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2021-07-31-accounts

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REPORT OF THE TRUSTEES AND FINANCIAL STATEMENTS FOR THE YEAR ENDED 31* JULY 2021

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FOR

THE TAPPENDEN CHARITY {A Charitable Company Limited by Guarantee)

Company Number : 05892698

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Registered Charity Number : 1129037

Meyer Williams Stag House Old London Road Hertford Herts SG13 7LA

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THE TAPPENDEN CHARITY (A Charitable Company Limited by Guarantee) (Company Number: 05892698) CONTENTS OF THE FINANCIAL STATEMENTS

FOR THE YEAR ENDED 31st JULY 2021

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Company Information 1
Reportofthe Trustees 2
Reportofthe IndependentExaminer 5
StatementofFinancial Activities 6
Balance Sheet 7
NotestotheFinancialStatements 8

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THE TAPPENDEN CHARITY (A Charitable Company Limited by Guarantee) COMPANY INFORMATION FOR THE YEAR ENDED 31st JULY 2021

DIRECTORS/TRUSTEES: A C Hayllar D C Osborn RM Horwood

SECRETARY:

R S Gambles

REGISTEREDOFFICE: TheMaltings
63 High Street
Ware
Hertfordshire
SG1i29AD

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REGISTERED NUMBER: 05892698 (England and Wales)

CHARITY NUMBER: 1129037

INDEPENDENTEXAMINER: R J SearsFCCA
MeyerWilliams
Chartered Accountants& Statutory Auditors
StagHouse
Old London Road
Hertford
Hertfordshire.
SG13 7LA
REGISTEREDAUDITORS

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THE TAPPENDEN CHARITY (A Charitable Company Limited by Guarantee) (Registered Office: The Maltings,(Company63 High Number:Street, 05892698) Ware, Hertfordshire, SG12 9AD) (For the purposes of SectionFOR8 of THE the Charities YEAR ENDEDAct 2011 31*andJULY Directors’ 2021 Report for the purposes of Section 417 of the Companies Act 2006)

The Trustees have pleasure in submitting their Annual Report and Financial Statements for the year ended 31st July 2021. The financial statements comply with the Charities Act 2011, the Companies Act 2006, the Charity’s Memorandum and Articles of Association and the 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) issued in October 2019.

TRUSTEES

The Trustees, who are also Directors of the Company, and acted throughout the period are:

A C Hayllar DC Osborn R M Horwood

CONSTITUTION

The Tappenden Charity, Company number 05892698, is a Company limited by the guarantees of the members to a maximum of £10 each and was incorporated on 1* August 2006. The Company is a registered charity, number 1129037 and gained charitable status on 7" April 2010.

INVESTMENT POWERS

Under the Memorandum and Articles of Association, the Charity has the power to make any investments, in the same manner as the Trustees of a trust are permitted to do so by the Trustee Act 2000.

COMPANY OBJECTIVES

The objects of the Company as stated in the Memorandum and Articles of Association are:

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THE TAPPENDEN CHARITY (A Charitable Company Limited by Guarantee) (Company Number: 05892698) TRUSTEES’ REPORT — Continued FOR THE YEAR ENDED 31* JULY 2021

ACHIEVEMENT AND PERFORMANCE

During the year under review the Charitable Company continued its programme of maintenance and refurbishment of its freehold investment properties. During the year the Charity made donations totalling £3,000 to community establishments.

The Charity has referred to the guidance contained in the Charity Commission’s general guidance on public benefit when reviewing its aims and objectives and planning its future activities.

ORGANISATIONAL STRUCTURE

The board of Trustees meets regularly to administer the Charity and Trustees are appointed in accordance with the Company’s Memorandum and Articles of Association. The number of Trustees shall not be less than three but (unless otherwise determined by ordinary resolution) shall not be subject to a maximum.

New Trustees will be provided with the Memorandum and Articles of Association, the most recent financial statements and the minutes of previous Trustees meetings. In addition, new Trustees will be asked to familiarise themselves on the duties and the responsibilities of Trustees as provided in guidance notes issued by the charity commission.

FINANCIAL REVIEW

Total income for the year amounted to £140,574 (2020 £139,675) including £139,699 (2020 £138,025) from rental income on its investment properties. After allowing for total expenditure of £103,527 (2020 £77,597), the Charity achieved a surplus for the year after revaluation of investment properties of £37,047 (2020: £145,698).

PLANS FOR THE FUTURE

The Trustees plans for the future are to achieve a position where the property portfolio is fully let, providing an increased level of investment income to the charity enabling a higher level of charitable support to Community, Educational and Medical research causes.

RISK MANAGEMENT

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The Trustees have considered and continue to consider the major risks to which the Charity is exposed and are satisfied that systems are in place to mitigate those risks.

At the date of this report, there is great uncertainty about the impact that the Coronavirus pandemic will have on the global economy. The Trustees consider that operations will not be significantly affected and they are continuously monitoring the Charity’s cost base and will take action wherever necessary in order to protect all stakeholders should the period of uncertainty continue for longer than expected.

RESERVES POLICY

The Trustees will seek to build sustainable unrestricted reserves to a level sufficient to provide financial stability and meet any exceptional expenditure.

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THE TAPPENDEN CHARITY (A Charitable(Company Company Number: Limited 05892698)by Guarantee) TRUSTEES’ REPORT — Continued FOR THE YEAR ENDED 31" JULY 2021

TRUSTEES’ RESPONSIBILITIES

The Trustees (who are also directors of The Tappenden Charity for the purposes of company law) are responsible for preparing the Trustees' Annual Report and the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice).

Company law requires the Trustees to prepare financial statements for each financial year which give a true and fair view of the state of affairs of the Charitable Company and of the incoming resources and application of resources, including the income and expenditure, of the Charitable Company for that period. In preparing these financial statements, the Trustees are required to:

~ This report has been prepared in accordance with the special provisions of part 15 of the Companies Act relating to small companies

SIGNED ON BEHALF OF THE TRUSTEES

R S Gambles — Secretary By (aenbher. besenee

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Dated BIE Mards.20922...

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INDEPENDENT EXAMINER’S REPORT TO THE TRUSTEES OF THE TAPPENDEN CHARITY (A Charitable Company Limited by Guarantee)

I report to the Trustees (who are also Directors for the purpose of company law) on my examination of the financial statements of The Tappenden Charity (‘the charitable company’) for the year ended 31* July 2021 which comprise the Statement of Financial Activities, the Balance Sheet and related notes,

This report is made solely to the charity’s Trustees, as a body, in accordance with Section 145 of the Charities Act 2011. My work has been undertaken so that I might state to the charity’s Trustees those matters | am required to state to them in this report and for no other purpose. To the fullest extent permitted by law, I do not accept or assume responsibility to anyone other than the charity and the charity’s Trustees as a body, for my work, for this report, or for the opinions I have formed,

Responsibilities and basis of report

As the Trustees of a charitable company you are responsible for the preparation of the financial statements in accordance with the requirements of the Companies Act 2006 (‘the 2006 Act’).

Having satisfied myself that the financial statements of the charitable company are not required to be audited under Part 16 of the Act and are eligible for independent examination, I report in respect of my examination of the charitable company’s financial statements carried out under section 145 of the Charities Act 2011 (‘the 2011 Act’) and in carrying out my examination I have followed all the applicable Directions given by the Charity Commission under section 145(5)(b) of the 2011 Act.

An independent examination does not involve gathering all the evidence that would be required in an audit and consequently does not cover all the matters that an auditor considers in giving their opinion on the financial statements. The planning and conduct of an audit goes beyond the limited assurance that an independent examination can provide. Consequently I express no opinion as to whether the financial statements present a ‘true and fair’ view and my report is limited to those specific matters set out in the independent examiner’s statement.

Independent examiner’s statement

I have completed my examination. I confirm that no material matters have come to my attention in connection with the examination giving me cause to believe that in any material respect:

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] 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 financial statements to be reached.

Rhoors—

R. J. Sears FCCA Meyer Williams Chartered Accountants and Statutory Auditors Stag House Old London Road Hertford Herts. SG13 7LA

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THE TAPPENDEN CHARITY (A Charitable Company Limited by Guarantee) (Company Number: 05892698) STATEMENT OF FINANCIAL ACTIVITIES (ncorporating the Income and Expenditure Account) FOR THE YEAR ENDED 31st JULY 2021

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|||||||| |---|---|---|---|---|---|---| |Unrestricted|Total|Total| |General|Funds|Funds| |Note|Funds|31.07.21|31.07.20| ||| |£|£|£| |INCOME| |Investment Income|2|139,699|139,699|138,025||| |i| |Other incoming resources:||| |Government grants|875|875|-||| |Insurance money|received|-|-|1,150||| |Sundry|income|.|.|500| |Total|Income|140,574|140,574|139,675| |EXPENDITURE||| |Charitable|activities|103,527|103,527|77,597||| |Total Expenditure|3|103,527|103,527|T1597| |Net|income|for|the|year|before| |gains/(losses)|on|investments|37,047|37,047|62,078||| |Net Gains|/(Losses)on|investments|5|-|-|83,620| |Net|income|for|the|year|and|net| |movement|in|funds|37,047|37,047|145,698| |Reconciliation|of funds:| |Total funds brought forward|2,676,636|2,676,636|2,530,938| |Total funds|carried|forward|2,713,683|2,713,683|2,676,636|

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The Statement of Financial Activities includes all gains and losses recognised in the period

None of the company’s activities were acquired or discontinued during the current or preceding year.

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The notes on pages 8 to 14 form part of these financial statements Page 6

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||||||| |---|---|---|---|---|---| |THE TAPPENDEN CHARITY| |(A|Charitable Company Limited|by|Guarantee)| |(Company Number:|05892698)| |BALANCE|SHEET AS AT| |31st JULY 2021| |31.07.21|31.07.20| |Notes|£|£|£|£| |FIXED|ASSETS:| |Tangible|fixed|assets|9|209|261| |Investments —|Investment properties|10|3,350,501|3,350,501| |—|Other|investments|140,090|140,090| |3,490,800|3,490,852| |CURRENT ASSETS:| |Debtors|11|3,354|4,844| |Cash|at bank|25,887|42,424| |29,241|47,268| |CREDITORS:|Amounts|falling| |due within|one year|12|93,493|108,762| |NET CURRENT (LIABILITIES):|(64,252)|(61,494)| |TOTAL ASSETS LESS CURRENT| |LIABILITIES:|3,426,548|3,429,358| |CREDITORS:|Amounts|falling| |due after one year|13|712,865|752,722| |TOTAL NET ASSETS|2,713,683|2,676,636| |RESERVES:| |General|fund|-|Unrestricted|2,713,683|2,676,636| |TOTAL|CHARITY FUNDS|2,713,683|2,676,636|

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The Company is entitled to exemption from audit under Section 477 of the Companies Act 2006 for the year ended 31* July 2021.

The members have not required the Company to obtain an audit of its financial statements for the year ended 31 July 2021 in accordance with Section 476 of the Companies Act 2006.

The Directors acknowledge their responsibilities for:

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These financial statements have been prepared in accordance with the provisions applicable to charitable companies
subject to the smallcompanies regime.
ON BEHALF OF THE PRUSTEES: (~
RM Horwood ALL TOR >>
re
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A C Hayllar beeteeenl Ls~ Authorised for issue by the Trustees on AL...Mere.2022
The notes on’ pages 8 to 14 form part of these financial statements
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  1. ACCOUNTING POLICIES

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THE TAPPENDEN CHARITY (A Charitable Company Limited by Guarantee) (Company Number: 05892698) NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31st JULY 2021

Basis of preparation and assessment of going concern

The financial statements have been prepared in accordance with the 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)) (issued in October 2019) - (Charities SORP (FRS 102)), the Financia! Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) and the Companies Act 2006.

The Charity constitutes a public entity as defined by FRS102.

The Trustees have a reasonable expectation that the Charity will have adequate resources to continue in operational existence for the foreseeable future. In making this assessment the Trustees have considered the impact of the current coronavirus outbreak ("COVID-19") on the Charity, its beneficiary’s, its clients, and third-party suppliers.

While there is uncertainty about the impact that COVID-19 will have on the global economy the Trustees do not believe it impacts the use of the going concern basis of preparation nor does it cast significant doubt about the Charity's ability to continue as a going concern for a period of twelve months from the date of the financial statements being authorised for issue.

The Trustees consider the Charity to be sufficiently robust that its operations will not be significantly affected and that it will be able to generate and maintain sufficient levels of cash in order to meet its overhead commitments for at least the period under review. The Charity therefore continues to adopt the going concern basis in preparing its financial statements.

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 for assets and liabilities as at the balance sheet date and the amounts reported for revenues and expenses during the year. The nature of estimation means that actual outcomes could differ from those estimates. The following judgements have had a significant effect on amounts recognised in the financial statements:

The Trustees make judgements in estimating the fair value of its investment properties held at the balance sheet, with changes in fair value being recognised in profit or loss.

The Charity has entered into commercial property leases as a lessor on its investment property portfolio. The classification of such leases as operating or finance leases requires the Charity to determine, based on an evaluation of the terms and conditions of the arrangements, whether it retains the risks and rewards of ownership of these assets and accordingly whether the lease requires an asset and liability to be recognised in the statements of financial position.

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  1. ACCOUNTING POLICIES - continued

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THE TAPPENDEN CHARITY (A Charitable Company Limited by Guarantee) (Company Number: 05892698) NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31st JULY 2021

Incoming Recognition

Income is recognised when the charity has entitlement to the funds, any conditions attached to the items of income have been met, it is probable that the income will be received and the amount can be measured reliably. Income received in advance of a provision of other specified service is deferred until the criteria for income recognition are met. Investment income, including rent from commercial and residential properties, is recognised on a receivable basis.

Expenditure and Irrecoverable VAT

Expenditure is recognised once there is a legal or constructive obligation to make a payment to a third party, it is probable that settlement will be required and the amount of the obligation can be measured reliably. Expenditure is classified under the following:

Fund Accounting

Funds held by the Charity are unrestricted general funds, which can be used in accordance with the charitable objectives of the Charitable Company at the discretion of the Trustees.

Tangible Fixed Assets

Fixed assets below a cost value of £500 are not capitalised.

Depreciation

Depreciation is provided at the following annual rates in order to write off each asset over its estimated useful life.

Fixture and fittings - 20% on reducing balance

Investments

Investment properties are properties held to earn rentals and/or for capital appreciation. Investment properties are initially measured at probate value or cost, including transaction costs. Subsequently investment properties are included in the balance sheet at their fair value. Investment properties are valued on an annual basis with any gains and losses arising from changes in the fair value of investment properties being included in profit or loss in the period in which they arise.

Other investments are Artworks and Antiques bequeathed to the Charity and are carried at probate value.

Debtors

Trade and other debtors are recognised at the settlement amount due after any trade discount offered. Prepayments are valued at the amount prepaid net of any trade discounts due.

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THE TAPPENDEN CHARITY (A Charitable Company Limited by Guarantee) (Company Number: 05892698) NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31st JULY 2021 1. ACCOUNTING POLICIES - continued

Cash at bank and in hand

Cash at bank and cash in hand includes cash and short term highly liquid investments that are readily convertible to known amounts of cash and are subject to an insignificant risk to changes in value.

Creditors and provisions

Creditors and provisions are recognised where the charity has a present obligation resulting from a past event that will probably result in the transfer of funds to a third party and the amount due to settle the obligation can be measured or estimated reliably. Creditors and provisions are normally recognised at their settlement amount after allowing for any trade discounts due.

Financial instruments

The Charitable Company only has financial assets and financial liabilities of a kind that qualify as basic financial instruments. Basic financial instruments are initially recognised at transaction value and subsequently measured at their settlement value with the exception of bank loans which are subsequently measured at amortised cost using the effective interest method.

Limited by Guarantee

The Company is limited without share capital. In the event of the Company being wound up, each member is liable to contribute to the payment of debts and liabilities of the Company as may be required, not exceeding £10.

Government grants

Revenue grants to assist general activities are recognised in the statement of financial activity in the period in which they are received. Interest on loans covered by the Government provided under the Bounce Back Loan scheme are treated as other income.

INVESTMENT INCOME

31.07.21 31.07.20
£ £
Investment properties:
Rents receivable 137,826 136,169
Contributions receivedfrom Tenantstowards property costs 1,873 1,856
139,699 138,025

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THE TAPPENDEN CHARITY (A Charitable Company Limited by Guarantee) (Company Number: 05892698) NOTES TO THE FINANCIAL STATEMENTS FOR THE YEARENDED 31st JULY 2021

  1. ANALYSIS OF CHARITABLE EXPENDITURE The charity undertakes its charitable activities through grant making and donations awarded to institutions in furtherance of its charitable objectives. No grants or donations were made to individuals in the year:
Grant Supportand
Funded Governance
Activities
2021
Costs
2021
Total
2021
Total
2020
Funded from unrestricted funds:
Community 3,000 100,527 103,527 77,597
3,000 100,527 103,527 77,597

Grant funded activities in 2020 to Educational establishments amounted to £2,000

4, ANALYSIS OF SUPPORT AND GOVERNANCE COSTS

ANALYSIS OF SUPPORT AND GOVERNANCESUPPORT AND GOVERNANCEAND GOVERNANCEGOVERNANCE COSTS ANALYSIS OF SUPPORT AND GOVERNANCESUPPORT AND GOVERNANCEAND GOVERNANCEGOVERNANCE COSTS ANALYSIS OF SUPPORT AND GOVERNANCESUPPORT AND GOVERNANCEAND GOVERNANCEGOVERNANCE COSTS ANALYSIS OF SUPPORT AND GOVERNANCESUPPORT AND GOVERNANCEAND GOVERNANCEGOVERNANCE COSTS ANALYSIS OF SUPPORT AND GOVERNANCESUPPORT AND GOVERNANCEAND GOVERNANCEGOVERNANCE COSTS
The breakdown ofsupport costs andhow these arewere allocated between governance and general support
costs are shown in the table below. All costs are allocated on a actual basis apart from the administration
support costs provided by the secretarywhich are allocated on an estimated basis in favour ofgeneral support
as a result ofthe secretary’s continued project management ofthe refurbishment ofthe charity’s investment
properties. General
Support Governance
Costs Costs Total Total
2021 2021 2021 2020
Legaland professional 2,494 - 2,494 2,533
Repairs and maintenance costs
Independentexamination fee
42,802
-
-
4,710
42,802
4,710
20,143
4,620
Insurance
Rates, lightand heat costs
6,561
10,911
-
-
6,561
10,911
1,505
11,341
General office costs 968 - 968 644
Bankchargesand loan fees 200 - 200 177
Bank loan interest
Depreciation
Administration costs
24,079
52
7,750
-
-
-
24,079
52
7,750
27,019
65
7,550
95,817 4,710 100,527 75,597
Governancecostsin2020amountedto£4,620.
  1. GAINS/(LOSSES) ON INVESTMENTS
31.07.21 31.07.20
£ £
Gains on revaluation ofinvestmentproperties - 83,620
- 83,620

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THE TAPPENDEN CHARITY (A Charitable Company Limited by Guarantee) (Company Number: 05892698) NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31st JULY 2021

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6. TURNOVER

The turnover and surplus before taxation are attributable to the one principal activity of the Company.

7. OPERATING SURPLUS

The operating surplus is stated after charging: Independent Examination fee

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31.07.21 31.07.20
£ £
4,710 4,620
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  1. TAXATION

The Company's activities fall under the exemption given by the Inland Revenue to charities, consequently no liability to UK Corporation Tax has arisen on the ordinary activities of the Company for the year ended 31% July 2021 or preceding period ended 31* July 2020.

9. FIXED ASSETS

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||||||| |---|---|---|---|---|---| |Fixtures|&| |Fittings|Total| |£|£| |Cost| |At|1 August 2020|2,350|2,350| |Additions|-|-| |Disposals|-|-| |At|31|July|2021|2,350|2,350| |Depreciation| |At|1 August 2020|2,089|2,089| |Charge|for year|52|52| |At|31|July 2021|2,141|2,141| |Net Book Values| |At 31 July 2021|209|209| |At 31* July 2020|261|261|

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  1. INVESTMENTS

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THE TAPPENDEN CHARITY (A Charitable Company Limited by Guarantee) (Company Number: 05892698) NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31st JULY 2021

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||||||||| |---|---|---|---|---|---|---|---| |Investment Properties|Other Investments| |2021|2020|2021|2020| |£|£|£|£| |As|at|1* August 2020|3,350,501|3,266,881|140,090|140,090| |Additions|in|the|year|-|-|-|-| |Disposals|in the year|-|-|-|-| |Revaluations|-|83,620|-|-| |As at 31% July 2021|3,350,501|3,350,501|140,090|140,090|

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Investment properties comprise commercial and residential properties which were bequeathed at probate value to the Charity and an additional investment property purchased at cost all of which have been subject to a programme of refurbishment over recent years.

The remaining Investment properties are considered by the Trustees to be included at fair value as at 31% July 2021 as supported by recent independent valuations.

Other investments are a collection of antiques bequeathed to the Charity which the Trustees consider the historical significance classifies the collection as Art Works and Antiques and are included at probate value.

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||||||| |---|---|---|---|---|---| |11.|DEBTORS:| |AMOUNTS FALLING DUE WITHIN ONE YEAR| |31.07.21|31.07.20| |Prepayments and accrued income|3,354|4,844| |3,354|4,844| |12.|CREDITORS:| |AMOUNTS|FALLING DUE WITHIN ONE YEAR| |31.07.21|31.07.20| |Trade|creditors|-|40,000| |Accruals|and|deferred|income|28,244|25,174| |Other creditors|2,018|1,840| |Bank|loans|63,231|41,748| |93,493|108,762|

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Deferred income included above of £20,440 (2020: £16,976) relates to rental income received in advance.

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(A CharitableTHE TAPPENDEN Company Limited CHARITYby Guarantee) NOTES TO(Company THE FINANCIAL Number: 05892698)STATEMENTS FOR THE YEAR ENDED 31st JULY 2021

13. CREDITORS: AMOUNTS FALLING DUE AFTER ONE YEAR

31.07.21 31.07.20
£ £
Bank loans due in one totwo years 65,023 61,010
Bank
Bank
loansdue
loans
due
due
intwo
inmore
two to fiveyears
morethan five years by instalments
206,412
441,430
200,574
491,139
712,865 _752,723

Bank loans repayable by instalments on a variable basis from 2.85% - 3.05% over the bank base rate for varying terms between 12-15 years and are secured by charges on freehold investment property owned by the Charitable Company.

Government assistance was provided in the form of a bounce back loan of £35,000 provided at an interest rate of 2.5% over 6 years. This loan includes a 12-month period in which the interest payable is covered by the UK Governments Business Interruption Payment and no capital repayments are made during this period.

  1. RELATED PARTY DISCLOSURES

No Trustee received any remuneration from the Charitable Company in the current or preceding period. Key management personal received £6,550 (2020: £6,350) for administration support provided to the Charitable Company in the period. During the year R M Horwood a Trustee was reimbursed £Nil (2020: £600) by payment to a third party for legal and professional services provided to the Charitable Company.

During the year Rental income received of £19,967 (2020: £20,000) and payment of £1,200 (2020: £1,200) for administration support, were made to Mode Lighting Limited an entity in which A C Hayllar, a Trustee, has significant influence.

During the year the Charitable Company made a donation of £Nil (2020: £2,000) to the Richard Hale School. R S Gambles the Charitable Company’s Company Secretary is a Trustee of the Richard Hale School.

15. OPERATING LEASE COMMITMENTS RECEIVABLE

OPERATINGLEASE COMMITMENTSCOMMITMENTSRECEIVABLE
OPERATING LEASE COMMITMENTSCOMMITMENTS RECEIVABLE 31.07.21 31.07.20
Not laterthan one year 65,360 65,360
Later than oneyear but not laterthan five years 251,440 261,440
Later thanfiveyears 55,360 110,720
372,160 437,520

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