2023 Annual President’s report to Trustees
The Self Care Forum goes from strength to strength to the hard work of the whole team including trustees, advisers and management.
Personnel
o Departing trustee
-
Rhian Last stood down. We thank her for all her excellent support and wish j her well.
-
We are grateful to Rob Darracott for his assistance with the handover to Trevor Gore.
o New trustees:
-
Farhana Hawthorn (PAGB)
-
Emma Hyde (Personalised Care institute)
-
Anne Majumdar (Imperial College)
o Lost and gained a treasurer - Trevor Gore – thank you for agreeing.
Today we are looking to increase constitutional numbers to allow all to become trustees and to allow a larger membership group to include adviser and others.
o Self-Care Champions
- Our network of champions has increased to 102.
Website and Online
Website continues to receive large numbers of hits. Thank you to Libby for making it happen.
We are also gaining increasing numbers of likes and attention on LinkedIn.
Thanks to Libby for achieving this.
Looking to increase social media presence and we are now on 4 platforms (LinkedIn, X, FB and Instagram) – all help gratefully received in increasing our reach. A comms group is planned.
Self-Care Week
-
New icon designed by award winning designer, Mark Osborn.)
-
Representatives of all 4 UK countries took part in the launch (on X)
-
We worked with Department of Health in Wales to produce Welsh SCW assets with icon
-
100 schools across Northern Ireland participated in SCW learning about pharmacy awareness and safe use of medicines
-
3,673 fact sheets were downloaded during the Week
-
Approx 1000 organisations and individuals took part across all 4 countries
-
Mental wellbeing is the most popular message promoted during SCW
Self Care Innovation Awards
-
Funding gratefully received from ISF
-
Judges from NHS England, ISF, and SCF trustees
-
Winner was Care Forum, a charity with a wide-ranging social prescription and information programme in Bristol + S Gloucestershire
Fact sheets
-
Fact Sheets
-
Fundamental offering – focus of interest
-
Begun process of reviewing fact sheets and changing them to a new improved template (recent feedback has been very positive).
-
Fact sheets total 30, 10 of which have been translated into Urdu and 4 were commissioned by the Criminal Justice System especially to support the health of women prisoners.
Funding collaborations
-
NHS Women’s Health directorate – Criminal justice system
-
Produced 4 women’s health fact sheets – lived experience
-
1[st] Pfizer Project
-
Produced 2 new fact sheets (winter wellness and winter health)
-
Translated 10 into Urdu
-
Ran 2 successful webinars
-
Collaborated with Education for Health
-
Completed final report in April 2024
-
2[nd] Pfizer Project
-
Secured funding for research project including a modular repeatable research survey of public and professional at udes to self-care jointly with SCARU
-
Reckitt (Thanks to Trevor for securing this project)
-
Update sore throat fs and use of logo for agreed funding.
This work ensures appropriate reserves and viability.
Collaborations
-
PIF (Patient Information Forum)
-
Suggested by partners PIF to become PIF ticked (work still in progress)
-
PAGB / Self-Care Strategy Group
-
Letter to new Secretary of State for Health
-
“Taking stock of the Government’s delivery plan for recovering primary care: Oneyear-on” review report
-
Learn with Nurses
-
Self-Care for Summer (secured by Helen)
-
Pharmacy
-
Pete and Ade did a webinar for RPS
-
Trev and Ade presented at the pharmacy show
Research
International Self-Care Observatory
-
Arose from an Imperial SC Symposium last year
-
For the first time, building on the SCF President’s obsession =challenged to produce a repository of all major self-care research under one roof
-
People said it couldn’t be done so we did it
-
People said it would be too expensive, so we did it for £250.
-
Wix website – curated by UK and international leaders in self-care research
-
20 different subjects, each curated by a different self-care expert
-
Has been circulated to last year’s attendees and will go live within the next month or so
5 Year Strategy
-
We have developed and completed a 5 Year strategy.
-
Thank you particularly to Mary for creating the excellent plan on a page (a SCF first). This will help us define detailed goals and specific work streams to achieve them.
-
Thank you to Chee Yeen Fung for the suggestion of creating delegation and to Steven for helping define how these committees can work within our constitution.
Name change
- Agreed to add hyphen and change the name of the charity from The Self Care Forum to The Self-Care Forum in keeping with current usage. This required a quorate vote by 75% of attendees at the AGM which was achieved.
Thank you for your hard work - we look forward to another successful year.
Dr Peter Smith OBE MBChB
President, The Self Care Forum
16 July 2024
Registered Charity Nurnber 1167500 The Self Care Forum Report and Unaudited Accounts 31 December 2023
The Self Care Forum 1167500 Trust. Roport The trustees present thr report and aLuunts for the year ended 31 December 2023. ststus and Prfncipal Obi•cts The Self Care Forum became a regtstered chanty on 6 June 2016. Its obiects are the promobon of publr health ty. al Promob"ng sew care for the public benefiL t*ing Ihe xtions that irnlNiduals take for themselves, on behalf of or wth others in order to devekjp. protect. maintain and improve their heatth, wellbeing and wellness. bl Promoting. de¥ek)ng and provkjing progrdmmes. pract1 tools for discussion and supp)rt for both individuals and organi&70nS to aKJ self re.. cl Promobng the preservabon and prO]0n of indNiduals' health through self care by educab.on and awareness of profess$. praL#ilioners and the general publ, partUlartY young people. in all areas., and dl Promotsng for the public terEfiL the understandry of h6alth literacy inclusive of both $ystem$ and processes to improve rt. Tfust•as Report Plèase nots the folkming 3 pag8s fomi part of the Trustees Rep. Tru$tO08 The following pernons serwed as trustees durirvJ the year. John Chisholm Helen Donovan (Chair) Renata Dnnkwater Austen El-osta Chee Yeen Fung Rhian Last Michelle Howarth Peter Smith Ade Willlams Mary HkSOn Trevor Go Cathenne Walling This POrt was approved by the tthrd on 18 July 2024 and sign•1 by its order. Hèlen Donovan Melell LJUllUVall Chair
2023 Annual President’s report to Trustees
The Self Care Forum goes from strength to strength to the hard work of the whole team including trustees, advisers and management.
Personnel
o Departing trustee
-
Rhian Last stood down. We thank her for all her excellent support and wish j her well.
-
We are grateful to Rob Darracott for his assistance with the handover to Trevor Gore.
o New trustees:
-
Farhana Hawthorn (PAGB)
-
Emma Hyde (Personalised Care institute)
-
Anne Majumdar (Imperial College)
o Lost and gained a treasurer - Trevor Gore – thank you for agreeing.
Today we are looking to increase constitutional numbers to allow all to become trustees and to allow a larger membership group to include adviser and others.
o Self-Care Champions
- Our network of champions has increased to 102.
Website and Online
Website continues to receive large numbers of hits. Thank you to Libby for making it happen.
We are also gaining increasing numbers of likes and attention on LinkedIn.
Thanks to Libby for achieving this.
Looking to increase social media presence and we are now on 4 platforms (LinkedIn, X, FB and Instagram) – all help gratefully received in increasing our reach. A comms group is planned.
Self-Care Week
-
New icon designed by award winning designer, Mark Osborn.)
-
Representatives of all 4 UK countries took part in the launch (on X)
-
We worked with Department of Health in Wales to produce Welsh SCW assets with icon
-
100 schools across Northern Ireland participated in SCW learning about pharmacy awareness and safe use of medicines
-
3,673 fact sheets were downloaded during the Week
-
Approx 1000 organisations and individuals took part across all 4 countries
-
Mental wellbeing is the most popular message promoted during SCW
Self Care Innovation Awards
-
Funding gratefully received from ISF
-
Judges from NHS England, ISF, and SCF trustees
-
Winner was Care Forum, a charity with a wide-ranging social prescription and information programme in Bristol + S Gloucestershire
Fact sheets
-
Fact Sheets
-
Fundamental offering – focus of interest
-
Begun process of reviewing fact sheets and changing them to a new improved template (recent feedback has been very positive).
-
Fact sheets total 30, 10 of which have been translated into Urdu and 4 were commissioned by the Criminal Justice System especially to support the health of women prisoners.
Funding collaborations
-
NHS Women’s Health directorate – Criminal justice system
-
Produced 4 women’s health fact sheets – lived experience
-
1[st] Pfizer Project
-
Produced 2 new fact sheets (winter wellness and winter health)
-
Translated 10 into Urdu
-
Ran 2 successful webinars
-
Collaborated with Education for Health
-
Completed final report in April 2024
-
2[nd] Pfizer Project
-
Secured funding for research project including a modular repeatable research survey of public and professional at udes to self-care jointly with SCARU
-
Reckitt (Thanks to Trevor for securing this project)
-
Update sore throat fs and use of logo for agreed funding.
This work ensures appropriate reserves and viability.
Collaborations
-
PIF (Patient Information Forum)
-
Suggested by partners PIF to become PIF ticked (work still in progress)
-
PAGB / Self-Care Strategy Group
-
Letter to new Secretary of State for Health
-
“Taking stock of the Government’s delivery plan for recovering primary care: Oneyear-on” review report
-
Learn with Nurses
-
Self-Care for Summer (secured by Helen)
The Sem Care Forum Independent Examinerfs Report for the year ended 31 December 2023 The Charitys trustees a responsib for Ihe preparation of the accounts. The Charrty's trustees consider that an audrt is not required for this year under secbon 144{21 of the Charities Act 2011 (the 2011 Act) and that an independent examin8tMM is ne&Jed. 11 is my responsibilty to-. - examine the accounts under section 145 of the 2011 Act. - follow the prowjures laid down in the general DirectK)ns gwen by the Chanty CommtssK)n under s8ctson 14515)Ib) of the 2011 Act. and . state vthether pa"cUlar matters have to my attention. Basis of Inde endent Examiner's Re ort My examinab'on was carried out in ance with the General DIrlon$ given by the Chanty Commission. An examination includes a revw of accnunb.ng records kept by the charity and 8 comparison of the accoLtnts presented wilh those re¢d$. It also includes consid&ralion of any unusual items of discbsures in the acc(MJnts, and the seeking of explanations from you as trustees conceming any such matters. The procedures Ltndertaken do not provmle 811 the evidence that would be required in an audc and consequenty no ownion is gNen as to whether the accounts present a'true and far viev/. The rep)rt is limii&J to th¢)se matters set wt in the statement below. Inde endent Examiner's Statement In connection my examination. no matter has come to my attention.. - which gives me reasonable cause to beIve that. in any matenal respec( the requirements.. '. to keep accounting ordS In 1rdance wth wtion 130 of the 2011 Act,. and '. to prepare accounts whth accord the aCntsng records and compty wth the accountyng requirement of the 2011 Act, have not teen met,. or - lo whtch, in my opinion. attentK¥) shoukd be drawn in order to enable a proper understanding of the a¢¢ounts lo be reached. Kate Brown Chartered Accountants The Annexe, Rectory Fam Cranford Road Great Addington Northanls NN1448Q l August I24
The Self Care Forum Profit and Loss Account for the year ended 31 Decwnber 2023 2023 2022 InGome 42.417 82.055 Charitable ExFendilure (39,9041 {35,2781 Net In¢omo 2.513 46,777 Funds at beginning of the year Funds at end of the year 49.283 51.796 2,506 49,283
-
Pharmacy
-
Pete and Ade did a webinar for RPS
-
Trev and Ade presented at the pharmacy show
Research
International Self-Care Observatory
-
Arose from an Imperial SC Symposium last year
-
For the first time, building on the SCF President’s obsession =challenged to produce a repository of all major self-care research under one roof
-
People said it couldn’t be done so we did it
-
People said it would be too expensive, so we did it for £250.
-
Wix website – curated by UK and international leaders in self-care research
-
20 different subjects, each curated by a different self-care expert
-
Has been circulated to last year’s attendees and will go live within the next month or so
5 Year Strategy
-
We have developed and completed a 5 Year strategy.
-
Thank you particularly to Mary for creating the excellent plan on a page (a SCF first). This will help us define detailed goals and specific work streams to achieve them.
-
Thank you to Chee Yeen Fung for the suggestion of creating delegation and to Steven for helping define how these committees can work within our constitution.
Name change
- Agreed to add hyphen and change the name of the charity from The Self Care Forum to The Self-Care Forum in keeping with current usage. This required a quorate vote by 75% of attendees at the AGM which was achieved.
Thank you for your hard work - we look forward to another successful year.
Dr Peter Smith OBE MBChB
President, The Self Care Forum
16 July 2024
The Self Care Forum Registered number. Balance Sheet as at 31 December 2023 1167500 2023 2022 Current assets Debtors Cash at bank aThJ in hand 1CNJ 49.313 49,413 51.976 51,976 Credltorn: amounts falllng due withln one ymr (180) (130) Net curront as8ot8 51,796 49.283 Not a88Ot• 51,796 49.283 Charltable Fund8 Net Funds 51.796 49,283 Charftiblo funds 51,796 49,283 The accounts were approved ty the Tntstees and ggnad on rts behalf by.. Helen Donovan Chair Approve(l ty Ihe boaro on 1 August 2024
The Self Care Forum Notes to the Accounts for thè year ended 31 December 2023 2 Accountlng pollcl86 Basi$ of preparntlon The accounts have been prepared under the historical cost convention and in a(rdance FRS 102, The Financial Reporbng Standard applicable fft the UK and Republ of Ireland (as applied to small entiti.es by sectN)n 1A of the standard). 3 Employ•08 2023 Numb•r 2022 Numbgr Average numbèr of persons empw by the company 4 Debtor4 2023 2022 Other debtors 100 S Credttorn: amounts falllng duo wlthln on• yoar 2023 2022 Other credrtors 130 6 Other Infomiatlon The Sew ca Forum is a charity and msted in England. Its principsl pkgC8 of business is.. 31 St Alb8ns Ro&J Kingston UF>on Thames Surrey KT2 5HQ
The Self Care Forum Detailed profit and loss account for the year ended 31 December 2023 This schedule does not form part of Ihe ststutory accy)unts 2023 2022 Incom• 42.417 82.055 Chantsble Exnditre (39,gMI 135,278) Net In¢om• 2,513 46,777 Funds al beginning of the year 49,283 FuDds at end of the y•ar 51.796 49,283
The Self Care Forum Detailed profit and loss account for the year ended 31 Decembar 2023 This schedule does not fom? p8rt of the stalutory 8¢cY)unts 2023 2022 Sal88 Commissions Grants 127 42.290 42.417 250 81.805 82.055 Administrative expenses Charitable Expend¢ture Self Care Week Self Care Best Practice Grant Applications Public Communications Secretarial Pfizer Project Bank Charges Professional Sefwces 850 9,708 1,466 7,126 8.710 7,243 34,241 88 130 34,471 38.893 G8n8ral administralwe expenses.. Insuran Wèbsite I Software 741 270 1,011 707 100 807 39.gYJ4 35,278
Registered Charity Nurnber 1167500 The Self Care Forum Report and Unaudited Accounts 31 December 2023
The Self Care Forum 1167500 Trust. Roport The trustees present thr report and aLuunts for the year ended 31 December 2023. ststus and Prfncipal Obi•cts The Self Care Forum became a regtstered chanty on 6 June 2016. Its obiects are the promobon of publr health ty. al Promob"ng sew care for the public benefiL t*ing Ihe xtions that irnlNiduals take for themselves, on behalf of or wth others in order to devekjp. protect. maintain and improve their heatth, wellbeing and wellness. bl Promoting. de¥ek)ng and provkjing progrdmmes. pract1 tools for discussion and supp)rt for both individuals and organi&70nS to aKJ self re.. cl Promobng the preservabon and prO]0n of indNiduals' health through self care by educab.on and awareness of profess$. praL#ilioners and the general publ, partUlartY young people. in all areas., and dl Promotsng for the public terEfiL the understandry of h6alth literacy inclusive of both $ystem$ and processes to improve rt. Tfust•as Report Plèase nots the folkming 3 pag8s fomi part of the Trustees Rep. Tru$tO08 The following pernons serwed as trustees durirvJ the year. John Chisholm Helen Donovan (Chair) Renata Dnnkwater Austen El-osta Chee Yeen Fung Rhian Last Michelle Howarth Peter Smith Ade Willlams Mary HkSOn Trevor Go Cathenne Walling This POrt was approved by the tthrd on 18 July 2024 and sign•1 by its order. Hèlen Donovan Melell LJUllUVall Chair
2023 Annual President’s report to Trustees
The Self Care Forum goes from strength to strength to the hard work of the whole team including trustees, advisers and management.
Personnel
o Departing trustee
-
Rhian Last stood down. We thank her for all her excellent support and wish j her well.
-
We are grateful to Rob Darracott for his assistance with the handover to Trevor Gore.
o New trustees:
-
Farhana Hawthorn (PAGB)
-
Emma Hyde (Personalised Care institute)
-
Anne Majumdar (Imperial College)
o Lost and gained a treasurer - Trevor Gore – thank you for agreeing.
Today we are looking to increase constitutional numbers to allow all to become trustees and to allow a larger membership group to include adviser and others.
o Self-Care Champions
- Our network of champions has increased to 102.
Website and Online
Website continues to receive large numbers of hits. Thank you to Libby for making it happen.
We are also gaining increasing numbers of likes and attention on LinkedIn.
Thanks to Libby for achieving this.
Looking to increase social media presence and we are now on 4 platforms (LinkedIn, X, FB and Instagram) – all help gratefully received in increasing our reach. A comms group is planned.
Self-Care Week
-
New icon designed by award winning designer, Mark Osborn.)
-
Representatives of all 4 UK countries took part in the launch (on X)
-
We worked with Department of Health in Wales to produce Welsh SCW assets with icon
-
100 schools across Northern Ireland participated in SCW learning about pharmacy awareness and safe use of medicines
-
3,673 fact sheets were downloaded during the Week
-
Approx 1000 organisations and individuals took part across all 4 countries
-
Mental wellbeing is the most popular message promoted during SCW
Self Care Innovation Awards
-
Funding gratefully received from ISF
-
Judges from NHS England, ISF, and SCF trustees
-
Winner was Care Forum, a charity with a wide-ranging social prescription and information programme in Bristol + S Gloucestershire
Fact sheets
-
Fact Sheets
-
Fundamental offering – focus of interest
-
Begun process of reviewing fact sheets and changing them to a new improved template (recent feedback has been very positive).
-
Fact sheets total 30, 10 of which have been translated into Urdu and 4 were commissioned by the Criminal Justice System especially to support the health of women prisoners.
Funding collaborations
-
NHS Women’s Health directorate – Criminal justice system
-
Produced 4 women’s health fact sheets – lived experience
-
1[st] Pfizer Project
-
Produced 2 new fact sheets (winter wellness and winter health)
-
Translated 10 into Urdu
-
Ran 2 successful webinars
-
Collaborated with Education for Health
-
Completed final report in April 2024
-
2[nd] Pfizer Project
-
Secured funding for research project including a modular repeatable research survey of public and professional at udes to self-care jointly with SCARU
-
Reckitt (Thanks to Trevor for securing this project)
-
Update sore throat fs and use of logo for agreed funding.
This work ensures appropriate reserves and viability.
Collaborations
-
PIF (Patient Information Forum)
-
Suggested by partners PIF to become PIF ticked (work still in progress)
-
PAGB / Self-Care Strategy Group
-
Letter to new Secretary of State for Health
-
“Taking stock of the Government’s delivery plan for recovering primary care: Oneyear-on” review report
-
Learn with Nurses
-
Self-Care for Summer (secured by Helen)
The Sem Care Forum Independent Examinerfs Report for the year ended 31 December 2023 The Charitys trustees a responsib for Ihe preparation of the accounts. The Charrty's trustees consider that an audrt is not required for this year under secbon 144{21 of the Charities Act 2011 (the 2011 Act) and that an independent examin8tMM is ne&Jed. 11 is my responsibilty to-. - examine the accounts under section 145 of the 2011 Act. - follow the prowjures laid down in the general DirectK)ns gwen by the Chanty CommtssK)n under s8ctson 14515)Ib) of the 2011 Act. and . state vthether pa"cUlar matters have to my attention. Basis of Inde endent Examiner's Re ort My examinab'on was carried out in ance with the General DIrlon$ given by the Chanty Commission. An examination includes a revw of accnunb.ng records kept by the charity and 8 comparison of the accoLtnts presented wilh those re¢d$. It also includes consid&ralion of any unusual items of discbsures in the acc(MJnts, and the seeking of explanations from you as trustees conceming any such matters. The procedures Ltndertaken do not provmle 811 the evidence that would be required in an audc and consequenty no ownion is gNen as to whether the accounts present a'true and far viev/. The rep)rt is limii&J to th¢)se matters set wt in the statement below. Inde endent Examiner's Statement In connection my examination. no matter has come to my attention.. - which gives me reasonable cause to beIve that. in any matenal respec( the requirements.. '. to keep accounting ordS In 1rdance wth wtion 130 of the 2011 Act,. and '. to prepare accounts whth accord the aCntsng records and compty wth the accountyng requirement of the 2011 Act, have not teen met,. or - lo whtch, in my opinion. attentK¥) shoukd be drawn in order to enable a proper understanding of the a¢¢ounts lo be reached. Kate Brown Chartered Accountants The Annexe, Rectory Fam Cranford Road Great Addington Northanls NN1448Q l August I24
The Self Care Forum Profit and Loss Account for the year ended 31 Decwnber 2023 2023 2022 InGome 42.417 82.055 Charitable ExFendilure (39,9041 {35,2781 Net In¢omo 2.513 46,777 Funds at beginning of the year Funds at end of the year 49.283 51.796 2,506 49,283
-
Pharmacy
-
Pete and Ade did a webinar for RPS
-
Trev and Ade presented at the pharmacy show
Research
International Self-Care Observatory
-
Arose from an Imperial SC Symposium last year
-
For the first time, building on the SCF President’s obsession =challenged to produce a repository of all major self-care research under one roof
-
People said it couldn’t be done so we did it
-
People said it would be too expensive, so we did it for £250.
-
Wix website – curated by UK and international leaders in self-care research
-
20 different subjects, each curated by a different self-care expert
-
Has been circulated to last year’s attendees and will go live within the next month or so
5 Year Strategy
-
We have developed and completed a 5 Year strategy.
-
Thank you particularly to Mary for creating the excellent plan on a page (a SCF first). This will help us define detailed goals and specific work streams to achieve them.
-
Thank you to Chee Yeen Fung for the suggestion of creating delegation and to Steven for helping define how these committees can work within our constitution.
Name change
- Agreed to add hyphen and change the name of the charity from The Self Care Forum to The Self-Care Forum in keeping with current usage. This required a quorate vote by 75% of attendees at the AGM which was achieved.
Thank you for your hard work - we look forward to another successful year.
Dr Peter Smith OBE MBChB
President, The Self Care Forum
16 July 2024
The Self Care Forum Registered number. Balance Sheet as at 31 December 2023 1167500 2023 2022 Current assets Debtors Cash at bank aThJ in hand 1CNJ 49.313 49,413 51.976 51,976 Credltorn: amounts falllng due withln one ymr (180) (130) Net curront as8ot8 51,796 49.283 Not a88Ot• 51,796 49.283 Charltable Fund8 Net Funds 51.796 49,283 Charftiblo funds 51,796 49,283 The accounts were approved ty the Tntstees and ggnad on rts behalf by.. Helen Donovan Chair Approve(l ty Ihe boaro on 1 August 2024
The Self Care Forum Notes to the Accounts for thè year ended 31 December 2023 2 Accountlng pollcl86 Basi$ of preparntlon The accounts have been prepared under the historical cost convention and in a(rdance FRS 102, The Financial Reporbng Standard applicable fft the UK and Republ of Ireland (as applied to small entiti.es by sectN)n 1A of the standard). 3 Employ•08 2023 Numb•r 2022 Numbgr Average numbèr of persons empw by the company 4 Debtor4 2023 2022 Other debtors 100 S Credttorn: amounts falllng duo wlthln on• yoar 2023 2022 Other credrtors 130 6 Other Infomiatlon The Sew ca Forum is a charity and msted in England. Its principsl pkgC8 of business is.. 31 St Alb8ns Ro&J Kingston UF>on Thames Surrey KT2 5HQ
The Self Care Forum Detailed profit and loss account for the year ended 31 December 2023 This schedule does not form part of Ihe ststutory accy)unts 2023 2022 Incom• 42.417 82.055 Chantsble Exnditre (39,gMI 135,278) Net In¢om• 2,513 46,777 Funds al beginning of the year 49,283 FuDds at end of the y•ar 51.796 49,283
The Self Care Forum Detailed profit and loss account for the year ended 31 Decembar 2023 This schedule does not fom? p8rt of the stalutory 8¢cY)unts 2023 2022 Sal88 Commissions Grants 127 42.290 42.417 250 81.805 82.055 Administrative expenses Charitable Expend¢ture Self Care Week Self Care Best Practice Grant Applications Public Communications Secretarial Pfizer Project Bank Charges Professional Sefwces 850 9,708 1,466 7,126 8.710 7,243 34,241 88 130 34,471 38.893 G8n8ral administralwe expenses.. Insuran Wèbsite I Software 741 270 1,011 707 100 807 39.gYJ4 35,278