
**Trustees’ Annual Report for the period** 

**From:  16/11/2023   Period start date   to: 31/12/2024 Period end date Charity name: VISIBLE OUTCOMES 4U** 

**Charity registration number: 1205771** 

## **Objectives and Activities** 

||SORP<br>reference||
|---|---|---|
|Summary of the purposes<br>of the charity as set out in<br>its governing document|Para 1.17|**Visible Outcomes 4U have the**<br>**following aims and objectives**:<br>(1) To advance education, relieve<br>financial hardship and relieve<br>unemployment<br>amongst<br>those<br>seeking asylum, those granted<br>refugee status and other migrants<br>particularly by the provision of<br>information, advice and guidance.<br>(2) To advance the education and<br>training of those granted refugee<br>status and having other<br>immigration statutes and their<br>dependants in need thereof so as<br>to advance them in life and assist<br>them to adapt within a new<br>community.<br>(3) To preserve and protect the<br>physical and mental health of<br>those seeking asylum, those<br>granted refugee status and other<br>migrants and their dependants|
|Summary of the main<br>activities in relation to<br>those purposes for the<br>public benefit, in particular,<br>the activities, projects or<br>services identified in the<br>accounts.|Para 1.17<br>and 1.19|**1. Funded Project delivered**<br>**by Visible Outcomes 4U**<br>Visible Outcomes is committed to<br>empowering refugees, people seeking<br>asylum, and migrants through a range of<br>free, confidential, and culturally sensitive<br>services. Our work is rooted in respect,|





inclusion, and the belief that every individual should have the tools and confidence to shape their own future. Some of the projects are not funded and are run on voluntary basis. 

## ❖ **Food Vouchers and Distribution:** 

To address food insecurity among the most vulnerable, we provide food vouchers and distribute essential food supplies to refugees, asylum seekers, and migrants. This service ensures that no one is left without a reliable source of nourishment during difficult times. 

## 2. **Unfunded Project delivered by Visible Outcomes 4U** 

## ❖ **Information, Advice and Guidance** 

Visible Outcomes provide impartial, nondirective advice and guidance that puts service users’ decisions at the centre. Our team supports individuals in navigating complex systems, including housing issues and homelessness prevention, access to health services, welfare benefits, employment or selfemployment pathways, ESOL classes, training opportunities, and the conversion of overseas qualifications into UK equivalents. Working in partnership with other organisations, we signpost service users to specialist debt advice and legal support. 

## ❖ **Intercultural Adapted Employment Training Programmes#** 

Our tailored employment support helps participants adapt to the UK workplace, overcome barriers, and achieve their career goals. We assist with job 



applications, interview preparation, selfemployment guidance, and the recognition of overseas professional or vocational qualifications. These programmes equip service users with the skills and confidence needed to secure sustainable employment. 

❖ **Digital Inclusion Training** Through our Training Academy, we deliver carefully designed digital skills programmes to meet the unique needs of our communities. Participants learn to manage health appointments online, access Universal Credit, apply for electronic visas, and navigate a range of other essential online services. This training promotes independence and ensures digital barriers do not prevent access to vital resources. 

❖ **Community Research and Publications** 

We collaborate with partners to conduct research on key issues affecting refugees, asylum seekers, and migrants. The findings are used to produce evidence-based publications that inform service provision and support advocacy for policy change at local and national levels. This ensures the lived experiences of our communities influence decision-making. 

❖ **Community Cohesion Events** 

Our cultural events bring people together to share food, music, dance, and poetry, celebrating diversity and building mutual understanding. These gatherings help foster trust, break down barriers, and create stronger, more connected communities. 



|||❖ **Environmental Projects**<br>We engage communities in<br>environmental action through events and<br>workshops aimed at increasing carbon<br>literacy and promoting sustainability.<br>Clean-up projects and awareness<br>activities encourage people to take pride<br>in their surroundings while contributing to<br>climate responsibility.<br>Through these initiatives, Visible<br>Outcomes provides not only practical<br>support but also the skills, networks, and<br>opportunities needed for long-term<br>independence. By empowering<br>individuals, strengthening community<br>ties, and advocating for systemic<br>change, we help create a society where<br>everyone can belong, contribute, and<br>thrive.|
|---|---|---|
|Statement confirming<br>whether the trustees have<br>had regard to the<br>guidance issued by the<br>Charity Commission on<br>public benefit|Para 1.18|Visible Outcomes 5 trustees have<br>confirmed that they have had due regard<br>to the guidance on public benefit issued<br>by the Charity Commission when<br>carrying out their duties. In particular, the<br>trustees have considered how the<br>charity’s aims are carried out for the<br>public benefit and how the charity’s<br>activities contribute to achieving those<br>aims.<br>When planning the charity’s activities for<br>the year, the trustees have reviewed the<br>aims, objectives, and strategies of the<br>charity to ensure that they remain<br>aligned with delivering public benefit.<br>The trustees have also considered the<br>impact of the charity’s work on its<br>beneficiaries and the wider community,<br>ensuring that resources are used<br>effectively to further the charity’s<br>purposes.<br>In doingso, the trustees have sought to|





ensure that all activities are consistent with the charity’s objectives and comply with the requirements of the Charity Commission’s public benefit guidance. 

**Additional information (optional)** You may choose to include further statements where relevant about: 

||SORP<br>reference||
|---|---|---|
|Policy on grant making|Para 1.38|Visible Outcomes does not make grants<br>to other organisations or individuals.|
|Policy on social<br>investment including<br>program related<br>investment|Para 1.38|Visible Outcomes does not currently hold<br>any social investments or make<br>programme related investments.|
|Contribution made by<br>volunteers|Para 1.38|Visible Outcomes values the vital<br>contribution made by its volunteers in<br>supporting the charity’s aims and<br>objectives. Volunteers receive relevant<br>training to enable them to carry out their<br>tasks and responsibilities effectively.<br>They play a key role in organising and<br>delivering various training sessions, as<br>well as assisting in the running of events<br>by undertaking a variety of roles and<br>responsibilities.<br>In return for their contribution, volunteers<br>are supported to develop their<br>knowledge and skills, enhancing their<br>personal and professional growth. The<br>charity also reimburses volunteers for<br>any out-of-pocket expenses incurred in<br>the course of their work, ensuring they<br>are not financially disadvantaged through<br>their involvement|
|Other||**None**|



## **Achievements and Performance** 

SORP 



||reference||
|---|---|---|
|Summary of the main<br>achievements of the<br>charity, identifying the<br>difference the charity’s<br>work has made to the<br>circumstances of its<br>beneficiaries and any<br>wider benefits to society<br>as a whole.|Para 1.20|**Voluntary Projects Delivered by**<br>**Visible Outcomes 4U (Without**<br>**External Funding)**<br>Visible Outcomes 4U has successfully<br>delivered the following community<br>projects entirely on a voluntary basis,<br>with no external funding. Despite limited<br>resources, our dedicated volunteers<br>have continued to make a meaningful<br>impact across Salford.<br>❖ **Integration and Inclusion:**Led<br>efforts for Salford to become a_City of_<br>_Sanctuary_, working collaboratively<br>with Salford City Council, the<br>University of Salford, and partner<br>organisations to make the city<br>welcoming and inclusive for refugees<br>and people seeking asylum.<br>❖ **Education and Employability:**<br>Delivered basic IT and employability<br>training, supporting over 100<br>participants to build digital<br>confidence, complete job<br>applications, and progress into<br>volunteering, further training, and<br>employment.<br>❖ **Health and Wellbeing:**Organised<br>arts, dance, and cultural workshops<br>that enhanced participants’ emotional<br>wellbeing, self-esteem, and sense of<br>belonging.<br>❖ **Environmental Action:**Coordinated<br>community clean-up activities to<br>make Salford greener and cleaner,<br>promoting civic pride and<br>environmental awareness.<br>❖ **Advice and Support:**Offered<br>specialist information, advice and<br>guidance (IAG), conversational<br>English sessions, and emergency<br>food support to individuals and<br>families in crisis.<br>❖ **Community Building:**Delivered<br>successful cultural events, including<br>the_Humanity Project_, bringing people<br>from diverse backgrounds together to<br>celebrate culture, strengthen|





understanding, and reduce social isolation. Beneficiaries reported increased confidence, stronger community connections, and improved quality of life. The wider Salford community has benefited through greater cohesion, reduced isolation, and enhanced cultural understanding; all achieved through voluntary commitment and collaboration. 

## **Additional information (optional)** You may choose to include further statements where relevant about: 

||Achievements against<br>objectives set|Para 1.41|Visible Outcomes 4U has successfully<br>delivered on its main objectives of<br>integration, education, and wellbeing<br>support for refugees, asylum seekers,<br>and vulnerable residents in Salford.<br>Importantly, all the activities outlined<br>below were delivered voluntarily with no<br>external funding, relying solely on the<br>dedication and commitment of our<br>volunteers.<br>**Key achievements include:**<br>❖Leading the campaign for Salford to<br>become a_City of Sanctuary_, working<br>collaboratively with local partners to<br>make the city more inclusive and<br>welcoming.<br>❖Providing basic IT and employability<br>training to enhance digital skills and<br>job readiness.<br>❖Running arts, dance, and wellbeing<br>programmes that improved<br>participants confidence, emotional<br>health, and sense of belonging.<br>❖Organising community clean-up<br>events to promote civic pride and a<br>greener environment.<br>❖Delivering conversational English<br>classes and offering specialist advice,<br>guidance, and emergency food<br>support to those in crisis.|
|---|---|---|---|





|||❖Beneficiaries have reported greater<br>independence, improved<br>communication skills, and stronger<br>community belonging, while Salford<br>as a city benefits from increased<br>cohesion, inclusion, and civic pride;<br>all achieved through voluntary effort<br>and without any external funding<br>support.|
|---|---|---|
|Performance of<br>fundraising activities<br>against objectives set|Para 1.41|During the reporting period, Visible<br>Outcomes 4U did not receive any<br>external funding. Despite this, the charity<br>continued to deliver its core projects and<br>community activities entirely on a<br>voluntary basis, demonstrating strong<br>commitment and resilience. While no<br>successful grant applications were<br>secured, the organisation maintained<br>positive relationships with partners such<br>as Salford CVS and local housing<br>associations, exploring future<br>opportunities for collaboration and<br>funding. Although financial fundraising<br>objectives were not met due to lack of<br>external income, Visible Outcomes 4U<br>met its community engagement and<br>service delivery objectives through<br>voluntary effort, in-kind support, and<br>community goodwill. These activities<br>strengthened public awareness of the<br>charity’s mission and reinforced its<br>reputation for dedication and impact<br>despite financial limitations.|
|Investment performance<br>against objectives|Para 1.41|The charity does not hold financial<br>investments; available funds are<br>maintained in a standard bank account<br>to ensure liquidity for service delivery.|
|Other||Visible Outcomes 4U continues to be<br>recognised as a key partner in Salford’s<br>refugee and inclusion network,<br>contributing expertise to policy<br>discussions, local forums, and inter-<br>agency collaboration. The charity<br>maintains strong governance and<br>safeguardingstandards, ensuringthat all|





projects meet ethical and legal responsibilities. Volunteer involvement has grown, enhancing community participation. We are developing future plans to expand digital inclusion, mental health support, and environmental projects across Salford. 

## **Financial Review** 

|Review of the charity’s<br>financial position at the<br>end of the period|Para 1.21|**31/12/2024**|
|---|---|---|
|Statement explaining the<br>policy for holding reserves<br>stating why they are held|Para 1.22|**Reserve Policy**|
|Amount of reserves held|Para 1.22|**£135.00**|
|Reasons for holding zero<br>reserves|Para 1.22|**N/A**|
|Details of fund materially<br>in deficit|Para 1.24|**N/A**|
|Explanation of any<br>uncertainties about the<br>charity continuing as a<br>going concern|Para 1.23|**N/A**|



## **Additional information (optional)** You may choose to include further statements where relevant about: 

|The charity’s principal<br>sources of funds (including<br>any fundraising)|Para 1.47|**Salford Community Volunteer Sectors**<br>**(CVS)**|
|---|---|---|
|Investment policy and<br>objectives including any<br>social investment policy<br>adopted|Para 1.46||
|A description of the<br>principal risks facing the<br>charity|Para 1.46||
|Other|||





## **Structure, Governance and Management** 

|Description of charity’s<br>trusts:|||
|---|---|---|
|Type of governing<br>document<br>(trust deed, royal charter)|Para 1.25|**Constitution**|
|How is the charity<br>constituted?<br>(e.g unincorporated<br>association, CIO)|Para 1.25|**CIO**|
|Trustee selection methods<br>including details of any<br>constitutional provisions<br>e.g. election to post or<br>name of any person or<br>body entitled to appoint<br>one or more trustees|Para 1.25|**The trustee appoints further trustees,**<br>**as per the constitution**|



|**Additional information (optional)**<br>You may choose to include further statements where relevant about:|**Additional information (optional)**<br>You may choose to include further statements where relevant about:|**Additional information (optional)**<br>You may choose to include further statements where relevant about:|
|---|---|---|
|Policies and procedures<br>adopted for the induction<br>and training of trustees|Para 1.51|Visible Outcomes 4U is committed to<br>maintaining high standards of<br>governance and accountability.<br>New trustees undergo a structured<br>induction and training process designed<br>to familiarise them with the charity’s<br>mission, legal obligations, and<br>operational framework.<br>The induction process includes:<br>An introduction to the Charity’s<br>Constitution, charitable objectives, and<br>regulatory duties under the Charities Act<br>2011. A detailed Trustee Handbook<br>outlining roles, responsibilities, decision-<br>making procedures, safeguarding, data<br>protection, and equality policies.<br>Meetings with the Chair, senior<br>volunteers, and project leads to<br>understand ongoing programmes,<br>partner relationships, and community<br>needs. Guidance on financial oversight,<br>risk management, and reporting<br>obligations to the Charity Commission.<br>Access to training opportunities through<br>partners such as Salford CVS, the<br>Council for Voluntary Service, and other<br>organisations. Trustees are encouraged<br>to attend relevant workshops on|





|||governance, safeguarding, and equality<br>and diversity. Regular reviews ensure<br>trustees remain up to date with best<br>practice, charity law, and local policy<br>changes affecting our beneficiaries.|
|---|---|---|
|The charity’s<br>organisational structure<br>and any wider network<br>with which the charity<br>works|Para 1.51|Visible Outcomes 4U operates under the<br>governance of a Board of Trustees,<br>responsible for strategic direction,<br>compliance, and oversight of finances<br>and safeguarding. The charity is<br>managed day-to-day by volunteers who<br>deliver projects and coordinate<br>community outreach. We work closely<br>within a collaborative network of<br>partners, including:<br>**Salford City Council**– policy alignment,<br>community engagement, and City of<br>Sanctuary initiatives.<br>**NHS and local health providers**–<br>promoting health awareness, access to<br>primary care, and mental wellbeing<br>support.<br>**Housing providers**such as For<br>Housing and Pendleton Together,<br>addressing housing, welfare, and<br>tenancy support needs.<br>**Interfaith Network of Salford**–<br>promoting social cohesion, peace, and<br>community dialogue.<br>**Greater Manchester Police (GMP)**–<br>partnership on community safety, hate<br>crime awareness, and trust-building<br>initiatives.|
|Relationship with any<br>related parties|Para 1.51|Visible Outcomes trustees confirm that<br>the charity has no related party<br>relationships requiring disclosure. No<br>transactions took place during the year<br>with related parties.|
|Other|||





## **Reference and Administrative details** 

|Charity name|**VISIBLE OUTCOMES 4U**|
|---|---|
|Other name the charity<br>uses|**VISIBLE OUTCOMES**|
|Registered charity number|**1205771**|
|Charity’s principal address|**University Of Salford. L501 Allerton Building.**<br>**Frederick Road. Salford. M6 6PU**|
|||





## **Names of the charity trustees who manage the charity** 

|1<br>2<br>3<br>4<br>5<br>6<br>7<br>8<br>9<br>10<br>11<br>12<br>13<br>14<br>15<br>16<br>17<br>18<br>19<br>20|**Trustee name**|**Office (if**<br>**any)**|**Dates acted if not for**<br>**whole year**|**Name of person (or**<br>**body) entitled to appoint**<br>**trustee (if any)**|
|---|---|---|---|---|
||**Mr Vincent Kapasa**||**Whole Year**||
||**Mr Pierre Bismarck**<br>**Mugabe Mako**||**Whole Year**||
||**Mr Milad Rahimi**||**Whole Year**||
||**Mr Adewale Peter**<br>**Ogundipe **||**Whole Year**||
||**Mrs Munganyinka**<br>**Simugomwa**||**14/04/2025**||
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– Corporate trustees names of the directors at the date the report was approved 

Name of trustees holding title to property belonging to the charity 

|**Trustee name**|**Dates acted if not for**<br>**whole year**||
|---|---|---|
|**N/A**|**N/A**||
||||





## **Funds held as custodian trustees on behalf of others** 

Description of the assets N/A held in this capacity Name and objects of the charity on whose behalf the assets are held and how this falls within the custodian charity’s objects 

Details of arrangements for safe custody and segregation of such assets from the charity’s own assets 

## **Additional information (optional)** 

## **Names and addresses of advisers (Optional information)** 

**Type of Name Address adviser** 

**Name of chief executive or names of senior staff members (Optional information)** Alexis M Shama 

## **Exemptions from disclosure** 

Reason for non-disclosure of key personnel details 

## **Other optional information** 



## **Declarations** 

**The trustees declare that they have approved the trustees’ report above.** 

**Signed on behalf of the charity’s trustees** 

**Signature(s)** P B Mugabe Mako **Full name(s)** Pierre Bismarck Mugabe Mako **Position (eg Secretary,** Trustee **Chair, etc) Date** 30/09/2025 



||**VISIBLE OUTCOMES 4U**|**VISIBLE OUTCOMES 4U**|**VISIBLE OUTCOMES 4U**|**No (if any)**|**No (if any)**|**No (if any)**|**CC16a**|
|---|---|---|---|---|---|---|---|
||**For the period**<br>**from**|Period start date<br>**16/11/2023**|**To**|Period end date<br>**31/12/2024**||||
|||||||||
|**Section A Receipts and payments**||||||||
|**A1 Receipts**|**Unrestricted**<br>**funds**<br>**to the**<br>**nearest      £**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**<br> <br> **-**<br>**-**<br>**-**<br> **-**<br> **-**<br>**-**<br>**-**<br>**-**<br>**-**<br> ~~**-**~~<br>**-**<br>**-**<br> ~~**-**~~<br>**-**<br>**-**<br>**-**<br>~~**-**~~<br>**-**|**Restricted**<br>**funds**<br>**to the nearest**<br>**£**<br>**5,000**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**<br>**5,000**<br>**-**<br>**-**<br>**-**<br>**5,000**<br>**-**<br>**125**<br>**1,425**<br>**750**<br>**1,075**<br>**1,490**<br>**-**<br>**-**<br>**-**<br>~~**4,865**~~<br>**-**<br>**-**<br>~~**-**~~<br>**4,865**<br>**135**<br>**-**<br>~~**-**~~ <br>**135**|**Endowment**<br>**funds**<br>**to the nearest**<br>**£**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**<br>~~**-**~~<br>**-**<br>**-**<br>~~**-**~~<br>**-**<br>**-**<br>**-**<br> ~~**-**~~<br>**-**||**Total funds**<br>**to the nearest**<br>**£**<br>**5,000**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**<br>**5,000**<br>**-**<br>**-**<br>**-**<br>**5,000**<br>**-**<br>**125**<br>**1,425**<br>**750**<br>**1,075**<br>**1,490**<br>**-**<br>**-**<br>**-**<br>~~**4,865**~~<br>**-**<br>**-**<br>~~**-**~~<br>**4,865**<br>**135**||**Last year**<br>**to the**<br>**nearest £**|
|Salford CVS grant (Food<br>Vouchers to support members)|||||||**-**|
||**-**||||||**-**|
||**-**||||||**-**|
||**-**||||||**-**|
||**-**||||||**-**|
||**-**||||||**-**|
||**-**||||||**-**|
||**-**||||||**-**|
|**_Sub total_**_(Gross income for_<br>_AR)_|<br> **-**||||||**-**|
|||||||||
|**A2 Asset and investment**<br>**sales,(see table).**||||||||
||**-**|||||||
||**-**||||||**-**|
|~~**_Sub total_**~~|**-**||||||**-**|
|**_Total receipts_ **<br>**A3 Payments**||||||||
||||||||**-**|
|||||||||
|Food Vouchers bought|**-**||||||**-**|
|Mar-24|||||||**-**|
|Apr-24|||||||**-**|
|May-24|||||||**-**|
|Jun-24|||||||**-**|
|Jul-24|||||||**-**|
||**-**||||||**-**|
||**-**||||||**-**|
||**-**||||||**-**|
|**_Sub total_ **|~~**-**~~||||||~~**-**~~|
|||||||||
|**A4 Asset and investment**<br>**purchases, (see table)**||||||||
||**-**|||||||
||**-**|||||||
|**_Sub total_ **|~~**-**~~||||||~~**-**~~|
|**_Total payments_**<br>**_Net of receipts/(payments)_**<br>**A5 Transfers between funds**<br>**A6 Cash funds last year end**<br>**_Cash funds this year end_**||||||||
||||||||**-**|
|||||||||
||**-**|**135**|**-**||**135**||**-**|
||**-**|**-**|**-**||**-**||**-**|
||~~**-**~~|~~**-**~~|~~**-**~~||~~**-**~~||~~**-**~~|
||**-**|**135**|**-**||**135**||**-**|



CCXX R1 accounts (SS) 

21/10/2025 

1 



## **Section B Statement of assets and liabilities at the end of the period** 

|**Categories**<br>**B5 Liabilities**<br>**B3 Investment assets**<br>**B2 Other monetary assets**<br>**B4 Assets retained for the**<br>**charity’s own use**<br>**B1 Cash funds**|**Details**<br>**Details**<br>**_Total cash funds_**<br>(agree balances with receipts<br>**Details**<br>**Details**<br>**Details**|**Unrestricted**<br>**funds**<br>**to nearest £**<br>**-**<br>**-**<br>135<br>**Unrestricted**<br>**funds**<br>**to nearest £**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**<br>**Fund to which**<br>**asset belongs**<br>**Fund to which**<br>**asset belongs**<br>**Fund to which**<br>**liability**<br>**relates**|**Restricted**<br>**funds**<br>**to nearest £**<br>**135**<br>**-**<br>**-**<br>**135**<br>OK<br>**Restricted**<br>**funds**<br>**to nearest £**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**<br>**Cost**<br>**(optional)**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**<br>**Cost**<br>**(optional)**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**<br>**Amount due**<br>**(optional)**<br>**-**<br>**-**<br>**-**<br>**-**<br>**-**|**Endowment**<br>**funds**<br>**to nearest £**|
|---|---|---|---|---|
|||||**-**|
|||||**-**|
|||||**-**|
|||||**-**|
|||||OK|
|||||**Endowment**<br>**funds**<br>**to nearest £**|
|||||**-**|
|||||**-**|
|||||**-**|
|||||**-**|
|||||**-**|
|||||**-**|
|||||**Current**<br>**value**<br>**(optional)**|
|||||**-**|
|||||**-**|
|||||**-**|
|||||**-**|
|||||**-**|
|||||**Current**<br>**value**<br>**(optional)**|
|||||**-**|
|||||**-**|
|||||**-**|
|||||**-**|
|||||**-**|
|||||**-**|
|||||**-**|
|||||**-**|
|||||**-**|
|||||**When due**<br>**(optional)**|
||||**-**||
||||**-**||
||||**-**||
||||**-**||
||||**-**||



Signed by one or two trustees on behalf of all the trustees CCXX R2 accounts (SS) 

Date of 21/10/2025approval 

Signature 

Print Name 

2 



**P B Mugabe Mako Pierre Bismark Mugabe Mako 30/09/2025** 

CCXX R3 accounts (SS) 

21/10/2025 

3 

