2024 Trustees Report and Accounts for the Parochial Church Council of Holy Trinity Church Oswestry Reference and Administration Charity name: Holy Trinity Church oswestry Church address: Roft Street, Oswestry, Shropshire Correspondence address: Holy Trinity Church, Roft Street, Oswestry PCC Membership Ex Officio members Vicar Curate Rev Paul Darlington Rev James Weaver (until July 2024} Warden Warden Mr Alistair Nurden (also Treasurer) Mr Mark Elliot Elected members Mrs Alison Elliot, representative on Deanery Synod Mr Malcolm Hubbell, representative on Deanery Synod Mrs Emma Addison, representative on Deanery Synod Mrs Sally Ashwood Mrs Judy Breese Mrs Lydia Cranston Mr Adrian Dyer (from April 20241 Mr Mike Horner Mrs Katie Howard (until April 2024} Bankers: CAF Bank. 25 Kings Hill Ave, Kings Hill, West Malling ME19 4JQ Independent Examiner: Mr Paul Evison. Garner Pugh & Sinclair, 19 Salop Road, Oswestry, SYII 2NR Vicar: Rev Paul Darlington, 29 Balmoral Crescent, Oswestry, SYII 2XQ Registered charity number 1173814. Structure, Governance and Management The Parochial Church Council is a corporate body established by the Church of England. The PCC operates under the Parochial Church Council Powers Measure {1956) as amended, and Church Representation Rule5 that came into effect on I, January 2020, as amended. Holy Trinity registered as a separate charity with the Charity Commission in July 2017, as its annual income was in excess of £lOO,000. st The method of appointment of PCC members is set out in the Church Representation Rules l January 2020. At Holy Trinity the mernbership of the PCC consists of the Vicar, Curate, Church Warden5 and members elected by those members of the congregation who are on the electoral roll of the church. All members of the congregation are encouraged and given opportunity to register on the electoral roll. The trustees of the Charity are aware of the Charity Commission's guidance on public benefit in The Advancement of Religion for the Public Benefit and have had regard to it in their administration of the Charity. The trustees believe that, by promoting the work of the Church of England in the Ecclesiastical Parish of Holy Trinity it helps to promote the whole mission of the Church {pastoral, evangelistic, social and ecumenicall more effectively, within the Ecclesiastical Parish, and that in doing so it provides a benefit to the public by:
Providing facilities for public worship, pastoral care and Spiritual, moral and intellectual development, both for its members and for anyone who wishes to benefit from what the Church offers. and Promoting Christian values and service by members of the Church in and to their communities, to the benefit of individuals and society as a whole. The PCC members are responsible for making decisions on all matters of general concern and importance to the parish including deciding on how the funds of the PCC are to be spent. New members receive initial training into the workings of the PCC. The PCC met six times during the year and average attendance was good. During the year the PCC have continued to keep regular oversight of all matters relating to finance, employment, health and safety, safeguarding, Holy Trinity Primary Academy and issues relating to the church building and its contents. The PCC appointed a Standing Committee comprising Vicar, Church Wardens, Treasurer and a PCC member, which during 2024 was Judy Breese. A Strategy Group, consisting of the staff team and various PCC members and other church members, met during the year to consider different areas of church life, and how they could be improved, each time giving a full report back to the PCC. A Human Resources sub-committee, chaired by a PCC member, has been established to oversee all aspects of the PCC'S employment of staff. This sub-committee have reviewed the staff salaries, making recommendations to the PCC. The PCC are grateful to this sub-committee ft)r all the work they have done. The Standing Committee, on behalf of the PCC, have considered the area of Risk Management, and are satisfied that the Trustees are not being exposed un-necessarily, and will keep this under review in the future. The PCC re-appointed Jenna Middleton in May 2024 as safeguarding officer. The PCC are very grateful to her for all the work that has been done in this area. DBS check5 continue to be made forth05e that need them. The PCC accepted the Diocesan Safeguarding Policy. Issues that have arisen during the year have been dealt with. Objectives and Artivities The primary aim of the PCC is to promote the gospel and to uphold the doctrines of the Church of England. The PCC is committed to enabling as many people as possible to worship at our church and to become part of our parish community at Holy Trinity. The PCC maintains an overview of worship throughout the parish and makes suggestions on how our services can involve the many groups that live within our parish. Our services and worship put faith into practice through prayer, scripture, music and sacrament. To facilitate this work it is important that we maintain the fabric of Holy Trinity Church. The furnishings, furniture and silverware are all in good order. The PCC strives to ensure that activities are available for all ages, and achieves this through Sunday services and children's groups. young people's groups; midweek ladies and home group Bible studies; midweek Bible study at church; preacherfs workshops; mission prayer meetings. Sunday evening prayer meeting; courses for those exploring the Christian faith; informal coffee & chat each month. The PCC are grateful to the large number of church members who give their time on a voluntary basis to help run and lead the various church groups and activities; who undertake prartical tasks to keep the church building and outside areas clean, free of rubbish and functioning; and who help in a variety of ways to help Sunday morning seniices run smoothly. In particular, the PCC are grateful to all those who clean the church on a regular basis. Achievements and Performance The main focus each week is the Sunday morning service at 10am-a Service of the Word and Holy Comtmunion. During this seNice there is a group for children (aged 3-111, called Lighthouse and Mini Lighthouse for under 3s. Attendance varied but there are usually around 144 people in total in attendance1114 adults and 30 children).
As well as our regular service, we enable our church and wider community to celebrate and thank God at the milestones of the journey through life. Through baptism we thank God for the gift of life, in marriage public vows are exchanged with God's blessing and through funeral services friends and family express their grief and give thanks for the life which is now complete in this world and to commend the person into God's keeping. There was I wedding during 2024, 3 adult baptisms 3 young people were baptised and I child. During the year, there were 9 funeral services in church; and 10 funeral services at a crematorium or cemetery. Members of the wider community have joined with church members at the children's Holiday Club in February, when over 100 children spent five days enjoying Champions, an Olympics themed holiday club, overseen by over 80 members of the congregation, adults and teenagers. At Christmas around 200 people joined together for Christmas Cracker Christingle, where the Christma5 Story was explained and everyone enjoyed crafts, games and Christmas food. During the year church members have had opportunities to study God's Word together in small groups or in one-to- one meetings. There have been increasing opportunities on a Sunday for lay preachers and those who may see church leadership as a future option, to gain some valuable experience and training. The PCC were excited but sad to learn that James Weaver, curate, had accepted a new role at a church in Oxford, with a view of establishing a new church plant there possibly in 2026. James, Abi and family left Oswestry in July 2024. The PCC are enormou51y grateful to James for all that he has done during his time at Holy Trinity, for the new initiative5 that he had set up, for his diligent teaching and careful pastoral care. The PCC are also grateful to Abi for her support of James, enabling him to serve the church family as effectively as he did. Church members gave generously towards a parting gift for the Weaver family. The PCC are enormously grateful to Mark Addison, Associate Minister (Youth and Families), for all the great work that is done amongst the children and young people, and training those who help him, especially Susie Kinloch until August 2024, and since then Sam Hodgins. The PCC would also like to thank Rev Andy Cranston for all that he has done during 2024 to support, equip and encourage church members. Under And¢s leadership, anew bereavement ministry team was set up to help support those who have been bereaved. In November, a Sunday afternoon service of remembrance was held for those who had lost a loved one recently, and this was well received by all who attended. During 2024 there was a weekend of teaching and encouragement relating to marriage, and a similar day focussing on singleness, both available to all church members. Both had external speakers and those attending found the input and teaching helpful. The PCC are grateful to Kathryn Chedgzoy for all the various administrative tasks that she undertook to support the clergy, PCC and church members. Holy Trinity was pleased to continue to welcome some Ukrainian familiesto the church during 2024. A weekly'ukraine Welcome, meeting has continued on Thursday afternoons, which is a mixture of chatting, playing, English lessons, short gospel talk and sharing a meal together. The PCC are very grateful to Gill Darlington who oversees this mission work, which is still funded by a grant received in 2022. Other ministry initiatives carried on during 2024, including the monthly Cuppa, Cake & Chat which attracts a number of elderly folk who live locally and for whom this is their sole contact with the church. A number of people who have been coming to Cuppa Cake & Chat have now become regular attendees on a Sunday morning. There ha5 also been a regular pattern of evangelistic courses, which have been well attended and well sUPPOrted by church members. Holy Trinity Primary Academy continued to be supported by the church with the Vicar, Curate and Mark Addison Vi51ting the school, to take an assembly or run the Bible Club. The PCC have been pleased to support the school with donations to the school hardship fund. The PCC receive a regular update on the various school activities and any issues being faced. Plans to open the Holy Trinity Community Hub at the school have been held up by a delay waiting for Shropshire Council to move forwards with regards the future of the building. It is hoped that this will make progress in early 2025. The PCC have been kept updated regarding various matters relating to the church building. There are still unresolved Issues regardingthe roof of the new kitchen, and water ingress. These matters are being pursued with the contractors and architect. The latest Quinquennial Inspection was carried out in March 2024 and the report was issued to all PCC
member5. The electrical installation also has a full 5-year inspettion during 2024. A number of recommendations contained in the Quinquennial report have been attended to, and quotes will be obtained to undertake repairs to the boundary wall and stone entrance pillar. The pillar was made safe at the end of 2024. Other longer term will be kept under review. The fire extinguishers were serviced as usual in November. A Buildings Team has continued to oversee and undertake work to the fabric of the church and the PCC are grateful to those who give of their time and expertise in this way. The PCC spent a lot of time during 2024 discussing and praying about what was happening with the Church of England nationally and were very concerned by the decisions that had been taken by General Synod. The situation within the Oswestry Deanery has continued to give much cause for concern, with limited attempts at any meaningful resolution. The PCC are very grateful to the Church of England Evangelical Council ICEECI forthe work they are doing leading the traditional and evangelical response nationally. The PCC has continued to pay its Common Fund request via the Ephesian Fund. Due to lack of available funds the PCC were unable to pay the full request in 2025. Financial Review The accounts for 2024 have been prepared on a receipts and payments basis. Planned giving amounted to £112,849. This is an increase of £13,796 from 2023. The general expenses of running Holy Trinity remain fairly constant. There was a small surplus for2024 of around £700, but £5,500 of Common Fund request was unpaid. Gift Aid received during the year amounted to £20,522 for the general fund. The PCC are grateful to the generosity of church member5 in giving to support God's work at Holy Trinity. There was an encouraging response to a stewardship campaign in January 2024, from which over £20,00 was either given or pledged. However, as some church members left Holy Trinity during 2024, for a variety of different reasons, and cancelled their monthly donations, this resulted in a reduction of income by around £10,000. The PCC are very encouraged and grateful to God for his continued provision. There is still a big challenge in 2025 to raise sufficient extra funds to break even and to begin to build up reserves. At the end of the year the PCC had a total cash balance of £7,017 held mainly in a CAF Bank account. The PCC has not agreed a reserves policy, which it hopes to do in 2025. Generally sufficient funds are held to cover 3 months, worth of unrestricted payments. Mr Paul Evi50n of Garner Pugh and Sinclair was appointed as Independent Examiner at the APCM in 2024 and the PCC are grateful to him for the work involved in putting the accounts together. Signed on behalf of Holy Trinity Church PCC by Rev Paul Darlington, Chairman. th Date 11 March 2025
THE PAROCHIAL CHURCH COUNCIL OF THE HOLY TRINITY CHURCH, OSWESTRY Registered Charity Number: 1173814 Contents of the FlnancSal Statements for the YeAr Ended 31st December 2024 Page Independent Examiner's Report Statement of Financial Activities Balance Sheet Not¢s lo the Financial Statements 4t08
INDEPENDENT EXAMINER'S REPORT TO THE P.C.C. OF HOLY TRINITY CHURCH OSWESTRY Istered Charit Number: 1173814 Wc report on the accounts for the year ¢nd¢d 31 st December 2024 which are set out on pages 2 to 8. RESPECTIVE RESPONSIBILITIES OF THE P.C.C. AND INDEPENDENT EXAMINER The members of the P.C.C. arc responsible for the preparation of the accounts and consider that an audit is not required for this year under section 144(2) of the Charities Act 2011 (the 2011 Act) and that an indepcndent axamination is needed. It is our responsibility to examin¢ th¢ accounts under section 145 of the 2011 A¢t' follow the procedures laid down in the General Directions given by the Charity Colnmissioners $tIOn 145(5)(b) of thc 2011 Act. and state whether particular matters have come to our attention. BASIS OF INDEPENDENT EXAMINERIS STATEMENT Our examination was caLed out in accordance with the General Directions given by the Charity Commission. An examination includes a review of the accounting re¢ords kept by the P.C.C. and a comparison of th¢ accounts presented with those records. It also includes consideration of any unusual items or disclosures in the accounts, and seeking cxplanations froin the Inanagement cotnmittce concerning any su¢h matters. The procedures undertaken do not provid¢ all the evidence that would be required in an audit, and consequently no opinion is given as to whether thc accounts present a'tnje and fair view, and the report is limited to those matters set out in th¢ next statement. INDEPENDENT EXAMINER'S STATEMENT In connection with our examination, no mallers have come to our attention i) which give us reosonabl¢ ¢8use to believe that in any material respect the requirements to keep a¢counling records in accordance with s.130 of the 2011 A¢t' or to prepar¢ accounts which accord with these accounting records and ¢omply with the accounting requirements of the 201 l A¢1 have not b¢¢n m¢t- or 2) to which, in our opinion, attention should be drawn in order to enable a proper understanding of the ac¢ounts to be reached. Garner ugh & Sin Chartered Account 19 Salop Road Osw¢stry Shropshire SYII 2NR air Is I Ith March 2025 Page I
THE PAROCHIAL CHURCH COUNCIL OF HOLY TRINITY CHURCH. OSWESTRY Statement of Financial Activltles for the Year Ended 31st December 2024 2024 Total Funds 2023 Total Funds See note 7 for full COTnparative UnTestricl¢d Funds Restricted Funds Notes Incoming Resour¢es Donations and Lega¢ies Charitable Activities Oih¢r Trading Activities Investments 2a 2b 2¢ 2d 158,874 1,392 3,782 58 325 159.199 1.392 3.782 58 144,092 4,802 11,407 430 TotAI 164,106 325 164,431 160,731 Resources Expended Charitable Activities 163,404 1,546 164,950 176,653 Total 163,404 1,546 164,950 176,653 Net gainl(losse5) on invcsttnenl Net IncoTne/(Expenditur¢) 702 (1,221) (519) (15.922} Transfer bctwecn Funds 90 (90) Nef movemwit in Funds 792 (1,311) (519) (15,922) Total Funds brought forward (1st Jan) 6.225 1,861 8.086 24.008 Total Funds carrled forward (31st Dec) 7.017 550 7.567 8,086 Page 2
THE PAROCHIAL CHURCH COUNCIL OF HOLY TRINITY CHURCH, OSWESTRY Statement of Assets and Llabilities At 31st Decetnber 2024 2024 Total Funds 2023 Total Funds Notes Current Assets Bank current accounts Bank deposit accounts 7,553 14 7.194 892 TOTAL NET ASSETS 7,567 8.086 Parish Funds Unrcstrictcd Funds - General Restricted Funds 7.017 550 6,225 1,861 TOTAL FUNDS 7,567 8.086 The financial statements were approved by the Parochial Church Council on I Ith March 2025 and were signed on its behalf by: Rev Paul Darlington- Chainnan Alistair Nurdcn - Treasurer The attached notes form part of these financial statements Page 3
THE PAROCHIAL CHURCH COUNCIL OF HOLY TRINITY CHURCH, OSWESTRY Notes to the Financial Statements for the Year Ended 315t December 2024 l Accountin Policies The financial statements have been prepared IT) accordance with the Statement of Recommended Practice for Charities (SORP) and applicable accounting standard FRS102. The financial statements have been prq)ared under the historical ¢ost ¢onv¢ntion. Th¢ financial stal¢m¢nts in¢lude all transactions, assets and liabilities for which thc PCC is responsible in law. They do not in¢lude th¢ aecounts of ehur¢h groups that owe thcir main affiliation to another body nor those that are infrirn)al gatherings of Church members. Cash Flow Statement The Charity has taken advantage of the exemption in FRS102 from the requirement to produce a cash flow statement on the grounds that the income does not exceed £500,000. Descri tiOD of Funds Restricted funds comprise of two elcments'.- a) income from trusts or endowments which may be expended only on those restricted objects provided in the tems of the trust or bequest. b) donations or grnnts received for a specific object or invited by the PCC for a specific object. The funds may only be expended on the specific object for which they were given. Any balance remaining unspent at the end of each yvdr must be carried forward as a balancc on that fund. Th¢ PCC do¢s not usually invest separately for each fund. Where there is no separate investment, interest is apportiond to individual funds on 8n average balance basis. Unrestricted funds arc income funds which ar¢ to be spent on the PCC'S general purpose. In¢omln Resources Plannd giving. collections and donations are CogniSed when re¢eiv¢d. Tax refunds are recognised when the incoming resource to which they relate is received. Grants and Lega¢i¢s ar¢ accounted for when the PCC is legally entitled to the amounts due. Dividends are accountcd for whcn receivable, interest is accrued. All other income is recognised when it is receivabl¢. All incoming resourccs ar¢ accounted for gross. Resources Ex ended Grants and donations are accounted for when paid ovcr, or when awarded, if that award creates a binding or constructive obligation on the PCC. The diocesan parish share is accounted for when due. Amounts received specifically for mission are dealt with as Yestrtcted funds. All other cxpenditure is generally recognised when it is incurred and is accounted for gross. Fixed Asset5 Consecrated and Benefice Propety is not included in the accounts in accordance with s.10 (2) ( a ) & ( C ) of the Charities Act 2011. Movable church furnishings held by the Vicar and Churchwardens on special trust for th¢ PCC and which require a faculty for disposal are inalienable property, listed in the Church'5 inventory, which can be inspected (at any reasonablc timc). For anything aqUIr prior to 2000 there is insufficient cost inforniation available and therefore such assets are not valued in th¢ financial statements. Subsequcntly no individual item has cost more than £l.000 so all such eXpditUre has be¢n writl¢n off when incurred. Pagc 4
THE PAROCHIAL CHURCH COUNCIL OF HOLY TRINITY CHURCH, OSWESTRY Notes to the Financial StAtements- continued for the Year Ended 31st December 2024 INCOME AND ENDOWMENTS FROM: 2024 Total Funds 2023 Total Funds Unrestri¢ted Funds Restricted Funds 2a Donatlons and Legacies Voluiirary IneoiHeJReceipls Tax efficient planned giving Collections at services All other giving and voluntary rcccipts in¢luding special appeals Gift Aid rccovcred Legacies 112.849 275 113,124 96.482 2.621 25,254 20,522 249 50 25,304 20,522 249 25.168 19.821 158,874 325 159.199 144.092 A) Analysis of all other glving and voluntary receipts including speclal appeals Donations - Sundry- Unrestri¢t¢d Donations - Sundry- Restricted Grants- Unrestriclcd 50 25.249 25,304 2b Charitable Activities Churcli Activilies Statutory Fees (retained by PCC) 1,392 1,392 4,802 1.392 1,392 4.802 2c Other Trading Activitie5 Activitiesfor Geiieyaliiig Funds Church Hire Sundry Receipts 890 2.892 890 2.892 2.190 9,217 3,782 3,782 11,407 2d Investments Bank Inl¢r¢st 58 58 430 TOTAL 164,106 325 164.431 160,731 Page 5
THE PAROCHIAL CHURCH COUNCIL OF HOLY TRINITY CHURCH, OSWESTRY Notes to the Fininciil Statements- continued for the Year Ended 31st December 2024 EXPENDITURE ON: 2024 Total Funds 2023 Total Funds Unrestricted Funds Restricted Funds 3 ChArit&ble Activities Churcli Aclivilie5 Mission giving and donations Diocesan parish share Salaries/Wages Clergy and staff expenses 8,500 38,557 82,266 3.419 8,500 38,557 82.266 3,419 8,988 42,095 76,132 3.244 Church Expeiises Church running expenses Church utility bills Cost of trading 5,976 12,964 11.314 5,976 12,964 12,860 4,425 11,532 22,024 1,546 Major Capital Expendilure Major Repairs to the Church 8.213 Goveriiaiiee Costs 408 408 163,404 1.546 164,950 176,653 TOTAL 163,404 1.546 164,950 176,653 4 STAFF COSTS 2024 2023 Salaries 82,266 76,132 During the year the PCC employ an Associal¢ Minister, a Ministry Trainee, an Administrator and an Asswiate Vicar. There were no transactions made in resp¢ct of PCC Members, no PCC Manber re¢eiv¢d benefit, or reimbursement of travelling or other expens¢s. Page 6
THE PAROCHIAL CHURCH COUNCIL OF HOLY TRINITY CHURCH, OSWESTRY Notes to the Flnancial Statements- continued for the Year Ended 31st December 2024 5 ANALYSIS OF NET ASSETS General Unrestricted Funds Restricted Funds Total Fixed Assets Investments Assets Current Assets Current Liabilities 7,017 550 7,567 7.017 550 7,567 6 FUNDS RECONCILIATION Rescrves at 1.1.24 Incoming Resources Resourccs Transfer Reserves Expcnded Between Funds at 31.12.24 Unrestricted Funds General Fund 6,225 164,106 (163,404) 90 7,017 Restricted Funds Donations 1,861 1.861 325 325 (1,546) (1.546) (90) (90) 550 550 TOTAL FUNDS 8,086 164,431 (164,950) 7.567 Nel mov¢m¢nt in funds. included in the above are as fr*llows'. Incoming Rcsources Resoue$ Expended Gains and IA)sses Movement in Funds Unrestricted Funds General Fund 164,106 (163.404) 702 Restricted Fund5 325 325 (1,546) (1,546) (1,221} (1.221) TOTAL NET MOVEMENT IN FUNDS 164,431 (164.950) (519) Page 7
THE PAROCHIAL CHURCH COUNCIL OF HOLY TRINITY CHURCH, OSWESTRY Notes to the Financial Statements- contlnued for the Year Ended 31st December 2024 7 STATEMENT OF FINANCIAL ACTIVITIES COMPARATIVES (PREVIOUS YEAR) 2023 Total Funds Unrestricted Funds Restricted Funds Incoming Resources Donations and Legacies Charitable Activities Other Trading Activities Investments 144,042 4,802 11,407 430 50 144,092 4,802 11,407 430 Total 160,681 50 160,731 Resources Expended Raising Funds Charitable Activities Other 175.862 791 176.653 Total 175.862 791 176,653 Net gainl(losses) on investment Net In¢omel(Expenditure) (15.181) (741) (15,922) Transfer between Funds Net ifriovemient in Fuiids (15.181) (741) (15,922) Total Funds brought forward (1st Jan) 21,406 2.602 24.008 Total Funds carried forward {31st Dec) 6,225 1.861 8,086 Page 8
INDEPENDENT EXAMINER'S REPORT TO THE P.C.C. OF HOLY TRINITY CHURCH OSWESTRY Re Istered Chari Number: 1173814 ort on the OUntS for the year ended 31 st December 2024 which are set out on pages 2 to 8. SPECTIVE RESPONSIBILITIES OF THE P.C.C. AND INDEPENDENT EMMINER The metnbers of the P.C.C. are responsible for thc pr¢p8ration of the accounts and consider that an audit is not required for this year under section 144(2) of thc Charities Act 2011 (the 2011 Act) and that an independeni examination is needed. It is our responsibility to examine the accounts undcr section 145 of the 2011 A¢t" follow the procedures laid down in the Gencral Directions givcn by the Charity Commissioners section 145(5Kb) of thc 2011 Act. and state whether particular matters have come to our attention. BASIS OF INDEPENDENT EXAMINER'S STATEMENT Our examination was carried out in accordance with the Genwal DIrtionS given by the Charity Commission. An ¢xaminatlOD includes a review of thc accounting records kcpt by the P.C.C. and a comparison of thc ac¢ounts presenied with those records. It also includcs consideration of any unusual items or di%losures in the accounts, and seeking explanations from the managcment committee concerning any such matters. Th¢ procedures undertakcn do not providc all the evidcncc that would be required in an audit. and conscqucntly no opinion is givcn as io whether the accounts present a'tru¢ and fair vicw, and the report is limited to those matters set out in the next stat¢m¢nt. INDEPENDENT EXAMINER'S STATEMENT In connection with our examination, no tnatters have come to our attention i) which give us reasonable caus¢ to believe that in any mat¢rial respect th¢ rwuirements to keq) accounting records in accordancc with s.130 of the 201 l Act; or to prepaTC accounts which accord with these accounting records and comply with the accounting requirements of th¢ 2011 Act have not been met. or 2) to which, in our opinion, attention should bc drawn in order to enable a proper understanding of the accounts to be reached. /kil (iarner Pugh Chartered Acc 19 Salop Road Oswestry Shropshire SYI12NR Sinclair untants I lth Mar¢h 2025 Page I