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2024-07-31-accounts

Bexleyheath Community Church Report and Accounts Year ended 31 July 2024 Stewardshlp Aet1ve¥enen￿1ty 1 L8rnb* Pg$w•. London EC1Y 8A8 VMW.St•wardBhip.oTg.uk

BEXLEYHEATH COMMUNITY CHURCH COMPANY INFORMATION FOR THE YEAR ENDED 31 JULY 2024 The charlty h al80 known as New Hope chU￿h TTu$tsos Ms Z 8lanchard- appolnled August 2023 Ms R Hood- resigned August 2023 Ms L A Martin Mr O Scutt- appointed August 2023 Mr R C Thomas- resigned August 2023 Mr G Wnoer Company S•crntsry Mr G Wncer Gov•rnlng D￿¥Mont Memorandum and Artides of Association dated 9 Juty 2012 Company Roglstratlon Numbor 08134173 Charity R•ghtrntlon Numb9r 1148417 Règlstergd Offl¢• 3 Branlwood Avanue Er¢th Kent DA8 1EH Prln¢lpal Addrnss Lyndhurst Chapel Lyndhurst Road 8amehurst DA7 6DL Ind•p•ndent Examlner Ajay Rajani FCIE Stewardship 1 Lan*'s Passage London EC1Y 8AB Bank•rn Lloyds Bank PO Box 101JO Atxlover BX1 1LT Contents Company Informalion Trustees, Annull Report Indèpendent Examinetrs Rgport Statement of Financial A¢tivltlgS Balanoe Sh¢91 No¢8s to thg Ao¢ounls Dalail8d Statement of Financial Acbvilies with Comparat￿$ 24 7-11 12 Page 1

BEXLEYHEATH COMMUNITY CHURCH TRUSTEES. ANNUAL REPORT (INCORPORATING DIREcnoRS' REPORTI FOR THE YEAR ENDED 31 JULY 2024 Intsteès. arn tha charilable company directors for th• pu￿￿5 of company law. ha￿ plaasurn in subrnrtting their ReportaThJ AccKJunts for tha yoar. Objects ofthe charlty The ¢h8rfty is a ¢harilat4e ¢tsmpany and is govemed by its memorandum and articles of S￿￿4￿0n. Tho ¢haritys ncipal obJ8cdvo, a$ $91 out in Ihe govemiThJ document, 1$ to advarKe tho Chr¢tian faith. To thi$ end tho ¢hanty seeks to demonstrate the Christian faith in action by oper8ting a church in th8 88xleyhoath ar•a. Summary of Ihe charlty8 maln a¢tlvllles and 8¢hlov•ments Ths ChU￿h 1$ not ¥ bUi￿1￿j, but a gathering of ordinary peopb of diflerent ages and bathgrounds, whosg li￿ ha een ch8W by Jesus Chtlst. th¥ S¢n of Gc#J. Thg T&stsment rw•al$ Church as a communlty of peok4&, properfy taught and cargd for, by lowng and Jesus Christ, WTe also e¢Jmmiitad to tovè and ¢arg for oach othw and to brinA His love and rn•ssaA8 of salvation to th& arna In whi¢h thaylfvod. Naw Hopè Church Its oporabng name of the legal entbty - Bexleyheath Communty Church), ts trustees, eklerB and members are commltted lo Testament winciplos. Tho Vi$K)n is tr) ¥etr th¢ pecplo ofthe ol 8￿&Y ￿rne into thvd experignee ofkn¢xing J8SLts as Ihr Lord, Sawour and In"ènd. New Hope Church rLJntinues to ullllstr Lyndhurst Chapel to m9 th& good nev+8 of ￿su$ Chrfst knwn In the lo¢al communrty. Our rèlaliorohip wth Slade Gre8n Christian FellO￿h•p has developed such that we now consider building there to b6 0 $8Q)rtd Sitè lor the chwch's activits•S. although further work is required tr) mako this an offi¢ial s￿4tiOn. We continue to seek makg opwrtunities for people to experi¢nce the love of God and respond to the Gtsspel mossago thrwh ￿r regular Sunday meettThJs. a varièty ofmi&waak maeb.ngs and at othar sp8cial 8v&nts (ynisad thrwh the church. Without a dedicabj togm of ¥olunteers from wrthin our curch Community,￿ would not be to mett our obpcbves. so we arg dependent on many of our M￿berS who givg semessly of their Ilme in wr v¥riws ¥¢bvill¥$ throUgh￿tt tr week. We ￿ntInue to wort( wth small gTOUPS and as far as possible loster deeper o)rnmunity relationships induding Mth the do¢tor'¥ surgery across the road Ml¢omtr into our bulldirrfJ 1ortrainin9 and ¢0mmUn￿ meotlng Our toddler group is v8ry busy and regularfy dose to capa¢ty. The older membgrs of thè community att¥nd our G.O.D. (Gwng Okl Disgracelullyl coffee momin9 %thi¢h conlinu&s lo Ilourish with ngw mgmbors joinlThJ. Sadly to stsffino. the gr￿Jp that had started for autTrsbc thldr8n And their fBmili8s h85 had to dose. We conlnuè to opor¥to 8 Friday Club from Slad8 Gr8en Baptist Chapel, attracting a growing number ol M year old$ trom that area. Ovar tha course of tho y•¥r, the relationship has de%loped to the point Ihat Church and Slade Green Christian Fellowship ha￿ cons￿¥1¥d the ptsssibilty to bocomo one Chuffh on ￿ sitss under the n8m¥ 'N9w HoK Church (Bexleyl.. This will be explored fvrther in tho ¢omln9 wr with an Off￿81 ron8ming and ropoS￿On1r￿ of the charft8bb company. Now ChuKh is part of the 'Catstysf family of churches and ￿ support th8 Ideals and ministy of Catatyst through attend8nc8 by k8adg18 and other church members at conference5 and other mtings. W? 8180 support thoir work through regular financial giwng to proj8¢t8, boih in the UK and Ih•wider wortd. W¥ arg also artlng to bulld relaltonships through 8fKth8r N9w Frontiers sphere- Regions B•yond. The church conb"nu8S to support Ihg fvnding of a couple frem wthin the Ctyst ¥phor¢ 01 dlwehès who hab mov8d to Gme• tt> ￿ts[k amon9. end seek to plant cknurches In, refiw camps there. In planning th8 8(aMtses th& Twst8es have had regard to tha gUtrthr￿ on publk b8n8fit Issued by the Charity Commi$8ion. StNcture, Governan￿ and Managorn•n¢ ResponsibS1ty for settlng polity and tsr detennining the paramot¢rs ￿1n ￿ttl¢h the charity should operate and for makiTrJ op9r8b.ng dea$ions rests with the Trust8es rneet regularly to monitor the •a*￿ie5 of the ¢h8rity. Now TN6tees ￿e recruited aTrJ appointod by thtr ￿$ting TN$tg8s. Page 2

Flnort¢lal rwlow During ygar In¢>)me tJe¢re8sed by £12,448 to £95,109 and oyndituro dècreased by £5,448 to £103.727. As result the deficit for tha year was £8.fj18 {2023'. £1,617) and rt assets decreased by that amount lo £594,065. assets ¢ompris¥d tsngibltt 8$8•ts {prin￿palfy proptyl ¢arrylng v¥lug 01 £494,5S1. cash of £102.749 less olher net (xtrrent liaknlities of £3,215. R•8•pms poIIcy Tha TnJsle8s h8¥0 detemined that the charity shoukl aim to hotd tree reserves Idgfin8d 8$ bsinu unreslrithd ¢ashl of no less than £25,000 (which equat8$ lo about 3 usual month's eynditurg18nd no more than £100.OC¢) Iwhth equates to 8ttyJul 12 rnonth's usual expenditure) so that th& charity coukl ￿ntinue to operate should income and I cr expendituro vary adversdy. At the y8ar end, thg cwity held unroslrfctsd ￿$h 01 £101.447 and the tharfty ￿. broadly speaklng, comDthna its ￿Serv8S Dolicv. rJ8k• And vneért#lntlo¥ The Twstees have rev¢ewed the r&ks to V+tA¢h a sm811 charity opernlng lth one ernployee is exposed. AFpropriate pro¢odurg$ are in placo to idèntify, monitor and these risks on a rogular basL8. R•#pon$lbllllleB of Tru8t••8 und•r eompAny l•w The Tru3tees we ￿sPOnsIble for prwring the Tru$$' Annual Rgport #nd Ihg fin8ndal stmgnl$ In atrxIrdanc￿ wlth appllcabk l&v and Unitsd Kingdom Accounting Standards (United lQngdom Ge￿rallY Accepted Accountrig Pra¢ts'¢èl. Cornpany law requires the TNsts&s lo popare finan¢i¥l slatements for ea¢h finartcial ￿•r whi¢h give 4 tru& antj tslr vthv of thg ¥tats of the affairs of the charitsb19 Company as at th& balan¢8 $heg1 d8 and ofits IncKJmlng rnsources and applkalon of ￿oUrces, induding incom• and exp8nditure, for the financigl year. In proparing these financial statements, the Trust8es are raquired lo.. 1. s•lèd suitable accounting poliaes and aFply them conslstenlty,. 2. observe th& methods and principkgs in tha Ch8rib"&s SORP.. 3. makè judg¢monts aThJ estimates Ihat arg re¥son8Ole and prud&nt,' 4. state fietherthg applicable accountirrfJ s¢andord$ ha￿ been lo110￿. sut48Ct to any materi81 departures rfwdoBed and explained in the finaTrraal statements., and 5. prepare the financial ststamgnts on a going concem b8$s unks$ it is i￿p￿0￿1¥18 to presume Ih81 th& ¢harity ￿11 continue in operalon. The Trustses are ￿Spor￿1bl$ for keety'ng proper a(xountiW focords that disclose wilh r¢asonabk accuracy al any lkn)• thg fin8n¢ial position ol the th8rltsbl& ¢omp8ny and enable Ihgm to ¢nsur• that th$ fin8n¢ial $tstgmgnts compty ￿th the Cornpanles Ac¢ 2006. They are also responsib￿ fc¢ safeguardirg th8 assets of the charitable company and ￿n¢$ ting rgasonable steps for th8 pr•v•ntion •nd dotethon ol fraud and othèr irregularitiès. Apprwl This report, vknich has prap8rgd in ￿(ordan￿ ith th8 prtsmsions of thg Cunpanios Act 2008 rolating to small ¢¢mpan￿$, 8pprosd by the Trust￿ and $iAn8<1 on Ihetr behalf bv.. Garthwintff lJènY,20250*.51GN G VIn￿r Tw$ts& Dat8: Jan 9, 2025 Page 3

INDEPENDEpif EXAMINER'S REPORT TO THE TRUSTEES OF BEXLEYHeATH COMMUNITY CHURCH Ilhe Compan￿) I report to ts charity tru8teeB c) my examinabm of a¢¢(wntg of ts Ctyxpany for the yw 8rthd 31 July 2024 on pages 5 to 12 ¥th￿h ha￿ been on ￿ ba818 d the xcounting polic toulonpow7108. RMponslbllltl•8 and bMl of rtyort A6 the Charitys IrLK8tees the Company {and akn direclorn for ts purpo8e8 of company law) are respon￿ble for thé préparati￿ of the acc¢xnts in ￿C￿den￿ ilh the rewirements of Companies Act 2006 {'Ihe 2CK6 Acfl. HavrNJ satlsfied myJeW that thè accounts Oft￿ Cryny are nr￿ lo b8 audlt•l und8r Part 18 01 the 2006 Act and 8ro olvJib18 for independent examination. I report in respoct of my examlnation of your chority8 accounts a8 carri•d ¢)ut under Sec1K￿ 145 of the Charities Act 2011 Ilhe 2011 Act'l. In carryi out my eXamir)•t￿n I have folky4¥•d the Dtrethns given by the Chgrlty Commk8wJn under SKII￿ 145{51 Ib) of the 2011 Acl. Ind•p•nd•nt •xarnln•rf• •tAt•mMt I hwe compkted my examlnation. I confimi th•t M mattarn havo (x¥no to my att•ntton wi conn&tKm with ¢x8mlnotk)n gbNing me cau88 to beliov8.' 1. accounting Mcorth ￿r• not kopt In of th• Company a• raq￿rad by seth 386 of tho 2008 Act., or 2. accounts do acctyd with thos• rt¢ords'. c 3. th& account$ do not compty with the occ￿ntiftg rnquIr￿nts ol leth 396 crf th8 2006 Acl other than ny requlremenl that the o¢¢cwnts give a Irue wvj fa￿ wi￿ vknich IJ rKrt a con$Kler•d a5 part of an independent oxamination.. or 4. the accounts have not been prepwed In Koxdance the mhodJ aThl ol the Statsmenl of Re¢ommonded Practlce for ac¢ounling and rowling by charities applublg to tharIt￿ prepating th•ir accounts In ac¢ordance wilh the Firban¢io1 standard opplt¢oble in tha UK Rapublic of Ir0L4nd {FRS 102). I hav• no ¢on¢oms and have cAme xross r￿ cther matters In ¢onrrttlon *ilh th8 examlnatknn to which attention S￿lUId be dr•wn in Ihi5 rwt In order to enable a proper understandwig of the account8 to be .3025 I￿GlAr) Ajay Rajani FCIE Stthvardship 1 Lamb's Pa88age London EC1Y 8A8 Date.. Jan 9, 2025 Page 4

eEXLEYHEATH COMMUNITY CHURCH STATEMENT OF FINANCIAL ACTivmES INCLUDING INCOME AND EXPENDITURE AccouKr FOR THE YEAR ENDED 31 JULY 2024 Tolal Funds 2024 Total Funds 2023 Unrestricied Funds Rastrfcled Funds No¢e INCOME AND ENDOWMENTS FROM: Donations Charftabl& Bank intsrast 85,855 1.790 87,645 6,4S8 1.008 103.012 4.216 329 T¢tsl Income and endowm•nts 93.319 1,790 95,109 107.557 EXPENDITURE ON: CharitalAe actNibes 103.056 103.727 109.175 Total expendliu 103,086 670 103,727 109.175 Net Incomellexpendlluu•l 19.738) 1.120 18.618) 11.617) Trnnslern ￿tWO¢n fund8 12 N•t movThnt In fund$ 19.7381 1,120 18,618} 11.617) R•eon¢lll8don of funds: Total funds brought forward 802,521 182 602.703 804,320 Total funds carrhd f¢nw*rd 12 592.783 1.302 594.085 2,703 The stalemenl of financMI aclfvth•s In¢lLMles 8119alns and losses rec4yJnlsed In the year. All income and e¥pendliure derfve from e￿Ilnub¥ operation$. The statement of financial actwrfres also o)mplies the requirements for an h)comg and •xpendlture account requlred tythè Companies Act 2006. The notss on p8ges 7 to 12 fomi part of these arthunts. Pay5

FOR THE YEAR ENDED 31 WLY 2024 Tol•l Funds 2024 Tol•l Fund¥ 2023 FuThJ• Fun HxeD ASSETS T¥ngWg a&ts 494.551 494,551 494.$51 494,551 505.830 505.830 Dgblors Cash al bar •nd in h•nd 16,440 06.961 101,447 102,749 107.341 108,643 103.4CQ CReDITOR8: *Thounts 14lllng du• Twlthln on• > io 19.109) 19.1091 16,$27) 96.873 TOTAL IIEfA88ETS 592,783 FUNO BALINce8 Vnr8slrithd Funds G•nor$l fvr Dai&na¢•d fvnd• 12 100.783 492.0ts) $92,783 100.783 492 000 $92,783 1,302 594.065 98.S21 $04,000 602,521 182 R￿tr￿t•d Fund• 592.783 602.703 Th• ch•rlloty• .5I Jan 9, 2025 G b1nLW. tru8t•• Crywny nurrow. OB134173 Ch•rty Thumb￿. 1148417

BEXLEYTrNTM COMMUNITY CHURCH NQTESTO The A¢¢OUNTS FOA THE YEAR ENDED 31 JiLY 2024 1 siaiLbtory Informatt The is a chathbbccthponylwnite(I by wwr8nlo•¥nO thUnit￿ The c•nP￿S numt¢r regtsiw8dofflc4 8th888tan b8 ftythd on thè Campsny Infom)8ttcffj p¥9. 2 A¢￿un￿n9 Pollcl88 The88 finar￿1 8tsment8are pryredon a going concern ba%s. und¥the hi%tortcJ ￿$t(￿Ven￿on. Repo￿ng by Chariiies prepartNJ theirary>wnt5 in 8cJ8ts, are indudod èwditure ￿ d&g1ilat40 •thitt05 but ortr ￿entified gWrnt¢ty in the n￿$ ¢0 the actoum in¢kJde¥ c%xts asgrd whh the independpnt ex8mino¢'ort of the financlal ¥lnents. t•mpln¢a ith Can8Nb￿llsrtd 8tslUtuy rrfuirements8nd any other eypendiiur&incAJNÈd on thtr8tr8bgi¢ mawèmeni oflhe th&riiy. dl nda￿un G￿ra1 OJnd8 are unrethtted lund&whth are 8va6abk fDr uta al th&dwtrttn oflbAJstae8 infurthw8N ofthegeneral of the chanty. D88n&tthY fimds unrerirAed fvnds tha¢ have tein 8¢t pd¢ by ts trustags for wrpce8& Rest￿thd fvn¢¥Br8 don11r￿¥whjth am to té irt wdan¢8ith specific restrbXQrt8 by ¢lonu& thrathl8donalcrn rec6wJfmm 8ppe&l& f￿sPe&fiC advthsor It•ns purthased or dDnated for the charW8 u88 ¥e capRaI￿ the C4Xt of purch8sJ rt8m or ts I￿r of or￿￿ted itoms. is mcwe £1,0￿j al￿ ¢he item Is e¥pera8d to benefit the rarty over ffjo￿ th8n peri¢d t)ep￿til0n li dw80¢ on 8 ¥￿ight ba8 $t 8$ tts vrritè dtywn ¢he ¥81u8 of a￿1 to ils e&timat8d ¥81u8 IW8ryl 0¥8r ite Us￿1t¢4)r￿1iThre. To arhie¥o tN8 the r8t88 0fd8prec1a￿ are charg•Y.' Fre8hokl prop O¥er50 y•Brn FlxJres. fitbng58nd ye8 carfyin9 vaLS of tsngitye fixed 888et8 ara knpBLrm8ni h ph>a8wh8n events or thng8s in thAJm*onces inth Ih8tth8 v81ug rnaynoi te rther￿￿e. PBge 7

MOTES YOTrE ACCOUNTS FOR THE YEAR ENDED 31 ￿lLy 2024 Accounong Pollclos c•nltnwd 73.175 14.470 87.645 83.877 19.135 103.012 Grft¥vJ 24 2023 316 4.218 Ch•rii•bb ¢XpoN1￿ 2023 51.059 51.339 Y￿th 4TrJ Y7 252 6,679 1.485 fysnt¥ p8y8t48 lTrJt8 69.9T2 77.049 Co&ts incuffèd on ￿PP￿S 1.$70 14.556 13.490 12.925 13.054 1.745 2,363 In¥vn 33.754 Totsl•wdltrJre

FOR THE YEAREtr￿ 31 JULY 2024 2024 2023

)24 2023 crtt• 600 of•t•ff ¢Mtol Ind tru•t•• rtyhuw*Uo ￿￿uNt••11. 7 T•ryN• Ilx•d 4M•I• T•¢•1 2024 •q￿￿n￿ A¢ 1 AuJwt2023 21.610 821.618 AI 31 2024 11 2023 Char90 At 31 2024 19,708 115.788 131 2024 At 31 2023 8 O•tsto 1.412 11760 44

BEXLEYHEITH CCNMMUNITY CHURCH NOTESTO THEA¢COUNTS FOR THE YEAR ENDED 31 JULY 2024 C••h •t B#hk•nd lth Hthd 2024 2023 Bank cJJrNii8cuyJnt Bank dep￿ftSC£Qunls 19.9e6 10.205 76.755 10 Crndltorn.. 110￿11￿• lalllhy one year 2023 1.519 500 1,220 T&¥atioft 8NI swity 1.578 08ferr•J Incum ffjpre&enb intort fry a thd not IAk• unth just 8ftw tha ￿r end when th8 w8ro r•)Jgn18ed 88 hc£ffi8. 11 ￿nsIOn commlbnents During year emFlwls porth ¢xfib1butknns bJtsL¥w É1.28912021. £1.289lwere pgy8t& to deknd per>>)l pÈn Atth¢ b•lwK¢ sheetdBle pen5kJnu)ntriyJkns toLl￿Nd £251 (2023.. Q511 WO4X¢d. 12 Fun t￿n￿O tr¢ M0￿m￿ts In Ihe funds￿￿ Opening Inc4)mtrKJ Transfw8 the year rjosing 2024 2024 Deg￿te3 capltal Imd Unr•ththd gOnw￿ 504.fmjo 96,521 112.LlYJI 191.0561 93,319 1Cp),783 e02.521 93,319 1103,0561 592.783 Ukr8N trjnd R8UrJng Rep8ir fvjnd 182 182 670 16701 162 1.302 4yreWeotfund5 802.703 9S.109 1103,72n $94.OB5 Ahatyslsofngt ZSTgts The8s%t5 and F0bffii*8oftho ¥8rfeAtsfiJrthwere 88 fdknw8.' nds bJnd8 2024 Tangib￿ a88ets 2.551 5.894 101.447 19.1091 492,000 494.561 Co￿￿¢t)￿k •nd inh•nd Cr8ditor8lalUr4 One￿ 102,749 19.1091 1Crf).783 492,000 5Y.085 Page 10

BEXLEYtrEATH COMMUNITY CHIMICH NOTESTO YHeA¢couiirs FOR YEAR ENDEO 31 JULY2024 12 FuThl• ￿ntInU•¢ Opaning Inwmkng Quwng Tr•nsfern 2023 2023 2023 2023 2023 D•wnal8dc4pnal fvnd LtnrnBtrira8d gonergl bjnd 518,0fr) 88,138 112,OCp)I 183.1491 504,0 98.521 96.631 601.138 95.631 197.1491 602,$21 R••lrt¢iod Fyndi Ukr•lne ￿nd Youih ￿PhI frjnd Sparfl In the Park 182 1,926 10100 12,020 11,9281 182 112,0281 182 004,320 107,J57 1109,1751 602,703 An•ly•l• by lund Irb1h•pthc￿Yfj•r, h•••f•i••nd Il•b￿l•101th¥ fvAd•w•r• •• bIhY￿.. Gèn8ftl DenAt•J bJnd• 2023 Tqnglbl• flx•d •BMt• D•t4or• CAsh •tb•nk and hartd CrrAlorn lolllw due y••r 1.830 16,440 88.779 18.5271 6Ql,000 505,830 16.440 Bfj.961 16,52n 182 98,521 JQ4,000 182 602,703 Th• ￿￿11 fvnd l• * I￿gntsd and rweaents bjnth ￿ ￿d0 ty th• bWith•• for hw•Mni In prwrty., th• rrrhd fward an(• on fvnd18 rwB8nt8d by Ihe nèi b¢)J vabè ofth• thirity'¥ prw•ty. TM Ukrnln•fvnd 41 • r•ththd fvnd cMwt8d frorn doMUon• r•¢4v•d 10 h￿P •ffeci¢d tyy th•w¥ln Ukralrn. Tts Youth Alph• fvrd ￿ a r•Btrkted crothd Irorn Incorn• rqcW to hdp m•rftho C￿014 YrAJlh AphA w••kwd •t •n OthdoDrc•nty•. 8park In Tho Part bjnd li a r•JMo•d ￿nd r4Mtad Imm donq&JnBrecth•d toh•lp th•gxl of• e4mmunty •vwtQrow￿O wiul other knc41 curckne Mb••loh Support lund IBa fvrxl cr8al8d don•ibn• r•¢•W fty• mlrfng m[n￿tsrat Another lo￿1 rhut, Rgp•lrfv¥)d l• a r•thd•J frJndi¥eat•J frcth r•¢d%d to m•otth• olchurch re￿1￿. 13 TrnMaeUon• wlth r•laW p•rtl•• ftng th? y¢•rth thliity •} r•c¢iv•d don•uoni towiino t14.911 120fJ.. É9.7501 reW Iwhlch hdud88 tnJ8teo& koy rnwno￿￿t anyo conn8Cted ¢0 th&ml. bl pur¢hal PA equipmem ror £1.20012023.. £nill from a pernon who h rJoW r•w to Jonn mtt￿der. ¥¥1￿+ 8orw88 8 I￿r d8r and li thoreforecoMidred tobB • merrthrol hyMRnag8ffle￿. EkYApi MO1K40￿ in not• 6 ct4ts'. th•r• h•¥• been noolher tMr￿e￿iwIkn robtodpath th•yw. 14 Mefflbern Each m￿￿￿911￿1 c4rro•ny Wth¢th0rfty18￿Und up*n amunl of£l0.