsid1603512 Med (3.45}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 ) kan }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 forskuddsannuiteten}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512  finnes direkte ut fra oppgitt n\'e5verdi og rente. Dette skjer med 
\'e5 l\'f8se ligningen for }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 X}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 :
\par }\pard\plain \ltrpar\s89\ql \li0\ri0\sb280\sa280\sl280\slmult0\widctlpar\tx567\wrapdefault\faauto\rin0\lin0\itap0\pararsid8928037 \rtlch\fcs1 \af47\afs21\alang1025 \ltrch\fcs0 \f47\fs21\cf17\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 {\rtlch\fcs1 
\af47 \ltrch\fcs0 \lang1044\langfe1045\langnp1044\insrsid11167131 (3.46}{\rtlch\fcs1 \af47 \ltrch\fcs0 \lang1044\langfe1045\langnp1044\insrsid11167131\charrsid15418370 )}{\rtlch\fcs1 \af47 \ltrch\fcs0 \lang1044\langfe1045\langnp1044\insrsid11167131  }
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{\pict{\*\picprop\shplid1028{\sp{\sn shapeType}{\sv 75}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn fLayoutInCell}{\sv 1}}{\sp{\sn fLayoutInCell}{\sv 1}}}
\picscalex100\picscaley100\piccropl0\piccropr0\piccropt0\piccropb0\picw4302\pich635\picwgoal2439\pichgoal360\wmetafile8\bliptag-1770751574\blipupi-111{\*\blipuid 967479aa1e5ae239c303a4017db15cfe}
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\pgnrestart\pgnstarts115\linex0\headery708\footery708\colsx708\sectdefaultcl\sftnbj {\rtlch\fcs1 \af47 \ltrch\fcs0 \lang1044\langfe1045\langnp1044\insrsid14837126\charrsid15418370 
\par }\pard\plain \ltrpar\s44\qj \li0\ri0\sl280\slmult0\widctlpar\tx198\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af43\afs21\alang1025 \ltrch\fcs0 \f43\fs21\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 Igjen er intuisjonen i uttrykket enkel. F\'f8rste ledd i parentesen er sluttverdien p\'e5 tidspunkt }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\i\f0\lang1044\langfe1045\langnp1044\insrsid15418370\charrsid1603512 T\endash }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 1}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512  av 1 krone som investeres p\'e5 tidspunkt }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 0}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512  til renten }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 r}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 . Faktoren }{\pard\plain \ltrpar\s44\qj \li0\ri0\sl280\slmult0\widctlpar\tx198\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs21\alang1025 \ltrch\fcs0 
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\f0\dn12\lang1044\langfe1045\langnp1044\insrsid2437670\charrsid2437670 {\pict{\*\picprop\shplid1029{\sp{\sn shapeType}{\sv 75}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn fLayoutInCell}{\sv 1}}
{\sp{\sn fLayoutInCell}{\sv 1}}}\picscalex100\picscaley100\piccropl0\piccropr0\piccropt0\piccropb0\picw917\pich635\picwgoal520\pichgoal360\wmetafile8\bliptag-1730951353\blipupi2304{\*\blipuid 98d3c747cd2ba9c6c6c3ff4ef0d035d5}
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\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid2844122\charrsid1603512  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 
er forrentningsfaktoren, definert i (3.5) og beregnet i rentetabell 1. Andre ledd er sluttverdien p\'e5 tidspunkt }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\f0\lang1044\langfe1045\langnp1044\insrsid15418370\charrsid1603512 T\endash }{\rtlch\fcs1 \ai\af0 
\ltrch\fcs0 \i\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 1}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512  av en etterskuddsannuitet over }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\i\f0\lang1044\langfe1045\langnp1044\insrsid15418370\charrsid1603512 T\endash }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 1}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang1044\langfe1045\langnp1044\insrsid8928037\charrsid1603512  perioder (definert i (3.4}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 1) }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang1044\langfe1045\langnp1044\insrsid277582\charrsid1603512 i notatet \'ab}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid8928037\charrsid1603512 Sluttverdi av annuitet}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang1044\langfe1045\langnp1044\insrsid277582\charrsid1603512 \'bb}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid8928037\charrsid1603512  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 og beregnet i rentetabell 5}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid8928037\charrsid1603512  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang1044\langfe1045\langnp1044\insrsid277582\charrsid1603512 i notatet \'abRentetabeller for sluttverdi av annuitet\'bb }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid8928037\charrsid1603512 her p\'e5 nettsiden}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 ).
\par }\pard\plain \ltrpar\s43\qj \fi283\li0\ri0\sl280\slmult0\widctlpar\tx198\wrapdefault\faauto\rin0\lin0\itap0 \rtlch\fcs1 \af43\afs21\alang1025 \ltrch\fcs0 \f43\fs21\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 F\'f8rste ledd i parentesen bringer derfor f\'f8rste krone i kontantstr\'f8mmen (mottatt p\'e5 tidspunkt null) frem til }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\i\f0\lang1044\langfe1045\langnp1044\insrsid15418370\charrsid1603512 T\endash }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 1}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 . Andre ledd bringer de }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\f0\lang1044\langfe1045\langnp1044\insrsid15418370\charrsid1603512 T\endash }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\i\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 1}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 
 resterende kronene frem til det samme sluttverditidspunktet. Parentesen er derfor sluttverdi av en forskuddsannuitet p\'e5 1 krone over }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 T}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512  perioder til renten }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 r}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 . Dermed er SVA}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid16056807\charrsid1603512 F}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid6642593\charrsid1603512 i (3.47) }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 sluttverdien av }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 X}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang1044\langfe1045\langnp1044\insrsid6642593\charrsid1603512  kroner pr. periode}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512  regnet p\'e5 tidspunkt }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\i\f0\lang1044\langfe1045\langnp1044\insrsid15418370\charrsid1603512 T\endash }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 1}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126 
\par }\pard \ltrpar\s43\qj \fi283\li0\ri0\sl280\slmult0\widctlpar\tx198\wrapdefault\faauto\rin0\lin0\itap0\pararsid1603512 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid1603512 \column }{\rtlch\fcs1 \af43 \ltrch\fcs0 
\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid2437670 
\par \ltrrow}\trowd \irow0\irowband0\ltrrow\ts184\trrh440\trleft-108\trbrdrt\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid7628945\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 
\cltxlrtb\clftsWidth3\clwWidth7143\clshdrawnil \cellx7035\pard\plain \ltrpar\s24\ql \li240\ri240\sb160\sa80\sl200\slmult0\widctlpar\intbl\tx0\tx694\tx1090\tx7440\tx8160\tx8880\wrapdefault\faauto\rin240\lin240\yts184 \rtlch\fcs1 \af44\afs20\alang1025 
\ltrch\fcs0 \caps\f44\fs20\expnd2\expndtw10\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid8928037\charrsid1603512 Eksempel 3.40}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 \cell }\pard\plain \ltrpar\ql \li0\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1044\langfe1045\cgrid\langnp1044\langfenp1045 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14837126\charrsid1603512 \trowd \irow0\irowband0\ltrrow\ts184\trrh440\trleft-108\trbrdrt\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr
\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 \trftsWidth1\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid7628945\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb
\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth7143\clshdrawnil \cellx7035\row \ltrrow}\trowd \irow1\irowband1\ltrrow\ts184\trrh6530\trleft-108\trbrdrt\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr
\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 \trftsWidth1\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid7628945\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb
\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 \cltxlrtb\clftsWidth3\clwWidth7143\clshdrawnil \cellx7035\pard\plain \ltrpar\s20\qj \li240\ri240\sb240\sl280\slmult0\widctlpar\intbl\wrapdefault\faauto\rin240\lin240\yts184 \rtlch\fcs1 \af43\afs21\alang1025 
\ltrch\fcs0 \f43\fs21\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 Jone har f\'e5tt tilbud om \'e5 leie en leilighet i et \'e5r. M\'e5
nedsleien, som skal betales forskuddsvis, er 8\~000 kr. Han har en del penger p\'e5 sparekonto som blant annet skal brukes til \'e5 finansiere boligutgifter. Jone vil derfor vite hvor mye av sparepengene som vil g\'e5 med til \'e5
 betale husleie, hensyn tatt til at innest\'e5ende p\'e5 kontoen hele tiden forrentes med 0,4\~% pr. m\'e5ned.
\par }\pard\plain \ltrpar\s18\qj \fi283\li240\ri240\sl280\slmult0\widctlpar\intbl\wrapdefault\faauto\rin240\lin240\yts184 \rtlch\fcs1 \af43\afs21\alang1025 \ltrch\fcs0 \f43\fs21\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 Her er forskuddsannuiteten, antall perioder og rentesatsen gitt, mens oppgaven er \'e5 finne n\'e5verdien. De oppgitte tal}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang1044\langfe1045\langnp1044\insrsid8928037\charrsid1603512 lene kan settes rett inn i (3.45}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 ), som gir:
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\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 Dette betyr alts\'e5 at Jone trenger 93\~924 kr p\'e5 konto den dagen f\'f8rste leie skal betales. Brukes kontoen kun til husleie, er kontoen tom 11 m\'e5neder senere.
\par }\pard\plain \ltrpar\s18\qj \fi283\li240\ri240\sl280\slmult0\widctlpar\intbl\wrapdefault\faauto\rin240\lin240\yts184 \rtlch\fcs1 \af43\afs21\alang1025 \ltrch\fcs0 \f43\fs21\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 Jone har ikke mer enn 120\~000 p\'e5 konto. Han \'f8nsker dessuten ikke \'e5 bruke mer enn halvparten av disse sparepengene til husleie i l\'f8pet av neste \'e5r. Jone snur derfor pr
oblemstillingen rundt og sp\'f8r hvilken leie han maksimalt kan betale. Svaret p\'e5 dette gir (}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid8928037\charrsid1603512 3.46}{\rtlch\fcs1 \af0 \ltrch\fcs0 
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\f0\lang1044\langfe1045\langnp1044\insrsid8928037\charrsid1603512 leie. Han kan dermed bruke (3.47}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 ) til \'e5 beregne hvor mye mer det er p\'e5
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\pgnrestart\pgnstarts115\linex0\headery708\footery708\colsx708\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 
\par }\pard\plain \ltrpar\s19\qj \li240\ri240\sl280\slmult0\widctlpar\intbl\wrapdefault\faauto\rin240\lin240\yts184 \rtlch\fcs1 \af43\afs21\alang1025 \ltrch\fcs0 \f43\fs21\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 Ved \'e5 redusere husleieutbetalingene med totalt 36\~000 \'f8ker derfor Jones sluttformue med 36\~803 etter 11 m\'e5
neder. Differansen skyldes at de sparte pengene hele tiden forrentes med 0,4\~% pr. m\'e5ned.
\par }\pard\plain \ltrpar\s18\qj \fi283\li240\ri240\sa160\sl280\slmult0\widctlpar\intbl\wrapdefault\faauto\rin240\lin240\yts184 \rtlch\fcs1 \af43\afs21\alang1025 \ltrch\fcs0 \f43\fs21\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 Legg for \'f8vrig merke til at i disse tilfellene brukte vi en rentesats som ikke er oppgitt i rentetabellen (0,4\~%). Da m\'e5 vi sette inn }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\i\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 T}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512  og }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\i\f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 r}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512  i n\'e5
verdi- og sluttverdiformlene og regne ut faktorverdiene. Som du vet, ligger disse form}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\expnd0\expndtw2\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512 lene ferdig programmert i
 formelregnearket. Alt dette kan du ogs\'e5 gj\'f8re}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid14837126\charrsid1603512  enkelt med en kalkulator.\cell }\pard\plain \ltrpar
\ql \li0\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1044\langfe1045\cgrid\langnp1044\langfenp1045 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14837126\charrsid1603512 
\trowd \irow2\irowband2\lastrow \ltrrow\ts184\trrh4690\trleft-108\trbrdrt\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidth1\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid7628945\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrs\brdrw10 \clbrdrl\brdrs\brdrw10 \clbrdrb\brdrs\brdrw10 \clbrdrr\brdrs\brdrw10 
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\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15558700\charrsid15418370 
\par }\pard\plain \ltrpar\s122\qj \li0\ri0\sl280\slmult0\widctlpar\tx198\wrapdefault\faauto\rin0\lin0\itap0\pararsid15558700 \rtlch\fcs1 \af42\afs21\alang1025 \ltrch\fcs0 \f42\fs21\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \b\f0\lang1044\langfe1045\langnp1044\insrsid15558700\charrsid1603512 Oppgave
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid15558700\charrsid1603512 Du har leid ut en hytte p\'e5 \'e5rem\'e5l over de neste fem \'e5rene til en \'e5rlig leie p\'e5 10\~000 kroner etter skatt. Leiebel\'f8
pene, som ikke skal indeksjusteres, betales \'e5rlig og etterskuddsvis, f\'f8rste gang om ett \'e5r. Kapitalkostnaden er 4\~%.
\par }\pard\plain \ltrpar\s123\qj \fi-283\li283\ri0\sl280\slmult0\widctlpar\tx283\wrapdefault\faauto\rin0\lin283\itap0\pararsid15558700 \rtlch\fcs1 \af42\afs21\alang1025 \ltrch\fcs0 \f42\fs21\lang1045\langfe1045\cgrid\langnp1045\langfenp1045 {\rtlch\fcs1 
\ab\af0 \ltrch\fcs0 \b\f0\lang1044\langfe1045\langnp1044\insrsid15558700\charrsid1603512 a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid15558700\charrsid1603512 \tab Leietaker vil helst betale \'e5
rlige leier. Hun tilbyr seg derfor \'e5 gj\'f8re opp hvert \'e5rs leie forskuddsvis. Beregn n\'e5verdi av samtlige leiebel\'f8p ved hjelp av en annuitetsformel. Forklar endringen i n\'e5verdi i forhold til etterskuddsvis betaling.
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid4928996\charrsid1603512 
\par }\pard \ltrpar\s123\qj \fi-283\li283\ri0\sl280\slmult0\widctlpar\tx283\wrapdefault\faauto\rin0\lin283\itap0\pararsid4928996 {\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f0\lang1044\langfe1045\langnp1044\insrsid4928996\charrsid1603512 L\'f8sningsforslag
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid4928996\charrsid1603512 Denne n\'e5verdien beregnes direkte fra (3.45):
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\f0\lang1044\langfe1045\langnp1044\insrsid4928996\charrsid1603512 N\'e5verdien stiger med 1\~781 kroner i forhold til etterskuddsvis betaling. Dette skyldes at i stedet for \'e5 f\'e5 10\~000 p\'e5 tidspunkt fem mottar du }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang1044\langfe1045\langnp1044\insrsid11167131\charrsid1603512 de }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang1044\langfe1045\langnp1044\insrsid4928996\charrsid1603512 10\~000 p\'e5 tidspunkt null. For \'f8vrig er kontantstr\'f8mm
en identisk i de to tilfellene. Differansen p\'e5 1\~781 kan derfor forklares som:
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