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2025-08-31-accounts

CHARITY REGISTRATION NUMBER: 1080687

Support Malawi

Financial Statements

For the year ended 31 August 2025

Support Malawi

Financial Statements

Year ended 31 August 2025

Pages
Trustees' annual report 1 to 4
Independent auditor's report to the members 5 to 8
Statement of financial activities 9
Statement of financial position 10
Statement of cash flows 11
Notes to the financial statements 12 to 17

Support Malawi

Trustees' Annual Report

Year ended 31 August 2025

The trustees present their report and the financial statements of the charity for the year ended 31 August 2025.

Reference and administrative details
Registered charity name Support Malawi
Charity registration number 1080687
Principal office 6 Hall Green Lane
Fenstanton
Cambridgeshire
PE28 9JH
The trustees J Charter
Mr N Fernandez
Mr A Stephens
Mr D Moore
C Johnson
C O Searle (Appointed 25 March 2025)
AUDITOR Streets Audit LLP
Chartered Accountants & Statutory Auditor
3 Wellbrook Court
Girton
Cambridge
CB3 0NA
BANKERS Lloyds Bank plc
Gonville Place
Cambridge
CB2 1BQ
SOLICITORS Taylor Vinters
Merlin Place
Milton Road
Cambridge
CB4 0DP

- 1 -

Support Malawi

Trustees' Annual Report (continued)

Year ended 31 August 2025

Achievements and future plans

Achievements and performance

The charity was set up to aid the relief of poverty in Malawi. The charity achieves this through the care and education of orphans and vulnerable children.

The charity has 12 centres throughout southern Malawi. It currently has approximately 2,000 children and vulnerable adults under its umbrella of care. The charity provides shelter, clothing, food, healthcare and education for its beneficiaries. Four schools, three healthcare clinics and a girls' hostel have already been built.

Costs rose significantly in Malawi, which required us to focus on our core values and actual need. Following careful assessment by our social services department we were able to identify children that no longer needed our services, as they were sustained at home. We reduced the number of children and vulnerable adults that we were supporting from approximately 3,000 in the previous year.

In addition, our relief program caters for 1,500+ babies, elderly and handicapped people providing maize, blankets, roofing materials, seed and fertiliser etc.

The cost of maize, which is a staple food, increased by about 30%. Maize was bought at the start of the season to offset these rises, and support was provided to the staff at the centres to give them a stable price.

We built and opened a maize mill at Umodzi. We now mill our own maize and the mill is available to the community, raising funds for our work.

Although funding from Deloittes was no longer available during this year, we continued with agricultural training in rural areas reaching 1500 families who would otherwise have experienced food instability.

We planned last year to build sustainable bakeries in multiple centres. This did not happen as the intended users would not have had sufficient funds to buy the raw ingredients.

Plans for future periods

The trustees are committed to continue working on the existing projects and to seek further ways to alleviate poverty and suffering in Malawi. For example, the rising cost of living is impacting all aspects of our work.

The trustees are aware of the challenges caused by reduced income and increasing costs. They will prioritise projects to balance income with expenditure.

We will keep an eye on the opportunity to build sustainable bakeries should this become cost effective for the intended users.

We hope to develop biogas digester technology to avoid the need for tree-grown firewood. We are also growing bamboo as a firewood replacement. We will trial the use of bamboo versus firewood.

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Support Malawi

Trustees' Annual Report (continued)

Year ended 31 August 2025

Structure, governance and management

Status

The charity was established by trust deed on 25 April 2000 and was registered with the Charity Commission, number 1080687, on 12 May 2000 under the name "Aquaid Lifeline Fund". In March 2024, the trustees changed the name to "Support Malawi".

Trustees

There shall be at least three trustees who are appointed in accordance with the trust deed. When appointing trustees, the current trustees shall consider how he or she will make a contribution to the pursuit of the objects or the management of the charity. No person may be eligible to act as a trustee unless he or she has attained the age of eighteen years. The trustees shall hold at least two meetings in each year.

Organisational structure

The trustees determine the general policy of the organisation. The day to day management of the charity is delegated to trustee J Charter.

Risk management

The trustees have assessed the major risks to which the charity is exposed and are satisfied that systems are in place to mitigate any exposure to such risks.

Objectives and activities

The objects of the charity are the relief of poverty and the advancement of education of children and other needy people in Malawi. The objects are achieved largely by making grants to AquAid Lifeline Malawi, an independent charity based in Malawi, which is responsible for the day-to-day relief work.

In the exercise of our powers to that end we have paid due regard to the published guidance from the Charity Commission on the operation of the Public Benefit requirement under the Charities Act 2011.

Financial review

Reserves

The charity's free reserves are represented by its unrestricted net assets of £227,619 as of 31st August 2025.

The level of free reserves is targeted to cover approximately three months of project expenditure, which the trustees regard as prudent.

Principal funding sources

The charity receives the majority of its income by way of donations from Cooleraid Limited and also receives significant donations from Aquaid Franchising; Dalitso, Arbroath; St Marys Church Hitchin; Mission Guides (formerly Spring Lake Church) Wisconsin, Es Devlin and Citystay Cambridge. The trustees are extremely grateful for this support and for the support of all of the charity's donors.

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Support Malawi

Trustees' Annual Report (continued)

Year ended 31 August 2025

Financial review (continued)

Investment powers

These are governed by the trust deed which permits any investments held in the name of any clearing bank, any trust corporation or any stockbroking company which is a member of the Stock Exchange.

Trustees' responsibilities statement

The trustees are responsible for preparing the trustees' report and the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).

The law applicable to charities in England and Wales requires the charity trustees to prepare financial statements for each year which give a true and fair view of the state of affairs of the charity and of the incoming resources and application of resources, of the charity for that period.

In preparing these financial statements, the trustees are required to:

The trustees are responsible for keeping adequate accounting records that are sufficient to show and explain the charity's transactions and disclose with reasonable accuracy at any time the financial position of the charity and enable them to ensure that the financial statements comply with the Charities Act 2011, the applicable Charities (Accounts and Reports) Regulations, and the provisions of the Trust Deed. They are also responsible for safeguarding the assets of the charity and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

The trustees' annual report was approved on .............................. and signed on behalf of the board of trustees by:

J Charter Trustee

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Support Malawi

Independent Auditor's Report to the Members of Support Malawi

Year ended 31 August 2025

Opinion

We have audited the financial statements of Support Malawi (the 'charity') for the year ended 31 August 2025 which comprise the statement of financial activities, statement of financial position, statement of cash flows and the related notes, including a summary of significant accounting policies. The financial reporting framework that has been applied in their preparation is applicable law and United Kingdom Accounting Standards, including FRS 102 The Financial Reporting Standard applicable in the UK and Republic of Ireland (United Kingdom Generally Accepted Accounting Practice).

In our opinion the financial statements:

Basis for opinion

We conducted our audit in accordance with International Standards on Auditing (UK) (ISAs (UK)) and applicable law. Our responsibilities under those standards are further described in the auditor's responsibilities for the audit of the financial statements section of our report. We are independent of the charity in accordance with the ethical requirements that are relevant to our audit of the financial statements in the UK, including the FRC’s Ethical Standard, and we have fulfilled our other ethical responsibilities in accordance with these requirements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion.

Conclusions relating to going concern

In auditing the financial statements, we have concluded that the trustees' use of the going concern basis of accounting in the preparation of the financial statements is appropriate.

Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the charity's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.

Our responsibilities and the responsibilities of the trustees with respect to going concern are described in the relevant sections of this report.

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Support Malawi

Independent Auditor's Report to the Members of Support Malawi (continued)

Year ended 31 August 2025

Other information

The other information comprises the information included in the annual report, other than the financial statements and our auditor’s report thereon. The trustees are responsible for the other information. Our opinion on the financial statements does not cover the other information and, except to the extent otherwise explicitly stated in our report, we do not express any form of assurance conclusion thereon.

In connection with our audit of the financial statements, our responsibility is to read the other information and, in doing so, consider whether the other information is materially inconsistent with the financial statements or our knowledge obtained in the audit or otherwise appears to be materially misstated. If we identify such material inconsistencies or apparent material misstatements, we are required to determine whether there is a material misstatement in the financial statements or a material misstatement of the other information. If, based on the work we have performed, we conclude that there is a material misstatement of this other information, we are required to report that fact.

We have nothing to report in this regard.

Matters on which we are required to report by exception

In the light of the knowledge and understanding of the charity and its environment obtained in the course of the audit, we have not identified material misstatements in the trustees' report.

We have nothing to report in respect of the following matters in relation to which the Charities Act 2011 requires us to report to you if, in our opinion:

Responsibilities of trustees

As explained more fully in the trustees' responsibilities statement, the trustees are responsible for the preparation of the financial statements and for being satisfied that they give a true and fair view, and for such internal control as the trustees determine is necessary to enable the preparation of financial statements that are free from material misstatement, whether due to fraud or error.

In preparing the financial statements, the trustees are responsible for assessing the charity's ability to continue as a going concern, disclosing, as applicable, matters related to going concern and using the going concern basis of accounting unless the trustees either intend to liquidate the charity or to cease operations, or have no realistic alternative but to do so.

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Support Malawi

Independent Auditor's Report to the Members of Support Malawi (continued)

Year ended 31 August 2025

Auditor's responsibilities for the audit of the financial statements

Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an auditor’s report that includes our opinion. Reasonable assurance is a high level of assurance, but is not a guarantee that an audit conducted in accordance with ISAs (UK) will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected to influence the economic decisions of users taken on the basis of these financial statements.

Irregularities, including fraud, are instances of non-compliance with laws and regulations. We design procedures in line with our responsibilities, outlined above, to detect material misstatements in respect of irregularities, including fraud. The extent to which our procedures are capable of detecting irregularities, including fraud is detailed below:

Our approach to identifying and assessing the risks of material misstatement in respect of irregularities, including fraud and non-compliance with laws and regulations, was as follows:

We assessed the susceptibility of the charity's financial statements to material misstatement, including obtaining an understanding of how fraud might occur, by:

To address the risk of fraud through management bias and override of controls, we:

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Support Malawi

Independent Auditor's Report to the Members of Support Malawi (continued)

Year ended 31 August 2025

In response to the risk of irregularities and non-compliance with laws and regulations, we designed procedures which included, but were not limited to:

There are inherent limitations in our audit procedures described above. The more removed that laws and regulations are from financial transactions, the less likely it is that we would become aware of non-compliance. Auditing standards also limit the audit procedures required to identify non-compliance with laws and regulations to enquiry of the trustees and other management and the inspection of regulatory and legal correspondence, if any.

Material misstatements that arise due to fraud can be harder to detect than those that arise from error as they may involve deliberate concealment or collusion.

A further description of our responsibilities for the audit of the financial statements is located on the Financial Reporting Council’s website at www.frc.org.uk/auditorsresponsibilities. This description forms part of our auditor’s report.

Use of our report

This report is made solely to the charity's members, as a body, in accordance with section 144 of the Charities Act 2011 and regulations made under section 154 of that Act. Our audit work has been undertaken so that we might state to the charity's members those matters we are required to state to them in an auditor's report and for no other purpose. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than the charity and the charity's members as a body, for our audit work, for this report, or for the opinions we have formed.

Streets Audit LLP Chartered Accountants & Statutory Auditor 3 Wellbrook Court Girton Cambridge CB3 0NA

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Support Malawi

Statement of Financial Activities

Year ended 31 August 2025

2025 2024
Unrestricted Restricted
funds funds Total funds Total funds
Note £ £ £ £
Income and endowments
Donations and legacies 4 1,188,288 225,551 1,413,839 1,235,307
Investment income 5 87 87 81
──────────── ───────── ──────────── ────────────
Total income 1,188,375 225,551 1,413,926 1,235,388
════════════ ═════════ ════════════ ════════════
Expenditure
Expenditure on charitable activities 6,7 1,211,406 241,224 1,452,630 1,297,189
──────────── ───────── ──────────── ────────────
Total expenditure 1,211,406 241,224 1,452,630 1,297,189
════════════ ═════════ ════════════ ════════════
──────────── ───────── ──────────── ────────────
Net expenditure (23,031) (15,673) (38,704) (61,801)
════════════ ═════════ ════════════ ════════════
Transfers between funds 14 (27,756) 27,756
──────────── ───────── ──────────── ────────────
Net movement in funds (50,787) 12,083 (38,704) (61,801)
Reconciliation of funds
Total funds brought forward 278,406 (5,024) 273,382 335,183
──────────── ───────── ──────────── ────────────
Total funds carried forward 227,619
════════════
7,059
═════════
234,678
════════════
273,382
════════════

The statement of financial activities includes all gains and losses recognised in the year. All income and expenditure derive from continuing activities.

The notes on pages 12 to 17 form part of these financial statements.

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Support Malawi

Statement of Financial Position

31 August 2025

2025 2024
Note £ £ £ £
Current assets
Debtors 12 36,775 38,180
Cash at bank and in hand 200,428 240,447
───────── ─────────
237,203 278,627
Creditors: amounts falling due within
one year 13 2,525 5,245
───────── ─────────
Net current assets 234,678 273,382
───────── ─────────
Total assets less current liabilities 234,678 273,382
───────── ─────────
Net assets 234,678 273,382
═════════ ═════════
Funds of the charity
Restricted funds 7,059 (5,024)
Unrestricted funds 227,619 278,406
───────── ─────────
Total charity funds 14 234,678
═════════
273,382
═════════

These financial statements were approved by the board of trustees and authorised for issue on ………………, and are signed on behalf of the board by:

J Charter Trustee

The notes on pages 12 to 17 form part of these financial statements.

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Support Malawi

Statement of Cash Flows

Year ended 31 August 2025

2025 2024
£ £
Cash flows from operating activities
Net expenditure (38,704) (61,801)
Adjustments for:
Other interest receivable and similar income (87) (81)
Changes in:
Trade and other debtors 1,405 3,149
Trade and other creditors (2,720) 693
──────── ────────
Cash generated from operations (40,106) (58,040)
Interest received 87 81
──────── ────────
Net cash used in operating activities (40,019) (57,959)
════════ ════════
Net decrease in cash and cash equivalents (40,019) (57,959)
Cash and cash equivalents at beginning of year 240,447 298,406
───────── ─────────
Cash and cash equivalents at end of year 200,428
═════════
240,447
═════════

The notes on pages 12 to 17 form part of these financial statements.

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Support Malawi

Notes to the Financial Statements

Year ended 31 August 2025

1. General information

The charity is a public benefit entity as defined by FRS 102.

2. Statement of compliance

These financial statements have been prepared in compliance with FRS 102, 'The Financial Reporting Standard applicable in the UK and the Republic of Ireland', the Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (Charities SORP (FRS 102)) and the Charities Act 2011.

3. Accounting policies

Basis of preparation

The financial statements have been prepared on the historical cost basis.

The financial statements are prepared in sterling, which is the functional currency of the entity.

Going concern

There are no material uncertainties about the charity's ability to continue as a going concern.

Judgements and key sources of estimation uncertainty

The preparation of the financial statements requires management to make judgements, estimates and assumptions that affect the amounts reported. These estimates and judgements are continually reviewed and are based on experience and other factors, including expectations of future events that are believed to be reasonable under the circumstances.

Significant judgements

There are no judgements (apart from those involving estimations) that management has made in the process of applying the charity's accounting policies.

Fund accounting

General funds are unrestricted funds which are available for use at the discretion of the trustees in furtherance of the general objectives of the charity and which have not been designated for other purposes.

Designated funds are unrestricted funds that have been set aside by the trustees for particular purposes.

Restricted funds are funds which are to be used in accordance with specific restrictions imposed by donors or which have been raised by the Charity for particular purposes. The aim and use of restricted funds are set out in the notes to the accounts.

Incoming resources

All income is included in the statement of financial activities when entitlement has passed to the charity, it is probable that the economic benefits associated with the transaction will flow to the charity and the amount can be reliably measured. The following specific policies are applied to particular categories of income:

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Support Malawi

Notes to the Financial Statements (continued)

Year ended 31 August 2025

3. Accounting policies (continued)

Incoming resources (continued)

Resources expended

Expenditure is recognised on an accrual basis as a liability is incurred.

Charitable expenditure comprises those costs incurred by the charity in furtherance of the charity's objectives and represents the cost of goods and services and ancillary trading costs that have been incurred in charitable activities. It includes both costs that can be allocated directly to such activities and those costs of an indirect nature necessary to support them.

Governance costs include those costs associated with meeting the constitutional and statutory requirement of the charity and include accountancy fees and costs linked to the strategic management of the charity.

Grants payable are included in the Statement of Financial Activities when they have been committed by the trustees.

Tangible assets

All fixed assets are initially recorded at cost or, in cases where fixed assets have been donated to Aquaid Lifeline Fund, at fair value at the time of gift.

Depreciation

Depreciation is calculated so as to write off the cost or valuation of an asset, less its residual value, over the useful economic life of that asset as follows:

Fixtures & fittings

Value added tax

As the majority of the charity's activities are classified as exempt or non-business activities for the purposes of value added tax, the charity is not value added tax registered. Expenditure in these financial statements is therefore shown inclusive of value added tax.

Taxation

No provision has been made for tax as the charity is a registered charity and is therefore exempt.

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Support Malawi

Notes to the Financial Statements (continued)

Year ended 31 August 2025

4. Donations and legacies

Unrestricted Restricted Total Funds
Funds Funds 2025
£ £ £
Donations
Donations 240,814 216,954 457,768
Donations from Cooleraid Limited 888,123 888,123
Donations from Aquaid Franchising Limited 31,200 31,200
Gift aid 28,151 8,597 36,748
──────────── ───────── ────────────
1,188,288 225,551 1,413,839
════════════ ═════════ ════════════
Unrestricted Restricted Total Funds
Funds Funds 2024
£ £ £
Donations
Donations 199,029 202,966 401,995
Donations from Cooleraid Limited 763,932 763,932
Donations from Aquaid Franchising Limited 31,200 31,200
Gift aid 30,995 7,185 38,180
──────────── ───────── ────────────
1,025,156
════════════
210,151
═════════
1,235,307
════════════

5. Investment income

Unrestricted Total Funds Unrestricted Total Funds
Funds 2025 Funds 2024
£ £ £ £
Bank interest receivable 87 87 81 81
════ ════ ════ ════
Expenditure on charitable activities by fund type
Unrestricted Restricted Total Funds
Funds Funds 2025
£ £ £
Donations to project work 1,209,476 241,224 1,450,700
Support costs 1,930 1,930
──────────── ───────── ────────────
1,211,406 241,224 1,452,630
════════════ ═════════ ════════════
Unrestricted Restricted Total Funds
Funds Funds 2024
£ £ £
Donations to project work 1,078,789 215,548 1,294,337
Support costs 2,852 2,852
──────────── ───────── ────────────
1,081,641
════════════
215,548
═════════
1,297,189
════════════

6. Expenditure on charitable activities by fund type

The donations to project work represent the grants paid to Aquaid Lifeline Malawi, an independent charity based in Malawi which is responsible for the day to day relief work.

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Support Malawi

Notes to the Financial Statements (continued)

Year ended 31 August 2025

7. Expenditure on charitable activities by activity type

Activities
undertaken Total funds Total fund
directly Support costs 2025 2024
£ £ £ £
Donations to project work 1,450,700 1,450,700 1,294,337
Governance costs 1,930 1,930 2,852
──────────── ─────── ──────────── ────────────
1,450,700 1,930 1,452,630 1,297,189
════════════ ═══════ ════════════ ════════════
Auditors remuneration
2025 2024
£ £
Fees payable for the audit of the financial statements 1,930
═══════
2,852
═══════

8. Auditors remuneration

9. Trustee remuneration and expenses

The trustees received no remuneration, benefits or claimed any expenses from the charity.

10. Staff costs

No salaries or wages were paid to employees, including the trustees, during the year.

11. Tangible fixed assets

Fixtures and
fittings
£
Cost
At 1 September 2024 and 31 August 2025 665
════
Depreciation
At 1 September 2024 and 31 August 2025 665
════
Carrying amount
At 31 August 2025
════
At 31 August 2024
════
12. Debtors
2025 2024
£ £
Prepayments and accrued income 36,775 38,180
════════ ════════

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Support Malawi

Notes to the Financial Statements (continued)

Year ended 31 August 2025

13. Creditors: amounts falling due within one year

2025 2024
£ £
Trade creditors 2,268
Accruals and deferred income 2,525 2,977
─────── ───────
2,525
═══════
5,245
═══════

14. Analysis of charitable funds

Unrestricted funds

Unrestricted funds
At 1 September At 31 August
2024 Income Expenditure Transfers 2025
£ £ £ £ £
General funds 278,406 1,188,375 (1,211,406) (27,756) 227,619
═════════ ════════════ ════════════ ════════ ═════════
At 1 September At 31 August
2023 Income Expenditure Transfers 2024
£ £ £ £ £
General funds 334,810 1,025,237 (1,081,641) 278,406
═════════ ════════════ ════════════ ════ ═════════
Restricted funds
At 1 September At 31 August
2024 Income Expenditure Transfers 2025
£ £ £ £ £
Gomani fund 11,200 32,110 (33,057) 10,253
Dalitso Project 167,481 (166,994) 487
Mission Guides USA (16,224) 25,960 (41,173) 27,756 (3,681)
BEIT Trust Fund
──────── ───────── ───────── ──────── ────────
(5,024) 225,551 (241,224) 27,756 7,059
════════ ═════════ ═════════ ════════ ════════
At 1 September At 31 August
2023 Income Expenditure Transfers 2024
£ £ £ £ £
Gomani fund 15,482 27,547 (31,829) 11,200
Dalitso Project 380 110,315 (110,695)
Mission Guides USA (15,489) 57,289 (58,024) (16,224)
BEIT Trust Fund 15,000 (15,000)
──────── ───────── ───────── ──── ────────
373 210,151 (215,548) (5,024)
════════ ═════════ ═════════ ════ ════════

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Support Malawi

Notes to the Financial Statements (continued)

Year ended 31 August 2025

14. Analysis of charitable funds (continued)

During the year the charity received a number of donations which were to be passed onto Aquaid Lifeline Malawi to fund specific projects as follows:

The Gomani fund is for the on-going running of the Philip Veale Children's Centre.

The Dalitso project is dedicated to the care and financial support of two AquAid Centres - Kambilonjo and Thyolo. The funds are received from various supporters as well as fund-raising events.

The Mission Guides USA fund (formally "Springlake fund") is for the ongoing monthly running costs of two centres in Funsani and Lisungwe. A transfer was made form the general fund during the year to support this project. The fund was showing a deficit at the balance sheet date due to the timing of receiving funds and was subsequently restored post year end.

The BEIT Trust Fund was dedicated to the construction of two semi-detached teacher's houses for Chikowa Secondary School.

15. Analysis of net assets between funds

Unrestricted Unrestricted Restricted Total Funds
Funds Funds 2025
£ £ £
Current assets 230,144 7,059 237,203
Creditors less than 1 year (2,525) (2,525)
───────── ─────── ─────────
Net assets 227,619 7,059 234,678
═════════ ═══════ ═════════
Unrestricted Restricted Total Funds
Funds Funds 2024
£ £ £
Current assets 278,627 278,627
Creditors less than 1 year (221) (5,024) (5,245)
───────── ─────── ─────────
Net assets 278,406 (5,024) 273,382
═════════ ═══════ ═════════
Analysis of changes in net debt
At
At 1 Sep 2024 Cash flows 31 Aug 2025
£ £ £
Cash at bank and in hand 240,447
═════════
(40,019)
════════
200,428
═════════

16. Analysis of changes in net debt

17. Related parties

There have been no related party transactions in the reporting period other than donations received from trustees without conditions amounting to £10,450 (2024: £8,220).

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