Charlty r•gl$tratlon number 291264 (England and Wales)
ACTON MUSLIM WELFARE ASSOCIATION
ANNUAL REPORT AND UNAUDITED FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025

ACTON MUSLIM WELFARE ASSOCIATION
LEGAL AND ADMINISTRATIVE INFORMATION
Tru$t•o$
Mr Amanat Ali
MrAG Farquhar
Mr Syed Mumtaz Hussain
Charlty r•glstratlon
England and Wales
291264
Prlnc5pal addrn$s
2-5 Oldham Terrace
Acton
London
Unil8d Kirydom
W3 6LS
Ind•pond•nt •xamln•r
Reddy SKldiqui LLP
183-189 Tht Va
Acton
London
United Kingdom
W3 7RW

ACTON MUSLIM WELFARE ASSOCIATION
CONTENTS
Pag•
Truslaes report
Indep8ndenl examinerfs report
Slalement d financial activities
Balance shtel
Notes lo the fjnanclal statements
6-12

ACTON MUSLIM WELFARE ASSOCIATION
TRUSTEES REPORT
FOR THE YEAR ENDED 31 MARCH 2025
The Trustees present th8ii annual rep)rt and financial statements for the year ended 31 March 2025.
The financial statement5 have been prepared in accordance wilh the accounting policies sel out in nol8 1 to the
finan¢ial slatemenls and comply with the charty's consblulitx). the Charities Act 2011 and "Accounting and
Reporting by Charities.. Statement of Recommended Practice applicable lo charities preparing their accounts in
accordance with the Financial Reporting Stan(Jard applicable in the UK and Republic of Ireland IFRS 1021"
leffeclive 1 January 20191.
Obj•¢tlv*¥ and actlvltl•¥
The principal activity of the charily during the year continued lo be that of..
The advancèmenl of the Muslim religion.
The advancemenl ol education in accordance wth the tenets and doctrin¢ of Islam.
The relief ol such Muslims who are poor and needy.
To advan￿ any other tharItab￿ purpose for benefil of Muslims in Adon.
Publlc b•n•fit
The Truslees have pald due regard to guKlan¢e i85ued by the Charity Commission in deatjing whal aclivilie$ the
charlly should undertake.
Achl•v•m•nts and p•rtormanc•
s￿￿111can1 acliwlies and a¢h￿vementS againsl oty"ectives
During the year. mosque a¢livrties remained vèry strong with the provisk)n of five daily prayers, 74ays a week
leaching Imadrasahl services. sisters. dasses for youth of Aclon and the strengthening ol our Zakat dislrlbution
programm9 wllh the NZF which runs on weekends.
Total unrestricted income from donalions grew from £176,488 in the prior year to £214,099. because of srnal￿r
lump sum don8tions. Electronic donatsons continued their growth, doubling during the year to ￿present
approximately 45tsA of all donations. Bucket donations have remained broadly fiat over the medium-lerm history
whilst all the growth has come from eleclronic means. Our overall costs incrèased to £229.554 resulllng in a small
nel deficit of 1£15.5451. Oui restricted activities I0￿Sed on supporting the poor and needy around the world,
allowed us lo remil £82,080 which 90gs lo show th8 generosty of all the attendees ol the mosque and servgs as 8
reminder th81 the community is so k8èn lo help olhers less fortunate and gives us this great trust lo distribute Ihelr
contribullons wisely. We closed with a slight increase in our cash balances of £141.482.
Flnanclal r•vl•w
During the y8ar the charity conlinued lo rec8ive donations which wll b8 usad to fund ils acltvilles.
Res•rvo$ pollcy
11 is the poli¢y ol the charity Ihal unreslrictèd funds which have not been designaled lor a specific use should b&
maintained al a level eqvwalenl lo bets￿en three and Six month's expenditure. The Trustees consider that reservgs
al this level will ensure that. in the event of a signif￿ant drop in funding. Ihey will be able lo continue the charily's
current aclivilie5 while consideration is given lo ways in which addilional funds may be raised. This level of reserves
has been maintained throughoul the year.
Major rlsks
The Tru51ees have assessed the major risks to which the chartty 15 exposed. and are sab$fied Ihal systems are in
place lo mitigate exposure to the major risks.
Structure, governance and management
The Truslees who served duftng the year antl up lo Ihe date of ￿gnatUre of the financial stalemenls were."
Mr AmanatAIi
Mr A G Farquhar
Mr Syed Murntaz Hussain

ACTON MUSLIM WELFARE ASSOCIATION
TRUSTEES REPORT (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
The company's CUTrenl policy conc8ming the payment of trade crediiors is to folbw the C81's Prompt Payers Code
(copies are available from the CBI. Centre Point, 103 New Oxford Street, London WC1A 1DUI.
The company's ¢UTTenl policy conc8ming Ihe payment ol trade credrtrrfs is to:
settle the terms of payment with suppliers when agreeing the tem￿ of each transaction..
ensure that suppliers are made aware ol lh& terms of payment by indusicm of the relevant 18rms In Contracts,.
and
pay in 8ccordance with the company's conlraclual and olher legal obloations.
The Trust¢gs report was approved by Board ol Tfusle8s.
Farquhar
Tru8t••
9 January 2026

ACTON MUSLIM WELFARE ASSOCIATION
INDEPENDENT EXAMINER'S REPORT
TO THE TRUSTEES OFACTON MUSLIM WELFAREASSOCIATION
I roport to the Truste8s on my examinab.on of the finanual staterr*nts of Aclon Muslim Welfare Association Ilhe
chafilyl for the year ended 31 March 2025.
Responslbllltles Ind basis of r•port
As the Trustees of the charity you are reSp￿sible for the preparation of the financial slalements in a¢¢ordance with
the requiremenls of Ihe Charibgs Act 2011.
I report in respect of my examinatton of the charity s financial statements carried out under section 145 of the
Charities Act 2011. In carrylng out my eXaMinat￿n I have followed the Directions given by the Charity Commission
under section 14515llbl of the Charities Act 2011.
Independènt •x*miner'8 statemtnt
Since the chafily's gross income exceeded £250.000. independent examiner musl be a member of a body listed
in section 145 of the Charilies Act 2011. 1 confirm th81 l am qualified lo undertake the examination because l arn a
member of ICAEW, which is one of the li51ed bodies.
I have completed my examinalion. l Confimi that no matters have to my attention in connocllon whh the
examination giving mè cause to believe that in any material rèsp8ct'.
accounbng records were not kept in respect ol the ch81ily as rgquired by sect￿ 130 of the Charities Act 2011.
the financial statements do not accord wth those records.. or
Ihe f4nancial stalemenls do not comply with the applicable Tequirement$ concerning Ihg form and content of
rinancial slalemgnls sel out in Ihe Ch8nlies IA¢¢ounls and Rep￿ts) Regulations 2008 other than any
requirement that the financial stalemenls give a true and 18iT view. which is not 8 matler considered as part of
an independent examination.
I have no con¢ems and have come across no other matters in wnnection wilh th9 examinab.on lo which attenlion
should be drawn in this report in order lo enable a propel underslandiNJ ol the financial statements lo ￿ reached.
R•ddy Slddlqul LLP
183-189 The Vale
Acton
London
W3 7RW
United Kin9dom
9 January 2026

ACTON MUSLIM WELFARE ASSOCIATION
STATEMENT OF FINANCIAL ACTIVITIES
INCLUDING INCOME AND EXPENDITURE ACCOUNT
FOR THE YEAR ENDED 31 MARCH 2025
Unr•$trlet•d Restricted
funds
funds
2025
2025
Total Vnrestrlcted Restrl¢t•d
funds
lunds
2024
2024
Total
2025
2024
Not¢$
Incom• from:
Donations and legacies
214,C*)9
79.075
293.084
176,486
101.264
277,752
Total Incom•
214,C#)9
79.075
293,084
176.488
101.264
277.752
Exp•ndltur• on:
Charitable activities
229,554
82.080
311.634
170.896
89,326
260.222
Total oxpendlturn
229.554
82.080
311.634
170.896
89,326
260,222
Net In¢om•ll•xp•ndlturel and
mov•m•n¢ In funds
115,545)
13.fy)Sl
118,5501
5,592
11,938
17.530
Reconciliatlon of lund•:
Fund balances al 1 April 2024
2.102.118
21,340 2,123.458
2.096.526
9,402 2.105.928
Fund b•l•nc•* at 31 March
2025
2,086.573
18,335 2,104,908
2.102.118
21,340 2,123.458
The slalemenl of financial activit￿$ includes all gains and losses ocognised in the year. Al income and eX￿ndIture
dèrive from continuing activities.

ACTON MUSLIM WELFARE ASSOCIATION
BALANCE SHEET
ASAT31 MARCH 2025
2025
2024
Notss
Fix¢d ass•ts
Tangible assets
1.967.867
1.989,015
Current as$•t$
Debtors
Cash al bank and in hand
10
lo,￿0
126,836
141,482
146.982
136.836
Creditors.. amounts talllng due wlthln
one year
11
{9,9411
12.3931
N•t ¢urrnnt ass•ts
137,041
134,443
Total a$$•ts less currnnt Ilabllltl•s
2,104,908
2,123.458
The funds of th• ¢h4rlty
Restricted income funds
Unre¥lricted funds
13
14
18,335
2,086.573
21,340
2,102,118
2.104,908
2,123,458
The financial slalemenls were approved by the Trustees <>n 9 January 2026
Farquhar
Tru8tse
yed Mu
Trust
Hussain

ACTON MUSLIM WELFARE ASSOCIATION
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025
Accountlng poll¢le$
Charity information
Acton Muslim Wellarg Association 15 an unincoryjorated as50CiatK)n.
1.1 A¢¢ountlng ¢onv•ntion
The financial statements have been prepared in accordance with Ihe charitls goveming document, the
Charities Act 2011, FRS 102 Yhe Financial Reportiry Siandard applicable in the UK and Republic of Ireland"
and the Charities SORP "Ac¢oLtnting and Reporting by Charities.. Ststemenl of Recommended Practice
applicabl& to charities preparing their accounts in a¢￿dance with Ihe Financial Reporting Standard
applic8ble in the UK and Republic ol Ireland IFRS 102)". The ¢harity is 3 Publi¢ 88nefil Entity as defined by
FRS 102.
The charity has tsken advantage of Ihg provisions in the SORP lor charities not lo prepare a statement of
cash flows.
The financial statements h8ve departed fr¢)m the Charilies (Accounls and Rgportsl Regulalions 2008 only to
the extent require¢J lo provide a true and fair view. This departure has involved lollowng the Statement of
Recommended Pr8clice for Charities applying FRS 102 rather than the version of the S¢8tement of
Recommgnded Pract￿e whKh 1$ relerred lo in the Regulaknons bul which has *n¢e been withdrawn.
The financial statements are prepared in sterfing. which is th¢ funclional currency of the charity. Monetary
8mounls in these financial stalements 8re rounded io Ihe neaiesl £.
The financial stalemenis havo been prepared under the histOfic81 ￿$1 wnvention. Imodified lo include the
revaluation of freeho￿￿ properties and lo include investment Properties and certain finan￿81 inslrumenls al fair
valuel. The principal 8ccountsng policies ad¢)pted are set out below.
1.2 Golng conc•rn
Al the lime ol approving the financial Statements. the Trustees have a reasonable expectats'on Ihal the charSly
has adequale resources to continue in operabonal existen￿ for the fo￿Seeable fvture. Thus the Trust￿$
continue lo adopl Ihe going concern basis of a¢¢ounlin9 In prgparirMJ the financial slalemenis.
1.3 Charltable fund$
Unrestricted lunds are avail8blg for use al the discretion of the Trustees in lurth8rancè of their charitablg
obieth'ves.
Reslrfcted funds are sublecl trj ycific conditK)ns by do￿rS or grantors a$ to how they may bg usgd. The
purposes and uses of Ihe restrict8d lunds are set out in the r￿teS to the ffinancial statements.
Endowmenl funds are suty'ect to Specific condilions by donors that the ca￿181 must be mainlalned by the
charity.
1.4 Incom•
Income is Tecognised when the charity is kgally entiued to il after any perfomiance conditions havo been mel,
the amounts can be measured rella￿y. and it is probable that irKome will be received.
Cash donations are rewgnised on receipt. Oltw donations are rec(MJnised once the charity has been notified
of the donation. unless performance condillons require deferral of the amount. Income tsx recoverable in
relation to donations r¢ceived under Gift Aid or deeds of covenant is recognised al the lime of the donation.
L9gades are recognis91J on receipt or other%￿se rf the charity has been notsfied of an Impending distribution,
the amount is known, and receipt is expected. If the amount is not known, Ihe *a¢y is trealed as 3
contingent asset.

ACTON MUSLIM WELFARE ASSOCIATION
NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
A¢counting poll¢lès
Contlnu•dl
1.5 Exp•ndltur•
Llabilities are recognised when ￿sourceS are expended. All expenditure is accounted for on an accruals basis
and has been classified under headin9s that aggregate all costs rolate(I lo the cat890ry.
Gov8rnan¢e costs include those costs associated with meeting the conslilulional and slalulory requlrements
of the charity and include ils audit fees and LThts linked lo the strategic management ol the charity including
Injstee expenses.
1.6 Tanglbl• Ilxed ass•ts
Tangible fixed assets are initially measured al cost and sub5equenlly mèasured al cost or valuation, nel of
depreciation and any impairment losse$.
Depreciation is recognised so as lo write off the cost ￿ valualion of assets le¥s their residu81 valuos over their
useful lives on the following ba5es'.
Land and bulldings
Flxlures, fittings & equipment
Computers
Motor vehicles
Dome Ilncluded in Fixlures, fittings &
equipment)
601AI ol the valsJe over 100 years
15°h raducing balance
IS% reducing balance
20010 reducing balance
SlraKJhl Line over 4 years
The galn oT105s arisin9 on the disposal of an ass81 is detèrminad as Ihe differance ￿tween the sale proceéds
and the carrying value ol the asset. and Ss recognise(1 in the slatomenl ol financial actlvilies.
1.7 Impalrment of Ilx•d a¥8ets
At each reporting end d81e, the Charity reviews the ¢afrying amounts of its tsngible assets lo delemiine
wholher Ihere is any 1nijicai￿ thal those asset$ have suffered an impaim)enl loss. If any such indicalion
exists, the recoverable arnount ol the asset is eslim81ed in order lo determine the exlenl of the impairment
lo$$ lif any).
1.8 C•*h and cash •qulval•nts
Cash and cash equivalents indude cash in hand. deposiis held al call with banks. other short-lerm liquid
investments wilh ori9inal matUrit￿S of three months or less. and bank overdrafts. Bank ov8rdrafts are shown
within borrowngs in ¢urrenl liabilit￿$.
1.9 Flnanclal Instruments
The charity has elected lo appty the proviwons of Section 11 '8a5ic Finanual Instruments, and Section 12
'Olher Financial In51rumenls Issue5. of FRS 102 to aN of its financial instruments.
Financial instruments are re¢ognised in the charity's balance sheel when the charity becomes party lo the
conlraclual provisions ol the instrument.
Financial 855els and liabililies are offset. wilh th¢ nel amounts presented in the finanual sialemen15. when
there is 8 legally enfor¢e8ble right lo set off Ihe recognised amounts and there is an intention to settle on a nel
basis or lo realise the asset and setlle the liability simurtaneously.
8•5ic financlal *Mets
B8sic financial assets, which include debtors and cash and bank balances. are initially measured al
transaction price Including transadion costs arKJ are subsequenlty carried at amortised cost using the effe¢live
interest method unless the arrangement consb"tutes a finanung transaction. where the transaction is
measured at the presenl value of the future receipts discounted at a market rale of interest. Financial assets
Classified as wceivable within one yea¥ are not arlw)￿'Sed.

ACTON MUSLIM WELFARE ASSOCIATION
NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
A¢¢ounting poll¢l•s
{Continu•dl
Bas1¢ financial11sbllltlos
Basic financial liabilities, including ¢rediloTS and bank toans afe initially recognised at transaction price unless
the arrangement constitutes a financing tran5act￿n, where the debt instrument is rneasured al the present
V8lu& of ihe future payments discounted at a market rate of interest. Financfial liabilities cL4ssffied as payable
wllhin one year are nol amortised.
Debt instruments are subsequenlty carri9d at am(N1ised cost, th8 effecb.ve interest rate method.
Trade credilofs are obligalions lo pay lor goods or services that have been acquired in the ordinary course of
operations from suppliers. Amount5 P8yabk are c18s$ified as current liabilities il payment Is due within one
year or less. If not. they are presenltrd as nOn-Cu￿8nt liabilities. Trade creditors are recognised initially al
transaction price and 5ubsequ8ntly measured at amor1is8d o)sl using the 8ffects.vo inlerest method.
Derecoqnttlon of Ilnanclal Ilabllltl•s
Financial liabilitses are derecLyJnised whèn the tharity's contractual oblvJalion$ expire or are discharged or
cancelled.
1.10 Employ•• b•n•fit$
The cost ol any unused holiday entillemenl is recognisod in Iho period in which Ihe employee's $ervKe8 are
received.
Termlnation benefits are rocogniseil immediately as an expense ￿en Ihe charity is demnstrabty ¢ommilled
to terminate the empk)ym¢nt ol an employee or lo prwde t8min8tiDn benefits.
1.11 R•tlroment ￿neffl$
Payments lo defined conlributhM retirement benefil schemès are charged as an expense as Ihey fall due.
Crltl¢•l accountlng •stimats$ •fMI Judg•m•nts
In the application of the charity's accounliro pOI￿leS, the Trustees are ￿VITed to make judgements,
estimates and assumptions about the cafrying amount ol assets and liabilities Ihat are not readily apparent
from other sources. The eslimales and associated assumptions are based on historical experiencg and olher
faclors Ihal arg considered lo be relevant. Aclual results may diffef from these estimat&$.
The estimates and Unde￿￿ng assumptions a￿ revigwed on 8n Mgoing basis. Revisions 10 8cc0unling
estimates are recognised in the pefiod in which the estsmate is revi$ed where the revision affects only Ihal
period. or in the perth of the rew5ion and future peric4Js where the revision affects both current and future
periods.
Donatlons and legacl•s
Vnr•stricted Restricted
funds
funds
Total
2025
Total
2024
Donations ond gifts
214,009
79,075
293.084
277,752
For the year ènded 31 March 2024
176.488
101.264
277,752

ACTON MUSLIM WELFARE ASSOCIATION
NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
Exp•ndlture on ch*Titabl• a¢tlvities
Masjid
activltlè$
2025
Maslld
acti¥lll•$
2024
DSr•¢t costs
Staff wsts
Depreciation and impairment
Zakat and Sadaqa
119.606
21,149
82.080
96.596
22,741
89,326
222.835
208.663
Share of Support and gov•rnanc• eosts18ee not¢ Sl
Support
Governance
87,101
1.698
SO,131
1,428
311,634
260,222
Analysis by fund
Unreslri¢led lunds
Reslricled funds
229.$54
82,080
170,896
89,328
311.634
260,222
Support colts
Support Gov•rnan¢•
ca$t$
¢o$ts
2025
2024 8asls of •llo¢atlon
Masjitl expenses
87,101
87.101
50,131
Accountancy
1.698
1,698
1.428 Govemance
87.101
1.698
88.799
51.S59
Analysed between
Charitable activities
87,101
1,698
51,559
Trust•o8
None of the Trustees lor any persons connected with them) receNed any remuneration or benefits from the
charity during the year.

ACTON MUSLIM WELFARE ASSOCIATION
NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
Employees
The average monthty number of ern￿oyeeS during Ihe year was..
2025
Number
2024
Number
Ernploym•nt co•ts
2025
2024
Wages and salaries
S￿101 securlty costs
Other pension ¢o$ts
113,414
4.375
1.817
93,023
1.802
1,771
119.606
96,596
Therè were no $mpfoye8s whose annual remungrabon was rn￿8 Ihan £60,(th.
T•xatlon
The charlty 1$ exempl Irom lax on its Charitab￿ activrtles.
T•nglbl• flx•d •ss•ts
Land and
bulldkwi
Fix¢ur••.
fitting# &
•4ulpm•nt
Cornput•i•
Motor
v•hlel•*
Total
Cost
At 1 April 2024
2.C67,531
138.473
5,677
25,220 2,236,901
Al 31 March 2025
2.067.531
138,473
5,677
25,220 2,236,901
Depreclatlon and Impalm•nt
Al 1 April 2024
Depreciation charged in the year
135,708
12.405
88.681
7,469
1,582
614
21,914
661
247,885
21.149
Al 31 March 2025
148.113
96,150
2.196
22,575
269.034
Carrying amount
At 31 March 2025
1.919,418
42,323
3.481
2.645 1,967.867
Al 31 March 2024
1.931,823
49.792
3,306 1,989,015
10-

ACTON MUSLIM WELFARE ASSOCIATION
NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
10 Debto
2025
2024
Amounts falllng due wlthln one year:
Other debtors
5.500
10,000
11 Creditors: amounts fallSng du• whhln ¢)n• ￿*r
2025
2024
Other lax8lion and social security
Other creditors
Accruals and deferred income
5,371
2.572
1.998
1,673
720
9,941
2,393
12 R•tlr•rn•nt b•n•flt $ch•m•s
2025
2024
O•fln•d ¢ontrlbut5on sch•m
Charge to profil or loss in resped of defined conlribution schemgs
1,817
1.771
The charity operates a defined ¢ontribulhJn penslon scheme for 8n qualifying employees. The 8ssets of Ihg
scheme are held separatety from those of the charlty in an indeperKlently administered fund.
13 R•strlcted lund8
The reslricled funds ol the ¢h8rily comprise the unexpended b8lances of donalion5 and grants held on trust
subject lo specific conditions by donors as lo how they may be used.
At 1 Aprll
2024
In¢om5ng Re$ources At 31 March
r•$ourcg$
expended
2025
21,340
79.075
{82,0801
18,335
Pr•vlou$ year:
At 1 Aprfl
2023
In¢omlng
r•sour¢e$
R•sources At 31 March
•xpènd•d
2024
9,402
101,264
(89,3261
21,340
11

ACTON MUSLIM WELFARE ASSOCIATION
NOTES TO THE FINANCIAL STATEMENTS (CONTINUED)
FOR THE YEAR ENDED 31 MARCH 2025
14 Unrestricted fvnds
The unreslricled funds ol the charity comprise the unexp9nded balances of donations and grants which are
not subject to specific conditions by donors and grantors as lo how they may be used. Th8se include
designated funds which have been sel aside out of unTestridgd funds by the trustees lor specific purposes.
Al 1 April
2024
Ineomlng
resour¢•$
Resourc•$ At 31 March
expended
2025
Gongral fLtrnds
2,102.118
214.009
1229.554
2,086,573
Pr•vlou$ y••r:
At 1 Aprll
2023
Incornlng Resour¢•s At 31 March
r•sourc•s
•xp•nd•d
2024
General funds
2.096.526
176,488
(170.8961
2,102,118
15 An•lysls ol n•t •ss•l$ b•tw••n lund•
Unr•stTlctsd R•strkt•d
funds
funds
2025
2025
Totsl Unrestricted
fund$
2024
Restricted
funds
2024
Total
2025
2024
Fund balances al 31
March 2025 are
represented by..
Tangible assets
Current asselsllliabiliti8sl
1,967.867
118,706
1.967.867
137,041
1.989,015
134,443
1,989,015
134,443
18.335
2,086.573
18.335
2.104,908
2.123,458
2,123.458
16 R•lat•d party transa¢tion•
During the year, Mr Aizul Haque TeceNed a total of £5.800 from zakal funds which were distributed to Ihe poor
and needy. hlr Amanat Ali received a lolal of £5.800 from zakat funds for Ihe Rehmal Trust for the distribution
lo the poor and needy. Sadat Trusl in which Mr Syed Mumlaz Hussain is a Trustee feceived £5,800 from zakat
funds for the distribution to the poor and needy. Mr M S Khan. General Secretary. recwved £5,800 Irorn zakat
distribution lo Ihe pool and needy.
12-