Cambrld8e Dlstrlct Scout Coundl Report And aDnts for th• y•ar endlnz31 Marth 2025 Tnee¥ Annual Report The Tru5teE4 are pleased to present thelr report for the perlod l AprS12024 to 31 March 2025. Reference and adrnlnlstratlon d•tsl Charlty name: Cambrldge D15trkt Scoui Cour1 Reglsterpd ChaAty Number. 1046049 ScrArt Dlstrkt Number IC(IJ1386 Prfndpal address: Cambrld£e Scout Centre. Green End Road. Camlxldw CB4 IRW The narnes of the T¢tee$ who manased the adMtle5 of the tharity durfn8 the year and up tp the date pf thE5 repofl and who 5eThed for the whole per5od unle55 Otherw15e stthd, are a5 follow5: Trnste• Geo e DevFne Chflstlne Mackry Hon Kee Lau Keith Lau William Hollld Chrls Ward Lee Ma50n Aobert Paln Phill Garrett Colln Sllts Alchard Hames Yassar Mustafa Geoff Ollv@r an FannF Role(s) Dlsirkt Chalr Dbtrkt Treasurer Ireslgned 31 March 2025 Dlslrlct Treasurer C04> ted l A rll 2025 Dlstrlct Lead Volurbteer untll 30" se tember 2024 DEsirlct Lead Volunteer 1° October 2024 ta 13°January 2025 D15trtrt Lead Vulunteer frum 14th Janua 1025 Truslee Truslee Trustee TAle0 Trv5tee Trustee Tee The rDle of District Adrnlni5trator has been provlded by Joanne McGawan. Adrnlntstrator ol the cambr[d8eshl cnty Scout Cuunul. The Di5tritt pay5 thE Cambrid8e5hlrE Courbty Scout Council for thEs service. Advls•rs The prfndpal banker5 of the durlng thls year have been: 8arclay5 plc, Cambrldge Uoyds Bank pl4 Chesterton Road and Sldnry StreeL Cambrfdge Independent Exarnlner Nlgel Poulter 32 West Street Over Cambs CB24 SPL Paylof13
Cambrfdge Dlstrlct Scout Councll Report and accounts for the year endlnR 31 Maith 2025 Structur•• governance and rn•nagement Gmrnlni d0mI The D15trlcf5 governlffl8 doajments are those of The Sccut As$thn. They consEst of a Royal Charter. whkh In turn glves authorlty to the Bye Law5 ol the AssoclatSon and The Polky, Or8anlsatlon and Rules of The Scout A55uElat50 th• Chrttyls conrtltut•d The Crfstrict Is a tNst estsbllshed under its rules whlth iro comrnon to 811 Scouts. The Councll adopted the Pollcy Or8an15atlon and Rules IPOR} publEshed by The Scout Assodatlaft Marth 2024. The Trustee Board adopted an open selectlofi process for Its trusteos from iho 2024 Annual General Meetlng, Trustees are appolnted at the Anrbual General Meetlng to serve for 1, 2 or 3 years e3clL They may then be re-appolnted followlnt the open selection proo5s and may continue on the Trttee Board for a maxtmum of nlne con5ecutlve year5 under PO The Trustee Board cortlnue5 ta att collethely L7n behalf ol Cambrfd8e LX5trict sCrt Counc51. The Coundl15 Sn turn re8Fs¢ered as a Charity wtth the Charlty CThnmEssiO Objethes and acllvl6es The oblectlves of the Dkstrkt are as a unlt of the Scout Assodatlon. Scouts Is a natlcnal movemenL open to young people aged 2S and adult volunteer& Appolntments are confirmed thrLW8h the Jolftlng protess appllcable to thelr rol Scoutlnl extsts to artively enwe and support ycuni people In thelr personal devplopmenl emwerlnl them to make a positfve cortrll¥Jtion to SCKlety. As SCOU Members are 8uided by the valuu ofr. Inie8rSty-We art wlth Integrlty, we are hofrt trustworthy and loyaL Re5ped- We have self-re5pett and re5pert for other Care- We support ethers and take care of the world In whkh we Ilve. Bellel- We pxplore our folth% beliets and atttde CoperatIon- We make a pwtNe dlfference: we coopefe vmh other5 Ind make fTSends. ScOutl takes plao when younu pepple. In portnef5hlp wlth adukt5, work tO8ethef based on the values ol koutsng and. Enjoy what they are do5n8 and have fun Take part In actfvitles Indoors a1 outdo Learn by dolrbg share In splritual rdettion Take responsSblllty arKI make dKJlces Undertske new and thallen8ln8 actlvlt5es Make and Ilve bytheir Promlse e20113
Cambrfdze Dlstrkt Scout Countll Report and accounts lor the yur endlw 31 Marth 2025 Composttlon of the Scout Di5trfcL relle(¢5n8 thange5 made ty The Scouts to team stNctures and roles tltles from 28 NOnber 2024: The Dlstrfrt 15 led ty the Dlstrfrt Lead Volurteer (fofmerty Dlstrkt Cornmlssloner) supported by Dtstrirt Appolntment5 05 below: IX5tr1rt Youth Lead (posttlon vacant) D15trlrt Leader5hlp Team mernbefs D15trlrt Te4rn Leads lor Programrne, Volunteerfng OLwelopmeni 1&24 years and Support Group Lead Volurbteers Ifornierty Group sCt Leaders) GovernaTrc• The Trusfeo Board Is a team af voluntoers who work tothher. as tharfty trustees, to make sure Scouts Is run safely and legally. At the heart of thelr role15 a focus pn strate, performance and as5uranci Effectbvo Trustee Board 8overnarKe help5 our volunteer5 defNer tsrrtastlc pro8rnmrne5 that glvo YOU people skills for Ibf ID dolng so. the Trustee Boaid sUPPQrt5 the D15tr1ct Leader5hlp team'5 deVelOent al sc1Th8 through the pruvi51on of acfvttles to Support Indivklual Scout VDUPS and SqulrrEls, 8eavers. Cubs and SCOU Explorer5. arE de518rbated a D15tr1rt 5ectk>n and as such the Dlstrlrt has brnader respon51billty for those sectlon5 Ind178 oveIht of fundi The Trustee Board meets apprDximately every three month5 and rEceln PUrtS frDrn the D15tr1 Lead Volunteer, Dtstrlct Treasu1 and Its suIHDmmlttee& The Tru5tee5, Srbdudin8 uffi(er5. fEcelvE no remurleratlon and thrrf and others who support the Scoutln8 actlvltFe5 of the DSstTkt do sa J5 volunteers, wlth there belng no cost to the Di5tr1ct lor the time commFttetL From 28 NtyÈmber 2DZ5. all Trustees arE regUiTEd to complete mandatory learnlng modules withln 6 fflth5 ofJolnin& The mudule5 Indude 5af¢ty. Safe8uardTn& Creatin8 5ndu51on Ind Beln8 1 Tnjslee In 5cout& Is the electoral body whlth supports srtin Sn Ihe d15tr1EL It15 the bth to whkh the Tste• Board ts acrountsbl Rlsks and Intérrtil tontrnl The major rlsks to whlth the tharfty are exposed been reEWed and wherE approprfate artfons taken to mitlgate those ri5k& The Distrirt has In place 5y5tem5 Of Iniernal contro15 that are desl8ned to proylde reasonable assuran aR3ln5t materlal mk5rnanagefft or1055. whlth IrKlude requlrfn8 two sSgnatorles for all payments and malrltefnce ol compreherth Insuran polide5 belleved $4ffl1clent to ensure the Insurable rSsks In relatlon to prnmbes and sllnllkant Iterni ol equlprmnt are c¢Jvered. Publk B•n•fft ststernont The Injstees conslder that tho DEstrict meets the Charlty Comrnlsslon's publle benefft crlterfa under both the advancemenl of eduGltlon and the advancement of dllwth]p or comrnunlty charlty headln8S. Paze 3 0113
Cambrldge Dlstrfct Scout Councll Report and accounts lor the year endlnz 31 Marth 2025 Trwtee< Report on the artmtles ol the (year efithd 31 March 2025> ambridKe D15trfrt Scouts contlnues to grow, wlth a 15X Inuease Irom 1537 (2014) to L537 (2025) In the numbors of YounE Peoplo. A cornparlson wlth pr£vId f¥ure5 shows a 51gnlflcant growth of approxlmatety ICI Wo have a waitln£ Ibtof 450+ Youn£ People whlch15 D 5moll de(re15e from 2024 when we had over XK) Young People Wa£ for places In scoutl Thank ypu to the 445 aduh volunteers that mako Cambrld8e an excellent place tg experfen Scouttn8 and to teath our Youni People Skllls for Ufe. TTan5fprmatlon ntInUeS to take place, Ouf volunteern Vttlng Ld to the new 5tNrture. Wlth a new D15trfrt Team In place. we can move Iofward pasltlvely wlth the coffect 5UPPQrt nerwofk Sn place.The 14-24 year5Team15 an arEa we contlnue io need morn support for. Oistrftt led octiwtles contlnue to thrive, vthh a PrraMme Team naw In place for the Youn8er SertloTh& Thanl to DebbSe R051er. Sue Fannin& Andrew Davtson & GreB Harewood for all clthelr efforts Ilnk]n8 to PrD8rnmme. Nlghts Awiy events contlnu5n8 to return to thelr prtrc0d strenWI. wlth the excellent suppon ofour Nlghts Away Approwal Tearn. Deb Thoma5. In partlcular. wa$ tirelessly to wppcrft thLs approval process to erble 50rne many Youn8 People eXperIen NIKhts Away events. There Is also excellent support fTUrn Dave nnkins io Nlghts Away Pormlt Appllcatlon& Thank you also to all the volunteer5 who Blve up thelr time lor Nl£htsAway Events. suth an lfflrrtytant part of our Pro8rnrnme. Looklng forward, we have excftlng plans fvr 2016 and beyond. The sale of the Peme Road Ha after tho year end prOdeS a 5frnng firn(la1 baEkin8 to our fvtuo Pla The FSrnance Team have spent i lot of tlme ensurlng the funds we acqulred from thE Sale orp placed In hlgh Interest accounts, to ensure we earn Interes1 whlle dectslon5 Iro made on what to dowith the fvnd5 Eolni forward. The corUl(all0n, headed up by the Fund5 Panel.15 50 Important for Leaders & Volunteers to have volce In how ObCt Should move lorward wth these fundk Thank yuu to both ol these team& The Dlstrfct Leadershlp Tearn agreed a prov151onal IrrterE5t In the Dernford Nuok Campsite ProJecL D5scusslon wlll be on80in8 wSth Tom Hortley and tt'5 really Important we aTralyse thEs project In the ccrrert way. lookln8 at barrfer5 afKI a55es51n8 the relatfpn5hip hty4e¢n the workload and the posltfve5 that thls PfQ]eEt potentlally ha5. outlrbg wlll also be returnlng to our DFstrfrt HQ vAth UkTrlnlan scjts (members of PLA5n 5rt to meet In the HQfrom October 2025. Thls15 J reil posltfve for the H The Dlstrkt Team look lorwartl tp sttlni you In the upcomlns year Hn•nd•l Rwl•w Ros•r¥e5 poIIcy The trustees have revlewed the level of 8eneral re5erve% nqcessary to the oniolni actlvlues of the Trustee Board. Th15 has been a55e55ed a5 beln8 the arnJnt to approxImate cover the genernl expenditure ol the D15tr1ct. eXcIn8 upenditufe for sertlofts actlvltles whlch are seIl.fund5r for the perlod cf rjne year. plu5 a further amount as contln£er)cy for posslble unforeseen costs In relatlcn to (X5tt prErnise and to enable contlnued support for the d0Pment ofScouiln8 In the Page 4 0113
Cambrldge Dlstrlct Scout Councll Report and accounts for the year endlnK 31 Marth 2025 dlstrlcL Thls equates to approAlmately E25.CQJ. Fcr th15 purpose, general re5ems exdude amaunts held by Sectlans whlth are de518rbat fgr fprthEomlfW athltles and omounts set aslde for spedflc future events sh asjamborees. reserves hold as 31 March 2025 ccmpflsed £73.952 In the Benerol fvnd net cf sertlon balances. The Trustee Board b contlnulng tg revlew the deployrnent cf lund5 In 5UPPOrtlni of Scoutlng whllst beln& mlndful ol the nee(1 tv retsln 5uM(ient funds to help mltI8ate rlskk The Ttee Board wlll Continue tu be pro4ctlve Fn flfidlnB addluorbal fvnds should the level of thp ienerdl fund fall below the e1 Commerlfate wlth fflalrbtalnkni the flnandal SlIty olthe DistricL Investment pollry The Distrirt doe5 not have suffldent funds to Invest In lonEer terni Itwostmerrt* The D15trfct ha5 therelore adopted a rfsk adverse Strategy ta the Investment of sts lunds. All fvnd5 are held In sh usFn8 only malnllream banks or lIdIng sodetS. The Dlstrfct HQ Is let when not requlrod for ScrtIn8 and Income15 3150 recefved from rental of a resldentlal flat held as an trwostrnent wopert¥. both tg Prk Income to 5UPPOrt the Dlstrlrfs Approval ol the Trustee's Report and accounts Thls repD¢ Includlng tho flnandal statements. wa5 appr(ed ty the TSteel un 23 ¥ember 2025 and has been sF£ned on thelf behalf by. Mr G Devlne (thalr) Mr5 Chrf5tlne MKkey (freasurer) Pa8e 5 al 13
Cambrfdge Dlstrlct Scout Councll Report and accounts for the year eThd1 31 Marth 2025 Fkn•ndal Statefi)ts fof the yew endlrq 31 M•rth 2025 Statemert ol FIA11 Actlvlues for the yt•r endlr¥ 31 Marth 20Z5 31st March 2024 Tothi 31st Marth 2025 Noi8 UnrOstrM Restrkt•J Totsl Fundj F(mds VdLmtsry Irv>J Investrmnt In 1,340 9.701 9,521 51,075 54.859 61137 65.726 9,701 51,075 62,137 TCAAI InccAnlng r•3QL Chontsble othllle8 {49,7tr2) (eoo) {e213) (58.714 (49.702) {66,Cth) (80D) (8,213) ri.138) (56,715> r13.947) G0MarKe cost8 3.422 104.073 107.495 3.422 (9,846) 104.073 113,919 107.4D5 104,072 Funds b[Ight fiTha Funds carrknl fDrwBn Bal•r•C sheet for th• y••r 31 Mjrth 20Z5 312024 Nole Unr8slrfded Rostrkaod Tvtsl T(al Fur Fund8 Current assets 15m7 G83h at bank In huMI 41,424 60.812 41.424 60.812 121.322 38.746 353 N8Uonal SaV1r accowrt Total c8sh at wvj 102235 109.184 (1,688) 102235 109.184 (1,688) 158,421 174,258 TO,186) Crediiofs - allKwnl fallkng due UnrnBtrlded funds Regtricted furKts Toi81 fvn 12 11 107A95 107.495 104,073 107.495 107,495 104,073 Pa8e 6 uf 13
Cambrld8e Dlstrfct Scout Councll Report and iccounts for th• y•ar endlni 31 Marth 2025 Plotu ta th• •¢(ounts lof th• y•v endlnl JI 1(h 20245 L B•5b of The cfits have been prepared an th basls of hlstorlc cosi In ic£ordance wlth; A((nting and Reportfn8 Ch•rftle5- 5tstttnent of RecommeThded Pracuce ISORP (FRS 1021) AcEountln¢ Standards. and Charltles 2011 l A¢u11nB pId•9 Incom51 resource5 are Induded In the Statement ol Flnanclal A£tlth (SoFA> vthen: The tharity become5 entltled to the resources: The trustees are rtUallY certsin thev wlll rEfve the resources. pnd The monetsry value can be measured wlth Suent reltabllity When IrKomln8 resources have related expend1. the Incomlnu resources and related expendiwre are reported Br In the SOF Grnnts and dIx110n5 Grdnts and donatlons are onty Included In the SDFA when the thartty hos unconditkn•l errtltkment to the resources Donated servlcos or tsdlltles are only Snduded In Inwmlns resourco51wlth an equlvalent afflount Sn re5Wfces exppr)W where the benefits to tht thority Is osonably quanffièbli measureable and rnaterlal. The value plxed on these re50urce51s the estimated value th the tharity of the Service ar fadllty rKeive Gfftskn kJTrd Gifts In klnd are Cnted for 45 rEasonable estlmat¢ of thelr lue tothe thJrfty or the amaunt actually feallsed. Gifts In k5nd for use by the tharity arn Included In the SOFA as Incomlns resourc05 when rectlvable. Varrte•f Help The value of any voluntary help re¢ofved1s not Ind(Kled In the flnandal staternents. L7 Investment Income Investment Income Is Induded In the SOFA when rtteable. Uablllty Uabllltle5 are recrynlsed as soon there15 • le8al or canstruL11ve obll8atlon commlttlnl the tharlty to pay out res4we P4o70113
Cambridge Dlstrkt SCO Coundl R•port and accounts for the year endln¢ 31 Marth Z025 Governance custs Includo ary costs suth a5 prEparlng and exarnlnlr)8 the statutory accounts, the cort of Tntee meetlngs. 8erbErnI Ddrnlnlstratlon and th? E05ts of ary leBal ad¥ke to tn15tee5 on governance and CortU0nal matter& LIO Grnnts payabk wfthout perknnw ¢ondttknn5 Theso arn only reco8nFsed In the flnancial Ststsments wherb a Cofnmltment bee made and there arp nowndltlofts ta be met rElaUfY to theArnnts whkh remaln In the control of the thaiity. Tafi8lble flxed assets compr1s1 freehold leasehold proth are recognlsed as htstGrfc cost The Th"5trlct does not revalue Such assots for accwntln8 pufposL¥S. 111 Affla hdd on b•halloforoupg th•t hm dos•d Th• accounts IlUde amounts held on behalfofwps that have closed. When a Rroup doses. funds are transferred to the Dknkt In Kdance wlth the Polky. Organi5atlon and Rules of the A$5(xlatlon. lunds are then held by Distri¢ elther for use ty a rovlonred gn>up where thEs Is con51derEd Ilkely or forthe development of ScDuiIn4 wlthln the D15tr1rt generally. at the dtscretlon of the DFstrkt Trustee Board. Pa¥e 8 ol 13
Cambrldge Dlstrkt Scout Coundl Report and a(rtts lor the year 31 Marth 2025 31Wkn25 3110J2024 Vlary lfifxfflo 69.934 Lam mambernNpa loos 61•1 payatle 10 Cantsldpo so1 fTT.369) (69,934) Glft 701 Hko ol HQ Fo88 tr trBInlng Dtstrl(a OLINIU Explmr oc103 (exdthW gift ohd) 1,69) 520 36243 4.710 2.924 Cub sothn athlltos 241 1.316 513 Salé ol Badges 417 137 Pa£e 9 of 13
Carnbrldge Dlstrlrt Scout Councll Report and •ccounts forth• yeir •ndlni 31 Marth 2025 3110Y2025 3111kVX124 Dl*lct w¥J 914 F12 Flre SecLvfty 1,346 1.647 1352 132 123 BLtslrws r8tes Fn BL•hSr¥J YK4ts arrfl JLSt G41ry 120 614 104 243 31.37U 3.449 Cib Soc0( Klclllo8 311 wld 1Cth Cwtrldp (Grkn} 11S4 Elistrkl 8mlc• C4strlcl Te&Yn Ey 245 13 5. Ewlles •nd1tt5 The trustees do not recelve any payment for actln8 as tntstees of the charity. The enmFner recthed no remurwatknn for the Independent examlnatlon of fv aCunt& hBe 10 (rf IJ
CambrldBe Dlstrict Scout Councll Raport and •crounts for the year endo 31 Marth 2025 On d05ure of 54° Cambrld8e sCt Grnp, the GrDUP'5 lomw Hqat Green Ra. Cambrfd8e •nd a leasehold flat it Re8atta CM CamMd8e were transferred to the Dtstrkt t nll COSL The bulldln8 It Green End Road Is now used as Dlstrirt Hq and the flat contlnues to be let on a short.iemi tenaw to 8enerate Income ta SUPM the admtjes ol the Di#rkL No valutlon of the wemlses have been obtalmd. 31llJY2025 311(rrb)24 1171 15,838 l. CrnlftorL" Im¢Mhits lalltsydu• wlthln one year 3110Y2025 31mM24 3V03n025 3Y03n024 (Xstrfct Explorer Unlts nut attathed ta Group5 ScoLrt¥ Cubs Beavers Squlrrels 68 .$06 383 IB.732 5.426 290 40399 Il330 5,460 241 There are no comrnltffleftts to expendlture at 31° Marth 2025 Pa8e 11 of 13
Cambrfdge Dlstrkt Scout Coundl Report and attounts for the year endln£ 31 March 2025 The Dlstrlrt hold5 no rEstrkted end{nent fvndj Unr•rtrkt•d fundi Fj Fu1 erMI Wa 1.163 1.821 JfirtAY FL GtrnrBI Fw T(Aal LThestrlcknd f1• 1.183 137 301 31n)3r25 31mr2024 11,812 13264 The Dlstrict has a pfrats Intertrt kn the freehold of the fDm)er Scout shop premlse5 at Peme Road, Cambridge. based on the dedad census numbers In thE precedln8 Or. The Cambrldge Dlstrlrt partldpate5 Sn the Jolnt Ualson alon851de Craft HS11 DlstriEt whlth rTbanage5 the the. Tho arrunts above do not Indude a valuatlon of the Perne Ruad property. arEthe tfJ¢al a55ets and not the share that mlght be attrlbutable to the Di5triEL Pa8e 12 of 13
Cambrldge Dlstrlct Scout Coundl Roport and accounts forth• year •th131 Marth 2025 Indep¢ndqrt EUMWJ R•port to th• Tru5tMJ ol Cwnbrwy Dlmrfrt Scout Coundl Pa8e U of IJ
Cambrfdge Dlstrfrt Scout Coundl Report •nd accounts lor th• year efid1 31 Marth 2025 lTrd•p•nd•nt ExJmln¢e% Report to th• Trust••s ol &mbrfdi• D15trtt S(rt CouThSI I report on the accourbts olthe DEstrkt for the year eNled 31 Mirrh 2025 whlch comprtse the sthternent of FlnarK5al Attlvitles. ¢hE Balance Sheet related note5 Sei outun pa8¢5 6 to 13. Thts repart Is made solety to the trustees In actofdaru wSth Sectlon 145 of the tharftles kt 201L My work has been undertaken 50 thot I ml8ht State to the tharlvs trnstee5 those matters l am quEred to SLlte to them In an IndeperKlent Enmlmrfs report aTrd for M otherpurpm. To tl fullest extent permitted by law. I du [t Jcopt or assuffle responslblllty to Irryone other than the tharfty and the chartty tnte5 fpr nry examlnatlon wor Reswtuve resp0nslblfft1 of Tnjstees Ind Ex•rnlner The Oistricfs trusiees are responstble fDr the preparatknn of the accountL They conslder that in udit Is rbot requlroé for the year (under Sectk>n 144 Dlthe Charltles Act 2011 {the Charlty Act)) ind that an Independent examlnatlon Is needed. It ts my responb5t1ty to: Examlne the accounts (under Secuon 145 of the Charitle5 Act). To follow the procedures lald dovffi In the GeneThl DlrECtlon5 Ilven the Charlty CommFsslcn (under Sertlon 14S}{h} of ihe tharlty #£t) arvj To state whether matters have come ta my attenllorL Bath ol Ind•p•nd•rt ExJfflln•rfg report My exarnlnaikln YA5 Earrled out Fn acconlance wlth the Genenl Dlrectlon5 Klvtn ty the Charlty Commlssloner& An examlmtlon IndLwJes a revlew of the •ccountIng record5 kept by the D15trlct arKI I campirlson of the accuunts presented v4tth those recordL li alsa Indudes conslderatlon ol anv unusual Itern5 or d15c105ure5 In the èccounts and seeklw explaMiloThs froffl you as trustees concèrnlng ary such mitter. The prucedures undertaken do not provlde all the Idence that would be roqulred In an audiL arwj consequently no op5nlon Ss 8Even as to v4helher the accourbts present a "true and filff vlew and tht repDrt15 Itmited to those matters set Oul In the statemeni below. lTh*•nd•nt Exarnln•rf5 Stthm•nt In connectk>n wlth my ex•mlrwtlDn. no mthr has come to my attentlon: l. whlch glves me reasonable c4u5e to 1[eve that in any materlal respect the requlrernonts To keep accountlng record5 In accordance th2 5ectFon 130 of the tharktjes Act and To prepare icrounts whlch accord wlth the accountln8 records ind compty %vlth th• cuntIng requlrement of the CharitFe5 Act have no¢ been mei or 2. to whlth, In my oplnlon, itten 5Uld be dTrwn In order to onable i proper underst•r)dlni of the iccounts to be reithed. N M Poultoi Date 5couts- Be Prepared PaBe 14 cf 14