**Charity number: 1123559**
**Company number: 06496769**
**(England and Wales)**
## **ABC Training Trust**
**Report of the Trustees and Unaudited Financial Statements**
**For the year ended 31 March 2022**
## **ABC Training Trust Contents Page For the year ended 31 March 2022**
|Report of the Trustees|1 to 4|
|---|---|
|Independent Examiner's Report to the Trustees|5|
|Statement of Financial Activities|6|
|Statement of Financial Position|7|
|Notes to the Financial Statements|8 to 15|
## **ABC Training Trust Report of the Trustees For the year ended 31 March 2022**
The Trustees, who are also directors for the purposes of company law, have pleasure in presenting their report and the financial statements for the charitable company for the year ended 31 March 2022. The Trustees have adopted the provisions of Accounting and Reporting by Charities: Statement of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and the Republic of Ireland (FRS 102) (effective 1 January 2019).
## **OBJECTIVES AND ACTIVITIES**
## **Objectives and aims**
ABCTT strategic objectives:
"To develop climbers through quality coaching." The ABC Training Trust seeks to provide a syllabus for climbers to use on artificial climbing structures for both climbing and bouldering, and to support this syllabus by supporting coaches and structures in best practice.
The principal objectives of the charity are to:
·Promote safety and community participation in healthy recreation and sport.
·Advance the education of the public with a non-exclusive focus on climbing and associated activities by in particular (but without limitation to) providing a nationally recognised accreditation scheme to individuals participating in climbing on artificial climbing structures.
·Provision of such facilities or items for education at school (not provided from statutory funds) as the board shall from time to time determine.
The Trustees have had due regard to the Charity Commission guidance by developing an ongoing strategy to maximise support and knowledge of the National Indoor Climbing Award Schemes and in particular they have considered how all the charity's activities will contribute to its charitable aims and objectives.
The trustees have considered the Charity Commision's guidance on public benefit, including the guidance 'public benefit: running a charity (PB2)'.
The Trust has carried out its objectives through the NICAS schemes in accordance with the objects of its governing document. It has introduced over 175,000 people to indoor climbing and coached their development in the sport in a structured manner. It has advised and trained staff from many climbing centres in coaching techniques as well as promoting the benefits of the sport to the general public. The Trust has also liaised with other national governing and training bodies to develop a coherent national coaching structure in the sport. The implementation of the moderation process has ensured the quality of the delivery of the NICAS schemes to the candidates. The introduction of additional complimentary schemes further expands the reach and impact of the ABCTT in achieving its charitable aims. The variety of schemes offered enables access to climbing for a wider range of people.
1 of 15
## **ABC Training Trust Report of the Trustees Continued For the year ended 31 March 2022**
## **ACHIEVEMENTS AND PERFORMANCE**
This financial year saw the restrictions that disrupted the day-to-day climbing activities of the Covid pandemic diminish during the first half of the year; with 17th May seeing indoor venues re-open and 21st June all limits being removed. The sector demonstrated significant restraint during Q1 and Q2 as accredited centres sought to rebuild their coaching and staffing structures. Q3 & Q4 turnover rebounded strongly to enable our products to exceed our pre-Covid position on a full year basis.
Emergence from the Covid era has delivered many insights influencing our business and the wider sector:
·Indoor climbing is at the beginning of a golden decade where participation is booming
- ·The sector is resilient and has managed to recover both it's staffing structures and customer base quickly
·Our business can respond satisfactorily to economic shocks and maintains a lean cost base
·The ABCTT Board has implemented a long-term growth strategy to support walls and coaches, and to facilitate new participants
·New products, territories and routes to market will enable the business to spread risk more effectively
We continue to work closely with Sport England, Sport Scotland and Mountaineering Ireland where practicably possible to increase participation and retention in indoor climbing. The Sport England investment in particular will allow us to support walls more consistently through the appointment of a part-funded Product Manager. This role will enable us to improve communication and product development with our partners and to further improve the launch of new products.
## Looking to the future
This post-Covid year has shown that the business is robust and our products are in increasing demand. The Board have identified that NICAS schemes are the first point of contact for many climbers and we must take responsibility to influence our accredited centres to deliver an exceptional experience. In order to do that we need to support sites with high quality marketing assets, learning opportunities and coaching resources through a bespoke coach portal and additionally through our partners. This way we can give climbers the best possible start in a sport for life and continue to motivate and develop & them through quality coaching, at great facilities, across the United Kingdom and overseas.
This financial year has seen the launch of our first new scheme for over five years; NICAS Wild Climbers is a fun, game orientated programme that aims to introduce climbers aged 3+ safely into the indoor climbing environment, developing their awareness of climbing movements, improving confidence and creating a grassroots pathway into additional climbing activities.
None of our achievements could have been completed without the continuing and loyal support of all the artificial climbing structures who deliver our products, and the coaches and Technical Advisors who support them. They and their excellent delivery of our products act as ambassadors for climbing.
## **FINANCIAL REVIEW**
The ABCTT holds funds from its trading reserves. As described above, the current financial risk is low however the Trust has a policy to hold a reserve to cover six month's operating costs.
The Board have maintained the depth of financial reporting and frequency introduced during the pandemic. Forecast models informed them that the business requires an expansion of the executive team to appropriately resource an agreed product pipeline and the introduction of systems that would allow efficient scaling of the business. New appointments will occur in Q2 of the following financial period. The Board's prudent investments and actions have now delivered consecutive years of growth and is further emphasised in that our reserves remain unused. Expenditure remains slightly elevated due to the delivery of Sport England funded projects and is expected to maintain this position due to confirmation of Sport England investment over the next funding cycle 2022 - 2027.
The Board have reviewed this level of reserves and consider it to remain appropriate for current circumstances and the year ahead. In accordance with prudent financial review and good governance, this sum is held in an interest-bearing notice deposit account with Cambridge & Counties Bank, which is an entirely separate organisation to CAF Bank who provide the day to day current and instant access interest-bearing deposit account facilities. All bank accounts held by the ABCTT are covered up to £85,000 under the Financial Services Compensation Scheme.
2 of 15
## **ABC Training Trust Report of the Trustees Continued For the year ended 31 March 2022**
## **STRUCTURE, GOVERNANCE AND MANAGEMENT**
## **Governing document**
## Structure and Governance
The ABCTT is a charitable company limited by guarantee, set up in 2008. It is an independent charity established with its main object, as stated above, to provide structured coaching and a syllabus for climbers at registered artificial climbing structures. It is governed by a Memorandum and Articles of Association which were last amended at the Annual Election Meeting in September 2014 and further work will be undertaken in 2023 to ensure our the Articles reflect current law and best practice.
The Board of Trustees will see a number of Trustees completing their maximum terms of office over the next two years and, we will employ a system of managed retirement ensuring we both retain valued experience and add an even greater depth and breadth of experience to the team.
## Risk management
The ABCTT's systems of internal control are designed to provide reasonable, but not absolute, assurance against materials misstatement or loss. They include:
- A strategic plan approved, and an annual budget regularly reviewed by the Trustees
- Regular consideration by the Trustees of financial results, non-financial performance indicators and benchmarking reviews
- Identification and management of risks.
The revised Trustee Risk Register is reviewed at least annually and the Operational Risk Register is considered by the Trustees quarterly or whenever circumstances arise.
The ABCTT has 2.0 FTE employees and holds no material assets other than logbooks, which are insured. We commission some executive, technical, administrative and financial services as well as a range of freelance technical experts with robust contracts and Service Level Agreements. Our other main expenses are the purchase of logbooks and the delivery of training which are now operating at a surplus.
## **Recruitment and appointment of trustees**
Trustees can be co-opted throughout the year to the board when vacancies arise. They are formally elected into post at the ABCTT's AGM.
## Statement of Trustees' Responsibilities
The Trustees, who are also the directors of ABC Training Trust for the purpose of company law, are responsible for preparing the Trustees' Report and the accounts in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).
Company law requires the Trustees to prepare accounts for each financial year which give a true and fair view of the state of affairs of the trust and of the incoming resources and application of resources, including the income and expenditure, of the charitable company for that year.
In preparing these accounts, the Trustees are required to:
·Select suitable accounting policies and then apply them consistently; observe the methods and principles in the Charities SORP
·Make judgments and estimates that are reasonable and prudent; and
·Prepare the accounts on the going concern basis unless it is inappropriate to presume that the trust will continue in operation.
The Trustees are responsible for keeping adequate accounting records and disclose with reasonable accuracy at any time the financial position of the Trust and enable them to ensure that the accounts comply with the Companies Act 2006. They are also responsible for safeguarding the assets of the trust and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.
## **REFERENCE AND ADMINISTRATIVE INFORMATION**
**Name of Charity** ABC Training Trust **Charity registration number** 1123559 **Company registration number** 06496769 **Principal address** PO Box 12814
3 of 15
## **ABC Training Trust Report of the Trustees Continued For the year ended 31 March 2022**
Bishops Stortford CM23 9NB
## **Trustees**
The trustees and officers serving during the year and since the year end were as follows:
**Independent examiner**
Lee Browning Jonathan Chittenden Benjamin Levey (Resigned: 15 September 2022) Andrew Link (Resigned: 14 October 2021) Carys Rowlands (Resigned: 23 May 2022) David Stainthorpe (Resigned: 29 April 2021) Edwin (Dean) Straw Jeremy Tapping Ian Taylor Kenneth Garner (Appointed: 29 April 2021) Jill Cowley (Appointed: 15 September 2022) Juan Avendano (Appointed: 15 September 2022) Matthew Bird (Appointed: 21 July 2022) Rotimi Odukoya (Appointed: 21 July 2022) Tom Wilcox Unit 115 Ducie House Ducie Street Manchester M1 2JW
Approved by the Board of Trustees and signed on its behalf by
............................................................................. Ian Taylor
4 of 15
## **ABC Training Trust Independent Examiners Report to the Trustees For the year ended 31 March 2022**
I report to the trustees on my examination of the accounts of the charitable company for the year ended 31 March 2022.
## **Responsibilities and basis of report**
As the charity Trustees, who are also directors for the purposes of company law, are responsible for the preparation of the accounts in accordance with the requirements of the Companies Act 2006 ('the 2006 Act').
Having satisfied myself that the accounts of the Company are not required to be audited under Part 16 of the 2006 Act and are eligible for independent examination, I report in respect of my examination of your charity's accounts carried out under section 145 of the Charities Act 2011 ('the 2011 Act'). In carrying out my examination I have followed the Directions given by the Charity Commission under section 145(5)(b) of the 2011 Act.
## **Independent examiners statement**
I have completed my examination. I confirm that no matters have come to my attention in connection with the examination giving me cause to believe that in any material respect:
1. accounting records were not kept in respect of the Company as required by section 386 of the 2006 Act; or
2. the accounts do not accord with those records; or
3. the accounts do not comply with the requirements of section 396 of the 2006 Act other than any requirement that the accounts give a 'true and fair view' which is not a matter considered as part of an independent examination; or
4. the accounts have not been prepared in accordance with the methods and principles of the Statement of Recommended Practice for accounting and reporting by charities applicable to charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102).
I have no concerns and have come across no other matters in connection with the examination to which attention should be drawn in this report in order to enable a proper understanding of the accounts to be reached.
Tom Wilcox Unit 115 Ducie House Ducie Street Manchester M1 2JW
5 of 15
## **ABC Training Trust**
## **Statement of Financial Activities (including Income and Expenditure Account) For the year ended 31 March 2022**
||**Notes**|**Unrestricted**|**Restricted**|**2022**|**2021**|
|---|---|---|---|---|---|
|||**funds**|**funds**|||
|||**£**|**£**|**£**|**£**|
|**Income and endowments from:**||||||
|Donations and legacies|2|-|59,139|59,139|50,048|
|Charitable activities|3|131,365|-|131,365|25,950|
|Other trading activites|4|5,638|-|5,638|3,588|
|Investments|5|528|-|528|801|
|**Total**||**137,531**|**59,139**|**196,670**|**80,387**|
|**Expenditure on:**||||||
|Charitable activities|6|(87,355)|(59,139)|(146,494)|(143,346)|
|**Total**||**(87,355)**|**(59,139)**|**(146,494)**|**(143,346)**|
|**Net income/expenditure**||**50,176**|**-**|**50,176**|**(62,959)**|
|**Reconciliation of funds**||||||
|Total funds brought forward||99,249|-|99,249|162,208|
|**Total funds carried forward**||**149,425**|**-**|**149,425**|**99,249**|
6 of 15
06496769
Registered Number :
## **ABC Training Trust Statement of Financial Position As at 31 March 2022**
|**Notes**
**Current assets**
Stocks
13
14
Debtors
Cash at bank and in hand
**Creditors: amounts falling due within one year**
15
**Net current assets**
**Total assets less current liabilities**
**Net assets**
**The funds of the charity**
Unrestricted income funds
16
**Total funds**|**£**
**2022**
31,501
13,499
107,266
**152,266**
(2,841)
**149,425**
**149,425**
**149,425**
149,425
**149,425**|**£**
**2021**
12,824
5,743
115,946|
|---|---|---|
|||**134,513**|
|||(35,263)
**99,250**|
|||**99,250**|
|||**99,250**|
|||99,249|
|||**99,249**|
For the year ended 31 March 2022 the company was entitled to exemption from audit under section 477 of the Companies Act 2006 relating to small companies.
- The members have not required the company to obtain an audit of its accounts for the year in question in accordance with section 476,
- The trustees acknowledge their responsibilities for complying with the requirements of the Act with respect to accounting
- records and the preparation of accounts. These accounts have been prepared in accordance with the provisions applicable to companies subject to the small companies’ regime.
The financial statements were approved and authorised for issue by the Board and signed on its behalf by:
7 of 15
## **ABC Training Trust Notes to the Financial Statements For the year ended 31 March 2022**
## **1. Accounting Policies**
## **Basis of accounting**
The financial statements have been prepared under the historical cost convention, except for investments which are included at market value and the revaluation of certain fixed assets and in accordance with the Charities SORP (FRS 102) ‘Accounting and Reporting by Charities: 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) (effective 1 January 2019)', Financial Reporting Standard 102 the Financial Reporting Standard applicable in the UK and Republic of Ireland (FRS 102), and the Companies Act 2006.
ABC Training Trust meets the definition of a public benefit entity under FRS 102. Assets and liabilities are initially recognised at historical cost or transaction value unless otherwise stated in the relevant accounting policy note(s).
## **Going concern**
The financial statements are prepared, on a going concern basis, under the historical cost convention.
## **Incoming resources**
All incoming resources are included in the statement of financial activities when the Charity is entitled to the income and the amount can be quantified with reasonable accuracy. The following specific policies are applied to particular categories of income:
Income from government and other grants, whether 'capital' grants or 'revenue' grants, is recognised when the charity has entitlement to the funds, any performance conditions attached to the grants have been met, it is probable that the income will be received and the amount can be measured reliably and is not deferred. Income received in advance for the provision of specified service is deferred until the criteria for income recognition are met.
## **Resources expended**
Liabilities are recognised as resources expended when there is a legal or constructive obligation committing the Charity to the expenditure.
Support costs are those functions that assist the work of the charity but do not directly undertake charitable activities. Support costs include back office costs, finance, personnel, payroll and governance costs which support the Trusts artistic programmes and activities.
## **Taxation**
As a registered charity, the company is exempt from income and corporation tax to the extent that its income and gains are applicable to charitable purposes only. Value Added Tax is not recoverable by the company, and is therefore included in the relevant costs in the Statement of Financial Activities.
## **Stocks and work in progress**
Stocks are valued at the lower of cost and net realisable value after making due allowance for obsolete and slow moving items. Cost includes all direct costs and an appropriate proportion of fixed and variable overheads.
## **2. Income from donations and legacies**
|**Restricted funds**
Grants received|**2021**
**2022**
**£**
**£**
50,048
59,139
**50,048**
**59,139**|
|---|---|
8 of 15
## **ABC Training Trust Notes to the Financial Statements Continued For the year ended 31 March 2022**
|**Analysis of grants received**
Sport England
**3. Income from charitable activities**
**Unrestricted funds**
_Operations_
Primary centre registration
Awarding centre registration
Logbook sales
**4. Income earned from other activities**
**Unrestricted funds**
Other income
**5. Investment income**
**Unrestricted funds**
Bank interest receivable|**2022**
**£**
59,139
**59,139**
**2022**
**£**
8,550
10,871
111,944
**131,365**
**131,365**
**2022**
**£**
5,638
**5,638**
**2022**
**£**
528
**528**|**2021**
**£**
50,048|
|---|---|---|
|||**50,048**|
|||**2021**
**£**
6,847
6,750
12,353|
|||**25,950**|
|||**25,950**|
|||**2021**
**£**
3,588|
|||**3,588**|
|||**2021**
**£**
801|
|||**801**|
9 of 15
## **ABC Training Trust Notes to the Financial Statements Continued For the year ended 31 March 2022**
## **6. Costs of charitable activities by fund type**
|**osts of charitable activities by fund type**|||||
|---|---|---|---|---|
|**Operations**
Direct cost
Staff costs - wages &
salaries
Staff costs - social security
costs
Logbook costs
Carriage
Seminar costs
Meeting costs
Training costs
Consultancy fees
Administrator costs
Telephone
**Support costs**
**Operations**
**Management**
Staff costs - wages &
salaries
Staff costs - social security
costs
Staff costs - pension
contributions
Travel
IT costs
Legal fees
Advertising
Postage and stationery
Sundry
Insurance
Bank charges
**Governance costs**
Accountancy fees|**Unrestricted**
**funds**
**£**
-
24,000
1,889
7,490
6,435
1,958
-
6,007
385
1,292
302
**49,758**
16,975
1,261
885
1,975
3,635
1,555
5,323
724
67
1,117
582
3,498
**37,597**
**87,355**|**Restricted**
**funds**
**£**
-
28,525
-
-
-
-
-
13,828
-
-
-
**42,353**
-
-
-
102
4,107
-
12,577
-
-
-
-
-
**16,786**
**59,139**|**2022**
**£**
-
52,525
1,889
7,490
6,435
1,958
-
19,835
385
1,292
302
**92,111**
16,975
1,261
885
2,077
7,742
1,555
17,900
724
67
1,117
582
3,498
**54,383**
**146,494**|**2021**
**£**
(1)
24,000
1,109
-
675
-
24
22,722
250
4,773
283|
|||||**53,835**
46,000
2,126
900
398
6,069
3,175
24,369
395
685
1,775
195
3,424|
|||||**89,511**|
|||||**143,346**|
10 of 15
## **ABC Training Trust Notes to the Financial Statements Continued For the year ended 31 March 2022**
## **7. Analysis of support costs**
|**7. Analysis of support costs**|||
|---|---|---|
|**Operations**
Management
Governance costs
**8. Net income/(expenditure) for the year**
This is stated after charging/(crediting):
Accountancy fees
Staff pension contributions
**9. Staff costs and emoluments**
Total staff costs for the year ended 31 March 2022 were:
Salaries and wages
Social security costs
Pension costs
No employee earned more than £60,000 during the year (2021:nil)
Services|**2022**
**£**
50,885
3,498
**54,383**
**2022**
**£**
3,498
885
**2022**
**£**
69,500
3,150
885
**73,535**
**2022**
2
**2**|**2021**
**£**
86,087
3,424|
|||**89,511**|
|||**2021**
**£**
3,424
900|
|||**2021**
**£**
70,000
3,236
900|
|||**74,135**|
|||**2021**
2|
|||**2**|
11 of 15
## **ABC Training Trust Notes to the Financial Statements Continued For the year ended 31 March 2022**
## **10. Trustee remuneration and related party transactions**
The charity trustees were not paid or received any other benefits from employment with the charity in the year (2021:£nil).
No charity trustee received payment for professional or other services supplied to the charity (2021:£nil). The trustees all give freely their time and expertise without any form of remuneration or other benefit in cash or kind (2021:£nil).
Trustees' expenses represents the payment or reimbursement of travel and subsistence costs totalling £nil (2021:£nil).
There are no related party transactions to disclose for 2022 (2021:nil).
There are no donations from related parties which are outside the normal course of business and no restricted donations from related parties.
## **11. Comparative for the Statement of Financial Activities**
||**Unrestricted**|**Restricted**|**2021**|
|---|---|---|---|
||**funds**|**funds**||
||**£**|**£**|**£**|
|**Income and endowments from:**||||
|Donations and legacies|-|50,048|50,048|
|Charitable activities|25,950|-|25,950|
|Other trading activites|3,588|-|3,588|
|Investments|801|-|801|
|**Total**|**30,339**|**50,048**|**80,387**|
|**Expenditure on:**||||
|Charitable activities|(93,298)|(50,048)|(143,346)|
|**Total**|**(93,298)**|**(50,048)**|**(143,346)**|
|**Net income/expenditure**|**(62,959)**|**-**|**(62,959)**|
|**Reconciliation of funds**||||
|Total funds brought forward|162,208|-|162,208|
|**Total funds carried forward**|**99,249**|**-**|**99,249**|
12 of 15
**ABC Training Trust Notes to the Financial Statements Continued For the year ended 31 March 2022**
## **12. Tangible fixed assets**
|**Cost or valuation**
At 01 April 2021
At 31 March 2022
**Depreciation**
At 01 April 2021
At 31 March 2022
**Net book values**
At 31 March 2022
At 31 March 2021|**Plant and**
**machinery**
**£**
2,840|
|---|---|
||**2,840**|
||2,840|
||**2,840**|
||**-**|
||**-**|
## **13. Stocks and work in progress**
|Stocks of raw materials
**14. Debtors**
**Amounts due within one year:**
Trade debtors
Other debtors
**15. Creditors: amounts falling due within one year**
Trade creditors
Other creditors
Accruals and deferred income|**2022**
**£**
31,501
**31,501**
**2022**
**£**
12,761
738
**13,499**
**2022**
**£**
446
1,395
1,000
**2,841**|**2021**
**£**
12,824|
|---|---|---|
|||**12,824**|
|||**2021**
**£**
1,625
4,118|
|||**5,743**|
|||**2021**
**£**
1,663
1,862
31,738|
|||**35,263**|
13 of 15
## **ABC Training Trust Notes to the Financial Statements Continued For the year ended 31 March 2022**
## **16. Movement in funds**
## **Unrestricted Funds**
||**Balance at**|**Incoming**|**Outgoing**|**Balance at**|
|---|---|---|---|---|
||**01/04/2021**|**resources**|**resources**|**31/03/2022**|
||**£**|**£**|**£**|**£**|
|_General_|||||
|General|99,249|137,531|(87,355)|149,425|
||**99,249**|**137,531**|**(87,355)**|**149,425**|
|**Unrestricted Funds - Previous year**|||||
||**Balance at**|**Incoming**|**Outgoing**|**Balance at**|
||**01/04/2020**|**resources**|**resources**|**31/03/2021**|
||**£**|**£**|**£**|**£**|
|_General_|||||
|General|162,208|30,339|(93,298)|99,249|
||**162,208**|**30,339**|**(93,298)**|**99,249**|
## **Purpose of unrestricted Funds**
## General
General funds are applied to the general aims of the charity.
## **Restricted Funds**
|Sport England
**Restricted Funds - Previous year**
Sport England|**Incoming**
**resources**
**£**
59,139
**59,139**
**Incoming**
**resources**
**£**
50,048
**50,048**|**Outgoing**
**resources**
**£**
(59,139)
**(59,139)**
**Outgoing**
**resources**
**£**
(50,048)
**(50,048)**|**Balance at**
**31/03/2022**
**£**
-|
|---|---|---|---|
||||**-**|
||||**Balance at**
**31/03/2021**
**£**
-|
||||**-**|
14 of 15
**ABC Training Trust Notes to the Financial Statements Continued For the year ended 31 March 2022**
**Purpose of restricted funds** Sport England
Sport England funds have been awarded for use for specific development projects.
|**17. Analysis of net assets between funds**
**Unrestricted funds**
_General_
General
**Restricted funds**
**Previous year**
**Unrestricted funds**
_General_
General
**Restricted funds**|**Tangible**
**fixed assets**
**Net current**
**assets /**
**(liabilities)**
**Net Assets**
**£**
**£**
**£**
-
149,425
149,425|
|---|---|
||**-**
**149,425**
**149,425**|
||**Tangible**
**fixed assets**
**Net current**
**assets /**
**(liabilities)**
**Net Assets**
**£**
**£**
**£**
-
99,250
99,250|
||**-**
**99,250**
**99,250**|
15 of 15