Charity number: 1119600
Malawl Relief Fund UK
Trustees, report and audited financial statements
for the year ended 31 December 2024

Malawi Relief Fund UK
Contents
Page
Legal and administratNe information
Trustees report
Auditors report
Statement of financial activities
10
Balance sheet
Notes to the financial statements
12-15

Malawi Relief Fund UK
Legal and admlnistrative information
Charity number
1119600
Address
63-65 Victoria Street
Blackburn
Lancashire
B8160N
Trustees
Faruk Ibrahim Bharucha
Ismail Valli
Zunaid A Saeed Chunara
Qari16mail
Secret8ry
Mohammed Yusuf Mangera
Chairman
Faruk Ibrahim Bharuch8
Auditor
Ilyas Patel (Accountants) Limited
Chartered Certified Accountanls
Soloman House
Belgrave Court
Fulwood
Preston
Lancashire
PR2 9PL
Bankers
Ma￿e$l Bank Pic
King William Street
Blackburn
Lancashire
BB17DJ

ort of the trustees for the
ear ended 31 December 2024
The Trustees have pleasure in presenting their report for the year ended 31 December 2024. This report is
prepared in accordance with the Statement of Recommended Practice Accounting and reporting by the
Charities and complies with applicable law.
status and admlnistration
The charity started its operations in 2004 and is constituted under a 2007 constitution and registered with The
Charity Commissioners under charty number 1119600.
MRF is registered as an NGO in Malawi.
Charlty objects
The objectives of the charity are:
To advance, support and deliver humanitarian relief aid in Malawi (central Africa) to help relieve poverty
and respond to natural disasters.
To support, and improve access to education and healthcare, and clean water and sanitation.
Develop and support livelihood and sustainability programmes.
Activltles and Achlevements
The charity is run by volunteers. Members offer thelr seNices as trustees and committee members.
The programs are focused on alleviating poverty and our priorities are..
Providing Humanitarian Aid
Improving Access to Education and Healthcare and clean water
Improving skills and promoting empowerment and economic development initiatives
Providing decent homes
The charity has been successful in developing effective working partnerships with organisations (NGO'S) based
in Malawi with similar objectives as ourselves to deliver a range of projects and programs or by way of providing
funds to them to further their work in achieving our objectives.
Trustees Report for Year Ended Deeember 2024
Access to Heallhcare- Prvviclecl Free lieallh Lwre lo 23,000
Access to healthcare remains a critical challenge in many rural areas
of Malawi, where labour shortages, inadequate infrastructure,
povertyi and long travel distances make it difficult for people to
receive proper medical care. Our Shukran Clinic in Chia, a
community-driven initiative, is working to address these barriers at
their core. Since opening in May 2023, the clinic has provided vital
healthcare seNices to over 46,000 patients, including 13,500
children under the age of five.
Recognizing the growing need for specialised care, we are moving
forward with plans to establish an Under 5's Clinic and a Maternity
Unit, ensuring tailored support for mothers and young children in
the community.
IMPACT
Improved access to
healthcare
Reduced travel distance
for healthcare
Improved Health and
wellbeing
Reduce infant mortality
Provided free healthcare
to 23,000 patlents

Gift of Sight Progromme.. Delivered 5,377 Cotorart Operations
Malawi faces a serious public health challenge. with one of the
highest rates of preventable blindness in the world. Over 160,000
Malawians suffer from vision impairment due to cataracts-an
entirely treata ble condition requiring a simple, low-cost surgical
procedure. However, financial and 8eographical barriers make this
life-changing treatment inaccessible for many.
The Gift of Sight Programme is dedicated to clostng this gap,
ensuring that cataract surgeries are available to those who need
them most, By providing free procedures, MRF restores visson,
dignity, and hope, transforming lives and creating new
opportunities.
Through this powerful yet simple intervention, MRF is notjust
restoring sight it is unlocking potential, empowering individuals,
and fostering a brighter future for communities across Malawi.
IMPACT
Improved quallty of life
Regaln their Independence
Improved mobllity for daily
chores
Able to work and sustaln
thelr famllles
Dellvered 5,377 cataract
operatlons
Access to Clean Water.. 170 Water polnts providlng woterAor over 30,000 people
Over 5.6 million people In rural Malawi lack access to clean and safe
water, leaving them vulnerable to waterborne diseases. This crisis
affects health, limits education and economic opportunities, and
undermines overall community well-being. Each year, approximately
3,000 children under five die from preventable water-related
illnesses such as diarrhoea and dysentery.
Over the past year, MRF has made significant progress in tackling
these challenges, providing clean water to nearly 8,000 people and
constructing latrines for 600 households, These efforts not only
improve health and hygiene but also create safer living conditions
and reduce the spread of waterborne diseases.
IMPACT
Clean water access for
nearly 8,000 people,
610 households equipped
with latrlnes and
washrooms.
Reduced dlstances to water
polnts,
Improved hyglene and
sanitatlon.
Enhanced health and well-
belng,
Livellhood Programmes.. 120 Benellciaries supported
Our sustainability programme continues to drive a diverse range of
educational and vocational training, business support and enterprise
initiatives, empowering households and communities to achieve
food and nutrition securityi generate income, secure employment,
sustain their business and enhance rural livelihoods.
IMPACT
Equlp beneflclarles wlth
essentlal vocatlonal, buslness
and Ilfe 5kllls.
Address the skilled workforce
shortage.
Improve access to tralning
and resources for
marglnallsed and hard-to-
reach groups
Through these efforts, we play a crucial role in fostering long-term
well-being and resilience.

Moone Vocationol Training Centre.. Trained 263 Students
Maone Technical College is a specialized, forward-thinking
vocationa l institution dedicated to equipping skilled artisans with
the expertise needed to meet industry demands.
Our mission is to provide high-quality vocational traininE and
support to both young people and adults, by creating pathways to
self-reliance and empowering them with the skills, confidence, and
mindset to succeed in the workforce and contribute to their
communities.
IMPACT
Equlp students wlth
workforce-ready skllls.
Address the skilled labour
shortage.
Strengthen constructlon
Industry expertlse.
Expand access for
marginallsed
communities.
Our programmes include bricklaying, carpentry and joinery,
plumbing, and electrical installation, with plans to expand into ICT,
Horticulture, and Early Years education.
Beyond formal trainingp we offer tailored courses for marginalised
individuals-particu larly those in rural areas who lack the
qualifications for formal education-helping them gain practical
skills and secure meaningful employment.
Teacher Tralnlng Scholarshlp.. 150 Women Supportedfor Teacher Troininq
A critical shortage of qualified teachers has left many schools
understaffed, resulting in overcrowded classrooms that hinder
effective learning. This shortage not only affects education quality
but also contributes to high dropout rates, with only 38% of children
transitioning to secondary education.
Recognlzing the urgency of these challenges, MRF is activety working
to improve education standards by supporting teacher training
initiatives that empower women, increase the number of qualified
educators, and create better learning environments for children
across Malawi.
IMPACT
Empowered 150 Women.
Expanded employment
opportunltles.
I mproved Ilfe prospects.
Strengthened familv
sustalnability
Addressed Malawl's
teacher shortage
Enhanced educatlon
standards
Through our sponsorship of 150 women at Mariam Girls Teacher
Training College, we are helpin8 to bridge the gap in teacher
availability, ensuring more children receive a quality education and
brighter future.
Talha Scholarshlps- 158 beneficiarie5 recelved Scholarshlps
Malawi has one of the lowest tertiary education enrolment rates
globally, with financial constraints, gender inequality, and
geographic barriers preventing many-especially those from
marginalised and underrepresented groups-from pursuing
higher education.
IMPACT
Expanded acces5 to hlgher
educatlon for dlsadvanta8ed
Students.
Empowered Indlvlduals to reach
their full potential.
Removed barriers to unlversitv
educatlon.
Promoted gender equallty and
Incluslon.
Strengthened Malawi's socio-
economic development.
MRF'S Scholarship Programme is designed to address these
challenges, providing disadvantaged individuals with the
opportunity to access university education. By breaking down
Systemic ba rriers, this initiative empowers students to realise
their potential, build brighter futures, and contribute to Malawi's
socio-economic development."

Early Years Childhood Development (ECD)- 300 children at 6 centers
Research shows that the first eight years of life are critical for
child's development. Providing early learning in a safe, nurturing
environment is essential for fostering physical, socioemotional,
cognitive, spiritual, and moral growth.
This year, we opened two new Early Childhood Development
IECDI centres in Zomba, bringing the total to six in rural areas,
ensuring more children receive a strong foundation for primary
schooling.
With three additional centres set to open in 2025, we remain
committed to expanding access to quality early education
IMPACT
Enhance school readlness.
Foster social, emotlonal, and
spiritual development.
Break the cycle of poor
education In rural communitles.
Bulld a strong foundation for
Ilfelong learnlng.
Shukran Academy Jall Complex- 90 Children at Academy
Established in 2012 in Zomba, Shukran Academy has grown into a
well-managed institution dedicated to supporting children,
particularly orphans.
In August 2023, we opened our fla8ship Jali complex, relocating
children from Zomba to a purpose-built facility offering qualitv
boarding accommodation, earlv vears and primary education,
Islamic studies, and additional support services. The centre also
serves as a vital community hub, featuring a women's
development centre, an earlv vearfs child development centre,
an education block, and a place of worship.
The children are provided intellectual, spiritual, social and
emotional support, empowerin8 them to thrive and build
brighter future.
IMPACT
Provlded safei purpose-bullt
boardlng facllitles for orphaned
chlldren,
Ensured access to quallty early
years and prlmary educatlon
for the community.
Strengthened Intellectual,
splrltual, soclal, and emotlonal
development.
Created a communlty hub
offerln8 addltlonal Support
servlces.
Supported chlldren Into
secondary schools.
Dirert Support Programmes- 450 beneficiarles supported every month
Our Direct Support Programme {DSP) is a vital part of our social
protection strategy, addressing poverty and food insecurity in
remote villages.
Each month, vulnerable households receive essential food and
supplies, with financial assistance provided when urgent needs
arise.
IMPACT
Enhanced quality of Ilfe for
vulnerable households.
Improved health and
overall well-being.
Strengthened food security for
those most In need
Currently supporting over 450 households, the programme
serves as a critical lifeline, helping families Sustain themselves
and improve their quality of life. The beneficiaries are the
elderly, sick widows and the disabled.

Food Pocks.. 42,OOOfood packs dlstributed and over200,000 cooked meals provided
Food security is a major challenge in Malawi. In an attempt to
mitigate hunger due to food shortage, we provided food packs
to over 42,000 families reaching some of the most remote and
hard to reach areas of the country.
IMPACT
Improved Food Security for
vulnerable communltles durlng
Ramadhan
Cooked Meals to break the
fast
Improved health and well-
being
We also provided cooked meals during the blessed month at
over 250 centres providing a hot meal to between 40 to 100
people every night.
Shelter Housing Project: 612 new homes built with washrooms and toilets
In rural Malawi, where 82% of the population resides, many
families live in substandard mud homes with thatched roofs,
leaving them vulnerable to extreme weather. These unsafe
conditions contribute to poverty, poor health, and instabilitv.
Our shelter programme is dedicated to improving living
conditions by constructing durable, weather-resistant homes
that offer security and protection. Additionally, we address
sanitation needs by providing washrooms and latrines,
promoting hygiene and preventing disease.
By integrating housing and sanitation solutions, we aim to
break the cycle of inadequate living conditions and foster
healthier, more resilient communities.
IMPACT
Provlded safe, durable homes,
Improvlng Ilvlng condltlon
Enhanced health and well-
belng
Smproved Sanltation and
hy8lene standards,
Improved quallty of Ilfe
Bullt 542 houses offerlng
securlty and stablllty
ELIFF
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Rlsk Management
The currenl account funds are held with a leading bank to minimise disruption to activities and reduce risk.
All investment decisions are made to achieve a reasonable return from acceptable sources according to
Islamic Jurisprudence whilst minimising the risk.
Trustees. Responsibilities
Law applicable to charilies in England and Wales requires the trustees to prepare financial statements for each
financial year which give a true and fair view of charity and of the incoming resources and application of
resources of the charity for that year. In preparing these financial statements the tfLlStees are required to..
• select suitable accounting policies and then apply them consistently:
observe the methods and principles in the Charities SORP., make judgements and estimates that are
reasonable and prudent.,
slate whether applicable UK Accounting Standards have been followed, subject to any material departures
disclosed and explained in the financial slatem&nls', and
prepare the financial statements on the going concern basis unless it is inappropriate to presume that the
charity will continue in operation.
The trustees are responsible for keeping proper accounting ￿COrdS which disclose with r8asonable accuracy
at any time the financial portion of the charily and enable them to ensure that the financial statements comply
with the Charities Act 2011 and the Charity (Accounts and Reports) Regulations 2008. They are also responsible
for safeguarding the assets of Ihe charty and hence for taking reasonable steps for the prevention and detection
of fraud and olher irregularities.
On behalf of Ihe board
Ismail Valli
Trustee
Faruk Ibrahim Bharucha
Chairman
Date:
,I,,i?oJ<

Auditors Re
ort
Independent auditor's report to the trustees of Malawi Relief Fund UK
Opinion
We have audited the financial statements of Malawi Relief Fund UK for the year ended 3151 December 2024
which are set out on pages 10 lo 15 and notes to the financial statements. 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 Financial Reporting Standard 102.. The Financial
Reporting Standard applicable in the UK and Republic of Ireland (United Kingdom Generally Accepted
Accounting Praclice).
In our opinion, the financial statements:
give a true and fair view of the state of the Charity's affairs, of its income and expenditure for the year then
ended.
• have been properly prepared in accordance with United Kingdom Generally Accepted Accounting Practice.
have been prepared in accordan￿ with the requirements of the Charities Act 2011
Basis for opinlon
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 Auditorfs 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 ￿levant to our audit of the financial statements in the UK, and we have fulfilled
our other ethical responsibilities in accordance with these requirements. Vle believe that the audit evidence we
have obtained is sufficient and appropriate to provide a basis for our opinion.
Conclusions relating to going concern
We have nothing to report in respect of the following matters in relation to which the ISAS (UK)
require us to report to you where..
the trustees, use of the going concern basis of accounting in the preparation of the financial
statements is not appropriate,. or
the trustees have not disclosed in the financial statements any identified material uncertainties that may cast
significant doubt about the Charity's ability to continue to adopt the going cOn￿rn basis of accounting for a
period of at least twelve months from the date when the financial statements are authorised for issue.
Other information
The trustees are responsible for the other informab'on. The other information comprises the information included
in the annual report other than the financial statements and our auditorfs report thereon. Our opinion on the
fi'nancial slaternents does not cover the other information and, except to the extent otherwise explicitly stated in
our report, we do not express any ft)rm of assuran￿ 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 fi'nancial statements, or
our knowledge obtained in the audit or othetwise appears to be materially misstated. Ifwe 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, Annual 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..
sufficient accounting records have not been kept,.
the financial statements are not in agreement with the accounting records and returns- or
we have not obtained all the information and explanations necessary for the purposes of our audit.
Responsibilities of the trustees
As explained more fully in the trustees, responsibilities statement set out on page 7. 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 they 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.
Our 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 it 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.
Use of our report
This report is made solely to the Charity's trustees, as a body. in accordance with section 144 of the
Charities Act 2011 and the regulations made under section 154 of that Act. Our audit work has been
undertaken so that we might state to the Charity's trustees 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's trustees as a body, for our audit work. for this
report, or for the opinions we have formed.
Signed:
Date:
(s4 WJ tsvi
Ilyas Patel (FCCA) Senior Statutory Auditor
For and on behalf of Ilyas Patel (Accountants) Ltd Registered Auditors
Chartered Certified Accountants
Soloman House
Belgrave Court
Preston
Lancashire
PR2 9PL

Statement of Fillaucial. Activities foy the year ended 31st December 2024
2024
UAY¢Mri¢ttd
th￿￿5
RrAtTiet
2023
Total
Tpl41
Intoniin
resources
lllcomlrtg testsurces frorn gener*1￿
Volunl¥ry In¢omÈ
108.634
2.766.638
2.875.272
3.630.572
TotAI lueomlng resoiirtes
108.634
• 766.638
2.875 ?72
3.630,57?
Resoui'ces ex
ended
Charitable A¢iiviiies
2.350.810
2.350.810
3.907,434
Support Cosis
109,173
109.173
95.681
Tot#1 reAouYtts ￿pert0¢d
109.17J
2.350.810
2.459,983
4,003.115
Net lA¢Ort￿n$ Rtjourtts beforeTr•*xf¢r
(5391
415,828
41 5,289
{372.54Jl
Net Movem¢*t IN
(539)
415.828
415.289
{372.543)
Total Funds Brought FonvArd
183,749
205.641
389.390
761,933
TotAI F¥Dd$ CArri¢d Fotivanl
183,21Q
621.169
804.679
189.390
10

Balance Sheet as at 31st December 2024
Rttlrlcted
2024
2023
Tolnl
Fix¢d Asset
Tangible assets
95.717
95.717
114.441
Tolal Fkned Assrts
95.717
95.717
Current Assets
Debtors
62.213
62.283
69,061
Cash at bahk and in h&rtd
2A.?10
621.469
650,179
213.348
Totsl thryeot kntts
90,993
621.469
712,462
Cr¢ditor8- ollbounls falllns due withth ont yt#r
3,500
3,500
7.460
Nel Currenl Asscts
87,493
621,469
708.962
274.949
Nel kniets
183,210
621.469
804,679
389,190
unds of the Charlt
IleslriGkd fun(Ls
621,469
621.469
205.641
Unr¢siricled funds
183,210
183,210
181,749
Toixl Funds
183,210
621,169
804,079
389,390
Slglled by two ol iht ¢rus¢¢u on beh•lf of All Ihe (nmttts:
F4ruk Ibrahim Bha￿(bO.
Ismnil Valli
D￿e..

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1¢ss¢%iimai¢¢J r¢sidiJ31 %'alui Trf <acli assd its eN￿lI¢d us¢fiil lifc. as fi)IloiYs".
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I.raftsaLIh￿IS in fareiyii th&ire¢i¢i¢s are recordth ai tliL4 Jato ufexchaiige IL lh< dale ol'ilie IrRnsa¢lMiii. ht)riib
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Voluiilun inenime
Ilii¥uiri¢t¢d RNfri¢ltil
fiinds
211?4
•D23
Tot#1
4.902
4.902
Aqiqali
J.37.5
3,37.5
1,340
269.37)
269.37)
287.1 iQ
62.283
6l),U()I
Ittsri,, lidi'al Kafara
40.743
4¢J,743
59,77!
ProJLYI Delivtry Supw)rt
41.449
41.444
Q)i)rb3ni
35.31)
iio.uyu
2.147,9•1
2.8.18.7Q4
lQ8.634
1.766.63
2.874.27:
(.'Iiirll8blt A¢llvlllt
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202J
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4?,OY3
471,hg5
1fj.88?
S8,148
58,148
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J4.713
193.174
193,174
1.81)9,800
2.3$0.1110
2.340.810
.7.lJ117.4 J4
13

-Siiiiyorl C.'uJis
2024
Tfri#l
Ilb)restritted R¢sir4rf¢11
500
500
5(1(>
¢T]In Clur8L'&
1.773
1.773
1.800
1.800
5.480
BRyik C'.Iuir¥v
3,171
1.8)5
1.855
DLI)fLcialion
19.45J
19.453
19.447
I:xilwn8e RArL DiiTLience5
5.1)7Q
J97
397
642
1.440
1.44ll
1.4(>2
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40.80(b
40.8UII
Paypftl Fets
lJriTrliii¥. %IAiithiery Ad￿￿￿1*el￿l
PR, Murk"¥xIRg for Iiinilrai%in8
Pr(ije¢l IX.liieiy L'osi$
56
56
551
12.325
12.325
10.59()
21.51J5
21.SU5
195
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I'rnv¢lliiiu F..¥rKIi8¢5
109,173
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2024
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OihL'r lees pnid iii Ili¢ iiiileiitndtni i¥aniiJier ¢)r audiior
3.00
3,450
50
J,%oii
14

Plaiii &
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Vbhi¢lL*S
Caji
At 311)¥¢LIMlw 202J
diiiiins
J.395
729
75.471
13,575
14),44¥
729
4.124
75.4711
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Ai il l)eLimber 1073
liiirge for t1￿ i¢Jr
Ai 31 D¢L¢ii)bei W?4
Jo.190
7.547
37.717
45.431
78.007
19.453
i48
2.Y14
50,789
'¢1 ltrtstsk v#lue
At 31 TYrtCiii￿r •074
i J I l)¢i¢mbtr fj0Tr3
1.19
l.(K19
J7.741
45.2SS
94.717
68.144
l)fbli&i¥: ￿￿1¢ll￿tI fylllttx dut wllhlli one
IlJ24
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(i! ?8J
C'iwdili)fis.' hmvtsiii¥ fllllng due wlllilfv one ye*r
2T124
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7,4(>U
3.500
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Resli¢Ligii fiinils ii¥rpris¥$ ol'donJiii)n8 bTIYL'll b). 111& 8cn¢Thl pulili¢ fi>r Ihc pun)05L' o1.51ippI)fiin¥ lh¢ klusliin% aiiLI Ili¢
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TlJcrL' 18 iits rL'l*ieJ party Il&b15ThCIIOII.
15