## **ACTION GUINEA BISSAU** 

Charity registration no. 1189956 

## **FINANCIAL STATEMENTS** 

**FOR THE 12 MONTH PERIOD 1 APRIL 2022 TO** 



) 31 MARCH 2023

## **ACTION GUINEA BISSAU** 

## **CHARITY INFORMATION** 

|Trustees|Michelle Helena Ruas|
|---|---|
||Linda Jane Ruas|
||Matthew David Palmer|
|Incorporation date|CIO registration from 15 June 2020|
|Charity registration no.|1189956|
|Registered ofce|18 Borkwood Park|
||Orpington, Kent|
||BR6 9LD|
||Recognised by HMRC for gift aid|
|Auditors|None|
|Charitable object||



THE PREVENTION OR RELIEF OF POVERTY OR THE PROVISION OF EDUCATION, TRAINING, HE ENABLE INDIVIDUALS TO GENERATE A SUSTAI 



(Appointed 26 May 2020) (Appointed 26 May 2020) (Appointed 26 May 2020) 

FINANCIAL HARDSHIP IN GUINEA BISSAU BY PROVIDING OR ASSISTING IN EALTHCARE PROJECTS AND ALL THE NECESSARY SUPPORT DESIGNED TO INABLE INCOME AND BE SELF-SUFFICIENT. 



## **ACTION GUINEA BISSAU** 

## **CONTENTS** 

Trustees' report 

Statement of financial activities 

Balance Sheet 

Notes to the financial statements 

Transaction details 

Sector breakdown 



Page

Charity registration no. 1189956 **TRUSTEES' REPORT FOR THE 12 MONTH PERIOD 01 APRIL 2022 to 31 MARCH 2023** 

## **ACTION GUINEA BISSAU** 

The trustees present their report and financial statements for the year endin 

## **Principal activities** 

The principal activity of the charity is providing grants for prevention or relie Purposes of the charity as set out in its governing document: THE PREVENTIO ORGANISATIONS WORKING TO PREVENT OR RELIEVE POVERTY. 

IN ADDITION, THIS CAN BE, BUT IS NOT LIMITED TO: The advancement of ed 

Summary of the main activities (photographic and short video evidence on o Main projects for this tax year have been:building a new primary school in N that runs short vocational courses. 

## **Contribution made by volunteers:** 

All our AGB projects (except construction eg. roof / school / well / toilet repai Guinea-Bissau have worked voluntarily with us eg. Mariza / Sidu for menstru 

## **Summary of main achievements, identifying the difference the char** 

This last year we have focussed more on big construction works, repairing a and health issues of our managers), some of these projects have not been c hours to school or study in the makeshift teaching area under a tree. The oth 

We have continued to provide sponsorship money to enable women to study Other projects this year include providing much needed desks for a seconda health products company SAALT. These period pants, which teenage girls in 2 or 3 of the trustees are planning to visit Guinea Bissau in April 2024 to che 

## **ACTION GUINEA BISSAU** 

Charity registration no. 1189956 

## **TRUSTEE'S REPORT** 

## **FOR THE 12 MONTH PERIOD 01 APRIL 2022 to 31 MARCH 2** 

## **Financial review** 

At the end of March 2022, AGB was in a healthy financial position, with a tot Trustees withdraw and send money to our managers in Bissau as soon as pr Trustees agreed to keep £2000 from June 2021) as reserve fund in a separat No deficit. 



## **Charity’s principal sources of funds:** 

AGB has raised money from fundraisers, as detailed on our webpage: https:/ Oakley has raised funds through selling dresses and plants; and we now hav build a school in Nhacra in memory of one of the consultants' parents. 

## **Structure, Governance and Management:** 

Governing document is a Constitution 

The charity is a CIO – Charitable Incorporated Organisation The original 3 trustees formed the charity in 2020. No further trustees select 

Approved by the trustees on 07th January 2024 : 

Trustee: Matthew Palmer 

Trustee: Michelle Ruas 



ng 31 March 2023. 

ef of poverty in Guinea-Bissau. 

ON OR RELIEF OF POVERTY IN GUINEA-BISSAU BY PROVIDING: GRANTS, ITEM 

ucation, the advancement of health, the advancement of environmental pro 

our AGB website in the blogs and project gallery: https://www.actionguineabi Nhacra; roof repairs for schools in Farim, Catio and Bubaque;  scholarships for 

ir, where we pay local rates) are conducted by volunteers. The trustees are w uation project, Natcha for Creole books, ELTA-GB for internet education confe 

## **rity’s work has made to the circumstances of its beneficiaries and so** 

nd building schools: in Nhacra, near Bissau; in Catio; in Farim; and in Bubaqu ompleted yet. The Nhacra school (very generously funded by Armah Consult her school repairs are almost complete and will provide much needed schoo 

y at university, and girls to continue studying at school. We have also helped ary school in Bissau, building an extension to a primary school in Bissau, and Bissau are now receiving regularly, have really helped girls continue to go to eck on the construction projects and girls / women receiving scholarships, an 

tal of £27,314.40 received in the year since April 2021, and £27,422.98 sent rojects are approved, to make use of the money as soon as possible. There a te Savings Account, especially to ensure money is available in future years t 

**2023** 



//www.actionguineabissau.org.uk/fundraisers - - including a very successful f ve several regular donors (some of which are CAF work-based donations and 

ted so far. 

Trustee : Linda Ruas 



MS AND SERVICES TO INDIVIDUALS IN NEED AND/OR CHARITIES, OR OTHER 

tection / improvement, developing educational programmes for schools 

ssau.org.uk/project-gallery): 

r females to study at university, at secondary schools, at primary schools, an 

working voluntarily, as are the managers, Ali Djau and Bacar Djau in Bissau. O erence 

## **ociety:** 

ue. Due to several complications (the attempted coup / political instability, ri tants) is now completed  and running, so the local children no longer have to l facilities for local children in several areas. 

d girls study at short professional courses in Bissau, helping them get jobs aft continued with the menstrual health products, working with the generous m o school while they have their period. d research further needs. 

to Guinea-Bissau for projects, leaving a small negative balance of minus £10 re more fundraising events planned to bring in further income for the followi o continue the university scholarships for women. 



fundraising event and AGB raffle by trustee Michelle Ruas in August 2022. Als show in our account as PayPal). Armah Consultants very generously donated 



nd at a college Others in sing costs, o walk for ter school. menstrual 

08.58 . ng year. 



so, Dorota
£10,000 to

## **ACTION GUINEA BISSAU** 

Charity registration no. 1189956 

## **STATEMENT OF FINANCIAL ACTIVITIES** 

## **FOR THE 12 MONTH PERIOD 01 APRIL 2022 to 31 MARCH 2023** 

|**Incoming resources**<br>Donations received<br>Fundraising events<br>Gift aid claims<br>**Resources expended**<br>Cost of generating funds / Fundraising<br>Fees<br>Governance costs<br>Charitable activities :<br>Education<br>Construction<br>Community||**12 months ended**<br>**2023**<br>**(£)**|
|---|---|---|
|||£            27,314.40|
|||£            20,752.24|
|||£              5,212.46|
|||£              1,349.70|
||||
|||£            27,422.98|
|||£              1,580.98|
|||£                      -|
|||£                         -|
||||
|||£            25,842.00|
||£             4,446.00<br>£           21,274.00<br>£                122.00|<br> <br>|



## **Net (outgoing) / incoming resources** 

-£              108.58 



## **ACTION GUINEA BISSAU** 

Charity registration no. 1189956 

## **BALANCE SHEET** 

## **AS AT 31 MARCH 2023** 

|**Notes**<br>**ASSETS**<br>Savings account<br>Current account<br>Investments<br>**TOTAL ASSETS**<br>**LIABILITIES**<br>Creditors amounts falling due within one year<br>**TOTAL LIABILITIES**<br>**NET ASSETS / (LIABILITIES)**<br>**CHARITY FUNDS**<br>Restricted income funds<br>Unrestricted income funds<br>**TOTAL CHARITY FUNDS**|**2023**<br>**(£)**<br>£   2,006.43<br>£   2,805.00<br>£             -|
|---|---|
||£   4,811.43<br>£             -|
||£             -|
||£   4,811.43|
||£             -|
||£   4,811.43|
|||
||£   4,811.43|





## Date 

5/3/2022 

5/9/2022 

5/18/2022 5/19/2022 5/24/2022 5/26/2022 5/30/2022 5/31/2022 

6/1/2022 6/6/2022 6/7/2022 

6/14/2022 6/20/2022 6/21/2022 6/27/2022 6/30/2022 

7/1/2022 7/5/2022 

7/7/2022 7/7/2022 7/8/2022 7/8/2022 7/11/2022 7/12/2022 7/13/2022 7/25/2022 7/25/2022 7/27/2022 7/28/2022 8/1/2022 8/1/2022 8/3/2022 8/4/2022 8/5/2022 8/8/2022 8/9/2022 8/9/2022 8/11/2022 8/12/2022 



8/15/2022 8/15/2022 8/16/2022 8/16/2022 8/16/2022 8/17/2022 8/19/2022 8/19/2022 8/19/2022 8/19/2022 8/22/2022 8/23/2022 8/25/2022 8/26/2022 8/30/2022 8/30/2022 8/31/2022 

8/31/2022 

9/1/2022 9/2/2022 9/2/2022 9/5/2022 9/6/2022 9/6/2022 9/14/2022 9/15/2022 9/20/2022 9/23/2022 9/27/2022 9/27/2022 9/29/2022 10/3/2022 10/3/2022 10/4/2022 10/12/2022 10/17/2022 10/21/2022 10/25/2022 10/27/2022 10/28/2022 10/31/2022 11/1/2022 11/1/2022 11/8/2022 11/15/2022 11/17/2022 11/22/2022 



11/25/2022 11/28/2022 11/30/2022 12/1/2022 12/1/2022 12/1/2022 12/8/2022 12/13/2022 12/20/2022 12/28/2022 12/29/2022 1/3/2023 1/3/2023 1/26/2023 1/30/2023 1/31/2023 2/1/2023 2/27/2023 2/28/2023 3/1/2023 3/2/2023 3/27/2023 3/30/2023 



## Details 

EDYTA GURGUL Edyta 

AMAZON EUROPE CORE-231048-04982601 447845-AMAZON EUROPE CORE-&--&-4599954365556837 PAYPAL PPWDL5A722223ZS43E 

Ms Linda J Ruas Domingosvocational 

HMRC CHARITIES-201147-53938492 284390-HMRC CHARITIES-&--&-ZD11109 

CAFGYE11000787502-603006-90284941 981985-CAFGYE11000787502-&--&-GYE11000787502 

CAF2205251775CF-603006-90284941 981985-CAF2205251775CF-&--&-2205251775CF 

JUSTGIVING 2566754 ACTION GUI 

## EDYTA GURGUL Edyta 

JUSTGIVING 2619676 ACTION GUI 

Ms Linda J Ruas Alischol 

JUSTGIVING 2641619 ACTION GUI JUSTGIVING 2643119 ACTION GUI 

JUSTGIVING 2653125 ACTION GUI 

CAFGYE11000787502-603006-90284941 981985-CAFGYE11000787502-&--&-GYE11000787502 

CAF2206274968CF-603006-90284941 981985-CAF2206274968CF-&--&-2206274968CF 

EDYTA GURGUL Edyta 

JUSTGIVING 2661368 ACTION GUI 

Mr M D Palmer Bacar 

Wise Sweatcoin Donation Michelle Ruas AGB fundraiser 

Ms Linda J Ruas Ali etc 

JUSTGIVING 2668906 ACTION GUI JUSTGIVING 2687842 ACTION GUI MS L J RUAS LINDA MONTHLY DON JUSTGIVING 2699153 ACTION GUI 

Ms Linda J Ruas ALINHACRA 

CAFGYE11000787502-603006-90284941 981985-CAFGYE11000787502-&--&-GYE11000787502 CAF2207254832CF-603006-90284941 981985-CAF2207254832CF-&--&-2207254832CF JUSTGIVING 2711195 ACTION GUI 

EDYTA GURGUL Edyta 

Ms Linda J Ruas Aliprimaryschol 

CAF22080149400CF-603006-90284941 981985-CAF22080149400CF-&--&-22080149400CF PAYPAL PPWDL5A7222242WAH4 

JUSTGIVING 2714467 ACTION GUI JUSTGIVING 2729329 ACTION GUI Rampage Studio Lim 0092 Ms Linda J Ruas Alidesks PAYPAL PPWDL5A7222252JNL6 



JUSTGIVING 2727034 ACTION GUI PAYPAL PPWDL5A722223ZP2VU 

Ms Linda J Ruas AliBubaque THE IT CLOUD LONDON LTD donation 

AMAZON EUROPE CORE-231048-04982601 447845-AMAZON EUROPE CORE-&--&-7376796338884776 MS RUAS AGB DONATION 

RUAS MH/2018 RAFFLE PRIZE Michelle Ruas fundraisercosts Michelle Ruas AGBraffleprizes RUAS MH/2018 FUNDRAISER CASH 22 JUSTGIVING 2740634 ACTION GUI 

EASY FUNDRAISING-200585-93740420 277824-EASY FUNDRAISING-&--&-263987 Q2 2022 CAFGYE11000787502-603006-90284941 981985-CAFGYE11000787502-&--&-GYE11000787502 Mr M D Palmer Bacar school 

JUSTGIVING 2767754 ACTION GUI JUSTGIVING 2751338 ACTION GUI ARMAH CONSULTANTS AGB ARMAH SCHOOL CAF2208251778CF-603006-90284941 981985-CAF2208251778CF-&--&-2208251778CF EDYTA GURGUL Edyta Mr M D Palmer Ali farim school 

Mr M D Palmer Nhacra payment 1 JUSTGIVING 2761423 ACTION GUI JUSTGIVING 2782789 ACTION GUI 

Ms Linda J Ruas 3x6mnthschols 

Ms Linda J Ruas Aliriceschol Mr M D Palmer 1stpaymentBacar MS RUAS AGB DONATION 

Ms Linda J Ruas Bacarprimarysch 

ARMAH CONSULTANTS AGB ARMAH SCHOOL 

CAFGYE11000787502-603006-90284941 981985-CAFGYE11000787502-&--&-GYE11000787502 CAF2209263478CF-603006-90284941 981985-CAF2209263478CF-&--&-2209263478CF 

ARMAH CONSULTANTS AGB ARMAH SCHOOL 

EDYTA GURGUL Edyta Ms Linda J Ruas Armah2and3 JUSTGIVING 2844944 ACTION GUI 

MS RUAS AGB DONATION ARMAH CONSULTANTS AGB ARMAH SCHOOL 

Ms Linda J Ruas Aliunischols 

CAFGYE11000787502-603006-90284941 981985-CAFGYE11000787502-&--&-GYE11000787502 

CAF22102544063CF-603006-90284941 981985-CAF22102544063CF-&--&-22102544063CF JUSTGIVING 2825410 ACTION GUI 

Michelle Ruas bottleforNick 

EDYTA GURGUL Edyta 

Card Purchase UK560022318 

AMAZON EUROPE CORE-231048-04982601 447845-AMAZON EUROPE CORE-&--&-9788688444649487 Card Purchase UK664161918 

JUSTGIVING 2910680 ACTION GUI 



CAFGYE11000787502-603006-90284941 981985-CAFGYE11000787502-&--&-GYE11000787502 JUSTGIVING 2884834 ACTION GUI 

CAF2211251787CF-603006-90284941 981985-CAF2211251787CF-&--&-2211251787CF EDYTA GURGUL Edyta EDYTA GURGUL Edyta EDYTA GURGUL Edyta PAYPAL PPWDL5A7222232Q496 Card Purchase UK906101218 JUSTGIVING 2951230 ACTION GUI JUSTGIVING 2935570 ACTION GUI CAFGYE11000787502-603006-90284941 981985-CAFGYE11000787502-&--&-GYE11000787502 EDYTA GURGUL Edyta CAF2212288911CF-603006-90284941 981985-CAF2212288911CF-&--&-2212288911CF CAFGYE11000787502-603006-90284941 981985-CAFGYE11000787502-&--&-GYE11000787502 CAF2301251922CF-603006-90284941 981985-CAF2301251922CF-&--&-2301251922CF AMAZON EUROPE CORE-231048-04982601 447845-AMAZON EUROPE CORE-&--&-7439994875338549 EDYTA GURGUL Edyta JUSTGIVING 3047555 ACTION GUI JUSTGIVING 3057009 ACTION GUI EDYTA GURGUL Edyta 



## Transaction Type 

Inward Payment 

BACS Payment Received Inward Payment 

Outward Faster Payment BACS Payment Received BACS Payment Received BACS Payment Received Inward Payment Inward Payment Inward Payment Outward Faster Payment Inward Payment Inward Payment Inward Payment BACS Payment Received BACS Payment Received Inward Payment Inward Payment 

Outward Faster Payment Inward Payment Outward Faster Payment Outward Faster Payment Inward Payment Inward Payment Inward Payment Inward Payment Outward Faster Payment BACS Payment Received BACS Payment Received Inward Payment Inward Payment Outward Faster Payment BACS Payment Received Inward Payment Inward Payment Inward Payment Inward Payment Outward Faster Payment Inward Payment 



Inward Payment Inward Payment Outward Faster Payment TRANSFER BACS Payment Received Inward Payment Inward Payment Outward Faster Payment Outward Faster Payment Inward Payment Inward Payment BACS Payment Received BACS Payment Received Outward Faster Payment Inward Payment Inward Payment Inward Payment BACS Payment Received Inward Payment Outward Faster Payment Outward Faster Payment Inward Payment Inward Payment Outward Faster Payment Outward Faster Payment Outward Faster Payment Inward Payment Outward Faster Payment Inward Payment BACS Payment Received BACS Payment Received Inward Payment Inward Payment Outward Faster Payment Inward Payment Inward Payment Inward Payment Outward Faster Payment BACS Payment Received BACS Payment Received Inward Payment Outward Faster Payment Inward Payment Card Transaction BACS Payment Received Card Transaction Inward Payment 



BACS Payment Received Inward Payment BACS Payment Received Inward Payment Inward Payment Inward Payment Inward Payment Card Transaction Inward Payment Inward Payment BACS Payment Received Inward Payment BACS Payment Received BACS Payment Received BACS Payment Received BACS Payment Received Inward Payment Inward Payment Inward Payment Inward Payment BACS Payment Received BACS Payment Received BACS Payment Received 



|Category|In||Out||
|---|---|---|---|---|
|Personal Donations||30|||
|Business Donations||27.16|||
|Personal Donations||1319.16|||
|Education||||425|
|Gift Aid||1349.7|||
|Personal Donations||265.32|||
|Personal Donations||25|||
|Fundraisers||24.09|||
|Personal Donations||30|||
|Fundraisers||102.8|||
|Construction||||730|
|Fundraisers||24.94|||
|Fundraisers||126.93|||
|Fundraisers||30.87|||
|Personal Donations||265.32|||
|Personal Donations||25|||
|Personal Donations||30|||
|Fundraisers||307.99|||
|Construction||||911|
|Business Donations||413.89|||
|Fundraising||||500|
|Education||||608|
|Fundraisers||269.51|||
|Fundraisers||3.89|||
|Personal Donations||100|||
|Fundraisers||126.9|||
|Construction||||616|
|Personal Donations||265.32|||
|Personal Donations||25|||
|Fundraisers||162.58|||
|Personal Donations||30|||
|Education||||496|
|Personal Donations||100|||
|Personal Donations||247.48|||
|Fundraisers||453.92|||
|Fundraisers||52.42|||
|Business Donations||94.4|||
|Education||||1000|
|Personal Donations||324.33|||





|Fundraisers|778.53||
|---|---|---|
|Personal Donations|940.04||
|Construction||2381|
|Business Donations|2500||
|Business Donations|14.26||
|Personal Donations|100||
|Fundraisers|94||
|Fundraising||478.58|
|Fundraising||507.4|
|Fundraisers|647||
|Fundraisers|1414.52||
|Fundraisers|16.69||
|Personal Donations|265.32||
|Construction||977|
|Fundraisers|3.56||
|Fundraisers|233.22||
|Business Donations|4000||
|Personal Donations|25||
|Personal Donations|75||
|Construction||2000|
|Construction||4000|
|Fundraisers|137.72||
|Fundraisers|23.75||
|Education||255|
|Community||122|
|Construction||2049|
|Personal Donations|100||
|Education||572|
|Business Donations|2000||
|Personal Donations|40.32||
|Personal Donations|25||
|Business Donations|2000||
|Personal Donations|75||
|Construction||4000|
|Fundraisers|5.94||
|Personal Donations|100||
|Business Donations|2000||
|Education||1090|
|Personal Donations|490.32||
|Personal Donations|25||
|Fundraisers|24.32||
|Fundraising||20|
|Personal Donations|75||
|Construction||2016|
|Business Donations|23.14||
|Construction||542|
|Fundraisers|3.8||





|Personal Donations||40.32||
|---|---|---|---|
|Fundraisers||49.43||
|Personal Donations||25||
|Fundraising|||75|
|Personal Donations||75||
|Personal Donations||75||
|Personal Donations||783.68||
|Construction|||1052|
|Fundraisers||7.12||
|Fundraisers||48.45||
|Personal Donations||490.32||
|Personal Donations||75||
|Personal Donations||25||
|Personal Donations||40.32||
|Personal Donations||5||
|Business Donations||16.82||
|Personal Donations||75||
|Fundraisers||30.21||
|Fundraisers||7.36||
|Personal Donations|£|75.00||
|Personal Donations|£|5.00||
|Personal Donations|£|450.00||
|Personal Donations|£|5.00||





## Balance 

2943.58 2970.74 4289.9 3864.9 5214.6 5479.92 5504.92 5529.01 5559.01 5661.81 4931.81 4956.75 5083.68 5114.55 5379.87 5404.87 5434.87 5742.86 5245.75 6156.75 4137.75 4637.75 4407.26 4411.15 4511.15 4022.05 3895.15 4287.37 4312.37 4504.95 4342.37 4008.95 4108.95 4356.43 4810.35 4957.17 4904.75 3957.17 4281.5 



6000.07 5221.54 6133.33 8514.33 6014.33 6233.33 5988.35 5894.35 6372.93 6880.33 7402.87 7419.56 7684.88 6707.88 6944.66 6941.1 10969.66 6969.66 11044.66 5044.66 7044.66 5182.38 4951.13 4927.38 4829.13 2780.13 2880.13 2308.13 4348.45 2348.45 4373.45 6448.45 4448.45 2448.45 2454.39 2554.39 4554.39 3464.39 3954.71 3979.71 4004.03 4059.03 4079.03 2043.03 2066.17 1524.17 1527.97 



1568.29 1617.72 1642.72 1717.72 1792.72 1717.72 2501.4 1449.4 1456.52 1504.97 1995.29 2095.29 2020.29 2135.61 2140.61 2157.43 2232.43 2262.64 2270 £               2,345.00 £               2,350.00 £               2,800.00 £               2,805.00 



|Totals|Totals|
|---|---|
|Total In:<br>Total Out:|£                  27,314.40|
||£             27,422.98|
|||
|Categories Out||
|Education<br>Construction<br>Community<br>Fundraising|£               4,446.00<br>£             21,274.00<br>£                  122.00<br>£               1,580.98|
||£             27,422.98|



|£             27,422.98|£             27,422.98|
|---|---|
|Categories In||
|Fundraisers<br>Personal Donations<br>Business Donations<br>Gift Aid|£               5,212.46<br>£               7,662.57<br>£             13,089.67<br>£               1,349.70|
||£             27,314.40|





|Details|Transaction Ty|
|---|---|
|4/29/2022|Credit Interest|
|5/31/2022|Credit Interest|
|6/30/2022|Credit Interest|
|7/29/2022|Credit Interest|
|8/31/2022|Credit Interest|
|9/30/2022|Credit Interest|
|10/31/2022|Credit Interest|
|11/30/2022|Credit Interest|
|12/30/2022|Credit Interest|
|1/31/2023|Credit Interest|
|2/28/2023|Credit Interest|
|3/31/2023|Credit Interest|





|Out|Balance|
|---|---|
|0.08|2001.01|
|0.08|2001.09|
|0.08|2001.17|
|0.08|2001.25|
|0.15|2001.4|
|0.31|2001.71|
|0.4|2002.11|
|0.58|2002.69|
|0.76|2003.45|
|0.9|2004.35|
|0.92|2005.27|
|1.16|2006.43|





|Categories Out|Categories Out|
|---|---|
|Category<br>Amount<br>Percentile||
|Education<br>£         4,446.00<br>Construction<br>£       21,274.00<br>Community<br>£            122.00<br>Fundraising<br>£         1,580.98|16%<br>78%<br>0%<br>6%|
|Total<br>£       27,422.98||






## **Outgoings** 


**----- Start of picture text -----**<br>
Fundraising<br>Community6%<br>0%<br>Construction<br>78%<br>**----- End of picture text -----**<br>




Education
160/0