{"id":7714,"date":"2025-07-09T09:15:39","date_gmt":"2025-07-09T09:15:39","guid":{"rendered":"https:\/\/soeasyinsurance.com.cy\/?p=7714"},"modified":"2025-07-09T09:46:50","modified_gmt":"2025-07-09T09:46:50","slug":"scarf-model-in-insurance-gr","status":"publish","type":"post","link":"https:\/\/soeasyinsurance.com.cy\/el\/2025\/07\/09\/scarf-model-in-insurance-gr\/","title":{"rendered":"\u0397 \u03c7\u03c1\u03ae\u03c3\u03b7 \u03c4\u03bf\u03c5 \u03bc\u03bf\u03bd\u03c4\u03ad\u03bb\u03bf\u03c5 SCARF \u03c3\u03c4\u03b7 \u03b4\u03b9\u03b1\u03bd\u03bf\u03bc\u03ae \u0391\u03c3\u03c6\u03b1\u03bb\u03af\u03c3\u03b5\u03c9\u03bd"},"content":{"rendered":"<p><strong>\u0393\u03c1\u03ac\u03c6\u03b5\u03b9 \u03bf \u0393\u03b9\u03ce\u03c1\u03b3\u03bf\u03c2 \u039d\u03ac\u03c4\u03b1\u03c1, B.Sc, M.Sc, MCyHRMA, \u0395\u03ba\u03c0\u03b1\u03b9\u03b4\u03b5\u03c5\u03c4\u03ae\u03c2 \u0391\u03c3\u03c6\u03b1\u03bb\u03af\u03c3\u03b5\u03c9\u03bd \u03ba\u03b1\u03b9 \u0395\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03ae\u03c3\u03b5\u03c9\u03bd<\/strong><\/p>\n<p>\u0397 <strong>\u03c0\u03ce\u03bb\u03b7\u03c3\u03b7<\/strong> \u03ba\u03b1\u03b9 \u03b7 <strong>\u03b4\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03ac\u03c4\u03b5\u03c5\u03c3\u03b7<\/strong> \u03b5\u03af\u03bd\u03b1\u03b9 \u03b4\u03cd\u03bf \u03ad\u03bd\u03bd\u03bf\u03b9\u03b5\u03c2 \u03c0\u03bf\u03c5 \u03c3\u03c5\u03c7\u03bd\u03ac \u03c3\u03c5\u03bd\u03c5\u03c0\u03ac\u03c1\u03c7\u03bf\u03c5\u03bd \u03c3\u03c4\u03bf\u03bd \u03b1\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03c4\u03b9\u03ba\u03cc \u03c4\u03bf\u03bc\u03ad\u03b1, \u03b1\u03bb\u03bb\u03ac \u03ad\u03c7\u03bf\u03c5\u03bd \u03b4\u03b9\u03b1\u03c6\u03bf\u03c1\u03b5\u03c4\u03b9\u03ba\u03cc \u03c1\u03cc\u03bb\u03bf \u03ba\u03b1\u03b9 \u03bb\u03b5\u03b9\u03c4\u03bf\u03c5\u03c1\u03b3\u03af\u03b1.<\/p>\n<p>\u0391\u03c2 \u03b4\u03bf\u03cd\u03bc\u03b5 \u03cc\u03bc\u03c9\u03c2 \u03c3\u03c5\u03bd\u03bf\u03c0\u03c4\u03b9\u03ba\u03ac \u03b5\u03b4\u03ce \u03c4\u03b7 <strong>\u03b4\u03b9\u03b1\u03c6\u03bf\u03c1\u03ac \u03bc\u03b5\u03c4\u03b1\u03be\u03cd \u03c0\u03ce\u03bb\u03b7\u03c3\u03b7\u03c2 \u03ba\u03b1\u03b9 \u03b4\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03ac\u03c4\u03b5\u03c5\u03c3\u03b7\u03c2<\/strong> \u03c3\u03c4\u03bf \u03c0\u03bb\u03b1\u03af\u03c3\u03b9\u03bf \u03c4\u03b7\u03c2 \u03b1\u03c3\u03c6\u03ac\u03bb\u03b9\u03c3\u03b7\u03c2, \u03bc\u03b5 \u03ad\u03bc\u03c6\u03b1\u03c3\u03b7 \u03c3\u03c4\u03b1 \u03b2\u03b1\u03c3\u03b9\u03ba\u03ac \u03c7\u03b1\u03c1\u03b1\u03ba\u03c4\u03b7\u03c1\u03b9\u03c3\u03c4\u03b9\u03ba\u03ac \u03c4\u03bf\u03c5\u03c2\u2026<\/p>\n<h2><strong>\u00a0\u0394\u03b9\u03b1\u03c6\u03bf\u03c1\u03ad\u03c2 \u03bc\u03b5\u03c4\u03b1\u03be\u03cd \u03a0\u03ce\u03bb\u03b7\u03c3\u03b7\u03c2 \u03ba\u03b1\u03b9 \u0394\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03ac\u03c4\u03b5\u03c5\u03c3\u03b7\u03c2 \u03c3\u03c4\u03b7\u03bd \u0391\u03c3\u03c6\u03ac\u03bb\u03b9\u03c3\u03b7<\/strong><\/h2>\n<table>\n<thead>\n<tr>\n<td><strong>\u03a0\u03b1\u03c1\u03ac\u03b3\u03bf\u03bd\u03c4\u03b1\u03c2<\/strong><\/td>\n<td><strong>\u03a0\u03ce\u03bb\u03b7\u03c3\u03b7<\/strong><\/td>\n<td><strong>\u0394\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03ac\u03c4\u03b5\u03c5\u03c3\u03b7<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>\u0388\u03bd\u03bd\u03bf\u03b9\u03b5\u03c2<\/strong><\/td>\n<td>\u0397 \u03b4\u03b9\u03b1\u03b4\u03b9\u03ba\u03b1\u03c3\u03af\u03b1 \u03c0\u03b1\u03c1\u03bf\u03c5\u03c3\u03af\u03b1\u03c3\u03b7\u03c2 \u03ba\u03b1\u03b9 \u03c0\u03c1\u03bf\u03ce\u03b8\u03b7\u03c3\u03b7\u03c2 \u03b1\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03c4\u03b9\u03ba\u03ce\u03bd \u03c0\u03c1\u03bf\u03ca\u03cc\u03bd\u03c4\u03c9\u03bd \u03c3\u03c4\u03bf\u03bd \u03c0\u03b5\u03bb\u03ac\u03c4\u03b7 \u03bc\u03b5 \u03c3\u03ba\u03bf\u03c0\u03cc \u03c4\u03b7\u03bd \u03ba\u03ac\u03bb\u03c5\u03c8\u03b7 \u03b1\u03bd\u03b1\u03b3\u03ba\u03ce\u03bd \u03c4\u03bf\u03c5.<\/td>\n<td>\u0397 \u03b4\u03b9\u03b1\u03b4\u03b9\u03ba\u03b1\u03c3\u03af\u03b1 \u03b1\u03bc\u03bf\u03b9\u03b2\u03b1\u03af\u03b1\u03c2 \u03c0\u03c1\u03bf\u03c3\u03b1\u03c1\u03bc\u03bf\u03b3\u03ae\u03c2 \u03cc\u03c1\u03c9\u03bd, \u03c0\u03b1\u03c1\u03bf\u03c7\u03ce\u03bd \u03ae \u03c4\u03b9\u03bc\u03ce\u03bd \u03bc\u03b5\u03c4\u03b1\u03be\u03cd \u03c0\u03b5\u03bb\u03ac\u03c4\u03b7 \u03ba\u03b1\u03b9 \u03b1\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03c4\u03ae \u03ce\u03c3\u03c4\u03b5 \u03bd\u03b1 \u03ba\u03b1\u03c4\u03b1\u03bb\u03ae\u03be\u03bf\u03c5\u03bd \u03c3\u03b5 \u03b1\u03c0\u03bf\u03b4\u03b5\u03ba\u03c4\u03ae \u03c3\u03c5\u03bc\u03c6\u03c9\u03bd\u03af\u03b1.<\/td>\n<\/tr>\n<tr>\n<td><strong>\u0392\u03b1\u03c3\u03b9\u03ba\u03cc\u03c2 <\/strong><strong>\u03a3<\/strong><strong>\u03ba\u03bf\u03c0\u03cc\u03c2<\/strong><\/td>\n<td>\u0397 \u03c0\u03b5\u03b9\u03b8\u03ce \u03ba\u03b1\u03b9 \u03b7 \u03ba\u03b1\u03c4\u03b1\u03bd\u03cc\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b1\u03bd\u03b1\u03b3\u03ba\u03ce\u03bd \u03c4\u03bf\u03c5 \u03c0\u03b5\u03bb\u03ac\u03c4\u03b7 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03c0\u03c1\u03cc\u03c4\u03b1\u03c3\u03b7 \u03ba\u03b1\u03c4\u03ac\u03bb\u03bb\u03b7\u03bb\u03bf\u03c5 \u03c0\u03c1\u03bf\u03ca\u03cc\u03bd\u03c4\u03bf\u03c2.<\/td>\n<td>\u0397 \u03b5\u03be\u03b9\u03c3\u03bf\u03c1\u03c1\u03cc\u03c0\u03b7\u03c3\u03b7 \u03c3\u03c5\u03bc\u03c6\u03b5\u03c1\u03cc\u03bd\u03c4\u03c9\u03bd \u03b3\u03b9\u03b1 \u03c4\u03b7 \u03b4\u03b9\u03b1\u03bc\u03cc\u03c1\u03c6\u03c9\u03c3\u03b7 \u03b1\u03c0\u03bf\u03b4\u03b5\u03ba\u03c4\u03ae\u03c2 \u03bb\u03cd\u03c3\u03b7\u03c2 \u03ba\u03b1\u03b9 \u03b3\u03b9\u03b1 \u03c4\u03b9\u03c2 \u03b4\u03cd\u03bf \u03c0\u03bb\u03b5\u03c5\u03c1\u03ad\u03c2.<\/td>\n<\/tr>\n<tr>\n<td><strong>\u03a7\u03b1\u03c1\u03b1\u03ba\u03c4\u03ae\u03c1\u03b1\u03c2<\/strong><\/td>\n<td>\u03a0\u03b5\u03c1\u03b9\u03c3\u03c3\u03cc\u03c4\u03b5\u03c1\u03bf <strong>\u03bc\u03bf\u03bd\u03cc\u03b4\u03c1\u03bf\u03bc\u03bf\u03c2<\/strong> \u2013 \u03bf \u03c3\u03cd\u03bc\u03b2\u03bf\u03c5\u03bb\u03bf\u03c2 \/ \u03c0\u03c1\u03ac\u03ba\u03c4\u03bf\u03c1\u03b1\u03c2 \u03b5\u03be\u03b7\u03b3\u03b5\u03af, \u03c0\u03c1\u03bf\u03c4\u03b5\u03af\u03bd\u03b5\u03b9 \u03ba\u03b1\u03b9 \u03c0\u03b5\u03af\u03b8\u03b5\u03b9.<\/td>\n<td><strong>\u0391\u03bc\u03c6\u03af\u03b4\u03c1\u03bf\u03bc\u03bf\u03c2<\/strong> \u2013 \u03c5\u03c0\u03ac\u03c1\u03c7\u03b5\u03b9 \u03b4\u03b9\u03ac\u03bb\u03bf\u03b3\u03bf\u03c2, \u03b1\u03bc\u03bf\u03b9\u03b2\u03b1\u03af\u03b1 \u03c0\u03b1\u03c1\u03b1\u03c7\u03ce\u03c1\u03b7\u03c3\u03b7 \u03ba\u03b1\u03b9 \u03c0\u03c1\u03bf\u03c3\u03b1\u03c1\u03bc\u03bf\u03b3\u03ae.<\/td>\n<\/tr>\n<tr>\n<td><strong>\u03a7\u03c1\u03bf\u03bd\u03b9\u03ba\u03ae \u03c3\u03c4\u03b9\u03b3\u03bc\u03ae<\/strong><\/td>\n<td>\u03a0\u03b9\u03bf \u03ad\u03bd\u03c4\u03bf\u03bd\u03b7 \u03c3\u03c4\u03b7\u03bd <strong>\u03b1\u03c1\u03c7\u03ae<\/strong> \u03c4\u03b7\u03c2 \u03b5\u03c0\u03b1\u03c6\u03ae\u03c2 \u03bc\u03b5 \u03c4\u03bf\u03bd \u03c0\u03b5\u03bb\u03ac\u03c4\u03b7 (\u03b5\u03bd\u03c4\u03bf\u03c0\u03b9\u03c3\u03bc\u03cc\u03c2 \u03b1\u03bd\u03b1\u03b3\u03ba\u03ce\u03bd, \u03c0\u03b1\u03c1\u03bf\u03c5\u03c3\u03af\u03b1\u03c3\u03b7 \u03bb\u03cd\u03c3\u03b5\u03c9\u03bd).<\/td>\n<td>\u03a3\u03c5\u03bd\u03ae\u03b8\u03c9\u03c2 \u03ad\u03c1\u03c7\u03b5\u03c4\u03b1\u03b9 <strong>\u03bc\u03b5\u03c4\u03ac \u03c4\u03b7\u03bd \u03c0\u03b1\u03c1\u03bf\u03c5\u03c3\u03af\u03b1\u03c3\u03b7<\/strong>, \u03cc\u03c4\u03b1\u03bd \u03b1\u03c1\u03c7\u03af\u03b6\u03b5\u03b9 \u03b7 \u03b5\u03be\u03ad\u03c4\u03b1\u03c3\u03b7 \u03cc\u03c1\u03c9\u03bd, \u03c4\u03b9\u03bc\u03ce\u03bd \u03ba\u03b1\u03b9 \u03c0\u03c1\u03bf\u03c3\u03b1\u03c1\u03bc\u03bf\u03b3\u03ce\u03bd.<\/td>\n<\/tr>\n<tr>\n<td><strong>\u03a0\u03b5\u03b4\u03af\u03bf <\/strong><strong>\u03c7\u03c1\u03ae\u03c3\u03b7\u03c2<\/strong><\/td>\n<td>\u03a0\u03b1\u03c1\u03bf\u03c5\u03c3\u03af\u03b1\u03c3\u03b7 \u03ba\u03b1\u03bb\u03cd\u03c8\u03b5\u03c9\u03bd, \u03bf\u03c6\u03b5\u03bb\u03ce\u03bd, \u03b4\u03b9\u03b1\u03c6\u03bf\u03c1\u03bf\u03c0\u03bf\u03b9\u03b7\u03c4\u03b9\u03ba\u03ce\u03bd \u03c3\u03c4\u03bf\u03b9\u03c7\u03b5\u03af\u03c9\u03bd \u03c0\u03c1\u03bf\u03ca\u03cc\u03bd\u03c4\u03c9\u03bd.<\/td>\n<td>\u03a4\u03b9\u03bc\u03bf\u03ba\u03b1\u03c4\u03ac\u03bb\u03bf\u03b3\u03bf\u03c2, \u03b5\u03b9\u03b4\u03b9\u03ba\u03bf\u03af \u03cc\u03c1\u03bf\u03b9, \u03b5\u03ba\u03c0\u03c4\u03ce\u03c3\u03b5\u03b9\u03c2, \u03b5\u03be\u03b1\u03b9\u03c1\u03ad\u03c3\u03b5\u03b9\u03c2, \u03cc\u03c1\u03bf\u03b9 \u03b1\u03c0\u03bf\u03b6\u03b7\u03bc\u03af\u03c9\u03c3\u03b7\u03c2 \u03ba.\u03bb\u03c0.<\/td>\n<\/tr>\n<tr>\n<td><strong>\u0395\u03c1\u03b3\u03b1\u03bb\u03b5\u03af\u03b1<\/strong><\/td>\n<td>\u0395\u03c1\u03c9\u03c4\u03ae\u03c3\u03b5\u03b9\u03c2 \u03b1\u03bd\u03b1\u03b3\u03ba\u03ce\u03bd, \u03c4\u03b5\u03c7\u03bd\u03b9\u03ba\u03ac \u03c6\u03c5\u03bb\u03bb\u03ac\u03b4\u03b9\u03b1, \u03c3\u03c5\u03b3\u03ba\u03c1\u03b9\u03c4\u03b9\u03ba\u03ac \u03c0\u03bb\u03b5\u03bf\u03bd\u03b5\u03ba\u03c4\u03ae\u03bc\u03b1\u03c4\u03b1.<\/td>\n<td>\u0394\u03b9\u03b1\u03c7\u03b5\u03af\u03c1\u03b9\u03c3\u03b7 \u03b1\u03bd\u03c4\u03b9\u03c1\u03c1\u03ae\u03c3\u03b5\u03c9\u03bd, \u03b5\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03b7\u03bc\u03b1\u03c4\u03bf\u03bb\u03bf\u03b3\u03af\u03b1, \u03b5\u03c5\u03b5\u03bb\u03b9\u03be\u03af\u03b1 \u03c3\u03c4\u03bf\u03c5\u03c2 \u03cc\u03c1\u03bf\u03c5\u03c2.<\/td>\n<\/tr>\n<tr>\n<td><strong>\u03a3\u03c7\u03ad\u03c3\u03b7 \u03bc\u03b5 <\/strong><strong>\u03c4\u03bf <\/strong><strong>SCARF<\/strong><\/td>\n<td>SCARF \u03c5\u03c0\u03bf\u03c3\u03c4\u03b7\u03c1\u03af\u03b6\u03b5\u03b9 \u03c4\u03b7\u03bd \u03c0\u03ce\u03bb\u03b7\u03c3\u03b7 \u03b4\u03b7\u03bc\u03b9\u03bf\u03c5\u03c1\u03b3\u03ce\u03bd\u03c4\u03b1\u03c2 \u03b8\u03b5\u03c4\u03b9\u03ba\u03cc \u03c8\u03c5\u03c7\u03bf\u03bb\u03bf\u03b3\u03b9\u03ba\u03cc \u03c0\u03bb\u03b1\u03af\u03c3\u03b9\u03bf.<\/td>\n<td>SCARF \u03b2\u03bf\u03b7\u03b8\u03ac \u03c3\u03c4\u03b7 \u03bc\u03b5\u03af\u03c9\u03c3\u03b7 \u03b5\u03bd\u03c4\u03ac\u03c3\u03b5\u03c9\u03bd, \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03b5\u03bc\u03c0\u03b9\u03c3\u03c4\u03bf\u03c3\u03cd\u03bd\u03b7\u03c2 \u03ba\u03b1\u03b9 \u03ba\u03b1\u03c4\u03b1\u03bd\u03cc\u03b7\u03c3\u03b7\u03c2 \u03ba\u03b1\u03c4\u03ac \u03c4\u03b7 \u03b4\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03ac\u03c4\u03b5\u03c5\u03c3\u03b7.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u03a3\u03c5\u03bd\u03bf\u03c0\u03c4\u03b9\u03ba\u03ac \u03b4\u03b7\u03bb\u03b1\u03b4\u03ae \u03b7 <strong>\u03c0\u03ce\u03bb\u03b7\u03c3\u03b7<\/strong> \u03b5\u03c0\u03b9\u03ba\u03b5\u03bd\u03c4\u03c1\u03ce\u03bd\u03b5\u03c4\u03b1\u03b9 \u03c3\u03c4\u03bf <strong>\u201c\u03c4\u03b9\u201d<\/strong> \u03ba\u03b1\u03b9 <strong>\u201c\u03b3\u03b9\u03b1\u03c4\u03af\u201d<\/strong> \u03c4\u03bf\u03c5 \u03c0\u03c1\u03bf\u03ca\u03cc\u03bd\u03c4\u03bf\u03c2, \u03b5\u03bd\u03ce \u03b7 <strong>\u03b4\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03ac\u03c4\u03b5\u03c5\u03c3\u03b7<\/strong> \u03b5\u03c0\u03b9\u03ba\u03b5\u03bd\u03c4\u03c1\u03ce\u03bd\u03b5\u03c4\u03b1\u03b9 \u03c3\u03c4\u03bf <strong>\u201c\u03c0\u03ce\u03c2\u201d<\/strong> \u03b8\u03b1 \u03c6\u03c4\u03ac\u03c3\u03bf\u03c5\u03bc\u03b5 \u03c3\u03b5 \u03ba\u03bf\u03b9\u03bd\u03ac \u03b1\u03c0\u03bf\u03b4\u03b5\u03ba\u03c4\u03bf\u03cd\u03c2 \u03cc\u03c1\u03bf\u03c5\u03c2.<\/p>\n<p>\u03a3\u03c4\u03b7\u03bd \u03c0\u03c1\u03ac\u03be\u03b7, \u03bf\u03b9 \u03b4\u03cd\u03bf \u03ad\u03bd\u03bd\u03bf\u03b9\u03b5\u03c2 <strong>\u03c3\u03c5\u03c7\u03bd\u03ac \u03b5\u03bd\u03b1\u03bb\u03bb\u03ac\u03c3\u03c3\u03bf\u03bd\u03c4\u03b1\u03b9 \u03ba\u03b1\u03b9 \u03b1\u03bb\u03bb\u03b7\u03bb\u03bf\u03c3\u03c5\u03bc\u03c0\u03bb\u03b7\u03c1\u03ce\u03bd\u03bf\u03bd\u03c4\u03b1\u03b9<\/strong> \u03ba\u03b1\u03c4\u03ac \u03c4\u03b7 \u03b4\u03b9\u03ac\u03c1\u03ba\u03b5\u03b9\u03b1 \u03c4\u03b7\u03c2 \u03b5\u03c0\u03b9\u03ba\u03bf\u03b9\u03bd\u03c9\u03bd\u03af\u03b1\u03c2 \u03bc\u03b5 \u03c4\u03bf\u03bd \u03c0\u03b5\u03bb\u03ac\u03c4\u03b7.<\/p>\n<h2><strong>\u0391\u03bd\u03c4\u03b9\u03ba\u03b5\u03af\u03bc\u03b5\u03bd\u03b1 \u03c0\u03bf\u03c5 \u03c7\u03c1\u03b5\u03b9\u03ac\u03b6\u03bf\u03bd\u03c4\u03b1\u03b9 \u0394\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03ac\u03c4\u03b5\u03c5\u03c3\u03b7 \u03c3\u03c4\u03b7\u03bd \u03b1\u03c3\u03c6\u03ac\u03bb\u03b9\u03c3\u03b7<\/strong><\/h2>\n<p><strong>\u00a0<\/strong>\u03a3\u03c4\u03bf\u03bd \u03c4\u03bf\u03bc\u03ad\u03b1 \u03c4\u03b7\u03c2 <strong>\u03b1\u03c3\u03c6\u03ac\u03bb\u03b9\u03c3\u03b7\u03c2<\/strong>, \u03c5\u03c0\u03ac\u03c1\u03c7\u03bf\u03c5\u03bd \u03b1\u03c1\u03ba\u03b5\u03c4\u03ac \u03c3\u03b7\u03bc\u03b5\u03af\u03b1 \u03b5\u03c0\u03b1\u03c6\u03ae\u03c2 \u03bc\u03b5\u03c4\u03b1\u03be\u03cd \u03c0\u03b5\u03bb\u03ac\u03c4\u03b7 \u03ba\u03b1\u03b9 \u03b1\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03c4\u03b9\u03ba\u03bf\u03cd \u03c3\u03c5\u03bc\u03b2\u03bf\u03cd\u03bb\u03bf\u03c5 \u03ae \u03b5\u03c4\u03b1\u03b9\u03c1\u03b5\u03af\u03b1\u03c2, \u03c4\u03b1 \u03bf\u03c0\u03bf\u03af\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03bf\u03cd\u03bd <strong>\u03b1\u03bd\u03c4\u03b9\u03ba\u03b5\u03af\u03bc\u03b5\u03bd\u03b1 \u03b4\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03ac\u03c4\u03b5\u03c5\u03c3\u03b7\u03c2<\/strong>.<\/p>\n<p>\u039f\u03b9 \u03b4\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03b1\u03c4\u03b5\u03cd\u03c3\u03b5\u03b9\u03c2 \u03b1\u03c5\u03c4\u03ad\u03c2 \u03b4\u03b5\u03bd \u03b1\u03c6\u03bf\u03c1\u03bf\u03cd\u03bd \u03b1\u03c0\u03b1\u03c1\u03b1\u03af\u03c4\u03b7\u03c4\u03b1 \u03bc\u03cc\u03bd\u03bf \u03c4\u03b7\u03bd \u03c4\u03b9\u03bc\u03ae, \u03b1\u03bb\u03bb\u03ac \u03ba\u03b1\u03b9 \u03c4\u03b7 <strong>\u03b4\u03bf\u03bc\u03ae, \u03c4\u03b9\u03c2 \u03c0\u03b1\u03c1\u03bf\u03c7\u03ad\u03c2, \u03c4\u03b9\u03c2 \u03b5\u03be\u03b1\u03b9\u03c1\u03ad\u03c3\u03b5\u03b9\u03c2, \u03c4\u03b7 \u03b4\u03b9\u03ac\u03c1\u03ba\u03b5\u03b9\u03b1<\/strong> \u03ba\u03b1\u03b9 \u03ac\u03bb\u03bb\u03b5\u03c2 \u03c0\u03b1\u03c1\u03b1\u03bc\u03ad\u03c4\u03c1\u03bf\u03c5\u03c2 \u03c4\u03bf\u03c5 \u03b1\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03c4\u03b9\u03ba\u03bf\u03cd \u03c3\u03c5\u03bc\u03b2\u03bf\u03bb\u03b1\u03af\u03bf\u03c5 \u03ae \u03c4\u03b7\u03c2 \u03c3\u03c5\u03bd\u03b5\u03c1\u03b3\u03b1\u03c3\u03af\u03b1\u03c2.<\/p>\n<h2><strong>\u00a0<\/strong><strong>\u039a\u03cd\u03c1\u03b9\u03b1 \u0391\u03bd\u03c4\u03b9\u03ba\u03b5\u03af\u03bc\u03b5\u03bd\u03b1 \u0394\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03ac\u03c4\u03b5\u03c5\u03c3\u03b7\u03c2 \u03c3\u03c4\u03b7\u03bd \u0391\u03c3\u03c6\u03ac\u03bb\u03b9\u03c3\u03b7<\/strong><\/h2>\n<p><strong>\u00a0<\/strong><strong style=\"font-size: 16px;\">\u039a\u03ac\u03bb\u03c5\u03c8\u03b7 \u2013 \u03a0\u03b1\u03c1\u03bf\u03c7\u03ad\u03c2<\/strong><\/p>\n<p>\u0395\u03cd\u03c1\u03bf\u03c2 \u03ba\u03b1\u03b9 \u03b5\u03af\u03b4\u03b7 \u03ba\u03b1\u03bb\u03cd\u03c8\u03b5\u03c9\u03bd (\u03c0.\u03c7. \u03b9\u03b1\u03c4\u03c1\u03bf\u03c6\u03b1\u03c1\u03bc\u03b1\u03ba\u03b5\u03c5\u03c4\u03b9\u03ba\u03ac, \u03c6\u03c5\u03c3\u03b9\u03ba\u03ad\u03c2 \u03ba\u03b1\u03c4\u03b1\u03c3\u03c4\u03c1\u03bf\u03c6\u03ad\u03c2), \u0391\u03bd\u03ce\u03c4\u03b1\u03c4\u03b1 \u03cc\u03c1\u03b9\u03b1 \u03ba\u03ac\u03bb\u03c5\u03c8\u03b7\u03c2, \u0391\u03c0\u03b1\u03bb\u03bb\u03b1\u03b3\u03ad\u03c2 \/ \u03b1\u03c6\u03b1\u03b9\u03c1\u03b5\u03c4\u03ad\u03b1 \u03c0\u03bf\u03c3\u03ac (excess \/ deductible), E\u03c0\u03b5\u03ba\u03c4\u03ac\u03c3\u03b5\u03b9\u03c2<\/p>\n<ol start=\"2\">\n<li><strong>\u039a\u03cc\u03c3\u03c4\u03bf\u03c2 \u2013 \u0391\u03c3\u03c6\u03ac\u03bb\u03b9\u03c3\u03c4\u03c1\u03b1<\/strong><\/li>\n<\/ol>\n<p>\u038e\u03c8\u03bf\u03c2 \u03b1\u03c3\u03c6\u03b1\u03bb\u03af\u03c3\u03c4\u03c1\u03bf\u03c5, \u0395\u03ba\u03c0\u03c4\u03ce\u03c3\u03b5\u03b9\u03c2 (\u03c0.\u03c7. \u03c0\u03b1\u03ba\u03ad\u03c4\u03b1, \u03c7\u03c9\u03c1\u03af\u03c2 \u03b6\u03b7\u03bc\u03b9\u03ad\u03c2), \u03a4\u03c1\u03cc\u03c0\u03bf\u03b9 \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ae\u03c2 (\u03b5\u03c6\u03ac\u03c0\u03b1\u03be \u03ae \u03b4\u03cc\u03c3\u03b5\u03b9\u03c2), \u0395\u03c0\u03b9\u03c3\u03c4\u03c1\u03bf\u03c6\u03ae \u03b1\u03c3\u03c6\u03b1\u03bb\u03af\u03c3\u03c4\u03c1\u03c9\u03bd \u03c3\u03b5 \u03b5\u03b9\u03b4\u03b9\u03ba\u03ad\u03c2 \u03c0\u03b5\u03c1\u03b9\u03c0\u03c4\u03ce\u03c3\u03b5\u03b9\u03c2<\/p>\n<ol start=\"3\">\n<li><strong>\u038c\u03c1\u03bf\u03b9 \u03ba\u03b1\u03b9 \u03a0\u03c1\u03bf\u03cb\u03c0\u03bf\u03b8\u03ad\u03c3\u03b5\u03b9\u03c2<\/strong><\/li>\n<\/ol>\n<p>\u03a0\u03b5\u03c1\u03af\u03bf\u03b4\u03bf\u03b9 \u03b1\u03bd\u03b1\u03bc\u03bf\u03bd\u03ae\u03c2, \u0395\u03be\u03b1\u03b9\u03c1\u03ad\u03c3\u03b5\u03b9\u03c2, \u0394\u03b9\u03ac\u03c1\u03ba\u03b5\u03b9\u03b1 \u03ba\u03b1\u03b9 \u03b4\u03c5\u03bd\u03b1\u03c4\u03cc\u03c4\u03b7\u03c4\u03b1 \u03c0\u03c1\u03cc\u03c9\u03c1\u03b7\u03c2 \u03bb\u03cd\u03c3\u03b7\u03c2, \u00a0\u0391\u03c0\u03bf\u03b4\u03bf\u03c7\u03ae \u03ba\u03b9\u03bd\u03b4\u03cd\u03bd\u03bf\u03c5<\/p>\n<ol start=\"4\">\n<li><strong>\u0395\u03be\u03c5\u03c0\u03b7\u03c1\u03ad\u03c4\u03b7\u03c3\u03b7 \u2013 \u03a5\u03c0\u03b7\u03c1\u03b5\u03c3\u03af\u03b5\u03c2<\/strong><\/li>\n<\/ol>\n<p>\u03a4\u03b1\u03c7\u03cd\u03c4\u03b7\u03c4\u03b1 \u03b1\u03c0\u03bf\u03b6\u03b7\u03bc\u03af\u03c9\u03c3\u03b7\u03c2, \u03a0\u03c1\u03cc\u03c3\u03b2\u03b1\u03c3\u03b7 \u03c3\u03b5 \u03b4\u03af\u03ba\u03c4\u03c5\u03b1, \u03a0\u03c1\u03bf\u03c3\u03c9\u03c0\u03b9\u03ba\u03cc\u03c2 \u03c3\u03cd\u03bc\u03b2\u03bf\u03c5\u03bb\u03bf\u03c2 \u03ae online \u03b5\u03be\u03c5\u03c0\u03b7\u03c1\u03ad\u03c4\u03b7\u03c3\u03b7, \u0393\u03bb\u03ce\u03c3\u03c3\u03b1 \u03b5\u03c0\u03b9\u03ba\u03bf\u03b9\u03bd\u03c9\u03bd\u03af\u03b1\u03c2 \u03ba\u03b1\u03b9 \u03b4\u03b9\u03b1\u03c6\u03ac\u03bd\u03b5\u03b9\u03b1<\/p>\n<ol start=\"5\">\n<li><strong>\u0394\u03b9\u03b1\u03c7\u03b5\u03af\u03c1\u03b9\u03c3\u03b7 \u03a3\u03c5\u03bc\u03b2\u03bf\u03bb\u03b1\u03af\u03c9\u03bd<\/strong><\/li>\n<\/ol>\n<p>\u03a4\u03c1\u03bf\u03c0\u03bf\u03c0\u03bf\u03b9\u03ae\u03c3\u03b5\u03b9\u03c2 \u03c3\u03c4\u03b1 \u03c3\u03c5\u03bc\u03b2\u03cc\u03bb\u03b1\u03b9\u03b1, \u0391\u03bd\u03b1\u03bd\u03b5\u03ce\u03c3\u03b5\u03b9\u03c2 \u03ba\u03b1\u03b9 \u03cc\u03c1\u03bf\u03b9 \u03b1\u03c5\u03c4\u03cc\u03bc\u03b1\u03c4\u03b7\u03c2 \u03b1\u03bd\u03b1\u03bd\u03ad\u03c9\u03c3\u03b7\u03c2, \u0394\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03ac\u03c4\u03b5\u03c5\u03c3\u03b7 \u03ba\u03b1\u03c4\u03ac \u03c4\u03b7\u03bd \u03b5\u03c0\u03ad\u03ba\u03c4\u03b1\u03c3\u03b7 \u03c3\u03c5\u03bc\u03b2\u03bf\u03bb\u03b1\u03af\u03bf\u03c5<\/p>\n<ol start=\"6\">\n<li><strong>\u0394\u03b9\u03b1\u03bc\u03b5\u03c3\u03bf\u03bb\u03ac\u03b2\u03b7\u03c3\u03b7 &amp; \u03a0\u03c1\u03bf\u03bc\u03ae\u03b8\u03b5\u03b9\u03b5\u03c2 (\u03c3\u03b5 \u03c3\u03c5\u03bd\u03b5\u03c1\u03b3\u03ac\u03c4\u03b5\u03c2)<\/strong><\/li>\n<\/ol>\n<p>\u038e\u03c8\u03bf\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03c1\u03cc\u03c0\u03bf\u03c2 \u03b1\u03c0\u03cc\u03b4\u03bf\u03c3\u03b7\u03c2 \u03c0\u03c1\u03bf\u03bc\u03b7\u03b8\u03b5\u03b9\u03ce\u03bd, \u0391\u03c0\u03bf\u03ba\u03bb\u03b5\u03b9\u03c3\u03c4\u03b9\u03ba\u03cc\u03c4\u03b7\u03c4\u03b5\u03c2<\/p>\n<h2><strong>\u0397 \u03a3\u03b7\u03bc\u03b1\u03c3\u03af\u03b1 \u03c4\u03b7\u03c2 \u0394\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03ac\u03c4\u03b5\u03c5\u03c3\u03b7\u03c2<\/strong><\/h2>\n<p><strong>\u00a0<\/strong>\u0397 \u03b4\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03ac\u03c4\u03b5\u03c5\u03c3\u03b7 \u03b5\u03af\u03bd\u03b1\u03b9 \u03c0\u03bf\u03bb\u03cd \u00a0\u03ba\u03c1\u03af\u03c3\u03b9\u03bc\u03b7 \u03c3\u03c4\u03b7\u03bd \u03b1\u03c3\u03c6\u03ac\u03bb\u03b9\u03c3\u03b7 \u03b4\u03b9\u03cc\u03c4\u03b9 \u03ad\u03c7\u03b5\u03b9 \u03c4\u03b7 \u03b4\u03c5\u03bd\u03b1\u03bc\u03b9\u03ba\u03ae \u03b3\u03b9\u03b1 \u03bd\u03b1 \u03b1\u03c5\u03be\u03ae\u03c3\u03b5\u03b9 \u03c4\u03b7\u03bd \u03b1\u03bd\u03c4\u03b9\u03bb\u03b7\u03c0\u03c4\u03ae \u03b1\u03be\u03af\u03b1 \u03c4\u03bf\u03c5 \u03c0\u03c1\u03bf\u03ca\u03cc\u03bd\u03c4\u03bf\u03c2, \u03ba\u03b1\u03b9 \u03bd\u03b1 \u03b4\u03b7\u03bc\u03b9\u03bf\u03c5\u03c1\u03b3\u03ae\u03c3\u03b5\u03b9 \u03c4\u03b7\u03bd \u03b1\u03c0\u03b1\u03c1\u03b1\u03af\u03c4\u03b7\u03c4\u03b7 \u03b5\u03bc\u03c0\u03b9\u03c3\u03c4\u03bf\u03c3\u03cd\u03bd\u03b7 \u03c4\u03bf\u03c5 \u03c0\u03b5\u03bb\u03ac\u03c4\u03b7.<\/p>\n<p>\u0391\u03c5\u03c4\u03cc \u03c3\u03c5\u03bd\u03b5\u03c0\u03ac\u03b3\u03b5\u03c4\u03b1\u03b9 \u03ac\u03bc\u03b5\u03c3\u03b1 \u03c4\u03b7\u03bd \u03c0\u03c1\u03bf\u03c3\u03b1\u03c1\u03bc\u03bf\u03b3\u03ae \u03c4\u03bf\u03c5 \u03c0\u03c1\u03bf\u03ca\u03cc\u03bd\u03c4\u03bf\u03c2 \u03c3\u03c4\u03b9\u03c2 \u03b1\u03bd\u03ac\u03b3\u03ba\u03b5\u03c2 \u03c4\u03bf\u03c5 \u03c0\u03b5\u03bb\u03ac\u03c4\u03b7 \u03c0\u03bf\u03c5 \u03b5\u03af\u03bd\u03b1\u03b9 \u03ba\u03b1\u03b9 \u03bf \u03b2\u03b1\u03c3\u03b9\u03ba\u03cc\u03c4\u03b5\u03c1\u03bf\u03c2 \u03c3\u03ba\u03bf\u03c0\u03cc\u03c2 \u03c4\u03bf\u03c5 \u03b1\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03c4\u03b9\u03ba\u03bf\u03cd \u03c0\u03c1\u03ac\u03ba\u03c4\u03bf\u03c1\u03b1 \u03ae \u03c3\u03c5\u03bc\u03b2\u03bf\u03cd\u03bb\u03bf\u03c5.<\/p>\n<p>\u0395\u03c0\u03af\u03c3\u03b7\u03c2, \u03b7 \u03b4\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03ac\u03c4\u03b5\u03c5\u03c3\u03b7 \u03c3\u03c4\u03b7\u03bd \u03b1\u03c3\u03c6\u03ac\u03bb\u03b9\u03c3\u03b7 \u03b2\u03bf\u03b7\u03b8\u03ac \u03c4\u03b7\u03bd \u03b4\u03b9\u03b1\u03c4\u03ae\u03c1\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03c0\u03b5\u03bb\u03b1\u03c4\u03ce\u03bd, \u03b5\u03b9\u03b4\u03b9\u03ba\u03ac \u03ba\u03b1\u03c4\u03ac \u03c4\u03b7\u03bd \u03b1\u03bd\u03b1\u03bd\u03ad\u03c9\u03c3\u03b7 \u03ae \u03cc\u03c4\u03b1\u03bd \u03c5\u03c0\u03ac\u03c1\u03c7\u03b5\u03b9 \u03ac\u03bb\u03bb\u03b7 \u03c0\u03c1\u03bf\u03c3\u03c6\u03bf\u03c1\u03ac \u03b1\u03c0\u03cc \u03b1\u03bd\u03c4\u03b1\u03b3\u03c9\u03bd\u03b9\u03c3\u03c4\u03ae.<\/p>\n<h2><strong>\u00a0<\/strong><strong>\u0397 \u03c7\u03c1\u03ae\u03c3\u03b7 \u03c4\u03bf\u03c5 \u03bc\u03bf\u03bd\u03c4\u03ad\u03bb\u03bf\u03c5 <\/strong><strong>SCARF<\/strong><strong> \u03c3\u03c4\u03b7\u03bd \u03b5\u03c0\u03b9\u03ba\u03bf\u03b9\u03bd\u03c9\u03bd\u03af\u03b1 \u03ba\u03b1\u03b9 \u03b4\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03ac\u03c4\u03b5\u03c5\u03c3\u03b7 \u03c3\u03c4\u03bf\u03bd \u03c4\u03bf\u03bc\u03ad\u03b1 \u03c4\u03b7\u03c2 \u03b1\u03c3\u03c6\u03ac\u03bb\u03b9\u03c3\u03b7\u03c2<\/strong><\/h2>\n<p><strong>\u00a0<\/strong>\u0397 \u03c7\u03c1\u03ae\u03c3\u03b7 \u03c4\u03bf\u03c5 \u03bc\u03bf\u03bd\u03c4\u03ad\u03bb\u03bf\u03c5 SCARF (Status, Certainty, Autonomy, Relatedness, Fairness), \u03c4\u03bf \u03bf\u03c0\u03bf\u03af\u03bf \u03b1\u03bd\u03ad\u03c0\u03c4\u03c5\u03be\u03b5 \u03bf David Rock<a href=\"#_ftn1\" name=\"_ftnref1\">[1]<\/a>, \u03bc\u03c0\u03bf\u03c1\u03b5\u03af \u03bd\u03b1 \u03c0\u03c1\u03bf\u03c3\u03c6\u03ad\u03c1\u03b5\u03b9 \u03bf\u03c5\u03c3\u03b9\u03b1\u03c3\u03c4\u03b9\u03ba\u03ac \u03c0\u03bb\u03b5\u03bf\u03bd\u03b5\u03ba\u03c4\u03ae\u03bc\u03b1\u03c4\u03b1 \u03c3\u03c4\u03b7\u03bd <strong>\u03b5\u03c0\u03b9\u03ba\u03bf\u03b9\u03bd\u03c9\u03bd\u03af\u03b1 \u03ba\u03b1\u03b9 \u03b4\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03ac\u03c4\u03b5\u03c5\u03c3\u03b7 \u03c3\u03c4\u03bf\u03bd \u03c4\u03bf\u03bc\u03ad\u03b1 \u03c4\u03b7\u03c2 \u03b1\u03c3\u03c6\u03ac\u03bb\u03b9\u03c3\u03b7\u03c2<\/strong>, \u03cc\u03c0\u03bf\u03c5 \u03b7 \u03b5\u03bc\u03c0\u03b9\u03c3\u03c4\u03bf\u03c3\u03cd\u03bd\u03b7, \u03b7 \u03b4\u03b9\u03b1\u03c6\u03ac\u03bd\u03b5\u03b9\u03b1 \u03ba\u03b1\u03b9 \u03b7 \u03c0\u03b5\u03b9\u03b8\u03ce \u03b5\u03af\u03bd\u03b1\u03b9 \u03ba\u03b1\u03b8\u03bf\u03c1\u03b9\u03c3\u03c4\u03b9\u03ba\u03bf\u03af \u03c0\u03b1\u03c1\u03ac\u03b3\u03bf\u03bd\u03c4\u03b5\u03c2 \u03b5\u03c0\u03b9\u03c4\u03c5\u03c7\u03af\u03b1\u03c2.<\/p>\n<p>\u0391\u03c2 \u03c0\u03c1\u03bf\u03c3\u03c0\u03b1\u03b8\u03ae\u03c3\u03bf\u03c5\u03bc\u03b5 \u03bd\u03b1 \u03b1\u03bd\u03b1\u03bb\u03cd\u03c3\u03bf\u03c5\u03bc\u03b5\u00a0 \u03b5\u03b4\u03ce \u03c0\u03ce\u03c2 \u03bc\u03c0\u03bf\u03c1\u03b5\u03af \u03bd\u03b1 \u03b5\u03c6\u03b1\u03c1\u03bc\u03bf\u03c3\u03c4\u03b5\u03af \u03c4\u03bf SCARF \u03c3\u03c4\u03b9\u03c2 \u03b5\u03c0\u03b9\u03ba\u03bf\u03b9\u03bd\u03c9\u03bd\u03b9\u03b1\u03ba\u03ad\u03c2 \u03ba\u03b1\u03b9 \u03b4\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03b1\u03c4\u03b5\u03c5\u03c4\u03b9\u03ba\u03ad\u03c2 \u03c3\u03c4\u03c1\u03b1\u03c4\u03b7\u03b3\u03b9\u03ba\u03ad\u03c2 \u03b1\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03c4\u03b9\u03ba\u03ce\u03bd \u03b5\u03c0\u03b1\u03b3\u03b3\u03b5\u03bb\u03bc\u03b1\u03c4\u03b9\u03ce\u03bd:<\/p>\n<h2><strong>\u03a4\u03b9 \u03b5\u03af\u03bd\u03b1\u03b9 \u03c4\u03bf \u03bc\u03bf\u03bd\u03c4\u03ad\u03bb\u03bf <\/strong><strong>SCARF<\/strong><strong>;<\/strong><\/h2>\n<p><strong>\u00a0<\/strong>\u03a4\u03bf \u03bc\u03bf\u03bd\u03c4\u03ad\u03bb\u03bf SCARF \u03b5\u03bd\u03c3\u03c9\u03bc\u03b1\u03c4\u03ce\u03bd\u03b5\u03b9 \u03c0\u03ad\u03bd\u03c4\u03b5 \u03b2\u03b1\u03c3\u03b9\u03ba\u03bf\u03cd\u03c2 \u03ba\u03bf\u03b9\u03bd\u03c9\u03bd\u03b9\u03ba\u03bf\u03cd\u03c2 \u03c0\u03b1\u03c1\u03ac\u03b3\u03bf\u03bd\u03c4\u03b5\u03c2 \u03c0\u03bf\u03c5 \u03b5\u03c0\u03b7\u03c1\u03b5\u03ac\u03b6\u03bf\u03c5\u03bd \u03c4\u03b7\u03bd \u03b1\u03bd\u03b8\u03c1\u03ce\u03c0\u03b9\u03bd\u03b7 \u03c3\u03c5\u03bc\u03c0\u03b5\u03c1\u03b9\u03c6\u03bf\u03c1\u03ac \u03ba\u03b1\u03b9 \u03b1\u03c0\u03cc\u03ba\u03c1\u03b9\u03c3\u03b7:<\/p>\n<p><strong>Status<\/strong><strong> (\u039a\u03b1\u03c4\u03ac\u03c3\u03c4\u03b1\u03c3\u03b7): <\/strong>\u0397 \u03b8\u03ad\u03c3\u03b7 \u03ba\u03ac\u03c0\u03bf\u03b9\u03bf\u03c5 \u03c3\u03b5 \u03c3\u03c7\u03ad\u03c3\u03b7 \u03bc\u03b5 \u03ac\u03bb\u03bb\u03bf\u03c5\u03c2 \u2013 \u03ba\u03bf\u03b9\u03bd\u03c9\u03bd\u03b9\u03ba\u03ae \u03ae \u03b5\u03c0\u03b1\u03b3\u03b3\u03b5\u03bb\u03bc\u03b1\u03c4\u03b9\u03ba\u03ae.<\/p>\n<p><strong>Certainty<\/strong><strong> (\u0392\u03b5\u03b2\u03b1\u03b9\u03cc\u03c4\u03b7\u03c4\u03b1): <\/strong>\u0397 \u03b1\u03bd\u03ac\u03b3\u03ba\u03b7 \u03b3\u03b9\u03b1 \u03c0\u03c1\u03cc\u03b2\u03bb\u03b5\u03c8\u03b7 \u03ba\u03b1\u03b9 \u03c3\u03b1\u03c6\u03ae\u03bd\u03b5\u03b9\u03b1.<\/p>\n<p><strong>Autonomy<\/strong><strong> (\u0391\u03c5\u03c4\u03bf\u03bd\u03bf\u03bc\u03af\u03b1): <\/strong>\u0397 \u03b1\u03af\u03c3\u03b8\u03b7\u03c3\u03b7 \u03b5\u03bb\u03ad\u03b3\u03c7\u03bf\u03c5 \u03ba\u03b1\u03b9 \u03b5\u03c0\u03b9\u03bb\u03bf\u03b3\u03ae\u03c2.<\/p>\n<p><strong>Relatedness<\/strong><strong> (\u03a3\u03c5\u03bd\u03b4\u03b5\u03c3\u03b9\u03bc\u03cc\u03c4\u03b7\u03c4\u03b1): <\/strong>\u0397 \u03b1\u03af\u03c3\u03b8\u03b7\u03c3\u03b7 \u03c3\u03cd\u03bd\u03b4\u03b5\u03c3\u03b7\u03c2 \u03ba\u03b1\u03b9 \u03b5\u03bc\u03c0\u03b9\u03c3\u03c4\u03bf\u03c3\u03cd\u03bd\u03b7\u03c2 \u03c0\u03c1\u03bf\u03c2 \u03c4\u03bf\u03c5\u03c2 \u03ac\u03bb\u03bb\u03bf\u03c5\u03c2.<\/p>\n<p><strong>Fairness<\/strong><strong> (\u0394\u03b9\u03ba\u03b1\u03b9\u03bf\u03c3\u03cd\u03bd\u03b7): <\/strong>\u0397 \u03b1\u03bd\u03c4\u03af\u03bb\u03b7\u03c8\u03b7 \u03c0\u03b5\u03c1\u03af \u03b4\u03b9\u03ba\u03b1\u03af\u03bf\u03c5 \u03c3\u03c4\u03b7\u03bd \u03b1\u03bd\u03c4\u03b1\u03bb\u03bb\u03b1\u03b3\u03ae \u03ae \u03c3\u03c5\u03bd\u03b5\u03c1\u03b3\u03b1\u03c3\u03af\u03b1.<\/p>\n<h2><strong>\u0395\u03c6\u03b1\u03c1\u03bc\u03bf\u03b3\u03ae \u03c4\u03bf\u03c5 <\/strong><strong>SCARF<\/strong> <strong>\u03c3\u03c4\u03b7\u03bd \u0395\u03c0\u03b9\u03ba\u03bf\u03b9\u03bd\u03c9\u03bd\u03af\u03b1 \u03c3\u03c4\u03bf\u03bd \u0391\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03c4\u03b9\u03ba\u03cc \u03a4\u03bf\u03bc\u03ad\u03b1<\/strong><\/h2>\n<p><strong>\u00a0<\/strong><strong>Status<\/strong>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 &#8211; \u03a3\u03b5\u03b2\u03b1\u03c3\u03bc\u03cc\u03c2 \u03c3\u03c4\u03bf\u03bd \u03c0\u03b5\u03bb\u03ac\u03c4\u03b7, \u03b1\u03bd\u03b1\u03b3\u03bd\u03ce\u03c1\u03b9\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03b5\u03bc\u03c0\u03b5\u03b9\u03c1\u03af\u03b1\u03c2 \u03c4\u03bf\u03c5 (\u03c0.\u03c7. \u201c\u039a\u03b1\u03c4\u03b1\u03bb\u03b1\u03b2\u03b1\u03af\u03bd\u03c9 \u03cc\u03c4\u03b9 \u03ad\u03c7\u03b5\u03c4\u03b5 \u03b5\u03bc\u03c0\u03b5\u03b9\u03c1\u03af\u03b1 \u03c3\u03c4\u03b7\u03bd \u03b1\u03b3\u03bf\u03c1\u03ac\u201d).<\/p>\n<p><strong>Certainty<\/strong> &#8211; \u03a0\u03b1\u03c1\u03bf\u03c7\u03ae \u03c3\u03b1\u03c6\u03ce\u03bd \u03b5\u03be\u03b7\u03b3\u03ae\u03c3\u03b5\u03c9\u03bd \u03b3\u03b9\u03b1 \u03c0\u03c1\u03bf\u03ca\u03cc\u03bd\u03c4\u03b1, \u03b4\u03b9\u03b1\u03b4\u03b9\u03ba\u03b1\u03c3\u03af\u03b5\u03c2 \u03b1\u03c0\u03bf\u03b6\u03b7\u03bc\u03af\u03c9\u03c3\u03b7\u03c2 \u03ba\u03b1\u03b9 \u03cc\u03c1\u03bf\u03c5\u03c2 \u03c3\u03c5\u03bc\u03b2\u03bf\u03bb\u03b1\u03af\u03c9\u03bd. \u0391\u03c0\u03bf\u03c6\u03c5\u03b3\u03ae \u03c4\u03b5\u03c7\u03bd\u03b9\u03ba\u03ae\u03c2 \u03c6\u03c1\u03b1\u03c3\u03b5\u03bf\u03bb\u03bf\u03b3\u03af\u03b1\u03c2 \u03c7\u03c9\u03c1\u03af\u03c2 \u03b5\u03c0\u03b5\u03be\u03ae\u03b3\u03b7\u03c3\u03b7.<\/p>\n<p><strong>Autonomy<\/strong> &#8211; \u0394\u03b7\u03bc\u03b9\u03bf\u03c5\u03c1\u03b3\u03af\u03b1 \u03b5\u03c0\u03b9\u03bb\u03bf\u03b3\u03ce\u03bd \u03c3\u03c4\u03bf\u03c5\u03c2 \u03c0\u03b5\u03bb\u03ac\u03c4\u03b5\u03c2 (\u03c0.\u03c7. \u03c0\u03b1\u03ba\u03ad\u03c4\u03b1 \u03ba\u03ac\u03bb\u03c5\u03c8\u03b7\u03c2, \u03b5\u03c5\u03b5\u03bb\u03b9\u03be\u03af\u03b1 \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ce\u03bd). \u0395\u03c0\u03b9\u03c4\u03c1\u03ad\u03c8\u03c4\u03b5 \u03c4\u03bf\u03c5\u03c2 \u03bd\u03b1 \u03b1\u03b9\u03c3\u03b8\u03b1\u03bd\u03b8\u03bf\u03cd\u03bd \u03cc\u03c4\u03b9 \u03b5\u03bb\u03ad\u03b3\u03c7\u03bf\u03c5\u03bd \u03c4\u03b7\u03bd \u03b1\u03c0\u03cc\u03c6\u03b1\u03c3\u03ae \u03c4\u03bf\u03c5\u03c2.<\/p>\n<p><strong>Relatedness<\/strong> &#8211; \u0394\u03b7\u03bc\u03b9\u03bf\u03c5\u03c1\u03b3\u03af\u03b1 \u03c3\u03c7\u03ad\u03c3\u03b7\u03c2 \u03b5\u03bc\u03c0\u03b9\u03c3\u03c4\u03bf\u03c3\u03cd\u03bd\u03b7\u03c2. \u039c\u03b9\u03bb\u03ae\u03c3\u03c4\u03b5 \u03b1\u03bd\u03b8\u03c1\u03ce\u03c0\u03b9\u03bd\u03b1, \u03cc\u03c7\u03b9 \u201c\u03c4\u03b5\u03c7\u03bd\u03bf\u03ba\u03c1\u03b1\u03c4\u03b9\u03ba\u03ac\u201d. \u039c\u03bf\u03b9\u03c1\u03b1\u03c3\u03c4\u03b5\u03af\u03c4\u03b5 \u03b1\u03bb\u03b7\u03b8\u03b9\u03bd\u03ac \u03c0\u03b5\u03c1\u03b9\u03c3\u03c4\u03b1\u03c4\u03b9\u03ba\u03ac \u03ae \u03b5\u03bc\u03c0\u03b5\u03b9\u03c1\u03af\u03b5\u03c2.<\/p>\n<p><strong>Fairness<\/strong> \u2013 \u0395\u03c0\u03b5\u03be\u03ae\u03b3\u03b7\u03c3\u03b7 \u03c4\u03bf\u03c5 \u03c4\u03c1\u03cc\u03c0\u03bf\u03c5 \u03c4\u03b9\u03bc\u03bf\u03bb\u03cc\u03b3\u03b7\u03c3\u03b7 \u03c4\u03bf\u03c5 \u03b1\u03c3\u03c6\u03b1\u03bb\u03af\u03c3\u03c4\u03c1\u03bf\u03c5 \u03ba\u03b1\u03b9 \u03b3\u03b9\u03b1\u03c4\u03af \u03c3\u03c5\u03b3\u03ba\u03b5\u03ba\u03c1\u03b9\u03bc\u03ad\u03bd\u03b5\u03c2 \u03ba\u03b1\u03bb\u03cd\u03c8\u03b5\u03b9\u03c2 \u03ba\u03bf\u03c3\u03c4\u03af\u03b6\u03bf\u03c5\u03bd \u03c0\u03b5\u03c1\u03b9\u03c3\u03c3\u03cc\u03c4\u03b5\u03c1\u03bf. \u03a7\u03c1\u03b7\u03c3\u03b9\u03bc\u03bf\u03c0\u03bf\u03b9\u03ae\u03c3\u03c4\u03b5 \u03c0\u03b1\u03c1\u03b1\u03b4\u03b5\u03af\u03b3\u03bc\u03b1\u03c4\u03b1 \u03b3\u03b9\u03b1 \u03bd\u03b1 \u03b1\u03c0\u03bf\u03b4\u03b5\u03af\u03be\u03b5\u03c4\u03b5 \u03c4\u03b7\u03bd \u03b1\u03be\u03af\u03b1.<\/p>\n<h2><strong>\u00a0<\/strong><strong>\u0395\u03c6\u03b1\u03c1\u03bc\u03bf\u03b3\u03ae \u03c3\u03c4\u03b7 \u0394\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03ac\u03c4\u03b5\u03c5\u03c3\u03b7 (\u03c0.\u03c7. \u03bc\u03b5 \u03c0\u03b5\u03bb\u03ac\u03c4\u03b5\u03c2 \u03ae \u03c3\u03c5\u03bd\u03b5\u03c1\u03b3\u03ac\u03c4\u03b5\u03c2)<\/strong><\/h2>\n<p><strong>Status<\/strong> &#8211; \u03b1\u03bd\u03b1\u03b3\u03bd\u03ce\u03c1\u03b9\u03c3\u03b7 \u03c4\u03bf\u03c5 \u03c1\u03cc\u03bb\u03bf\u03c5 \u03ba\u03b1\u03b9 \u03c4\u03b7\u03c2 \u03b3\u03bd\u03ce\u03c3\u03b7\u03c2 \u03c4\u03bf\u03c5 \u03c3\u03c5\u03bd\u03bf\u03bc\u03b9\u03bb\u03b7\u03c4\u03ae. \u039c\u03b7\u03bd \u03c4\u03bf\u03bd\/\u03c4\u03b7\u03bd \u03bc\u03b5\u03b9\u03ce\u03bd\u03b5\u03c4\u03b5 \u03ae \u03c0\u03c1\u03bf\u03c3\u03c0\u03b1\u03b8\u03b5\u03af\u03c4\u03b5 \u03bd\u03b1 \u03b5\u03c0\u03b9\u03b2\u03ac\u03bb\u03b5\u03c4\u03b5 \u03c4\u03b7\u03bd \u03ac\u03c0\u03bf\u03c8\u03b7 \u03c3\u03b1\u03c2.<\/p>\n<p><strong>Certainty<\/strong> &#8211; \u03a0\u03b1\u03c1\u03bf\u03c7\u03ae \u03c3\u03b1\u03c6\u03ce\u03bd \u03c7\u03c1\u03bf\u03bd\u03bf\u03b4\u03b9\u03b1\u03b3\u03c1\u03b1\u03bc\u03bc\u03ac\u03c4\u03c9\u03bd, \u03c0\u03b5\u03c1\u03b9\u03b3\u03c1\u03b1\u03c6\u03ae \u03b2\u03ae\u03bc\u03b1 \u03c0\u03c1\u03bf\u03c2 \u03b2\u03ae\u03bc\u03b1 \u03c4\u03b7\u03c2 \u03b4\u03b9\u03b1\u03b4\u03b9\u03ba\u03b1\u03c3\u03af\u03b1. \u039c\u03b5\u03b9\u03ce\u03c3\u03c4\u03b5 \u03c4\u03b7\u03bd \u03b1\u03b2\u03b5\u03b2\u03b1\u03b9\u03cc\u03c4\u03b7\u03c4\u03b1 \u03b3\u03cd\u03c1\u03c9 \u03b1\u03c0\u03cc \u03c4\u03bf \u03c4\u03b9 \u03b8\u03b1 \u03c3\u03c5\u03bc\u03b2\u03b5\u03af \u03bc\u03b5\u03c4\u03ac \u03c4\u03b7 \u03c3\u03c5\u03bc\u03c6\u03c9\u03bd\u03af\u03b1.<\/p>\n<p><strong>Autonomy<\/strong> &#8211; \u03a0\u03c1\u03cc\u03c4\u03b1\u03c3\u03b7 \u03bb\u03cd\u03c3\u03b5\u03c9\u03bd, \u03cc\u03c7\u03b9 \u03c4\u03b5\u03bb\u03b5\u03c3\u03af\u03b3\u03c1\u03b1\u03c6\u03b1. \u0395\u03c0\u03b9\u03c4\u03c1\u03ad\u03c8\u03c4\u03b5 \u03c3\u03c4\u03bf \u03ac\u03bb\u03bb\u03bf \u03bc\u03ad\u03c1\u03bf\u03c2 \u03bd\u03b1 \u03c0\u03c1\u03bf\u03c4\u03b5\u03af\u03bd\u03b5\u03b9 \u03b5\u03bd\u03b1\u03bb\u03bb\u03b1\u03ba\u03c4\u03b9\u03ba\u03ad\u03c2.<\/p>\n<p><strong>Relatedness<\/strong> &#8211; \u03bf\u03b9\u03ba\u03bf\u03b4\u03cc\u03bc\u03b7\u03c3\u03b7 \u03ba\u03bf\u03b9\u03bd\u03bf\u03cd \u03b5\u03b4\u03ac\u03c6\u03bf\u03c5\u03c2 \u2013 \u03ba\u03bf\u03b9\u03bd\u03ac \u03c3\u03c5\u03bc\u03c6\u03ad\u03c1\u03bf\u03bd\u03c4\u03b1 \u03ae \u03b1\u03be\u03af\u03b5\u03c2. \u0394\u03b5\u03af\u03be\u03c4\u03b5 \u03ba\u03b1\u03c4\u03b1\u03bd\u03cc\u03b7\u03c3\u03b7 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03ac\u03bb\u03bb\u03b7 \u03c0\u03bb\u03b5\u03c5\u03c1\u03ac.<\/p>\n<p><strong>Fairness<\/strong> &#8211; \u0395\u03c0\u03b5\u03be\u03ae\u03b3\u03b7\u03c3\u03b7 \u03c0\u03ce\u03c2 \u03b7 \u03c0\u03c1\u03cc\u03c4\u03b1\u03c3\u03ae \u03c3\u03b1\u03c2 \u03b5\u03af\u03bd\u03b1\u03b9 \u03b4\u03af\u03ba\u03b1\u03b9\u03b7 \u03b3\u03b9\u03b1 \u03cc\u03bb\u03b1 \u03c4\u03b1 \u03bc\u03ad\u03c1\u03b7. \u0391\u03c0\u03bf\u03c6\u03cd\u03b3\u03b5\u03c4\u03b5 \u03bd\u03b1 \u03c6\u03b1\u03bd\u03b5\u03af \u03cc\u03c4\u03b9 \u201c\u03b5\u03ba\u03bc\u03b5\u03c4\u03b1\u03bb\u03bb\u03b5\u03cd\u03b5\u03c3\u03c4\u03b5\u201d \u03c4\u03b7 \u03c3\u03c7\u03ad\u03c3\u03b7.<\/p>\n<h2><strong>\u00a0<\/strong><strong>\u03a0\u03bb\u03b5\u03bf\u03bd\u03b5\u03ba\u03c4\u03ae\u03bc\u03b1\u03c4\u03b1 \u03b1\u03c0\u03cc \u03c4\u03b7 \u03c7\u03c1\u03ae\u03c3\u03b7 \u03c4\u03bf\u03c5 <\/strong><strong>SCARF<\/strong><strong> \u03c3\u03c4\u03b7\u03bd \u03b1\u03c3\u03c6\u03ac\u03bb\u03b9\u03c3\u03b7<\/strong><\/h2>\n<p><strong>\u00a0<\/strong>\u03a4\u03bf \u03bc\u03bf\u03bd\u03c4\u03ad\u03bb\u03bf <strong>SCARF<\/strong> \u03bc\u03c0\u03bf\u03c1\u03b5\u03af \u03bd\u03b1 \u03c0\u03c1\u03bf\u03c3\u03c6\u03ad\u03c1\u03b5\u03b9 \u03ad\u03bd\u03b1 \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03cc \u03b1\u03c1\u03b9\u03b8\u03bc\u03cc \u03c9\u03c6\u03b5\u03bb\u03b7\u03bc\u03ac\u03c4\u03c9\u03bd \u03b3\u03b9\u03b1 \u03c4\u03bf\u03bd \u03c4\u03bf\u03bc\u03ad\u03b1 \u03c4\u03b7\u03c2 \u03b1\u03c3\u03c6\u03ac\u03bb\u03b9\u03c3\u03b7\u03c2 \u03bc\u03b5 \u03b2\u03b1\u03c3\u03b9\u03ba\u03cc\u03c4\u03b5\u03c1\u03b1 \u03b1\u03c0\u03cc \u03b1\u03c5\u03c4\u03ac \u03c4\u03b7\u03bd \u0395\u03bd\u03af\u03c3\u03c7\u03c5\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03b5\u03bc\u03c0\u03b9\u03c3\u03c4\u03bf\u03c3\u03cd\u03bd\u03b7\u03c2 \u03bc\u03b5\u03c4\u03b1\u03be\u03cd \u03c0\u03b5\u03bb\u03ac\u03c4\u03b7 \u03ba\u03b1\u03b9 \u03b1\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03c4\u03ae, \u03c4\u03b7\u03bd \u039a\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b7 \u03c3\u03c5\u03bc\u03bc\u03cc\u03c1\u03c6\u03c9\u03c3\u03b7 \u03c4\u03c9\u03bd \u03c0\u03b5\u03bb\u03b1\u03c4\u03ce\u03bd \u03bc\u03b5 \u03c4\u03b9\u03c2 \u03c0\u03c1\u03bf\u03c4\u03b5\u03b9\u03bd\u03cc\u03bc\u03b5\u03bd\u03b5\u03c2 \u03bb\u03cd\u03c3\u03b5\u03b9\u03c2, \u03c4\u03b7\u03bd \u039c\u03b5\u03af\u03c9\u03c3\u03b7 \u03c0\u03b9\u03b8\u03b1\u03bd\u03ce\u03bd \u03b5\u03bd\u03c4\u03ac\u03c3\u03b5\u03c9\u03bd \u03ba\u03b1\u03b9 \u03c0\u03b1\u03c1\u03b5\u03be\u03b7\u03b3\u03ae\u03c3\u03b5\u03c9\u03bd \u03c3\u03b5 \u03b4\u03cd\u03c3\u03ba\u03bf\u03bb\u03b5\u03c2 \u03b4\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03b1\u03c4\u03b5\u03cd\u03c3\u03b5\u03b9\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03b7\u03bd \u0392\u03b5\u03bb\u03c4\u03af\u03c9\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03b4\u03b9\u03b1\u03c4\u03ae\u03c1\u03b7\u03c3\u03b7\u03c2 \u03c4\u03c9\u03bd \u03c0\u03b5\u03bb\u03b1\u03c4\u03ce\u03bd (retention).<\/p>\n<p>\u0397 \u03b5\u03c6\u03b1\u03c1\u03bc\u03bf\u03b3\u03ae \u03c4\u03bf\u03c5 \u03bc\u03bf\u03bd\u03c4\u03ad\u03bb\u03bf\u03c5 <strong>SCARF<\/strong> \u03c3\u03c4\u03bf\u03bd \u03b1\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03c4\u03b9\u03ba\u03cc \u03c4\u03bf\u03bc\u03ad\u03b1 \u03c0\u03c1\u03bf\u03c3\u03c6\u03ad\u03c1\u03b5\u03b9 \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03ac \u03c0\u03bb\u03b5\u03bf\u03bd\u03b5\u03ba\u03c4\u03ae\u03bc\u03b1\u03c4\u03b1, \u03c4\u03cc\u03c3\u03bf \u03c3\u03c4\u03b7\u03bd \u03b5\u03be\u03c5\u03c0\u03b7\u03c1\u03ad\u03c4\u03b7\u03c3\u03b7 \u03c0\u03b5\u03bb\u03b1\u03c4\u03ce\u03bd, \u03cc\u03c3\u03bf \u03ba\u03b1\u03b9 \u03c3\u03c4\u03b7 \u03b2\u03b5\u03bb\u03c4\u03af\u03c9\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b4\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03b1\u03c4\u03b5\u03cd\u03c3\u03b5\u03c9\u03bd, \u03c4\u03b7\u03c2 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03b5\u03c3\u03bc\u03b1\u03c4\u03b9\u03ba\u03cc\u03c4\u03b7\u03c4\u03b1\u03c2 \u03c4\u03c9\u03bd \u03c0\u03c9\u03bb\u03ae\u03c3\u03b5\u03c9\u03bd \u03ba\u03b1\u03b9 \u03c4\u03b7\u03c2 \u03b5\u03c3\u03c9\u03c4\u03b5\u03c1\u03b9\u03ba\u03ae\u03c2 \u03c3\u03c5\u03bd\u03b5\u03c1\u03b3\u03b1\u03c3\u03af\u03b1\u03c2.<\/p>\n<h2><strong>\u00a0<\/strong><strong>\u03a0\u03bb\u03b5\u03bf\u03bd\u03b5\u03ba\u03c4\u03ae\u03bc\u03b1\u03c4\u03b1 \u0395\u03c6\u03b1\u03c1\u03bc\u03bf\u03b3\u03ae\u03c2 <\/strong><strong>SCARF<\/strong><strong> \u03c3\u03c4\u03bf\u03bd \u03a4\u03bf\u03bc\u03ad\u03b1 \u03c4\u03b7\u03c2 \u0391\u03c3\u03c6\u03ac\u03bb\u03b9\u03c3\u03b7\u03c2<\/strong><\/h2>\n<p><strong>\u00a0<\/strong><strong style=\"font-size: 16px;\">\u03a3\u03c7\u03ad\u03c3\u03b7 \u03bc\u03b5 \u03c0\u03b5\u03bb\u03ac\u03c4\u03b5\u03c2<\/strong><span style=\"font-size: 16px;\"> &#8211; \u0395\u03bd\u03af\u03c3\u03c7\u03c5\u03c3\u03b7 \u03b5\u03bc\u03c0\u03b9\u03c3\u03c4\u03bf\u03c3\u03cd\u03bd\u03b7\u03c2 \u03ba\u03b1\u03b9 \u03b9\u03ba\u03b1\u03bd\u03bf\u03c0\u03bf\u03af\u03b7\u03c3\u03b7\u03c2 \u03c0\u03b5\u03bb\u03ac\u03c4\u03b7 \u03bc\u03ad\u03c3\u03b1 \u03b1\u03c0\u03cc \u03b1\u03bd\u03b8\u03c1\u03ce\u03c0\u03b9\u03bd\u03b7, \u03b4\u03b9\u03b1\u03c6\u03b1\u03bd\u03ae \u03ba\u03b1\u03b9 \u03b5\u03be\u03b1\u03c4\u03bf\u03bc\u03b9\u03ba\u03b5\u03c5\u03bc\u03ad\u03bd\u03b7 \u03c0\u03c1\u03bf\u03c3\u03ad\u03b3\u03b3\u03b9\u03c3\u03b7.<\/span><\/p>\n<ol>\n<li><strong> \u03a0\u03c9\u03bb\u03ae\u03c3\u03b5\u03b9\u03c2<\/strong> &#8211; \u0391\u03c5\u03be\u03b7\u03bc\u03ad\u03bd\u03b1 \u03c0\u03bf\u03c3\u03bf\u03c3\u03c4\u03ac \u03bc\u03b5\u03c4\u03b1\u03c4\u03c1\u03bf\u03c0\u03ae\u03c2 (conversion) \u03bc\u03ad\u03c3\u03c9 \u03b4\u03b9\u03b1\u03bb\u03cc\u03b3\u03bf\u03c5 \u03c0\u03bf\u03c5 \u03b5\u03bd\u03b5\u03c1\u03b3\u03bf\u03c0\u03bf\u03b9\u03b5\u03af \u03b8\u03b5\u03c4\u03b9\u03ba\u03ac \u03c3\u03c5\u03bd\u03b1\u03b9\u03c3\u03b8\u03ae\u03bc\u03b1\u03c4\u03b1 \u03ba\u03b1\u03b9 \u03bc\u03b5\u03b9\u03ce\u03bd\u03b5\u03b9 \u03ac\u03bc\u03c5\u03bd\u03b5\u03c2.<\/li>\n<li><strong> \u0394\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03b1\u03c4\u03b5\u03cd\u03c3\u03b5\u03b9\u03c2 <\/strong> &#8211; \u039a\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b7 \u03c3\u03c5\u03bd\u03b5\u03c1\u03b3\u03b1\u03c3\u03af\u03b1 \u03bc\u03b5 \u03c0\u03b5\u03bb\u03ac\u03c4\u03b5\u03c2 \u03ae \u03c3\u03c5\u03bd\u03b5\u03c1\u03b3\u03ac\u03c4\u03b5\u03c2 \u03bb\u03cc\u03b3\u03c9 \u03b1\u03bc\u03bf\u03b9\u03b2\u03b1\u03af\u03b1\u03c2 \u03ba\u03b1\u03c4\u03b1\u03bd\u03cc\u03b7\u03c3\u03b7\u03c2, \u03b1\u03be\u03b9\u03bf\u03c0\u03c1\u03ad\u03c0\u03b5\u03b9\u03b1\u03c2 \u03ba\u03b1\u03b9 \u03b1\u03af\u03c3\u03b8\u03b7\u03c3\u03b7\u03c2 \u03b4\u03b9\u03ba\u03b1\u03af\u03bf\u03c5.<\/li>\n<li><strong> \u0394\u03b9\u03b1\u03c4\u03ae\u03c1\u03b7\u03c3\u03b7 \u03c0\u03b5\u03bb\u03b1\u03c4\u03ce\u03bd (Retention)<\/strong> &#8211; \u03a0\u03b5\u03bb\u03ac\u03c4\u03b5\u03c2 \u03c0\u03bf\u03c5 \u03bd\u03b9\u03ce\u03b8\u03bf\u03c5\u03bd \u03b5\u03bc\u03c0\u03b9\u03c3\u03c4\u03bf\u03c3\u03cd\u03bd\u03b7 \u03ba\u03b1\u03b9 \u03b4\u03af\u03ba\u03b1\u03b9\u03b7 \u03bc\u03b5\u03c4\u03b1\u03c7\u03b5\u03af\u03c1\u03b9\u03c3\u03b7 \u03c4\u03b5\u03af\u03bd\u03bf\u03c5\u03bd \u03bd\u03b1 \u03c0\u03b1\u03c1\u03b1\u03bc\u03ad\u03bd\u03bf\u03c5\u03bd \u03c0\u03b9\u03c3\u03c4\u03bf\u03af.<\/li>\n<li><strong> \u0391\u03bd\u03c4\u03b9\u03bc\u03b5\u03c4\u03ce\u03c0\u03b9\u03c3\u03b7 \u03c0\u03b1\u03c1\u03b1\u03c0\u03cc\u03bd\u03c9\u03bd<\/strong> &#8211; \u0395\u03bb\u03b1\u03c7\u03b9\u03c3\u03c4\u03bf\u03c0\u03bf\u03af\u03b7\u03c3\u03b7 \u03c3\u03c5\u03b3\u03ba\u03c1\u03bf\u03cd\u03c3\u03b5\u03c9\u03bd \u03ba\u03b1\u03b9 \u03c0\u03b9\u03bf \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03b5\u03c3\u03bc\u03b1\u03c4\u03b9\u03ba\u03ae \u03b4\u03b9\u03b1\u03c7\u03b5\u03af\u03c1\u03b9\u03c3\u03b7 \u03b4\u03c5\u03c3\u03b1\u03c1\u03ad\u03c3\u03ba\u03b5\u03b9\u03b1\u03c2 \u03cc\u03c4\u03b1\u03bd \u03bb\u03b1\u03bc\u03b2\u03ac\u03bd\u03bf\u03bd\u03c4\u03b1\u03b9 \u03c5\u03c0\u03cc\u03c8\u03b7 \u03bf\u03b9 \u03c8\u03c5\u03c7\u03bf\u03bb\u03bf\u03b3\u03b9\u03ba\u03ad\u03c2 \u03b1\u03bd\u03ac\u03b3\u03ba\u03b5\u03c2.<\/li>\n<li><strong> \u0395\u03c3\u03c9\u03c4\u03b5\u03c1\u03b9\u03ba\u03ae \u03c3\u03c5\u03bd\u03b5\u03c1\u03b3\u03b1\u03c3\u03af\u03b1<\/strong> &#8211; \u0395\u03c6\u03b1\u03c1\u03bc\u03bf\u03b3\u03ae SCARF \u03bc\u03b5\u03c4\u03b1\u03be\u03cd \u03c3\u03c5\u03bd\u03b1\u03b4\u03ad\u03bb\u03c6\u03c9\u03bd \u03b2\u03b5\u03bb\u03c4\u03b9\u03ce\u03bd\u03b5\u03b9 \u03c4\u03bf \u03b5\u03c1\u03b3\u03b1\u03c3\u03b9\u03b1\u03ba\u03cc \u03ba\u03bb\u03af\u03bc\u03b1, \u03bc\u03b5\u03b9\u03ce\u03bd\u03b5\u03b9 \u03c4\u03b9\u03c2 \u03c3\u03c5\u03b3\u03ba\u03c1\u03bf\u03cd\u03c3\u03b5\u03b9\u03c2 \u03ba\u03b1\u03b9 \u03b5\u03bd\u03b9\u03c3\u03c7\u03cd\u03b5\u03b9 \u03c4\u03b7 \u03c3\u03c5\u03bd\u03b5\u03c1\u03b3\u03b1\u03c3\u03af\u03b1.<\/li>\n<li><strong> \u0395\u03ba\u03c0\u03b1\u03af\u03b4\u03b5\u03c5\u03c3\u03b7 &amp; \u03ba\u03b1\u03b8\u03bf\u03b4\u03ae\u03b3\u03b7\u03c3\u03b7 \u03bf\u03bc\u03ac\u03b4\u03c9\u03bd<\/strong> &#8211; \u039f\u03b9 \u03b4\u03b9\u03b5\u03c5\u03b8\u03c5\u03bd\u03c4\u03ad\u03c2 \u03c0\u03bf\u03c5 \u03b5\u03c6\u03b1\u03c1\u03bc\u03cc\u03b6\u03bf\u03c5\u03bd SCARF \u03bb\u03b5\u03b9\u03c4\u03bf\u03c5\u03c1\u03b3\u03bf\u03cd\u03bd \u03c9\u03c2 \u03c5\u03c0\u03bf\u03c3\u03c4\u03b7\u03c1\u03b9\u03ba\u03c4\u03b9\u03ba\u03bf\u03af \u03b7\u03b3\u03ad\u03c4\u03b5\u03c2, \u03b5\u03bd\u03b9\u03c3\u03c7\u03cd\u03bf\u03bd\u03c4\u03b1\u03c2 \u03c4\u03b7 \u03b4\u03ad\u03c3\u03bc\u03b5\u03c5\u03c3\u03b7 \u03c4\u03c9\u03bd \u03bf\u03bc\u03ac\u03b4\u03c9\u03bd \u03c4\u03bf\u03c5\u03c2.<\/li>\n<\/ol>\n<h2><strong>\u00a0<\/strong><strong>\u03a0\u03b1\u03c1\u03ac\u03b4\u03b5\u03b9\u03b3\u03bc\u03b1 \u03c7\u03c1\u03ae\u03c3\u03b7\u03c2 <\/strong><strong>SCARF<\/strong><\/h2>\n<p>\u0388\u03bd\u03b1\u03c2 \u03b1\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03c4\u03ae\u03c2 \u03c0\u03b1\u03c1\u03bf\u03c5\u03c3\u03b9\u03ac\u03b6\u03b5\u03b9 \u03ad\u03bd\u03b1 \u03c3\u03cd\u03bd\u03b8\u03b5\u03c4\u03bf \u03c0\u03c1\u03bf\u03ca\u03cc\u03bd \u03b1\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03c4\u03b9\u03ba\u03ae\u03c2 \u03c0\u03c1\u03bf\u03c3\u03c4\u03b1\u03c3\u03af\u03b1\u03c2.<\/p>\n<p>\u039c\u03b5 \u03c7\u03c1\u03ae\u03c3\u03b7 \u03c4\u03bf\u03c5 SCARF:<\/p>\n<ul>\n<li><strong>Status<\/strong>: \u201c\u0395\u03c3\u03b5\u03af\u03c2 \u03be\u03ad\u03c1\u03b5\u03c4\u03b5 \u03c4\u03b9 \u03c3\u03b7\u03bc\u03b1\u03af\u03bd\u03b5\u03b9 \u03bd\u03b1 \u03c0\u03c1\u03bf\u03b3\u03c1\u03b1\u03bc\u03bc\u03b1\u03c4\u03af\u03b6\u03b5\u03c4\u03b5 \u03b3\u03b9\u03b1 \u03c4\u03bf \u03bc\u03ad\u03bb\u03bb\u03bf\u03bd \u2013 \u03b5\u03b3\u03ce \u03bc\u03c0\u03bf\u03c1\u03ce \u03bd\u03b1 \u03c3\u03b1\u03c2 \u03b4\u03b5\u03af\u03be\u03c9 \u03ba\u03ac\u03c0\u03bf\u03b9\u03b5\u03c2 \u03b5\u03c0\u03b9\u03bb\u03bf\u03b3\u03ad\u03c2.\u201d<\/li>\n<li><strong>Certainty<\/strong>: \u0395\u03be\u03b7\u03b3\u03b5\u03af \u03bc\u03b5 \u03c0\u03af\u03bd\u03b1\u03ba\u03b5\u03c2 \u03ba\u03b1\u03b9 \u03c3\u03b5\u03bd\u03ac\u03c1\u03b9\u03b1 \u03c4\u03b9 \u03c3\u03c5\u03bc\u03b2\u03b1\u03af\u03bd\u03b5\u03b9 \u03c3\u03b5 \u03ba\u03ac\u03b8\u03b5 \u03c0\u03b5\u03c1\u03af\u03c0\u03c4\u03c9\u03c3\u03b7.<\/li>\n<li><strong>Autonomy<\/strong>: \u0394\u03af\u03bd\u03b5\u03b9 \u03c3\u03c4\u03bf\u03bd \u03c0\u03b5\u03bb\u03ac\u03c4\u03b7 \u03b5\u03c0\u03b9\u03bb\u03bf\u03b3\u03ae \u03bc\u03b5\u03c4\u03b1\u03be\u03cd \u03b4\u03b9\u03b1\u03c6\u03bf\u03c1\u03b5\u03c4\u03b9\u03ba\u03ce\u03bd \u03c0\u03b1\u03ba\u03ad\u03c4\u03c9\u03bd.<\/li>\n<li><strong>Relatedness<\/strong>: \u0391\u03bd\u03b1\u03c6\u03ad\u03c1\u03b5\u03c4\u03b1\u03b9 \u03c3\u03c4\u03b9\u03c2 \u03ba\u03bf\u03b9\u03bd\u03ad\u03c2 \u03b1\u03bd\u03b7\u03c3\u03c5\u03c7\u03af\u03b5\u03c2 \u03c4\u03c9\u03bd \u03bf\u03b9\u03ba\u03bf\u03b3\u03b5\u03bd\u03b5\u03b9\u03ce\u03bd \u03c3\u03ae\u03bc\u03b5\u03c1\u03b1.<\/li>\n<li><strong>Fairness<\/strong>: \u0391\u03bd\u03b1\u03bb\u03cd\u03b5\u03b9 \u03b3\u03b9\u03b1\u03c4\u03af \u03b7 \u03c0\u03c1\u03cc\u03c4\u03b1\u03c3\u03b7 \u03b5\u03af\u03bd\u03b1\u03b9 \u03b1\u03bd\u03c4\u03b1\u03b3\u03c9\u03bd\u03b9\u03c3\u03c4\u03b9\u03ba\u03ae \u03c3\u03b5 \u03c3\u03c7\u03ad\u03c3\u03b7 \u03bc\u03b5 \u03c4\u03b7\u03bd \u03b1\u03b3\u03bf\u03c1\u03ac.<\/li>\n<\/ul>\n<h2><strong>\u0397 \u03b4\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03ac\u03c4\u03b5\u03c5\u03c3\u03b7 \u03bc\u03b5 \u03c4\u03bf\u03bd \u03c0\u03b5\u03bb\u03ac\u03c4\u03b7 \u03c3\u03c4\u03b7\u03bd \u03b1\u03c3\u03c6\u03ac\u03bb\u03b9\u03c3\u03b7 \u03bc\u03b5 \u03c7\u03c1\u03ae\u03c3\u03b7 \u03c4\u03bf\u03c5 <\/strong><strong>SCARF<\/strong><\/h2>\n<p><strong>\u00a0<\/strong>\u0397 \u03b4\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03ac\u03c4\u03b5\u03c5\u03c3\u03b7 \u03bc\u03b5 \u03c4\u03bf\u03bd \u03c0\u03b5\u03bb\u03ac\u03c4\u03b7 \u03c3\u03c4\u03bf\u03bd \u03c4\u03bf\u03bc\u03ad\u03b1 \u03c4\u03b7\u03c2 \u03b1\u03c3\u03c6\u03ac\u03bb\u03b9\u03c3\u03b7\u03c2 \u03b1\u03c0\u03b1\u03b9\u03c4\u03b5\u03af \u03b5\u03c5\u03b1\u03b9\u03c3\u03b8\u03b7\u03c3\u03af\u03b1, \u03b4\u03b9\u03b1\u03c6\u03ac\u03bd\u03b5\u03b9\u03b1 \u03ba\u03b1\u03b9 \u03ba\u03b1\u03c4\u03b1\u03bd\u03cc\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03c8\u03c5\u03c7\u03bf\u03bb\u03bf\u03b3\u03b9\u03ba\u03ce\u03bd \u03c0\u03b1\u03c1\u03b1\u03bc\u03ad\u03c4\u03c1\u03c9\u03bd \u03c0\u03bf\u03c5 \u03b5\u03c0\u03b7\u03c1\u03b5\u03ac\u03b6\u03bf\u03c5\u03bd \u03c4\u03b7 \u03bb\u03ae\u03c8\u03b7 \u03b1\u03c0\u03bf\u03c6\u03ac\u03c3\u03b5\u03c9\u03bd.<\/p>\n<p>\u03a4\u03bf <strong>\u03bc\u03bf\u03bd\u03c4\u03ad\u03bb\u03bf <\/strong><strong>SCARF<\/strong> \u03c0\u03b1\u03c1\u03ad\u03c7\u03b5\u03b9 \u03ad\u03bd\u03b1 \u03c0\u03c1\u03b1\u03ba\u03c4\u03b9\u03ba\u03cc \u03c0\u03bb\u03b1\u03af\u03c3\u03b9\u03bf \u03c0\u03bf\u03c5 \u03b2\u03bf\u03b7\u03b8\u03ac \u03c4\u03bf\u03c5\u03c2 \u03b5\u03c0\u03b1\u03b3\u03b3\u03b5\u03bb\u03bc\u03b1\u03c4\u03af\u03b5\u03c2 \u03c4\u03b7\u03c2 \u03b1\u03c3\u03c6\u03ac\u03bb\u03b9\u03c3\u03b7\u03c2 \u03bd\u03b1 \u03b4\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03b1\u03c4\u03b5\u03cd\u03bf\u03bd\u03c4\u03b1\u03b9 \u03bc\u03b5 \u03c3\u03b5\u03b2\u03b1\u03c3\u03bc\u03cc, \u03b5\u03bd\u03c3\u03c5\u03bd\u03b1\u03af\u03c3\u03b8\u03b7\u03c3\u03b7 \u03ba\u03b1\u03b9 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03b5\u03c3\u03bc\u03b1\u03c4\u03b9\u03ba\u03cc\u03c4\u03b7\u03c4\u03b1.<\/p>\n<h2><strong>SCARF<\/strong><strong> \u03c3\u03c4\u03b7 \u0394\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03ac\u03c4\u03b5\u03c5\u03c3\u03b7 \u03bc\u03b5 \u03c4\u03bf\u03bd \u03a0\u03b5\u03bb\u03ac\u03c4\u03b7 \u03c3\u03c4\u03b7\u03bd \u0391\u03c3\u03c6\u03ac\u03bb\u03b9\u03c3\u03b7<\/strong><\/h2>\n<table>\n<thead>\n<tr>\n<td><strong>\u03a0\u03b1\u03c1\u03ac\u03b3\u03bf\u03bd\u03c4\u03b1\u03c2<\/strong><\/td>\n<td><strong>\u03a4\u03b9 \u03c3\u03b7\u03bc\u03b1\u03af\u03bd\u03b5\u03b9 \u03b3\u03b9\u03b1 \u03c4\u03b7 \u03b4\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03ac\u03c4\u03b5\u03c5\u03c3\u03b7<\/strong><\/td>\n<td><strong>\u03a7\u03c1\u03ae\u03c3\u03b5\u03b9\u03c2<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Status (\u039a\u03b1\u03c4\u03ac\u03c3\u03c4\u03b1\u03c3\u03b7)<\/strong><\/td>\n<td>\u039f \u03c0\u03b5\u03bb\u03ac\u03c4\u03b7\u03c2 \u03b8\u03ad\u03bb\u03b5\u03b9 \u03bd\u03b1 \u03bd\u03b9\u03ce\u03b8\u03b5\u03b9 \u03c3\u03b5\u03b2\u03b1\u03c3\u03c4\u03cc\u03c2 \u03ba\u03b1\u03b9 \u03cc\u03c7\u03b9 \u03c5\u03c0\u03bf\u03b4\u03b5\u03ad\u03c3\u03c4\u03b5\u03c1\u03bf\u03c2.<\/td>\n<td>\u2726 \u03a7\u03c1\u03b7\u03c3\u03b9\u03bc\u03bf\u03c0\u03bf\u03b9\u03ae\u03c3\u03c4\u03b5 \u03b5\u03ba\u03c6\u03c1\u03ac\u03c3\u03b5\u03b9\u03c2 \u03cc\u03c0\u03c9\u03c2 \u00ab\u039a\u03b1\u03c4\u03b1\u03bb\u03b1\u03b2\u03b1\u03af\u03bd\u03c9 \u03c4\u03b7\u03bd \u03b5\u03bc\u03c0\u03b5\u03b9\u03c1\u03af\u03b1 \u03c3\u03b1\u03c2\u00bb.<br \/>\n\u2726 \u0394\u03ce\u03c3\u03c4\u03b5 \u03ad\u03bc\u03c6\u03b1\u03c3\u03b7 \u03c3\u03c4\u03b7 \u03c3\u03c5\u03bc\u03bc\u03b5\u03c4\u03bf\u03c7\u03ae \u03c4\u03bf\u03c5 \u03c3\u03c4\u03b7\u03bd \u03b1\u03c0\u03cc\u03c6\u03b1\u03c3\u03b7.<\/td>\n<\/tr>\n<tr>\n<td><strong>Certainty (\u0392\u03b5\u03b2\u03b1\u03b9\u03cc\u03c4\u03b7\u03c4\u03b1)<\/strong><\/td>\n<td>\u039f \u03c0\u03b5\u03bb\u03ac\u03c4\u03b7\u03c2 \u03b5\u03c0\u03b9\u03b8\u03c5\u03bc\u03b5\u03af \u03bd\u03b1 \u03b3\u03bd\u03c9\u03c1\u03af\u03b6\u03b5\u03b9 \u03c4\u03b9 \u03bd\u03b1 \u03c0\u03b5\u03c1\u03b9\u03bc\u03ad\u03bd\u03b5\u03b9.<\/td>\n<td>\u2726 \u0395\u03be\u03b7\u03b3\u03ae\u03c3\u03c4\u03b5 \u03bc\u03b5 \u03c3\u03b1\u03c6\u03ae\u03bd\u03b5\u03b9\u03b1 \u03c4\u03b7\u03bd \u03c0\u03c1\u03cc\u03c4\u03b1\u03c3\u03b7.<br \/>\n\u2726 \u03a0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c8\u03c4\u03b5 \u03b5\u03c1\u03c9\u03c4\u03ae\u03c3\u03b5\u03b9\u03c2 \u03ba\u03b1\u03b9 \u03b4\u03ce\u03c3\u03c4\u03b5 \u03b1\u03c0\u03b1\u03bd\u03c4\u03ae\u03c3\u03b5\u03b9\u03c2 \u03bc\u03b5 \u03c3\u03c4\u03bf\u03b9\u03c7\u03b5\u03af\u03b1 \u03ba\u03b1\u03b9 \u03c3\u03b5\u03bd\u03ac\u03c1\u03b9\u03b1.<\/td>\n<\/tr>\n<tr>\n<td><strong>Autonomy (\u0391\u03c5\u03c4\u03bf\u03bd\u03bf\u03bc\u03af\u03b1)<\/strong><\/td>\n<td>\u039f \u03c0\u03b5\u03bb\u03ac\u03c4\u03b7\u03c2 \u03b8\u03ad\u03bb\u03b5\u03b9 \u03bd\u03b1 \u03ad\u03c7\u03b5\u03b9 \u03b5\u03c0\u03b9\u03bb\u03bf\u03b3\u03ad\u03c2 \u03ba\u03b1\u03b9 \u03ad\u03bb\u03b5\u03b3\u03c7\u03bf.<\/td>\n<td>\u2726 \u03a0\u03c1\u03bf\u03c3\u03c6\u03ad\u03c1\u03b5\u03c4\u03b5 \u03b5\u03bd\u03b1\u03bb\u03bb\u03b1\u03ba\u03c4\u03b9\u03ba\u03ac \u03c3\u03b5\u03bd\u03ac\u03c1\u03b9\u03b1 \u03ae \u03c0\u03b1\u03ba\u03ad\u03c4\u03b1.<br \/>\n\u2726 \u0391\u03c0\u03bf\u03c6\u03cd\u03b3\u03b5\u03c4\u03b5 \u03c4\u03bf\u03bd \u03bc\u03bf\u03bd\u03cc\u03b4\u03c1\u03bf\u03bc\u03bf \u03ae \u03c4\u03bf \u03c4\u03b5\u03bb\u03b5\u03c3\u03af\u03b3\u03c1\u03b1\u03c6\u03bf.<\/td>\n<\/tr>\n<tr>\n<td><strong>Relatedness (\u03a3\u03c5\u03bd\u03b4\u03b5\u03c3\u03b9\u03bc\u03cc\u03c4\u03b7\u03c4\u03b1)<\/strong><\/td>\n<td>\u039f \u03c0\u03b5\u03bb\u03ac\u03c4\u03b7\u03c2 \u03c0\u03c1\u03ad\u03c0\u03b5\u03b9 \u03bd\u03b1 \u03b1\u03b9\u03c3\u03b8\u03b1\u03bd\u03b8\u03b5\u03af \u03cc\u03c4\u03b9 \u03c4\u03bf\u03bd \u03ba\u03b1\u03c4\u03b1\u03bb\u03b1\u03b2\u03b1\u03af\u03bd\u03b5\u03c4\u03b5 \u03ba\u03b1\u03b9 \u03cc\u03c4\u03b9 \u03c3\u03c5\u03bd\u03b5\u03c1\u03b3\u03ac\u03b6\u03b5\u03c3\u03c4\u03b5.<\/td>\n<td>\u2726 \u0394\u03b7\u03bc\u03b9\u03bf\u03c5\u03c1\u03b3\u03ae\u03c3\u03c4\u03b5 \u03ba\u03bb\u03af\u03bc\u03b1 \u03b5\u03bc\u03c0\u03b9\u03c3\u03c4\u03bf\u03c3\u03cd\u03bd\u03b7\u03c2.<br \/>\n\u2726 \u03a7\u03c1\u03b7\u03c3\u03b9\u03bc\u03bf\u03c0\u03bf\u03b9\u03ae\u03c3\u03c4\u03b5 \u03c0\u03c1\u03b1\u03b3\u03bc\u03b1\u03c4\u03b9\u03ba\u03ac \u03c0\u03b1\u03c1\u03b1\u03b4\u03b5\u03af\u03b3\u03bc\u03b1\u03c4\u03b1 \u03c0\u03bf\u03c5 \u03c4\u03bf\u03bd \u03b1\u03b3\u03b3\u03af\u03b6\u03bf\u03c5\u03bd \u03c0\u03c1\u03bf\u03c3\u03c9\u03c0\u03b9\u03ba\u03ac.<\/td>\n<\/tr>\n<tr>\n<td><strong>Fairness (\u0394\u03b9\u03ba\u03b1\u03b9\u03bf\u03c3\u03cd\u03bd\u03b7)<\/strong><\/td>\n<td>\u039f \u03c0\u03b5\u03bb\u03ac\u03c4\u03b7\u03c2 \u03ba\u03c1\u03af\u03bd\u03b5\u03b9 \u03b5\u03ac\u03bd \u03b7 \u03c0\u03c1\u03cc\u03c4\u03b1\u03c3\u03b7 \u03b5\u03af\u03bd\u03b1\u03b9 \u03b4\u03af\u03ba\u03b1\u03b9\u03b7.<\/td>\n<td>\u2726 \u0394\u03b5\u03af\u03be\u03c4\u03b5 \u03b4\u03b9\u03b1\u03c6\u03ac\u03bd\u03b5\u03b9\u03b1 \u03c3\u03c4\u03b1 \u03ba\u03cc\u03c3\u03c4\u03b7 \u03ba\u03b1\u03b9 \u03c0\u03b1\u03c1\u03bf\u03c7\u03ad\u03c2.<br \/>\n\u2726 \u03a3\u03c5\u03b3\u03ba\u03c1\u03af\u03bd\u03b5\u03c4\u03b5 \u03bc\u03b5 \u03c4\u03b7\u03bd \u03b1\u03b3\u03bf\u03c1\u03ac, \u03b5\u03be\u03b7\u03b3\u03ae\u03c3\u03c4\u03b5 \u03c4\u03b7\u03bd \u03b1\u03be\u03af\u03b1 \u03c4\u03b7\u03c2 \u03c0\u03c1\u03bf\u03c3\u03c6\u03bf\u03c1\u03ac\u03c2.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><strong>\u039f\u03c6\u03ad\u03bb\u03b7 \u03b1\u03c0\u03cc \u03c4\u03b7 \u03c7\u03c1\u03ae\u03c3\u03b7 <\/strong><strong>SCARF<\/strong><strong> \u03c3\u03c4\u03b7 \u0394\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03ac\u03c4\u03b5\u03c5\u03c3\u03b7<\/strong><\/h2>\n<ul>\n<li>\u0391\u03c0\u03bf\u03c6\u03c5\u03b3\u03ae \u03b1\u03bd\u03c4\u03b9\u03c3\u03c4\u03ac\u03c3\u03b5\u03c9\u03bd \u03ba\u03b1\u03b9 \u03b1\u03bd\u03c4\u03b9\u03b4\u03c1\u03ac\u03c3\u03b5\u03c9\u03bd \u03c4\u03bf\u03c5 \u03c0\u03b5\u03bb\u03ac\u03c4\u03b7.<\/li>\n<li>\u0391\u03cd\u03be\u03b7\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03b1\u03c0\u03bf\u03b4\u03bf\u03c7\u03ae\u03c2 \u03c4\u03b7\u03c2 \u03c0\u03c1\u03cc\u03c4\u03b1\u03c3\u03b7\u03c2.<\/li>\n<li>\u039a\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b7 \u03b5\u03bc\u03c0\u03b5\u03b9\u03c1\u03af\u03b1 \u03c0\u03b5\u03bb\u03ac\u03c4\u03b7 \u03c0\u03bf\u03c5 \u03b5\u03bd\u03b9\u03c3\u03c7\u03cd\u03b5\u03b9 \u03c4\u03b7\u03bd \u03b5\u03bc\u03c0\u03b9\u03c3\u03c4\u03bf\u03c3\u03cd\u03bd\u03b7 \u03c3\u03c4\u03bf\u03bd \u03c3\u03cd\u03bc\u03b2\u03bf\u03c5\u03bb\u03bf \/ \u03c0\u03c1\u03ac\u03ba\u03c4\u03bf\u03c1\u03b1.<\/li>\n<li>\u039c\u03b1\u03ba\u03c1\u03bf\u03c7\u03c1\u03cc\u03bd\u03b9\u03b5\u03c2 \u03c3\u03c7\u03ad\u03c3\u03b5\u03b9\u03c2 \u03b2\u03b1\u03c3\u03b9\u03c3\u03bc\u03ad\u03bd\u03b5\u03c2 \u03c3\u03b5 \u03b4\u03b9\u03b1\u03c6\u03ac\u03bd\u03b5\u03b9\u03b1 \u03ba\u03b1\u03b9 \u03b1\u03be\u03b9\u03bf\u03c0\u03c1\u03ad\u03c0\u03b5\u03b9\u03b1.<\/li>\n<\/ul>\n<h2><strong>\u00a0\u03a0\u03b1\u03c1\u03ac\u03b4\u03b5\u03b9\u03b3\u03bc\u03b1 \u03c3\u03b5 \u0394\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03ac\u03c4\u03b5\u03c5\u03c3\u03b7<\/strong><\/h2>\n<p><strong>\u00a0<\/strong><em>\u00ab\u039a\u03b1\u03c4\u03b1\u03bd\u03bf\u03ce \u03cc\u03c4\u03b9 \u03b5\u03af\u03c3\u03c4\u03b5 \u03b5\u03c0\u03b9\u03c6\u03c5\u03bb\u03b1\u03ba\u03c4\u03b9\u03ba\u03cc\u03c2. \u03a3\u03b1\u03c2 \u03ad\u03c7\u03c9 \u03b5\u03c4\u03bf\u03b9\u03bc\u03ac\u03c3\u03b5\u03b9 \u03c4\u03c1\u03b5\u03b9\u03c2 \u03b5\u03c0\u03b9\u03bb\u03bf\u03b3\u03ad\u03c2, \u03b1\u03bd\u03ac\u03bb\u03bf\u03b3\u03b1 \u03bc\u03b5 \u03c4\u03b9\u03c2 \u03b1\u03bd\u03ac\u03b3\u03ba\u03b5\u03c2 \u03c3\u03b1\u03c2 \u03ba\u03b1\u03b9 \u03bc\u03b5 \u03b4\u03b9\u03b1\u03c6\u03ac\u03bd\u03b5\u03b9\u03b1 \u03c3\u03c4\u03bf \u03ba\u03cc\u03c3\u03c4\u03bf\u03c2. \u0397 \u03ba\u03ac\u03b8\u03b5 \u03c0\u03c1\u03cc\u03c4\u03b1\u03c3\u03b7 \u03c3\u03c5\u03bd\u03bf\u03b4\u03b5\u03cd\u03b5\u03c4\u03b1\u03b9 \u03b1\u03c0\u03cc \u03c0\u03c1\u03b1\u03b3\u03bc\u03b1\u03c4\u03b9\u03ba\u03ac \u03c3\u03b5\u03bd\u03ac\u03c1\u03b9\u03b1. \u039c\u03c0\u03bf\u03c1\u03bf\u03cd\u03bc\u03b5 \u03bd\u03b1 \u03c4\u03b9\u03c2 \u03b4\u03bf\u03cd\u03bc\u03b5 \u03bc\u03b1\u03b6\u03af \u03ba\u03b1\u03b9 \u03bd\u03b1 \u03b4\u03b9\u03b1\u03bb\u03ad\u03be\u03b5\u03c4\u03b5 \u03b1\u03c5\u03c4\u03ae \u03c0\u03bf\u03c5 \u03c3\u03b1\u03c2 \u03c4\u03b1\u03b9\u03c1\u03b9\u03ac\u03b6\u03b5\u03b9 \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b1. \u0391\u03bd \u03ad\u03c7\u03b5\u03c4\u03b5 \u03ba\u03ac\u03c0\u03bf\u03b9\u03b1 \u03ac\u03bb\u03bb\u03b7 \u03c0\u03c1\u03bf\u03c4\u03af\u03bc\u03b7\u03c3\u03b7, \u03b5\u03af\u03bc\u03b1\u03b9 \u03b5\u03b4\u03ce \u03b3\u03b9\u03b1 \u03bd\u03b1 \u03c4\u03b7\u03bd \u03b5\u03bd\u03c3\u03c9\u03bc\u03b1\u03c4\u03ce\u03c3\u03bf\u03c5\u03bc\u03b5.\u00bb<\/em><\/p>\n<p>\u039c\u03b5 \u03b1\u03c5\u03c4\u03ae \u03c4\u03b7 \u03c6\u03c1\u03ac\u03c3\u03b7 \u03b7 \u03b5\u03c6\u03b1\u03c1\u03bc\u03bf\u03b3\u03ae \u03c3\u03c4\u03bf <strong>SCARF<\/strong> \u03c3\u03b7\u03bc\u03b1\u03af\u03bd\u03b5\u03b9:<\/p>\n<ul>\n<li><strong>Status<\/strong>: \u03a3\u03b5\u03b2\u03b1\u03c3\u03bc\u03cc\u03c2 \u03c0\u03c1\u03bf\u03c2 \u03c4\u03bf\u03bd \u03c0\u03b5\u03bb\u03ac\u03c4\u03b7.<\/li>\n<li><strong>Certainty<\/strong>: \u03a0\u03bb\u03b7\u03c1\u03bf\u03c6\u03bf\u03c1\u03af\u03b5\u03c2 \u03ba\u03b1\u03b9 \u03c3\u03b5\u03bd\u03ac\u03c1\u03b9\u03b1.<\/li>\n<li><strong>Autonomy<\/strong>: \u0395\u03c0\u03b9\u03bb\u03bf\u03b3\u03ad\u03c2.<\/li>\n<li><strong>Relatedness<\/strong>: \u0391\u03bd\u03b8\u03c1\u03ce\u03c0\u03b9\u03bd\u03b7 \u03c0\u03c1\u03bf\u03c3\u03ad\u03b3\u03b3\u03b9\u03c3\u03b7.<\/li>\n<li><strong>Fairness<\/strong>: \u0394\u03b9\u03b1\u03c6\u03ac\u03bd\u03b5\u03b9\u03b1.<\/li>\n<\/ul>\n<h2><strong>\u03a3\u03c5\u03bc\u03c0\u03ad\u03c1\u03b1\u03c3\u03bc\u03b1 \u03b1\u03c0\u03cc \u03c4\u03b7 \u03c7\u03c1\u03ae\u03c3\u03b7 \u03c4\u03bf\u03c5 \u03bc\u03bf\u03bd\u03c4\u03ad\u03bb\u03bf\u03c5 <\/strong><strong>SCARF<\/strong><strong> \u03c3\u03c4\u03b7\u03bd \u03c0\u03ce\u03bb\u03b7\u03c3\u03b7 \u03ba\u03b1\u03b9 \u03b4\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03ac\u03c4\u03b5\u03c5\u03c3\u03b7 \u03c3\u03c4\u03bf\u03bd \u03b1\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03c4\u03b9\u03ba\u03cc \u03c4\u03bf\u03bc\u03ad\u03b1<\/strong><\/h2>\n<p>\u0397 \u03b5\u03c6\u03b1\u03c1\u03bc\u03bf\u03b3\u03ae \u03c4\u03bf\u03c5 \u03bc\u03bf\u03bd\u03c4\u03ad\u03bb\u03bf\u03c5 SCARF (Status, Certainty, Autonomy, Relatedness, Fairness) \u03c3\u03c4\u03b7\u03bd \u03c0\u03ce\u03bb\u03b7\u03c3\u03b7 \u03ba\u03b1\u03b9 \u03b4\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03ac\u03c4\u03b5\u03c5\u03c3\u03b7 \u03c3\u03c4\u03bf\u03bd \u03b1\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03c4\u03b9\u03ba\u03cc \u03c4\u03bf\u03bc\u03ad\u03b1 \u03b1\u03bd\u03b1\u03b4\u03b5\u03b9\u03ba\u03bd\u03cd\u03b5\u03c4\u03b1\u03b9 \u03c9\u03c2 \u03ad\u03bd\u03b1 \u03b9\u03c3\u03c7\u03c5\u03c1\u03cc \u03b5\u03c1\u03b3\u03b1\u03bb\u03b5\u03af\u03bf \u03b5\u03bd\u03af\u03c3\u03c7\u03c5\u03c3\u03b7\u03c2 \u03c4\u03b7\u03c2 \u03b5\u03bc\u03c0\u03b9\u03c3\u03c4\u03bf\u03c3\u03cd\u03bd\u03b7\u03c2, \u03c4\u03b7\u03c2 \u03b5\u03c0\u03b9\u03ba\u03bf\u03b9\u03bd\u03c9\u03bd\u03af\u03b1\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03b7\u03c2 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03b5\u03c3\u03bc\u03b1\u03c4\u03b9\u03ba\u03cc\u03c4\u03b7\u03c4\u03b1\u03c2.<\/p>\n<p>\u039c\u03ad\u03c3\u03c9 \u03c4\u03b7\u03c2 \u03ba\u03b1\u03c4\u03b1\u03bd\u03cc\u03b7\u03c3\u03b7\u03c2 \u03c4\u03c9\u03bd \u03bd\u03b5\u03c5\u03c1\u03bf\u03bb\u03bf\u03b3\u03b9\u03ba\u03ce\u03bd \u03b1\u03bd\u03b1\u03b3\u03ba\u03ce\u03bd \u03c4\u03bf\u03c5 \u03c3\u03c5\u03bd\u03bf\u03bc\u03b9\u03bb\u03b7\u03c4\u03ae \u2013\u03b5\u03af\u03c4\u03b5 \u03c0\u03c1\u03cc\u03ba\u03b5\u03b9\u03c4\u03b1\u03b9 \u03b3\u03b9\u03b1 \u03c0\u03b5\u03bb\u03ac\u03c4\u03b7 \u03b5\u03af\u03c4\u03b5 \u03b3\u03b9\u03b1 \u03c3\u03c5\u03bd\u03b5\u03c1\u03b3\u03ac\u03c4\u03b7\u2013 \u03bf\u03b9 \u03b1\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03c4\u03b9\u03ba\u03bf\u03af \u03c3\u03cd\u03bc\u03b2\u03bf\u03c5\u03bb\u03bf\u03b9 \u03ba\u03b1\u03b9 \u03bf\u03b9 \u03b4\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03b1\u03c4\u03b5\u03c5\u03c4\u03ad\u03c2 \u03bc\u03c0\u03bf\u03c1\u03bf\u03cd\u03bd \u03bd\u03b1 \u03c0\u03c1\u03bf\u03c3\u03b1\u03c1\u03bc\u03cc\u03c3\u03bf\u03c5\u03bd \u03c4\u03b7 \u03c3\u03c4\u03ac\u03c3\u03b7 \u03ba\u03b1\u03b9 \u03c4\u03b7\u03bd \u03c0\u03c1\u03bf\u03c3\u03ad\u03b3\u03b3\u03b9\u03c3\u03ae \u03c4\u03bf\u03c5\u03c2 \u03ce\u03c3\u03c4\u03b5 \u03bd\u03b1 \u03b5\u03bd\u03b9\u03c3\u03c7\u03cd\u03c3\u03bf\u03c5\u03bd \u03c4\u03bf \u03b1\u03af\u03c3\u03b8\u03b7\u03bc\u03b1 \u03b1\u03c3\u03c6\u03ac\u03bb\u03b5\u03b9\u03b1\u03c2 \u03ba\u03b1\u03b9 \u03c3\u03c5\u03bd\u03b5\u03c1\u03b3\u03b1\u03c3\u03af\u03b1\u03c2.<\/p>\n<p>\u03a3\u03c5\u03b3\u03ba\u03b5\u03ba\u03c1\u03b9\u03bc\u03ad\u03bd\u03b1:<\/p>\n<ul>\n<li><strong>\u039a\u03b1\u03bb\u03bb\u03b9\u03b5\u03c1\u03b3\u03b5\u03af\u03c4\u03b1\u03b9 \u03b7 \u03b5\u03bc\u03c0\u03b9\u03c3\u03c4\u03bf\u03c3\u03cd\u03bd\u03b7 \u03ba\u03b1\u03b9 \u03bc\u03b5\u03b9\u03ce\u03bd\u03b5\u03c4\u03b1\u03b9 \u03b7 \u03b1\u03bd\u03c4\u03af\u03c3\u03c4\u03b1\u03c3\u03b7<\/strong> \u03c3\u03c4\u03b9\u03c2 \u03c0\u03c1\u03bf\u03c4\u03ac\u03c3\u03b5\u03b9\u03c2, \u03bc\u03ad\u03c3\u03c9 \u03c3\u03b5\u03b2\u03b1\u03c3\u03bc\u03bf\u03cd \u03c4\u03bf\u03c5 \u03ba\u03cd\u03c1\u03bf\u03c5\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03b7\u03c2 \u03b1\u03c5\u03c4\u03bf\u03bd\u03bf\u03bc\u03af\u03b1\u03c2 \u03c4\u03bf\u03c5 \u03c0\u03b5\u03bb\u03ac\u03c4\u03b7.<\/li>\n<li><strong>\u0395\u03bd\u03b9\u03c3\u03c7\u03cd\u03b5\u03c4\u03b1\u03b9 \u03b7 \u03c3\u03b1\u03c6\u03ae\u03bd\u03b5\u03b9\u03b1 \u03ba\u03b1\u03b9 \u03c0\u03c1\u03bf\u03b2\u03bb\u03b5\u03c8\u03b9\u03bc\u03cc\u03c4\u03b7\u03c4\u03b1<\/strong> \u03c4\u03b7\u03c2 \u03b4\u03b9\u03b1\u03b4\u03b9\u03ba\u03b1\u03c3\u03af\u03b1\u03c2, \u03b5\u03bd\u03b4\u03c5\u03bd\u03b1\u03bc\u03ce\u03bd\u03bf\u03bd\u03c4\u03b1\u03c2 \u03c4\u03b7 \u03bb\u03ae\u03c8\u03b7 \u03b1\u03c0\u03cc\u03c6\u03b1\u03c3\u03b7\u03c2.<\/li>\n<li><strong>\u0394\u03b7\u03bc\u03b9\u03bf\u03c5\u03c1\u03b3\u03b5\u03af\u03c4\u03b1\u03b9 \u03ad\u03bd\u03b1 \u03ba\u03bb\u03af\u03bc\u03b1 \u03bf\u03b9\u03ba\u03b5\u03b9\u03cc\u03c4\u03b7\u03c4\u03b1\u03c2 \u03ba\u03b1\u03b9 \u03b4\u03b9\u03ba\u03b1\u03b9\u03bf\u03c3\u03cd\u03bd\u03b7\u03c2<\/strong>, \u03c0\u03bf\u03c5 \u03b4\u03b9\u03b5\u03c5\u03ba\u03bf\u03bb\u03cd\u03bd\u03b5\u03b9 \u03c4\u03b7 \u03b4\u03b9\u03b1\u03c4\u03ae\u03c1\u03b7\u03c3\u03b7 \u03bc\u03b1\u03ba\u03c1\u03bf\u03c7\u03c1\u03cc\u03bd\u03b9\u03c9\u03bd \u03c3\u03c7\u03ad\u03c3\u03b5\u03c9\u03bd.<\/li>\n<\/ul>\n<p>\u03a3\u03c5\u03bd\u03bf\u03bb\u03b9\u03ba\u03ac, \u03b7 \u03c7\u03c1\u03ae\u03c3\u03b7 \u03c4\u03bf\u03c5 SCARF \u03bf\u03b4\u03b7\u03b3\u03b5\u03af \u03c3\u03b5 \u03bc\u03b9\u03b1 \u03c0\u03b9\u03bf \u03b1\u03bd\u03b8\u03c1\u03c9\u03c0\u03bf\u03ba\u03b5\u03bd\u03c4\u03c1\u03b9\u03ba\u03ae, \u03c3\u03c5\u03bd\u03b1\u03b9\u03c3\u03b8\u03b7\u03bc\u03b1\u03c4\u03b9\u03ba\u03ac \u03b5\u03c5\u03c6\u03c5\u03ae \u03c0\u03c1\u03bf\u03c3\u03ad\u03b3\u03b3\u03b9\u03c3\u03b7 \u03c3\u03c4\u03b7\u03bd \u03c0\u03ce\u03bb\u03b7\u03c3\u03b7 \u03ba\u03b1\u03b9 \u03b4\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03ac\u03c4\u03b5\u03c5\u03c3\u03b7 \u03b1\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03c4\u03b9\u03ba\u03ce\u03bd \u03c0\u03c1\u03bf\u03ca\u03cc\u03bd\u03c4\u03c9\u03bd, \u03b1\u03c5\u03be\u03ac\u03bd\u03bf\u03bd\u03c4\u03b1\u03c2 \u03c4\u03b9\u03c2 \u03c0\u03b9\u03b8\u03b1\u03bd\u03cc\u03c4\u03b7\u03c4\u03b5\u03c2 \u03b5\u03c0\u03b9\u03c4\u03c5\u03c7\u03bf\u03cd\u03c2 \u03c3\u03c5\u03bc\u03c6\u03c9\u03bd\u03af\u03b1\u03c2 \u03ba\u03b1\u03b9 \u03b4\u03b9\u03b1\u03c4\u03b7\u03c1\u03ce\u03bd\u03c4\u03b1\u03c2 \u03c4\u03b7 \u03c3\u03c7\u03ad\u03c3\u03b7 \u03c0\u03b5\u03bb\u03ac\u03c4\u03b7-\u03b5\u03c4\u03b1\u03b9\u03c1\u03b5\u03af\u03b1\u03c2 \u03c3\u03b5 \u03c5\u03c8\u03b7\u03bb\u03cc \u03b5\u03c0\u03af\u03c0\u03b5\u03b4\u03bf \u03b9\u03ba\u03b1\u03bd\u03bf\u03c0\u03bf\u03af\u03b7\u03c3\u03b7\u03c2 \u03ba\u03b1\u03b9 \u03b1\u03c6\u03bf\u03c3\u03af\u03c9\u03c3\u03b7\u03c2.<\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> \u039f David Rock \u03b5\u03af\u03bd\u03b1\u03b9 \u03b1\u03c5\u03c3\u03c4\u03c1\u03b1\u03bb\u03b9\u03b1\u03bd\u03ae\u03c2 \u03ba\u03b1\u03c4\u03b1\u03b3\u03c9\u03b3\u03ae\u03c2, CEO \u03ba\u03b1\u03b9 \u03c3\u03c5\u03bd\u03b9\u03b4\u03c1\u03c5\u03c4\u03ae\u03c2 \u03c4\u03bf\u03c5\u00a0<a href=\"https:\/\/neuroleadership.com\/\">NeuroLeadership Institute<\/a>\u00a0\u03ba\u03b1\u03b9 \u03c3\u03c5\u03b3\u03b3\u03c1\u03b1\u03c6\u03ad\u03b1\u03c2 \u03c4\u03bf\u03c5 \u03b2\u03b9\u03b2\u03bb\u03af\u03bf\u03c5 &#8220;Your Brain at Work&#8221;.\u00a0\u0395\u03af\u03bd\u03b1\u03b9 \u03b3\u03bd\u03c9\u03c3\u03c4\u03cc\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03b5\u03b9\u03c3\u03b1\u03b3\u03c9\u03b3\u03ae \u03c4\u03bf\u03c5 \u03cc\u03c1\u03bf\u03c5 &#8220;\u03bd\u03b5\u03c5\u03c1\u03bf\u03b7\u03b3\u03b5\u03c4\u03b9\u03ba\u03cc\u03c4\u03b7\u03c4\u03b1&#8221; \u03ba\u03b1\u03b9 \u03c4\u03b7 \u03c7\u03c1\u03ae\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03bd\u03b5\u03c5\u03c1\u03bf\u03b5\u03c0\u03b9\u03c3\u03c4\u03ae\u03bc\u03b7\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03b7\u03b3\u03b5\u03c3\u03af\u03b1 \u03ba\u03b1\u03b9 \u03c4\u03b7\u03bd \u03b1\u03bd\u03b8\u03c1\u03ce\u03c0\u03b9\u03bd\u03b7 \u03b1\u03c0\u03cc\u03b4\u03bf\u03c3\u03b7.\u00a0\u0388\u03c7\u03b5\u03b9 \u03b4\u03b9\u03b4\u03ac\u03be\u03b5\u03b9 \u03ba\u03b1\u03b9 \u03c3\u03c5\u03bc\u03b2\u03bf\u03c5\u03bb\u03b5\u03cd\u03c3\u03b5\u03b9 \u03c3\u03b5 \u03b8\u03ad\u03bc\u03b1\u03c4\u03b1 \u03b7\u03b3\u03b5\u03c3\u03af\u03b1\u03c2 \u03ba\u03b1\u03b9 \u03ad\u03c7\u03b5\u03b9 \u03b3\u03c1\u03ac\u03c8\u03b5\u03b9 \u03b3\u03b9\u03b1 \u03c4\u03bf Harvard Business Review, \u03c4\u03bf\u03c5\u03c2 New York Times, \u03c4\u03bf Wall Street Journal \u03ba\u03b1\u03b9 \u03ac\u03bb\u03bb\u03b1.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0393\u03c1\u03ac\u03c6\u03b5\u03b9 \u03bf \u0393\u03b9\u03ce\u03c1\u03b3\u03bf\u03c2 \u039d\u03ac\u03c4\u03b1\u03c1, B.Sc, M.Sc, MCyHRMA, \u0395\u03ba\u03c0\u03b1\u03b9\u03b4\u03b5\u03c5\u03c4\u03ae\u03c2 \u0391\u03c3\u03c6\u03b1\u03bb\u03af\u03c3\u03b5\u03c9\u03bd \u03ba\u03b1\u03b9 \u0395\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03ae\u03c3\u03b5\u03c9\u03bd \u0397 \u03c0\u03ce\u03bb\u03b7\u03c3\u03b7 \u03ba\u03b1\u03b9 \u03b7 \u03b4\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03ac\u03c4\u03b5\u03c5\u03c3\u03b7 \u03b5\u03af\u03bd\u03b1\u03b9 \u03b4\u03cd\u03bf \u03ad\u03bd\u03bd\u03bf\u03b9\u03b5\u03c2 \u03c0\u03bf\u03c5 \u03c3\u03c5\u03c7\u03bd\u03ac \u03c3\u03c5\u03bd\u03c5\u03c0\u03ac\u03c1\u03c7\u03bf\u03c5\u03bd \u03c3\u03c4\u03bf\u03bd \u03b1\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03c4\u03b9\u03ba\u03cc \u03c4\u03bf\u03bc\u03ad\u03b1, [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":7708,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[31],"tags":[],"class_list":["post-7714","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u0397 \u03c7\u03c1\u03ae\u03c3\u03b7 \u03c4\u03bf\u03c5 \u03bc\u03bf\u03bd\u03c4\u03ad\u03bb\u03bf\u03c5 SCARF \u03c3\u03c4\u03b7 \u03b4\u03b9\u03b1\u03bd\u03bf\u03bc\u03ae \u0391\u03c3\u03c6\u03b1\u03bb\u03af\u03c3\u03b5\u03c9\u03bd - SoEasy Insurance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/soeasyinsurance.com.cy\/el\/2025\/07\/09\/scarf-model-in-insurance-gr\/\" 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