%PDF-1.6 % 1 0 obj <>/Font<>/ProcSet[/PDF/Text]/ExtGState 289 0 R/XObject 290 0 R>>/Rotate 0/StructParents 9/Type/Page/Tabs/S>> endobj 2 0 obj [13 0 R 15 0 R 12 0 R 14 0 R] endobj 3 0 obj <>stream /CS0 cs 1 scn 36 766.552 576 -694.552 re f /P <>BDC q 36 72 576 695 re W n BT 0 scn /TT0 1 Tf 0.016 Tw 10.5517 0 0 10.5517 60.8276 757.2414 Tm [(Therefore,)-34( contractual)-50( clauses)-22( in)-46( which)-32( the)-22( parties)-58( simply)-49( indicate)-25( that)-38( they)-51( agree)-31( to)-48( be)-6( bound)-44( by)-3( a)]TJ ET EMC Q BT /P <>BDC 0 scn /TT0 1 Tf 0.016 Tw 10.5517 0 0 10.5517 60.8276 744.2069 Tm [(contract)-31( drawn)-42( up)-6( in)-46( a)-32( language)-4( other)-15( than)-54( French)-6( are)-25( no)-6( longer)-44( sufficient.)]TJ EMC /P <>BDC 0 Tw 0 -2.176 TD [(The)-42( )]TJ EMC /P <>BDC /TT1 1 Tf 0.016 Tw 2.059 0 Td [(Civil)-53( Code)-22( of)-48( Qu\351bec)]TJ EMC /P <>BDC /TT0 1 Tf 9.647 0 Td [( stipulates)-11( that)-38( \223A contract)-31( of)-48( adhesion)-60( is)-43( a)-32( contract)-31( in)-45( which)-32( the)-22( essential)]TJ EMC /P <>BDC -11.706 -1.235 Td [(stipulations)-57( were)-9( imposed)-44( or)-52( drawn)-42( up)-6( by)-3( one)-38( of)-48( the)-22( parties,)-15( on)-6( his)-16( behalf)-41( or)-52( upon)-11( his)-16( instructions,)]TJ EMC /P <>BDC 0 -1.471 TD [(and)-38( were)-9( not)-22( negotiable.\224)]TJ EMC ET /P <>BDC BT /CS1 cs 0 0 1 scn /TT0 1 Tf 0 Tw 8.6897 0 0 8.6897 181.2414 696.4138 Tm (2)Tj ET /CS1 CS 0 0 1 SCN 0.621 w q 1 0 0 1 181.2414 695.7931 cm 0 0 m 4.966 0 l S Q EMC BT /P <>BDC /CS0 cs 0 scn /TT0 1 Tf 0.016 Tw 10.5517 0 0 10.5517 60.8276 669.7241 Tm [(To)-9( qualify)-51( a)-32( contract,)-47( the)-22( importance)-54( of)-48( the)-22( negotiated)-36( terms)-29( and)-38( conditions)-27( and)-38( their)-55( connection)]TJ EMC /P <>BDC 0 -1.235 TD [(with)-45( the)-22( contract)-31( must)-9( be)-6( analyzed.)-14( It)-32( is)-43( generally)-2( recognized)-50( that)-38( if)-29( the)-22( essential)-54( stipulations)-57( are)-26( not)]TJ EMC /P <>BDC 0 -1.235 TD [(negotiable,)-49( the)-22( contract)-31( is)-43( a)-32( contract)-31( of)-48( adhesion,)-17( even)-8( though)-1( some)-25( less)-46( important)-8( terms)-29( and)]TJ EMC /P <>BDC 0 -1.235 TD [(conditions)-27( may)-52( have)-8( been)-11( negotiated)-36( by)-3( the)-22( parties.)]TJ EMC /P <>BDC 0 -2.176 TD [(This)-52( amendment)-14( codifies)-22( the)-22( interpretation)-46( adopted)-33( by)-3( the)-22( Office)-35( qu\351becois)-30( de)-6( la)-45( langue)-57( fran\347aise)]TJ EMC /P <>BDC 0 -1.471 TD [(\(\223OQLF\224\))-4( and)-38( the)-22( courts,)]TJ EMC ET /P <>BDC BT /CS1 cs 0 0 1 scn /TT0 1 Tf 0 Tw 8.6897 0 0 8.6897 178.1379 595.8621 Tm (3)Tj ET q 1 0 0 1 178.1379 595.2413 cm 0 0 m 4.966 0 l S Q EMC BT /P <>BDC /CS0 cs 0 scn /TT0 1 Tf 0.016 Tw 10.5517 0 0 10.5517 183.1034 592.1379 Tm [( particularly)-48( given)-22( that)-38( negotiated)-36( contracts)-2( were)-9( not)-22( covered)-31( by)-3( this)]TJ EMC /P <>BDC -11.588 -1.235 Td [(provision.)-15( To)-9( remove)-19( any)-35( doubt)-27( concerning)-50( this)-32( interpretation,)-4( Bill)-20( 96)-6( was)-45( amended)-7( so)-3( as)-3( not)-22( to)]TJ EMC /P <>BDC 0 -1.235 TD [(extend)-57( the)-22( scope)-38( of)-48( this)-32( requirement)-18( to)-48( include)-8( contracts)-2( containing)-30( \223printed)-22( standard)-50( clauses\224.)]TJ EMC /H2 <>BDC /TT2 1 Tf 0 -2.176 TD [(The)-45( insurance)-41( contract)]TJ EMC /P <>BDC /TT0 1 Tf T* [(Since)-28( their)-55( essential)-54( stipulations)-57( are)-26( typically)-32( drawn)-42( up)-6( by)-3( the)-22( insurer,)-19( insurance)-18( contracts)-2( and)-38( their)]TJ EMC /P <>BDC 0 -1.235 TD [(endorsements)-17( are)-26( contracts)-2( of)-48( adhesion,)-17( as)-3( a)-32( general)-18( rule.)-55( Therefore,)-34( the)-22( French)-6(-)-20(language)-4( version)]TJ EMC /P <>BDC 0 -1.235 TD [(of)-48( all)-59( related)-2( documents)-50( \227 notices,)-25( letters,)-58( insurance)-18( product)-18( summaries)-52( \227 must)-9( be)-6( provided)-47( to)]TJ EMC /P <>BDC 0 -1.235 TD [(clients)-48( before)-47( they)-51( can)-35( decide)-54( whether)-31( they)-51( will)-24( be)-6( bound)-43( by)-3( a)-32( version)-12( drawn)-42( up)-6( in)-46( another)]TJ EMC /P <>BDC 0 Tw T* (language.)Tj EMC /P <>BDC 0.016 Tw 0 -2.176 TD [(During)-55( the)-22( parliamentary)-2( debates,)-46( Minister)-29( Jolin)-3(-)-20(Barette)-11( commented)-11( that)-38( Section)-18( 55)-6( of)-48( the)-22( Charter)]TJ EMC /P <>BDC 0 -1.235 TD [(only)-48( referred)-28( to)-48( consumers)-51( and)-38( that)-38( contracts)-2( between)-43( two)-32( companies)-47( could)-22( be)-6( drawn)-42( up)-6( in)-45( the)]TJ EMC /P <>BDC 0 -1.235 TD [(language)-4( of)-48( their)-55( choice)-51( if)-29( that)-38( was)-46( the)-22( express)-28( wish)-59( of)-48( both)-54( parties.)-15( The)-42( term \223consumer\224,)-19( however,)]TJ EMC /P <>BDC T* [(is)-43( not)-22( defined)-14( in)-46( the)-22( Charter.)-35( Ambiguity)-22( remains)-32( as)-3( to)-48( whether)-31( the)-22( Minister\222s)-13( comment)-6( only)-48( referred)]TJ EMC /P <>BDC 0 -1.235 TD [(to)-48( contracts)-2( containing)-30( standard)-50( clauses)-22( or)-52( whether)-31( contracts)-2( of)-48( adhesion)-60( were)-9( included.)-57( We)-29( will)]TJ EMC /P <>BDC 0 -1.235 TD [(have)-8( to)-48( wait)-45( for)-9( the)-22( publication)-44( of)-48( the)-22( interpretation)-46( bulletins)-38( and)-38( the)-22( annotated)-23( edition)-54( of)-48( the)-22( act)-19( to)]TJ EMC /P <>BDC 0 -1.235 TD [(determine)-25( whether)-31( Section)-18( 55)-6( of)-48( the)-22( Charter)-19( applies)-8( to)-48( commercial)-7( insurance)-18( policies.)-35( In)-48( the)]TJ EMC /P <>BDC 0 -1.235 TD [(meantime,)-38( we)-16( are)-26( of)-48( the)-22( opinion)-11( that)-38( if)-29( Qu\351bec)-27( lawmakers)-45( had)-38( wanted)-11( to)-48( exclude)-25( commercial)]TJ EMC /P <>BDC T* [(contracts)-2( of)-48( adhesion,)-17( they)-51( would)-35( have)-8( expressly)-12( done)-11( so)-3( by)-3( means)-58( of)-48( an)-6( amendment.)]TJ EMC /P <>BDC 0 -2.176 TD [(Insurance)-21( contracts)-2( in)-45( effect)-25( before)-47( June)-8( 1,)-48( 2023)-11( will)-24( not)-22( have)-8( to)-48( be)-6( translated,)-37( nor)-26( will)-24( insurance)]TJ EMC /P <>BDC 0 -1.235 TD [(contracts)-2( renewed)-47( without)-8( modifications)-47( since)-19( under)-31( those)-25( circumstances,)-38( the)-22( contract)-31( would)-35( not)-22( be)]TJ EMC /P <>BDC 0 -1.471 TD [(regarded)-57( as)-3( a)-32( new)-48( contract.)]TJ EMC ET /P <>BDC BT /CS1 cs 0 0 1 scn /TT0 1 Tf 0 Tw 8.6897 0 0 8.6897 194.2758 292.9655 Tm (4)Tj ET q 1 0 0 1 194.2758 292.3448 cm 0 0 m 4.966 0 l S Q EMC BT /P <>BDC /CS0 cs 0 scn /TT0 1 Tf 0.016 Tw 10.5517 0 0 10.5517 199.2414 289.2414 Tm [( However,)-12( if)-29( an)-6( existing)-22( insurance)-18( contract)-31( is)-43( renewed)-47( with)-46( significant)]TJ EMC /P <>BDC -13.118 -1.235 Td [(modifications,)-5( it)-29( will)-24( be)-6( regarded)-57( as)-3( a)-32( new)-48( contract)-31( and)-38( the)-22( French)-6(-)-20(language)-4( version)-12( thereof)-5( must)-9( be)]TJ EMC /P <>BDC 0 -1.235 TD [(provided)-47( to)-48( clients)-48( so)-3( they)-51( may)-52( validly)-45( express)-28( their)-55( wish)-59( to)-48( be)-6( bound)-43( by)-3( a)-32( contract)-31( drawn)-42( up)-6( in)-45( a)]TJ EMC /P <>BDC 0 -1.235 TD [(language)-4( other)-15( than)-54( French.)]TJ EMC /P <>BDC 0 -2.176 TD [(Given)-35( that)-38( in)-45( most)-9( cases,)-51( insurance)-18( contracts)-2( are)-25( sent)-51( out)-22( to)-48( policyholders)-47( by)-3( regular)-6( mail)-49( or)-52( email,)]TJ EMC /P <>BDC 0 -1.235 TD [(effective)-41( June)-8( 1,)-48( 2023,)-27( insurers,)-48( agents)-57( or)-52( brokers,)-35( as)-3( applicable,)-43( will)-24( have)-8( to)-48( send)-8( both)-54( the)-22( French)-6(-)]TJ EMC /P <>BDC 0 -1.235 TD [(language)-4( and)-38( English)-15(-)-20(language)-4( versions)-42( of)-48( the)-22( contract)-31( in)-45( the)-22( same)-26( mailing)-9( or)-52( simply)-49( send)-8( the)]TJ EMC /P <>BDC T* [(French)-6(-)-20(language)-4( version)-12( thereof.)]TJ EMC /P <>BDC 0 -2.176 TD [(It)-32( is)-43( important)-8( to)-48( note)-54( that)-38( the)-22( Act)-26( provides)-44( for)-9( an)-6( exception)-14( to)-48( the)-22( requirement)-18( to)-48( provide)-15( the)]TJ EMC /P <>BDC 0 -1.235 TD [(French)-6(-)-20(language)-4( version)-12( if:)]TJ EMC /LBody <>BDC 0.008 Tw 8.6897 0 0 8.6897 85.6552 130.3448 Tm [(The)-63( insurance)-22( policy)-15( has)-31( no)-31( equivalent)-13( in)-8( French)-31( in)-8( Qu\351bec;)-6( and)]TJ EMC /LBody <>BDC 0 -1.5 TD [(The)-63( insurance)-22( policy)-15( is)-64( originates)-22( from outside)-62( Qu\351bec)-69( or)-40( is)-64( not)-38( widely)-8( available)-54( in)-8( Qu\351bec.)]TJ EMC ET /P <>BDC BT /CS1 cs 0 0 1 scn /TT0 1 Tf 0 Tw 7.4483 0 0 7.4483 443.7931 120.4138 Tm (5)Tj ET q 1 0 0 1 443.7931 119.7931 cm 0 0 m 4.345 0 l S Q EMC BT /LBody <>BDC /CS0 cs 0 scn /TT0 1 Tf 8.6897 0 0 8.6897 448.1379 117.3104 Tm ( )Tj EMC /P <>BDC /TT1 1 Tf 0.008 Tw 0.286 0 Td [([unofficial)-62( translation])]TJ EMC /P <>BDC /TT0 1 Tf 0.016 Tw 10.5517 0 0 10.5517 60.8276 95.5862 Tm [(In)-48( all)-59( likelihood,)-25( this)-32( exception)-14( will)-24( only)-48( apply)-22( to)-48( highly)-35( specialized)-54( insurance)-18( products)-47( and)-38( will)-24( be)]TJ EMC /P <>BDC 0 -1.235 TD [(interpreted)-43( restrictively)-59( given)-22( the)-22( Act\222s)-9( primary)-20( objective.)]TJ EMC ET endstream endobj 4 0 obj <>/Font<>/ProcSet[/PDF/Text]/ExtGState 313 0 R/XObject 314 0 R>>/Rotate 0/StructParents 17/Type/Page/Tabs/S>> endobj 5 0 obj [17 0 R 16 0 R 20 0 R 18 0 R 19 0 R] endobj 6 0 obj <>stream /CS0 cs 1 scn 36 766.552 576 -694.552 re f BT /P <>BDC 0 scn /TT0 1 Tf 0.016 Tw 10.5517 0 0 10.5517 60.8276 754.1379 Tm [(Unlike)-45( insurance)-18( contracts)-2( and)-38( related)-2( documents,)-7( invoices,)-51( receipts,)-44( discharge)-18( notices)-8( and)-38( other)]TJ EMC /P <>BDC 0 -1.235 TD [(similar)-53( documents)-50( may)-52( be)-6( sent)-51( out)-22( in)-45( English)-15( if)-29( the)-22( French)-6(-)-20(language)-4( version)-12( remains)-32( available)-54( on)]TJ EMC /P <>BDC 0 -1.471 TD [(terms)-29( that)-38( are)-26( at)-48( least)-6( as)-3( favourable.)]TJ EMC ET /P <>BDC BT /CS1 cs 0 0 1 scn /TT0 1 Tf 0 Tw 8.6897 0 0 8.6897 235.2414 729.3104 Tm (6)Tj ET /CS1 CS 0 0 1 SCN 0.621 w q 1 0 0 1 235.2414 728.6896 cm 0 0 m 4.966 0 l S Q EMC BT /H2 <>BDC /CS0 cs 0 scn /TT1 1 Tf 0.016 Tw 10.5517 0 0 10.5517 60.8276 702.6207 Tm [(Services)-4( and)-46( marketing)-44( in)-52( French)]TJ EMC /P <>BDC /TT0 1 Tf 0 -2.176 TD [(The)-42( Act)-26( introduces)-34( the)-22( Charter\222s)-3( new)-48( Section)-18( 50.2,)-11( which)-32( states)-38( that)-38( businesses)-57( must)-9( respect)]TJ EMC /P <>BDC 0 -1.235 TD [(consumers\222)-6( fundamental)-26( linguistic)-48( right)-55( to)-48( be)-6( informed)-51( and)-38( served)-58( in)-45( French.)-22( The)-42( same)-26( section)]TJ EMC /P <>BDC 0 -1.235 TD [(reiterates)-8( this)-32( requirement)-18( with)-45( respect)-15( to)-48( \223a)-52( public)-35( other)-15( than)-54( consumers\224)-12( to)-48( whom)-39( are)-25( offered)]TJ EMC /P <>BDC 0 -1.235 TD [(goods)-41( and)-38( services)-39( and)-38( who)-48( must)-9( henceforth)-40( be)-6( informed)-51( and)-38( served)-58( in)-45( French)-6( by)-3( businesses.)]TJ EMC /P <>BDC 0 -1.235 TD [(Unlike)-45( consumers,)-8( however,)-2( clients)-48( who)-48( are)-26( businesses)-57( do)-6( not)-22( enjoy)-22( a)-32( fundamental)-26( linguistic)-48( right)]TJ EMC /P <>BDC 0 -1.235 TD [(protected)-7( by)-3( the)-22( Charter.)]TJ EMC /P <>BDC 0 -2.176 TD [(As)-9( regards)-22( marketing,)-38( the)-22( addition)-27( of)-48( the)-22( words)-39( \223regardless)-58( of)-48( the)-22( medium)-32( used\224)-28( to)-48( Section)-18( 52)-6( of)]TJ EMC /P <>BDC 0 -1.235 TD [(the)-22( Charter)-19( confirms)-46( that)-38( marketing)-22( documents)-50( in)-45( \223hard)-19( copy\224)-26( format)-48( must)-9( be)-6( in)-45( French,)-22( as)-3( must)]TJ EMC /P <>BDC T* [(websites.)-8( If)-32( a)-32( version)-12( is)-43( available)-54( to)-48( the)-22( public)-35( in)-45( a)-32( language)-4( other)-15( than)-54( French,)-22( the)-22( French)-6(-)]TJ EMC /P <>BDC 0 -1.235 TD [(language)-4( version)-12( must)-9( be)-6( available)-54( on)-6( terms)-29( that)-38( are)-26( at)-48( least)-6( as)-3( favourable.)-53( This)-52( provision)-58( took)]TJ EMC /P <>BDC 0 -1.235 TD [(effect)-25( on)-6( June)-8( 1,)-48( 2022.)]TJ EMC /P <>BDC 0 -2.176 TD [(Chat)-6(-)-20(type)-51( platforms)-6( or)-52( those)-25( facilitating)-25( direct)-26( communications)-11( with)-45( the)-22( insurer)-3( should)-54( make)-26( it)]TJ EMC /P <>BDC 0 -1.235 TD [(possible)-38( for)-9( members)-9( of)-48( the)-22( public)-35( to)-48( communicate)-54( with)-46( the)-22( insurer\222s)-45( representatives)-46( in)-46( French)-6( at)-48( all)]TJ EMC /P <>BDC 0 Tw 0 -1.235 TD (times.)Tj EMC /H2 <>BDC /TT1 1 Tf 0.016 Tw 0 -2.176 TD [(Communications)-6( with insurance)-41( agents)-12( and)-45( brokers)]TJ EMC /P <>BDC /TT0 1 Tf T* [(Effective)-47( June)-8( 1,)-48( 2022,)-27( insurers)-32( are)-26( required)-38( to)-48( communicate)-54( in)-46( French)-6( with)-46( insurance)-18( agents)-57( and)]TJ EMC /P <>BDC 0 -1.471 TD [(brokers)-19( who)-48( express)-28( the)-22( desire)-42( to)-48( do)-6( so.)]TJ EMC ET /P <>BDC BT /CS1 cs 0 0 1 scn /TT0 1 Tf 0 Tw 8.6897 0 0 8.6897 254.4828 432.6207 Tm (7)Tj ET q 1 0 0 1 254.4828 432 cm 0 0 m 4.966 0 l S Q EMC BT /P <>BDC /CS0 cs 0 scn /TT0 1 Tf 0.016 Tw 10.5517 0 0 10.5517 60.8276 405.931 Tm [(In)-48( addition,)-43( all)-59( information)-54( documents)-50( sent)-51( to)-48( insurance)-18( agents)-57( and)-38( brokers)-19( regarding)-11( underwriting)]TJ EMC /P <>BDC 0 -1.235 TD [(or)-52( claims)-49( must)-9( be)-6( in)-45( French)-6( if)-29( they)-51( so)-3( wish.)]TJ EMC /P <>BDC 0 -2.176 TD [(As)-9( regards)-22( contractual)-50( agreements)-14( between)-43( insurers,)-48( insurance)-18( agents)-57( and)-38( brokers,)-35( the)-22( need)-11( to)]TJ EMC /P <>BDC 0 -1.235 TD [(provide)-15( a)-32( French)-6(-)-20(language)-4( version)-12( depends)-46( on)-6( the)-22( nature)-47( of)-48( the)-22( contract,)-47( i.e.)-19( whether)-31( it)-29( can)-35( be)]TJ EMC /P <>BDC 0 -1.235 TD [(qualified)-41( as)-3( a)-32( contract)-31( of)-48( adhesion.)]TJ EMC /H2 <>BDC /TT1 1 Tf 0 -2.176 TD [(French)-19( in)-52( the)-29( workplace)]TJ EMC /P <>BDC /TT0 1 Tf T* [(Effective)-47( June)-8( 1,)-48( 2022,)-27( all)-59( companies)-47( doing)-25( business)-54( in)-46( Qu\351bec)-27( must)-9( comply)-9( with)-45( the)-22( following)]TJ EMC /P <>BDC 0 -1.235 TD [(requirements)-47( in)-45( the)-22( area)-58( of)-48( employment)-25( rights:)]TJ EMC /LBody <>BDC 0.008 Tw 8.6897 0 0 8.6897 85.6552 260.6897 Tm [(Respect)-46( employees\222)-14( right)-55( to)-23( work)-32( in)-8( French)]TJ EMC ET /P <>BDC BT /CS1 cs 0 0 1 scn /TT0 1 Tf 0 Tw 7.4483 0 0 7.4483 254.4828 263.7931 Tm (8)Tj ET q 1 0 0 1 254.4828 263.1724 cm 0 0 m 4.345 0 l S Q EMC BT /LBody <>BDC /CS0 cs 0 scn /TT0 1 Tf 8.6897 0 0 8.6897 258.8276 260.6897 Tm (;)Tj EMC /LBody <>BDC 0.008 Tw -19.929 -1.214 Td [(Use)-8( French)-31( in)-8( all)-71( written)-55( communications)-62( sent)-38( to)-23( employees;)]TJ EMC /LBody <>BDC 0 -1.214 TD [(Ensure)-46( that)-46( all)-71( offers)-70( of)-23( employment,)-62( promotion)-54( or)-40( transfer;)-46( individual)-46( employment)-54( contracts;)-22( employment)]TJ EMC /LBody <>BDC 0 -1.214 TD [(application)-6( forms;)-8( and)-46( documents)-38( concerning)-37( employment)-54( conditions)-69( and)-46( training)-7( sent)-38( to)-23( employees)-22( are)-55( drawn)-63( up)]TJ EMC /LBody <>BDC 0 -1.5 TD [(in)-8( French;)]TJ EMC ET /P <>BDC BT /CS1 cs 0 0 1 scn /TT0 1 Tf 0 Tw 7.4483 0 0 7.4483 124.7586 219.1035 Tm (9)Tj ET q 1 0 0 1 124.7586 218.4828 cm 0 0 m 4.345 0 l S Q EMC BT /LBody <>BDC /CS0 cs 0 scn /TT0 1 Tf 0.008 Tw 8.6897 0 0 8.6897 85.6552 205.4483 Tm [(Take)-63( all)-71( reasonable)-53( means)-70( to)-23( avoid)-39( requiring)-39( employees)-22( to)-23( have)-46( knowledge)-6( or)-39( a)-15( specific)-23( level)-15( of)-23( knowledge)-6( of)-23( a)]TJ EMC /LBody <>BDC 0 -1.214 TD [(language)-29( other)-7( than)-54( French)-31( for)-47( employees)-22( to)-23( obtain)-62( employment)-54( or)-40( to)-23( maintain)-7( their)-55( position,)-62( including)-54( in)-8( particular:)]TJ EMC /P <>BDC 0 Tw 10.5517 0 0 10.5517 85.6552 173.1724 Tm ( )Tj EMC /LBody <>BDC 0.008 Tw 8.6897 0 0 8.6897 85.6552 151.4483 Tm [(Assess)-63( the)-39( actual)-46( needs)-62( associated)-6( with)-8( the)-39( duties)-46( to)-23( be)-31( performed;)]TJ EMC /LBody <>BDC T* [(Make)-55( sure)-55( that)-46( the)-39( language)-29( knowledge)-6( already)-7( required)-46( from other)-7( staff)-39( members)-47( was)-8( insufficient)-62( for)-47( the)]TJ EMC /LBody <>BDC 0 -1.214 TD [(performance)-30( of)-23( those)-54( duties;)]TJ EMC /LBody <>BDC 0 -1.214 TD [(Restrict)-40( 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