CHRIST CHURCH LEYTON
Annual Report
and
Financial Statements
of the
Parochlal Church Council
for the year endcd 31 ￿ Decembcr 2025
Incumbent=
Rev P Brcntford
Vicarage at 52 Elm Road
Lcytonstonc
London
E114DW
Bankers:
Sanlander
Customer Service Centre
Bootle
Merseyside
L30 4GB
Independent Examiner:
Jason Foxwell, Independent-examiner.net
12 Hillbourne Road
Poole
BH177JB

CHRIST CHURCH LEYTON
ANNUAL REPORT OF THE PAROCHIAL CHURCH COUNCIL
FOR YEAR ENDED 31" DECEMBER 2025
Administrative Information
Christ Church is situated in Francis Road, Leyton, London, E l 0 6PL. It is part of the Diocese of
Chelmsford within the Church of England. The corrcspond¢nce address is The Vicarage. 52 Elm
Road, Lesrtonslone. London. El 14DW.
The Parochial Church Council (PCC) of the Ecclesiastical Parish of Christ Church Leyton has been
r¢gJistered with the Charity Commission. The charit}. registration no ib 1127622.
Structure¥ government and management
I'he method of appokntment of- Parochial Church Council members is set out in the Church
Representation Rules. All Church attendees are encouraged to regiister on the Electoral Roll and stand
for election to the PCC.
PCC members who have served from 151 January 2025 until the date this report was approved are:_
Incumbent & Chair:
Rev P Brentford*
Clergy..
Rev D Webb Co-opted Minister with Perniission lo
Officiate & Depuly Warden
Wardens:
Mr Rob Pilling
XX I'rustee dispensation
Deanery Synod Reps:
Mrs Sylvia Clovey
M5 Ca2 Rawlinson
Elected members:
Miss Ann Anoslke Secretary
Mrs Joan Ede. Treasurer to 3111212025
Miss Carol Harrison
Mrs Marion Knowles to 1010512025
Mrs Janice Mancktelow
Mrs Clare Parker to 1010512025
Mrs Barbara sweeting
Mr Simon Boase from 1110512025
Co-opted members:
Gregory Pye Assistant Pastor
Electorai Roll Offjcer:
MrREde
*Standing Committee Members

Carole Durcan. our Women's Ministry Coordinalor and from lime-lo-limc oiher congregation
members serving in dilTcrenl ministry areas atiend PC.C. meetings by invildtion as required to giv¢
feedback or answer questions in accordance with the Church Represenlatioii Rules.
Objective5 and gctivitfies
Lhrist Church's PLC has ihe responsibility of co-operating with the incumbent in promoling in'the
ecclesiastical parish th¢ whole Ini55ion of the Church, P¢￿10raI. evangelistic, social and
ecumenicdl. It also has mainlenance responsibilities for the ChLLrch buildin8 of Chrisi Church
Leyton, London EIO 6PL.
Our Vision is to be a church that is trne to our name, as Christ Church Ley(on. We are Christ's Church
with Jesus Christ and his wordsal the centre and heart of our church, we are passionate
about Church and so we are a LhurLh family who seek to love each other like Jesus loved us, 2nd we
are passiona(c about Leyton {and Leylonsionc) as wc seek lo reach out with the life-giving gospel of
Jesus. WL Ihcrefurc want lo A71011, C'hris1 aiid maA-v him kpiuwii whcrL"vcr the Lurd has placcd us and
our mission Pdfth¢rs. This Vision undLrli¢s all our ¢iLtivities.
Achievement$ 4nd performance
Church Attendance
At the hL'drt of what wc do lies our Morning SLrvicc cach Sunday at 10.30am and our Evcning Service
at 6.30pm oil th¢ 2Jid Suiiday of el￿b month. whLr¢ we gather expecrantly to hear God's voic¢ throu¥h
the Bible.
Thc ACJM w&s hcld on 11105125 f()11(Iwing thc morning scrviLc. All th¢ report8 had been cirLuldted
to the congregation betorc the mectiiig giving the opportunity to raise any qucstions cither in person
or beforchand via e-mail, etc. The regular congregation has remained fairly stable over the last y¢ar,
with some newcomers joining and a tew eomii)g off our Elecioral Roll following the co-
vid pandcmic. Ot- the current 105 pcople on the roll, most of thc church lamily live locally or in th¢
surrounding
arca.
The
avera&ie
wcekly
attendance (in
Ociobcr 2024 wa8 73 adultq and I l children for Ihc
person).
ounted duriiig
morning service and5adults for
the monthly cveniiig service who had not also attended in the moniing. We have continued to
stream our Weekly Services on YouTube for those unabl¢ to get to the Church building.
The many ministries of thc Church have also con(inucd and dc￿eloped during 2025. We tbank all
those who have worked so hard lo provide these ministries- Spoilighi (under I Is). Youih on Sundavs
for the 11-16. Growth Groups; Women's & Men's Breakfabls; Toddlers (midweek); English
Conversation Club. pastoral care. and in so many differenl ways.
Review of the Ye4r- Reqchln2 Out & Buildirtg Up
Our partiLular focub for the year has been on OLtr OutreaL'h with the gospel. With this in min
Pdrticular encourdLpement5 lo give thanks for dre-
Sundays: An increase in ¥uesls and visitors comin&7 on Sundays, at Christmas. for our
January and Easter gue.%1 series and s¢rvic¢s;
A Year in Mark's Gospel in our Growth (iroup5 lo encoLLrage and equip us as a church in
our Lonfidence in the gospel, lo be followed by the chU￿h family doing ihe new Cbristianity
Explored ¢ourse in Spring/Summer 2026, and with muLh of our spe¢ial talks also from Mark's
gospel,.
Special Events: Womcn's breakfast had its annual special Christmas event which was full.
there was a men's Eastei. Lurry at a res(aurant with short talk at Eklster 2025, and a special dinner with
short talk was planned for thc Icad up to Easter 2026;

addition,
engagement with
the
congJregalion
and local
community
been maintatned throug,houl the year with invitations delivered to homes for Christmas and
Easter, publicity and carols outside the building,
weekly news updates, live-streaming of
services, our ￿'ebsIte and social media. We are grateful io members of our congregation who serve
in all these different areas.
We have also continued to build one another up as church family through OUT Sunday
services, midwe¢k Growth Groups, a new initiative of summer groups meeting centrally during the
vacation periodio brid&ye the gap to Ihe new Growtth Group year,youth and children's
activities in particular Spoilighi & Youth
on
Sundays Saturday monthly
women s
men s breakfasts. one-to-one and other areas of ministry. Our Weekend Away on 'The Story of the
Church. built on Bible sludies in I Peter. Ephesians and Philippians and il was wonderful to spend
time togeihcr as a church family.
Our music, welcome and coffee teams have also been a key part of our outreach as we welcome
Vl8ilors and our building up as w'e sing and speak the truth in love to one another. Training has
rvmained an ongoing priority, including a training morning and revamped monihly sessions for
growrth group leaders, a tratning session for the ￿'elcome team, a '(irowing Young Disciples, training
day externally planned for our Spotlight & Youth Leaders and music trainintypracti¢e session.
Most of all we are thankful for a servant-hearted, loving, welcoming, diverse and united church
family. All that w¢ do as a church is truly a team effort of not just the staff team bui every member
of the church family playing a part, usin&y their gifts and skills to serve. We are aware of the great
need for people to know Christ and continue to feel stretched as a church family. and so there is an
ongoing need lo pray for workers for the harvest fIeld alongside identifying and training one another
to serve in different ways (Matthew 9..38).
pcc
The full PCC met in person on 6 occasions during 2025 with an average attendance of 870/9. This
includes a meeting following the AGM on 1110512025, at which all the necessary PPC officer
elections were made. AlongFside discussing our weekly ministries, major issues discussed by the
PCC inc'lude our Outreach, our ongoing response to the Prayers of Love & Faith, the work of and
support of our Mission Partners w'ith a now annual Mission Sunday, our finances, fabric including
plans for 2026 to replace our chureh chairs and safeguardingJ including an annual Safeguarding
Sunday. all of which make our ministry Possible.
Mission Partner Support
During 2025. the Mission Partner Support Group met on 3 occasions. A report with recommendations
following these meetings is provided for the PCC. PCC members have been encouraged lo bring to
Ihe PCC meetings any causes that they feel are in need ofsupport from the discretionary
Mission Partner Support fund and At is open to any member of the congregJation to suggest causes as
well. The mission giving for one year is based on IO% of the giving to CCL from the previous
year. On top of this. the Josiah Trustindependently made a grantof IOO/oofthe
previous year's giving to the Trust for CCL to use to support Gospel ¢entred mission ¢aus¢s. The
list of mission partners recommended for support is approved by PCC. The Josiah Trust are advised
of the Causes thal CCL support. The parts of the world covered by our Missiun Partners for
2025 were Southern Europe (through A WM), Eastern Europe (through Cr05slinks). Africa (through
FrontiersJTatenda Trust). Worldwide (Open Doors) and in the UK (CEF BritsinlUCCF-IShepheTds
Staffj.
A breakdown of all the 2025 Mission Partner Support payments can be found in the financial
breakdown al Item 8 on page 12 of thts report.

of the causeq thal CCL %upport. The part.q of the world covered by our Mission Partners for
2025 were Souihem Europe (ihrough AllThf l. Eastern Europe {Ihrougyh Crosslinks). Alrica Iihrough
FrontiersKfalenda Trusl), Worldwide (Open DooTsI and in the UK ICEF BritainlUCCFIShepherds
SialD.
A breakdoivn of all the 2025 Misbion Partner Support paymenis can be found in the financial
breakdown at liem 8 on page 12 of this report.
Fabrlc
FollowingJ the considerable interior and exierior work conipleted in 2024, there was minimal Fabric
expenditure in 2025 of a new manhole cover and i'¢placeTnent tiles.
R¢LTular maintenance visits in 21125 have been made for:_
Portablc Applianc¥ Testing IPA T},.
FirL L'xringuishci's annudl indinlenancc,.
EILaters/gas applidnce SLTvicing & gds safety certificate.
Lightning Protc¢tor Syslcm.
are very grateful to
aPCC
meiiibcr who
bas
overscen
fabric
issues
until 2025.. their committnLnt and involvLm¢iil in this arLa has been gredtly appTeciatcd. The role is
now oversecii by th¢ whole of PCC with a memb¢r of the congregation coordinating fabriL mattcrs
Wlth assistance frum other.%.
Thc issue regarding our boundary wall at the rear of thc building has still co be resolved. This was
highlighted in the Quinqucnnial Inspection in 2022 andmoniloredin 2023. The Structural
Survcyor's rcport wa.s reccivcd in 2024 and tollowing contset with our Quinquennial Inspection, we
are awaiting a visit and advice from a recommcnded contractor.
"InanL'iAI Review
copy of the accounts for year end 31112 12025 are at th¢ end of this report. We continue io be
graleful for thc on-going siipport for th¢ ministy at Christ Church from the Josiah Trust, an
indcpcndeiit charity thai support5 Christian ministry in Leyton and partners with us in supponing a
range of Chrisiian biblical mi88ion causes both in the UK and overseas. The financial situaiion is
rogularly rLviewLdby the Finance Task Groupwiih giving and expenditur¢ figures
being monitored monthly.
During 2025, the direci giving lo Chri51 Church Leyion has risen by nearly 611
Envelopes & Cheques- up 30/a.'
/0 as fDIIows.'.
Open Cash- doivn 18.5 %
Standiiig Order5 -
We were very grateful for a sileable one-off donation Irom a member of the congregation. As Gift
Aid was able io be clairned againsi this donation, the aniounl of gifi aid cl<iimed in 2025 has
Increased 420/0 over the total claimed for 2024.
The FTG has monitored the fmancial situation throughout the year and th¢ PCC Te¢eiv¢ copies
of thL monthly givAnglexpenditur¢ rcport. Noieb from FTG mrctings are circulated prior to PCC
mcelings with details of any proposals which necd approval.
WL thank thc Lord for the ta1th￿InL$s of our congregation in continuing to support thL Ministy at
Christ Church in their Se￿Ie¢, prayers and giving. Prior to thL AGM held on 11105120?5, the

The paused 2023 Parish Share monies held within the EELGST (Essex & East London Good
Stewards I rusl) has been lotall}' used to support the Assistant Pastor at Christ Church Lejton. This
fund has been closed.
Following the PCC decision made on 1311012025 10 pay the Parish Share for 2025 in full via the
Ephesians Fund. th¢ sum of £68022 was transferred to this Fund on 2211212025.
The PCC has committed lo putting the followlng amounts into the Fabric Funds of the Church
each year:_
Fabric Fund £5500
Vicarage Fund £ 500
Fabric Maintenance Fund £2000.
It was not possible this year lo meet the full commitment for these funds due to a deficit in the general
fund at the end of 2025.
The 2025 Fabrie Fund spend totalled £432 for a replacement man-hole Cover and broken floor tiles.
The 2025 Fabric Maintenance works tolalled £1492.80 which covered annual maintenance checks.
There were no works carrffted out on the Vicarage in 2025.
The Mission Partner Support giving for 2025 of £20152 was based on IOO/o of the 2024 giving
income io Chrisl Church Leyton {£8433) and a grant from the Josiah Trust {£11719) representing
IOO/o of the unrestricted income io the Trust, as delermined by the Trustees. This amount
wasnotfully paid out in2025 and £4906 will be caryied forward into 2026 in arestricted
fund. Details of the payments made are show) on Page 12 at Item 8.
The General Fund ai 3111212025 is showing a deficit of £10903.1 l. This deficit is being covered by
monies held within the restricted and designated funds, which we appreciate is not ideal. We
currently recelve a monthly grant to cover ministry costs from the Josfftah Trusl of
£50(10. Consideration will need to be given in the near future to requesl an increase to this grant to
cover our ministry costs.
We shall continue to praise God for His provision in 2025 and for the continued financial support we
have received from the Josiah Trust and the ¢ongJregaiion to enable the ministry at Cl]rist Church to
continue and we pray keep gro￿,ing. We continue to update and encourage the congregation
to regularly consider and review their giwing, whilst being mindful of the rise in the cost of
living. We are also very graieful to our outgoing treasurer for all their years of service, and to our
new treasurer for agreeing to serve, with a handover period in place.
Overall the percentagies for 2025 expenditure are as follows:_
770/0 of expenditure went on ministry costs at Christ Church.
l i /0 on ministry costs elsewhere.
80/0 on bills. overheads and fabric upkeep of the Church.
A breakdown of the 2025 expenditure is shown on Pages 12 &13 of this report.
Res¢rve$ Policy and Funds
Tlie PCC'S primary source of income is from donations made by the Church congregation and its aim
is to use all ot- those funds fiffthering the objectives and aclivilies of the Church. Therefore the aim
is not lo hold reserves. Where the cosl of ministry and running the Church are more than the income
from giving, the PCC is eligible to appl J for gyrants to support their work from The Josiah Trust,
providing it continues lo provide orthodox gospel ministy in Leyton, &s defined in the objects of the

A breakdown of the 2025 expenditure is shown on Pages 12 &13 of this report.
Reserves Policy and Fund5
The PCC'S primary source of income is from donations made by the Church congregation and its aim
is lo use ¢ill ofihose fuiids Furtliering the objeciive5 and activities of the Church. Therefore the aim
is not lo hold reserves. Where the cosl of iniiiislry and running the Church are more than the incoine
from giving, the PCC is eligible lo apply for grants lo support their work from The Josiah Trubt,
providingy it ¢ontinues to provide orthodox gospel ministry in Leyton. as defined in ihe objects of the
Trust. The Josiah Trust has its own r¢s¢rves Policy. Th¢ Christ Church Reserves Policy was agreed
by the PCC on 1411012024.
Where mon¢y is donated to the ChurLh for specific items. these amounts are accounted for
separalcly in Restricted Funds. Any money unspent is Larried forward inlothe next year's
aLLounls. Deiails of all the thnds active in 2025 are sbown on Page 10 of this Annual Repon &
Financial Report 2025.
Approved by the PCC on 3010412026 and signed Thn their behalf by Rei, P Brentlord (PCC
Cb*irman & Ineumbent).
Signed:
P&,4}
Date:
06105,2026

Independent Examiner's report to the Parochial Church Couneil
of Christ ChurLh, LeJli)n
report to Ihe trustees on my examination of the a¢¢ounls of th¢ PCC for the year ended 31
December 2025.
ResponsibRlities and basls Dr report
As Ihe charity Iwsiees of the PCC you are responsible for ihe preparation of the accounts in
aLLordanLe with the requirements of the Charities A¢t 2011 ('Ihe Ac¢').
I r¥port in respcLt of my examination of the Trust's Actiounts carried out under seLlion 145 of the
2011 Act and in cairying ullt my Uxamination I havc followed all the applicable Dirc¢tions byivcn by
the Chariry Col￿niSsIon undLr seLtion 145{5){b) of the Act.
Independent ex4miner's statement
I have completed my examination. I confimi that no matL'Tial matters have come to my attention in
LvnneLlion with the ex4LtninÉltion giving Ine cause to believe that in any material respect..
accounting records were not kept in respect of the PCC as required by seutton 130 of the Act.
or
2. the accounts do not accord with those records.
I have no eoncerns and have come across no other matters in connection with th¢ examination to
which attention should be drawn in this report in order lo enable a propcr undcrstsnding ot the
accounts to be reached.
Jason Foxwell FCCA FCJE
Independent-ex4mSner.ne¢
12 Hillbourne Road
Poole
BH17 7JB
Dale.. 27 May 2026

Financial Statement for the year ended 31., December 2025
Receipts and Payments Account
Note
Generydl
Fund
Other
Funds
Total
2025
2024
RECEIPTS
Regular Giving
Envs & Cheques
Open Cash
Planned Giving (SOS)
One off donations
Gift Aid recovcrcd
Total
5638
1809
34¥85
12000
1.3100
67432
5638
1809
34885
12000
13100
67432
5484
2221
32￿)4
9187
49156
Staff Salaries & Costs
Ministry Costs
CJoods & Scrvices
Church Activities
Other receipts
To￿1 Recelpts
1925
36452
1925
104474
28863
30
1340
14251
6549
1O018Y
68022
9363
771
115943
11719
2905
82646
21082
3676
198589
PAYMF.NT
Staff Salaries & Costs
Miiiistry Costs
Mission Giving
Total
-62180
-5266
-3531
-70977
-12259
-68022
1719
-920110
-74439
-73288
-15250
-162977
-38804
-2252
-57378
Church Uiili¢ies
Goods & Services 10
Church Aclivities
Governance Costs 12
Other payments 13
-8388
-6053
-14246
425
-597
-1006116
-8388
-6053
-14246
-425
-13448
-205537
-9774
-19674
-13519
415
-7325
-107685
-12851
-104851
Excess of reLeipts over payments
Doficii of payments vver rcceipts
TransfeT belween funds
15257
-22205
-694
-7496
15257
-22205
-6948
-7496
-6001
End or prei'ious yedr adjustmeni re
unreconctled amounts
Cash ai bank and in hand at 31. Dec
17646
11645
26091
-6001
17646
11645
18594.10

FuDd$ held
Bal&Nce
l* Jan 2025
Ree¢ipts
Payments
Transfers
between
runds
BAIAnee
31" Dee 2025
General Fund
-21255.86
115941.73
-100686.98
4902.00
10903.11
Hardship Loan Fund
1639.75
1639.75
Help Fund IPrev Needy)
2683.07
141.50
-10000
?724.57
R & B Plutte Support
-10.00
1277.50
-1267.50
EELGST Grant Salaries
3039.64
-3039.64
Parish Share 2023
2 j?78.50
-9996.00
13282.50
Mission Partner Support 2025
4902.00
4902.00
Following fund5 closed at 3111212025
Staff Salary Fund (CCLI
Donations- A Whj
Donaiions- CB
9219.00
-9219.00
625.00
315.00
-315.00
EELGST Grani Salaries
Siltttariians Purse-shoeboxes
J05iah Trusi MPS Grant
Josiah Tnjst Parish Share
3039.64
-3039.64
547.25
-547.25
11719.00
1719.00
68092.00
-68022.(K)
IIDd balances at 3111212025
eneral Fund
Total
-(A)Oi.l i
esignated Funds
arish Share 2023
13282.50
estricted FU￿d3
ardship Loan Fund
elp (previously Needy) Fund
& B Plutle Support
1639.75
2724.57
TOTAL MONIES HELD AT 3111212025
11645.71
io

Notes on recei
ote
ts in accounts
Gener41
Fund
Other
Fundb
Total
2025
2024
Stgff salary & costs Income
EELGST
280000
113
750
28863
ension Refund
eftt Contribuiion
io
1915
IY25
10
1915
1925
2 ,Minist Costs Income
dult Minis
Mother & Toditlers
Parish Share 2025
osiah Trus( Grants
outh Ministry
3112
70
3¥2
70
6802?
36000
20
68022
36000
10
30
68022
104474
1 3 Goods & Services
FabriL Fund
1340
hurch AetiN'ities
wa Weekend 2Q25
ible Noies
Church Funds
hurch Meals
.onsumablcs
Evan elicals Now
ission Partner Su
7355
70
100
1662
7355
70
5270
176
1319
1662
176
176
11719
21082
99
7.300
14251
9363
11719
5 Other'income
Donalions - New Bibles
r)onaiions- AWM
DoRalions- CB
[)0￿lIOn5- Shcpherds Stair
onaiions- Oxford Ministry
Dunations- Shoeboxes
Fees
Qi&S donations
(Nift Collection
ardship Loan Fund
nt¢r¢st
clp Fund Iprev Needy Fund)
1980
375
625
315
1277
625
315
1277
1695
225
481
108
497
1000;
50
547
547
765
765
141
2905
141
3676
771
6549
li

Notes on expenditure in accounts
Note
General
Fund
Other
Funds
Total 2025
2024
Staff salaries & costs exp
Staff Expenses
Staff Salaries
Payroll costs
-1892
-59621
-667
-62180
-1892
-71880
-667
-74439
19610
-18855
-339
-38804
-12259
-12259
Ministry costs
Adult Ministry
Mothers & Toddlers
Services
Spoilight
Youth Ministry
Refund of JT overpayment
Parish Share 2025
-1545
-694
-30
-301
196
-2500
-1545
-694
-30
-301
-196
-2500
-68022
-73288
38
-510
116
-944
-44
-68022
-68022
-5266
-2252
Mission Partner Giving
AWM
CEF Britain
Crosslinks (Gl)
LGP
Oakhill Studen¢ (BM)
Open Doors
ReNew
Shepherds Staff (RP)
UCCF (BP)
All Saints Denabymain
Tantenda Trust
Frontiers
-1000
-3000
-250
-3000
-4000
-250
-3500
-250
-4500
-250
-4622
-250
-1100
-1000
-500
-3500
-600
-500
-250
-1000
-500
-3000
-219
-250
-250
-1000
-500
-3500
-250
-500
-500
-1000
-500
-31
-250
-250
-1000
-3531
-11719
-6322
Church Utilities
Eleclricity
Gas
Insurance
Tclephones
Water
1154
-3600
-2582
-564
-4158
-8388
-1154
-3600
-2582
-564
-488
-8388
1513
-4853
-2498
-485
-25
-9374
12

10 Goods & Servlces
Fabric Fund
Fabric Fund- Maintenance
432
-1493
-2366
-574
432
-1493
-2366
-574
-12165
-2152
-2843
-574
-498
-1442
-19674
G&S
Mandg¢ment Suftwar¢
Phots)copier rentsl
1188
-1188
-6053
-6053
Note
Ceneral
Fund
Other Funds
Total 2025
2024
I I Church Actlvltles
Aw"ay Day 2024
Away Weekend 2025
Aw"a}' Weekeiid 2027
Bibles- n¢w NIV
Llible Notes
Church ,Meals
Consumables
EN'angelieal% Now
-520
-8075
-10006
-1000
-iooo
-1855
-60
-1376
-1415
169
-100
-1967
-1000
-173
-1967
-1000
-173
-14246
-14246
-5891
GoTrernance Costs
Examiner's Fee
-425
425
415
13 Other payments
r)onation- AWM
Donation- CB
Donations - CCL family member
Donations- Dagenham Gosp¢l "1.rn5t
Donaiions_ Oxford Minisuy
Donaiions- Samaritans Purse
Donaiions - Shepherds Sta
Fe¢5
Gitl Coll¢ition IWWI
H¢.Ip Fund (prev Needy Fund)
-625
-315
-625
-315
-375
-125
-3344
-280
-476
-1695
-9996
-9996
-547
-1268
-547
-1268
-597
-597
-1000
-30
-597
-12851
-13448
7325
Statement of Assets and Liabilities at 31.,December 2025
General Fund
Othtr Funds
Tot*1 2025
2024
Santsnder Current Accouut
Cash
-10903.11
0.00
-10911.1.11
22548.82
11645.71
0.00
11645.71
18513.65
8n.45
18594.10
22548.82