VALUE
FACTOR
MISER
TEMPT
EARN
AVOID
FRUGAL
SUPPOSE
COMPLICATED
EXTRAVAGANT
FINANCIAL
JUDICIOUS
EXPENSES
RESPONSIBILITY
I
N
C
L
O
Y
Y
S
Y
N
K
H
B
A
Q
T
A
E
D
H
Z
G
Y
T
U
E
A
W
V
V
C
U
F
A
Z
G
E
J
R
I
E
C
Z
I
F
X
U
E
I
T
P
M
E
T
T
S
G
I
Y
D
L
J
I
X
P
V
A
L
U
E
M
O
A
O
I
I
E
O
C
U
R
B
J
G
B
X
E
U
E
R
C
L
D
B
G
U
Z
D
R
B
H
X
X
G
S
A
I
E
I
A
X
U
Q
E
K
I
S
I
Z
U
V
R
O
I
E
S
L
V
O
A
L
A
I
C
N
A
N
I
F
E
P
U
Q
P
P
O
E
A
F
U
E
I
E
E
M
E
I
S
P
W
F
O
M
I
W
R
A
A
U
O
I
E
U
I
M
I
U
T
F
N
O
D
A
B
C
A
U
U
D
J
U
E
O
M
S
T
J
S
C
O
N
E
T
F
N
S
E
P
Q
E
N
F
I
U
G
I
A
E
F
U
O
M
I
E
X
P
E
N
S
E
S
U
A
B
I
R
U
A
R
Z
K
E
M
B
B
O
H
D
I
W
E
I
E
X
T
R
A
V
A
G
A
N
T
L
A
G
U
R
F
L
O
U
H
M
L
X
E
A
R
N
G
K
O
I
B
O
O
I
U
T
A
O
I
A
W
W
D
I
T
I
U
O
O
D
J
T
W
S
B
U
C
Y
E
I
U
T
S
U
W
G
B
T
A
Y
