OpenCharities

This text was generated using OCR and may contain errors. Check the original PDF to see the document submitted to the regulator. This document is also available as Markdown.

← Trinity Methodist Church Leighton Buzzard

2025-08-31-accounts

==> picture [115 x 54] intentionally omitted <==

----- Start of picture text -----
T 4 (})
Methodist HTy
----- End of picture text -----

Trinity Methodist Church Leighton Buzzard Annual Report

for the year ended 31 August 2025

Registered Charity No: 1151861

Administrative information

Address

North Street, Leighton Buzzard, Bedfordshire LU7 1ES_ _http://www.trinitylb.org.uk

Aims and organisation

Our Mission statement

Trinity Methodist Church exists to create a community of disciples of Jesus who

Public benefit

In making decisions about the activities of the church, the trustees have had due regard to the commission’s public benefit guidance when exercising any powers or duties to which the guidance is relevant.

Management

The church is constituted under the Standing Orders of the Methodist Church in Britain. It is part of the South Bedfordshire Circuit.

The church is managed by the Church Council who are the Trustees of the Charity. Members of the Council are elected directly by Church members at the Annual Church Meeting, can be co-opted, or, as post holders in the church community, are members ex officio.

The Church Council is responsible for strategic decisions affecting the management, worship and spiritual life of the church.

Members of Church Council at the date of this report

S-W Jung (Chair & Minister)

M Mele (Secretary to Church Council)

S M Pollard (Treasurer)

A Gray (Senior Steward)

AJ Arnold AH Guy ARH Oldroyd A D Stokes
FA Arscott-Smith N Henshaw R J Owers S Stokes :
.
P A Baker CS Horsefield CLPeckham
R K Bates S Horsefield C Roots
CA Bosworth K Keeley AJ Shenton
JCornfoot CJLowe BE Sinfield

The following were also members during the year to 31 August 2025: N S Bibbings, D S Dawes, M C Dover, E M Green, P E Wagner

Committees

The implementation of Church Council decisions is delegated to the Minister, Leadership Team, Treasurer and these Committees.

Review of progress and achievements

.

We continue to hold two services in the church and one by zoom each Sunday, as well as our bi-weekly bible studies by zoom and a monthly Messy Church service, which is aimed at families. Our mid-week service, held on Tuesday mornings, is regularly attended by 25-30 people from the locality and nearby villages and is particularly appreciated by those who are unable to attend the services on Sunday.

Two biweekly groups meet in the church, a Games Fellowship and “Knit and natter’, giving opportunities for people to meet together. The three sections of the Scout Group continue to meet weekly. There is also a weekly badminton club.

~ The Pastoral Leaders continue to work to ensure that all members are supported through regular contact from a member of the congregation and provide help as required. Production of the twice monthly newsletter continues to be carried out by volunteers, ensuring that all members continue to receive updates either by email or in print.

The Community Action Group continues to support Trinity’s engagement in public issues and those facing the wider community, including fairtrade, ecology, homelessness and poverty.

As a church we have a nominated charity of the year which this year was the local branch of Marie Curie. As well as a fund raising collections a number of events have been held at the church to support their work. We also hold retiring collections for other charities throughout the year.

Plans for Future Periods

Following receipt of a generous legacy we have been considering how we can best use these new funds to support our members and our work for the community. Our members have indicated that a priority is to restart our Toddler group which was closed during the COVID pandemic. We are currently advertising for a Families Worker to support this work which we aim to restart in 2026.

The heating system in the church building is becoming unreliable and we are reviewing options to upgrade the heating taking into account the net zero policy of The Methodist Church.

In compliance with General Data Protection Regulations we will update our Church Directory in 2025.

Financial Summary for 2024/25

General statement

Overall the financial performance for 2024/25 was satisfactory with total funds increasing by 2.4% over the year.

General Fund

The General Fund showed a modest deficit of £1,869 for the year. Increased income from letting the rooms at the Church largely offset a decline in offertory giving by members and attendees. The increased interest income from the Legacy Fund enabled us to employ a company to keep the premises clean and to spend money on the fabric of the building to keep that in good condition.

Community Links

The Community Links Fund continued to support the work of Messy Church including the employment of a Messy Church leader. The balance in this Fund fell by £562 during the year to a balance of £3,297 at the close. A decision was taken during the year to spend some of our Legacy Funds on the employment of a Families Worker. The recruitment had not been finalised at the year end but funds were drawn down from the Legacy Fund to cover the cost of this employment and this was credited to a new Community Links (Unrestricted) Fund

Legacies

We drew down money from our Legacy Fund as described above but we also received a £10,000 legacy during the year so the balance in our Legacy Fund at the end of the year was just £831 lower than the previous year at £265,943.

Other Restricted Funds

These funds, which have been donated for particular purposes, stood at £6,555at the year end.

Painting and Refurbishment Fund

A transfer of £6,000 was made to this Fund from the General Fund during the year and a sum of £6,872 was spent on replacing windows and external decoration. The balance at the end of the year, with interest, was £10,495.

Donations

Trinity donated £1,500 directly from the General Fund.

Financial Information

The accounts for this year have been prepared on a cash basis and have been independently examined. A copy of the independently examined accounts are available on request from the treasurer.

Income and Expenditure Account for the year ended 31 August 2025

General Fund Community Community GeneralFund = Communi
OnE Links
(restricted)		 Links
(unrestricted)		 tyLinks
2024/25 2024/25 2024/5 2023/4 2023/4
£ £ £ £ £
Offertories 59.311 980 65,829 1,570
Gift Aid 13,139 312 12,411 403
Use ofPremises 20,552 16,725
Feed in Tariff 2,087 1,620
Interest 13,476 176 71 5,144 210
Other 1.518 283 349 467
Transfer from 10,914
Other Funds
210,083
751210985
102,078
2,650
EXPENDITURE
Circuit Assessment 62,164 59,529
Property 43,677 42,362
Printing, Copying
and Office 1,678 598 1,884 469
Church Life 2,045 275 2,834 729
Donations 1,500 1,500
Employment 1,440 1,416
Bank Charges 888 25
111,952 2,313 108,134 2,614
surplus/(deficit) (1,869) (562) 10,985 (6,056) 36
BALANCE SHEET
Summary ofFunds 2024/25 2023/24
General Fund 29,513 31,382
Community Links
Fund (Restricted) 3,297 3,859
Community Links
Fund (Unrestricted) 10,985
Legacies and
Memorials 265,943 266,744
Other Funds
(Restricted) 6,555 6,546
Painting and
Refurbishment 10,495 10.599
Total Funds 326,788 319,130
Represented by
Current Account 7,568 13,539
CFB Deposit
account 63,807 41,705
TMCP 255,868 263,868
Cash in Hand 42 26
Adjustment (497) (8)
Total Funds 326,788 319,130
Donations from Retiring
Collections 3,605
Reserves Lower Limit 24,300
Reserves Limit 27,000
ReservesUpperLimit 40,500

End of year reserves are £2,513 above our Reserves Limit of £27,000

Approval

This report was approved by Church Council on 18 March 2026.

==> picture [175 x 26] intentionally omitted <==

----- Start of picture text -----
Rev Seung-Wook Jung,
Minister At
----- End of picture text -----

CHURCH

RECEIPTS AND PAYMENTS ACCOUNTS

THE METHODIST CHURCH

STANDARD FORM OF ACCOUNTS

Trinity Methodist Church

FOR THE YEAR ENDED

31 August 2025

Registered Charity - Charity Registration number 1151861

If not a registered charity His Majesty's Revenue and Customs Gift Aid number

(The HMRC number is equivalent to a registered charity number in terms of evidence of charitable status and may be used to give to donors or grant funders wishing to see evidence of the organisation's charitable status. Methodist charities in England and Wales that are not registered charities are excepted from registration under Statutory Instrument 2014 No.242)

Minister:

==> picture [354 x 93] intentionally omitted <==

----- Start of picture text -----
Rev Seung-Wook Jung
Church Stewards:
Anne Gray Catherine Roots
Sacaaiint"|"7” ian aaenaa "°°." iiaaaiiaal
nL" '1-> (" manila neaaaiammeaada' "1" eae laa
SG ee
----- End of picture text -----

Sheila Pollard

Trinity SFA 2025 revised

10f5

Church

ACCOUNTS FOR THE YEAR ENDED 31 AUGUST 2025

Trinity Methodist

==> picture [525 x 689] intentionally omitted <==

----- Start of picture text -----
|||||||||||||||| |---|---|---|---|---|---|---|---|---|---|---|---|---|---|---| |Unrestricted|Restricted|Totals|this|Totals|last| |SECTIONA|Funds|Funds|year|year| |a1 [RECEIPTS|es|||es| |Offerings and Tax recovered|fe|72,451|1,292|73,743|80,244| |Bank|and|CFB|interest|and| |a3||Investment|income|14,429|486|14,915|11,587| |fas|uctings|=||||] 20,089)|16,122| |aSlotnerreceints| |[a6|[TOTAL RECEIPTS||||[120,545]]|||13,606]|4732,254}||12214|,|796)079|(a7)||]|244352|,|535488| |SECTION|B| |PAYMENTS| |Circuit Assessment or Share|Le|62,164 fF|||62,164]|59,529| |b3|Donations|||Tt|s00—|800|1,500| |Repairs and Maintenance|||ee|22,398ee|a|22,398|18,730| |Utilities|(Insurances,|water| |b5||charges,|heating|&|lighting)|9,814|9,814|9,954| |be | Property|employment costs|Pe|12,336P=|||42,336|7,678| |b7 |other payments|eeee|ee ee)|7,656| |SECTION|C| |ci||FOR|THE|YEAR|a6-b8|7,721|62)|7,659|247,441| |Total|funds|brought|forward|from| |c2|last year|308,724|10,405|71,688| |3 Sub total|c1+c2|316,445|10,343|326,788| |Transfers and adjustments|||493]|(493)|[| |TOTAL FUNDS AT END OF YEAR|(c3+c4)|316,938]|9,850]||326,788] (ca)| |SECTION|D| |FOR|INFORMATION|ONLY:|MONEY|RECEIVED AND|PASSED|ON|TO|EXTERNAL|ORGANISATIONS| |(these|amounts|are|not to|be|included|in|total|receipts/payments|figures|above)|£|£| |Balance brought forward from last|year|S|| |Offerings/Gifts|-|received|for|external|organisations|3,605| |Offerings/Gifts|-|passed|to|external|organisations|3,108|3,411| |A BALANCE STILL TO BE PAID|(d1+d2-d3)|P||

----- End of picture text -----

2 of 5

Trinity SFA 2025 revised

==> picture [139 x 9] intentionally omitted <==

----- Start of picture text -----
Trinity Methodist Church
----- End of picture text -----

SUMMARY OF CHURCH ACCOUNTS AND INTERNAL ORGANISATIONS REPORTING TO THE CHURCH COUNCIL SECTION E Please followthe Guidance Notesto complete this page Summary of the Church accounts for the year ended 31 August 2025 and Internal Organisations reporting to the Church Council/Church Meeting. Note that the funds of an Internal Organisation would normally be Restricted funds unless it could be clearly shown that they could be used for any Methodist purpose. This section must be completed to arrive at the gross income and expenditure totals of the Church. If gross income exceeds the Accruals threshold, then the Accruals method of accounting AND A DIFFERENT FORM must be used to report the accounts (see Methodist website). Please refer to the guidance notes regarding transfers between the District and connected District Organisations.

==> picture [557 x 588] intentionally omitted <==

----- Start of picture text -----
INTERNAL Net Receipts/ Opening
ORGANISATIONS Receipts Payments Adjustments balances Closing balances
he Pe be oP
P| Or eeOs
ee |a ee eee) ee eee eee
Fa| fr Os Oe
asSub total of Internal |ee ee ee ee |ee ee eeee
Organisations funds 5 39
Church accounts (totals
brought forward from page
2 - totals column) 122,796] (a7) 115,137} (b9) 7,659 (c7) 326,788
OTA ASH FUNDS H D
Continue on a separate sheet TOTAL
if necessary and bring the TOTAL RECEIPTS PAYMENTS
totals forward
ee een ne denen eR Te ee ee accra ee nee seen TE N,N EEE ——__——————— _ —— —
SECTION F
STATEMENT OF ASSETS AND LIABILITIES
OPENING CLOSING
CHURCH - CASH FUNDS HELD at 31 August 2025 BALANCES BALANCES
Bank Current Account 13,539 7,568
Central Finance Board 41,705 63,807
Trustees for Methodist Church Purposes 263,868 255,868
1 [other uns (497)
SUB TOTAL - Church accounts 319,129 326,788
Total funds held by Internal Organisations (the closing
balance total from above) (e12) (e11) (e12)
nd TOTAL CASH FUNDS HELD BY CHURCH 319,168
a Rm ne
SECTION G At At
1 September 2024 31 August 2025
OTHER ASSETS and LIABILITIES
Investments (include Endowments P| iz,
Land & Buildings (see notes re Insurance value 3,983,230 4,102,736
Other Assets 174,703 179,944
Loan(s) - show amount outstanding at year end [all P|
----- End of picture text -----

4 Include only Funds held at the Central Finance Board

f5 Include only Funds held at Trustees for Methodist Church Purposes

g1 Include any other investments (not the cash element of TMCP trusts accounts this is included in line f5

Trinity SFA 2025 revised

3 0f 5

Name of Church . Trinity Methodist Church

34/4

Declarations and Scrutiny

| confirm that these Receipt and Payment based accounts for the year to 31 August 2025 have been prepared from the records of the Church and that they include all funds under the control of the Church trustees.

Signature of treasurer pate... solas...

Name and address of treasurer ...... Sheila Pollard

129 Camberton Road Leighton Buzzard LU7 2UW

Presentation to the Church trustees

| confirm that the annual report and accounts for the year ended 31 August 2025 were/will be* presented to the meeting of the Church trustees held on 4 November 2025

Signature of the Chair of the meeting feyNeg ucret SMa... Name of the Chair of the meeting Rev Seung-Wook Jung Date Ya ll ror§

Independent Examiner’s Report to the Trustees of the

Trinity Methodiist Church

Charity Number 1151861

Responsibilities and basis of report

| report to the trustees on my examination of the accounts of the ..724veT¥,.. Mertents T. Church for the year ended 31 August 2025 set out on pages to .2 As the Church’s trustees, you are responsible for the preparation of the accounts in accordance with the requirements of the Charities Act 2011 (‘the Act’).

| report in respect of my examination of the Church’s accounts carried out under section 145 of the Act and, in carrying out my examination, | have followed all the applicable Directions given by the Charity Commission under section 145(5)(b) of the Act.

Trinity SFA 2025 revised

40f5

Name of Church. Trinity Methodist Church

34/4

Independent Examiner’s Statement

| have completed my examination. | confirm that no material matters have come to my attention in connection with the examination (other than that disclosed below*) which give me cause to believe that in, any material respect:

| 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.

| have/have not* obtained independent verification of all investments with the Trustees for Methodist Church Purposes or held in other trusts, bank balances and funds at the Central Finance Board of the Methodist Church which are individually in excess of £10,000 (ten thousand pounds) at the balance sheet date.

r Signature of independent examiner .....(. [rece cce cece cece ne eee eee eee eee eee eee deneeenteeeaeeeeneeaenees Name of independent examiner vooeeweeee CT SEHELLA S Relevant professional qualification of independent examiner CHAC:TER foes enced . raCloJes gn Genietin. UNTAST ar Nameoffirm (where appropriate) ......... 0... cece cce ccc eee eee eee eeeeee eae eeeeeeueneee eae eeeseseeeeeeneeeaeaes Address _§8.. Gs Wat Enp RDEp, HaeTinaren ( BEpyBEP S som aandwwn o Ss Rg GMTon » kee SMe Alps + « GehE85 ppg oo 0 co 19h e wx Pee a crene oe GFe eer seme ese oees on + SaqEPes Post Code¥>,, OMX Date POP: i“ ce

Trinity SFA 2025 revised

5 of 5

CHURCH

RECEIPTS AND PAYMENTS ACCOUNTS

THE METHODIST CHURCH

STANDARD FORM OF ACCOUNTS

Trinity Methodist Church

FOR THE YEAR ENDED

31 August 2025

Registered Charity - Charity Registration number 1151861

If not a registered charity His Majesty's Revenue and Customs Gift Aid number

(The HMRC number is equivalent to a registered charity number in terms of evidence of charitable status and may be used to give to donors or grant funders wishing to see evidence of the organisation's charitable status. Methodist charities in England and Wales that are not registered charities are excepted from registration under Statutory Instrument 2014 No.242)

Minister:

==> picture [354 x 93] intentionally omitted <==

----- Start of picture text -----
Rev Seung-Wook Jung
Church Stewards:
Anne Gray Catherine Roots
Sacaaiint"|"7” ian aaenaa "°°." iiaaaiiaal
nL" '1-> (" manila neaaaiammeaada' "1" eae laa
SG ee
----- End of picture text -----

Sheila Pollard

Trinity SFA 2025 revised

10f5

Church

ACCOUNTS FOR THE YEAR ENDED 31 AUGUST 2025

Trinity Methodist

==> picture [525 x 689] intentionally omitted <==

----- Start of picture text -----
|||||||||||||||| |---|---|---|---|---|---|---|---|---|---|---|---|---|---|---| |Unrestricted|Restricted|Totals|this|Totals|last| |SECTIONA|Funds|Funds|year|year| |a1 [RECEIPTS|es|||es| |Offerings and Tax recovered|fe|72,451|1,292|73,743|80,244| |Bank|and|CFB|interest|and| |a3||Investment|income|14,429|486|14,915|11,587| |fas|uctings|=||||] 20,089)|16,122| |aSlotnerreceints| |[a6|[TOTAL RECEIPTS||||[120,545]]|||13,606]|4732,254}||12214|,|796)079|(a7)||]|244352|,|535488| |SECTION|B| |PAYMENTS| |Circuit Assessment or Share|Le|62,164 fF|||62,164]|59,529| |b3|Donations|||Tt|s00—|800|1,500| |Repairs and Maintenance|||ee|22,398ee|a|22,398|18,730| |Utilities|(Insurances,|water| |b5||charges,|heating|&|lighting)|9,814|9,814|9,954| |be | Property|employment costs|Pe|12,336P=|||42,336|7,678| |b7 |other payments|eeee|ee ee)|7,656| |SECTION|C| |ci||FOR|THE|YEAR|a6-b8|7,721|62)|7,659|247,441| |Total|funds|brought|forward|from| |c2|last year|308,724|10,405|71,688| |3 Sub total|c1+c2|316,445|10,343|326,788| |Transfers and adjustments|||493]|(493)|[| |TOTAL FUNDS AT END OF YEAR|(c3+c4)|316,938]|9,850]||326,788] (ca)| |SECTION|D| |FOR|INFORMATION|ONLY:|MONEY|RECEIVED AND|PASSED|ON|TO|EXTERNAL|ORGANISATIONS| |(these|amounts|are|not to|be|included|in|total|receipts/payments|figures|above)|£|£| |Balance brought forward from last|year|S|| |Offerings/Gifts|-|received|for|external|organisations|3,605| |Offerings/Gifts|-|passed|to|external|organisations|3,108|3,411| |A BALANCE STILL TO BE PAID|(d1+d2-d3)|P||

----- End of picture text -----

2 of 5

Trinity SFA 2025 revised

==> picture [139 x 9] intentionally omitted <==

----- Start of picture text -----
Trinity Methodist Church
----- End of picture text -----

SUMMARY OF CHURCH ACCOUNTS AND INTERNAL ORGANISATIONS REPORTING TO THE CHURCH COUNCIL SECTION E Please followthe Guidance Notesto complete this page Summary of the Church accounts for the year ended 31 August 2025 and Internal Organisations reporting to the Church Council/Church Meeting. Note that the funds of an Internal Organisation would normally be Restricted funds unless it could be clearly shown that they could be used for any Methodist purpose. This section must be completed to arrive at the gross income and expenditure totals of the Church. If gross income exceeds the Accruals threshold, then the Accruals method of accounting AND A DIFFERENT FORM must be used to report the accounts (see Methodist website). Please refer to the guidance notes regarding transfers between the District and connected District Organisations.

==> picture [557 x 588] intentionally omitted <==

----- Start of picture text -----
INTERNAL Net Receipts/ Opening
ORGANISATIONS Receipts Payments Adjustments balances Closing balances
he Pe be oP
P| Or eeOs
ee |a ee eee) ee eee eee
Fa| fr Os Oe
asSub total of Internal |ee ee ee ee |ee ee eeee
Organisations funds 5 39
Church accounts (totals
brought forward from page
2 - totals column) 122,796] (a7) 115,137} (b9) 7,659 (c7) 326,788
OTA ASH FUNDS H D
Continue on a separate sheet TOTAL
if necessary and bring the TOTAL RECEIPTS PAYMENTS
totals forward
ee een ne denen eR Te ee ee accra ee nee seen TE N,N EEE ——__——————— _ —— —
SECTION F
STATEMENT OF ASSETS AND LIABILITIES
OPENING CLOSING
CHURCH - CASH FUNDS HELD at 31 August 2025 BALANCES BALANCES
Bank Current Account 13,539 7,568
Central Finance Board 41,705 63,807
Trustees for Methodist Church Purposes 263,868 255,868
1 [other uns (497)
SUB TOTAL - Church accounts 319,129 326,788
Total funds held by Internal Organisations (the closing
balance total from above) (e12) (e11) (e12)
nd TOTAL CASH FUNDS HELD BY CHURCH 319,168
a Rm ne
SECTION G At At
1 September 2024 31 August 2025
OTHER ASSETS and LIABILITIES
Investments (include Endowments P| iz,
Land & Buildings (see notes re Insurance value 3,983,230 4,102,736
Other Assets 174,703 179,944
Loan(s) - show amount outstanding at year end [all P|
----- End of picture text -----

4 Include only Funds held at the Central Finance Board

f5 Include only Funds held at Trustees for Methodist Church Purposes

g1 Include any other investments (not the cash element of TMCP trusts accounts this is included in line f5

Trinity SFA 2025 revised

3 0f 5

Name of Church . Trinity Methodist Church

34/4

Declarations and Scrutiny

| confirm that these Receipt and Payment based accounts for the year to 31 August 2025 have been prepared from the records of the Church and that they include all funds under the control of the Church trustees.

Signature of treasurer pate... solas...

Name and address of treasurer ...... Sheila Pollard

129 Camberton Road Leighton Buzzard LU7 2UW

Presentation to the Church trustees

| confirm that the annual report and accounts for the year ended 31 August 2025 were/will be* presented to the meeting of the Church trustees held on 4 November 2025

Signature of the Chair of the meeting feyNeg ucret SMa... Name of the Chair of the meeting Rev Seung-Wook Jung Date Ya ll ror§

Independent Examiner’s Report to the Trustees of the

Trinity Methodiist Church

Charity Number 1151861

Responsibilities and basis of report

| report to the trustees on my examination of the accounts of the ..724veT¥,.. Mertents T. Church for the year ended 31 August 2025 set out on pages to .2 As the Church’s trustees, you are responsible for the preparation of the accounts in accordance with the requirements of the Charities Act 2011 (‘the Act’).

| report in respect of my examination of the Church’s accounts carried out under section 145 of the Act and, in carrying out my examination, | have followed all the applicable Directions given by the Charity Commission under section 145(5)(b) of the Act.

Trinity SFA 2025 revised

40f5

Name of Church. Trinity Methodist Church

34/4

Independent Examiner’s Statement

| have completed my examination. | confirm that no material matters have come to my attention in connection with the examination (other than that disclosed below*) which give me cause to believe that in, any material respect:

| 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.

| have/have not* obtained independent verification of all investments with the Trustees for Methodist Church Purposes or held in other trusts, bank balances and funds at the Central Finance Board of the Methodist Church which are individually in excess of £10,000 (ten thousand pounds) at the balance sheet date.

r Signature of independent examiner .....(. [rece cce cece cece ne eee eee eee eee eee eee deneeenteeeaeeeeneeaenees Name of independent examiner vooeeweeee CT SEHELLA S Relevant professional qualification of independent examiner CHAC:TER foes enced . raCloJes gn Genietin. UNTAST ar Nameoffirm (where appropriate) ......... 0... cece cce ccc eee eee eee eeeeee eae eeeeeeueneee eae eeeseseeeeeeneeeaeaes Address _§8.. Gs Wat Enp RDEp, HaeTinaren ( BEpyBEP S som aandwwn o Ss Rg GMTon » kee SMe Alps + « GehE85 ppg oo 0 co 19h e wx Pee a crene oe GFe eer seme ese oees on + SaqEPes Post Code¥>,, OMX Date POP: i“ ce

Trinity SFA 2025 revised

5 of 5