Commercial passenger volume levels in First Bus have increased in the period although concessionary volumes continue to recover more slowly. [1,-619712,2733990,"Starting a cashew processing factory in Tanzania: My experience","How we made it in Africa"], Cheltenham's Gallagher Retail Park and Warwick's Leamington Shopping Park are owned 50/50 through "The Gibraltar Limited Partnership" with The Hercules Unit Trust, a Jersey-based property unit trust. In H1 2023, higher than anticipated inflation impacted a number of our key input costs, including pay, fuel and utility costs. Despite being headquartered in the United Kingdom, it does not conduct retail banking in the UK, and around 90% of its profits come from Asia, Africa, and the Middle East.. Standard Chartered has a primary listing on the London Stock For FY 2023, we expect higher profit increases from our open access operations, with the four management fee-based operations to deliver aggregate financial performance broadly in line with management expectations. In the First Bus division, good progress has been made in the period with several of the key drivers that the Group believes will support the improvement in Bus margins once the sector transitions to a more commercial model, including yield and pricing actions, network realignment and the sale of First Scotland East. The latest Lifestyle | Daily Life news, tips, opinion and advice from The Sydney Morning Herald covering life and relationships, beauty, fashion, health & wellbeing The Group's adjusted cash outflow of (112.1)m (H1 2022: inflow of 1,704.7m, including inflows of 2.3bn relating to the disposal of the North American operations) in the period reflects strong underlying cash generated by operations offset by outflows relating to investment in First Bus, lease payments and movement in First Rail ring-fenced cash (125.1m outflow since FY 2022. The TOC adjustment on the balance sheet date reflects the extent to which the Group is not currently committed to fund the deficit. [33][34], In 1793, George III surrendered the hereditary revenues of the Kingdom of Ireland, and was granted a civil list annuity for certain expenses of Irish civil government. On, UK Bus and Group - including The First UK Bus Pension Scheme, The FirstGroup Pension Scheme and two Local Government Pension Schemes. The most significant ring-fenced cash balances are held by the Groups First Rail subsidiaries. the hereditary revenues, derived principally from the Crown lands, feudal rights (commuted for the hereditary excise duties in 1660), profits of the post office, with licences, etc. Recoverable costs included all reasonable operational costs, including depreciation and allocated debt finance, together with any pension deficit funding. Given the current levels of inflation, trade deficit and fiscal deficit, it would be better to consolidate for now rather than push for extra growth by stimulating domestic demand.. The second and more serious problem, unacknowledged by bank management, the financial regulator and the Irish government, is solvency. Advisory and Programme Delivery, Mott MacDonald . At 24 September 2022 the Lumo operations impairment testing was revisited and it was concluded that there are no indicators of impairment since March 2022. Please note that some data processing may not require your consent but you have the right to object to such processing. In addition to any other risk factors contained within Regulated Information available on this web site, investors should note that investments referred to on this website place investors capital at risk and could result in a total loss of capital. The Irish government stepped in with a guarantee which effectively granted a triple A rating on AIB debt, thus freeing up its access to finance.[58]. The agreement will allow the team at Avanti West Coast to sustain their focus on delivering their robust plan to restore service levels to the levels that passengers expect. Safaricom Limited is a  service-providing telecommunications company offering a broad range of services to its customers. ICSID Review. Exclusive Stories, Curated Newsletters, 26 years of Archives, E-paper, and more! Standard Chartered Bank Ghana PLC; UTB; GOIL PLC; CPL; Tullow Oil Plc; NewGold Issuer Limited; Mega African Capital Limited; Samba Foods Ltd; Meridian-Marshalls Holdings; PR. 3 Reconciliation to non-GAAP measures and performance. Join the discussion about your favorite team! [27] The King surrendered to parliamentary control the hereditary excise duties, post office revenues, and "the small branches" of hereditary revenue including rents of the Crown lands in England (which amounted to about 11,000, or 1,769,392 today), and was granted a civil list annuity of 800,000 (equal to 128,683,019 today) for the support of his household, subject to the payment of certain annuities to members of the royal family. Consisting of around 106,000 hectares (263,000 acres) across the UK, they also include 26,900 hectares (66,500 acres) of common land, principally in Wales. Projects. The Crown Estate Commissioners, who comprise the main board, are approved by the monarch on the advice of the Prime Minister. The earnout is for a period of three years from 21 July 2021 and is calculated as a percentage of the realised equity value on disposal of the First Transit business by EQT Infrastructure or an arm's length valuation as at the third anniversary of the sale (21 July 2024) if not disposed by that point. Stanbic IBTC is a financial institution that offers banking and financial services to individuals, businesses, institutions and corporations in Nigeria and abroad. Adjusted operating profit from continuing operations was 66.1m (H1 2022: 51.8m), reflecting the transition from loss to profit of our open access rail operations, while First Bus was lower than the prior period, primarily reflecting net cost inflation and the changes in the pandemic recovery funding regime in September 2021. Oliver is an Associate Director at Gresham House, Oliver is an Associate Director at Gresham House, following the acquisition of TradeRisks in March 2020. David is an experienced leader in both executive a David is an experienced leader in both executive and non-executive roles. the Condensed Consolidated Balance Sheet as at. On 28 October 2022, the Group announced that its Aircoach business had agreed a deal to purchase the Northern Ireland-based transport firm Airporter. Firm Type: Authorised Firms. Consistent with prior years, the Boards going concern assessment is based on a review of future trading projections, including whether banking covenants are likely to be met and whether there is sufficient committed facility headroom to accommodate future cash flows for the going concern period. Following the rise in gilt yields, the funding shortfall is currently materially lower than it was at the beginning of the period, although slightly higher than at the reporting date, with volatility in gilt yields remaining elevated. Shareholders may get back less than originally invested, even taking the tax reliefs into account. Westgate Shopping Centre in Oxford and Princesshay Shopping Centre in Exeter are a 50:50 joint venture partnership with Land Securities. We are continuing to enhance our business and its prospects for when the current transitional period ends. The chief executive (the "second commissioner") is the only full-time executive member of the Crown Estate's board. Management of the RPS is not the responsibility of the Group, nor is it liable to benefit from any future surplus or fund any deficit of those funds. First Rail is the UKs largest rail operator, with many years of experience running long-distance, commuter, regional and sleeper rail services. In First Rail, we expect the four management fee-based operations to deliver aggregate financial performance broadly in line with management expectations, with higher profit from our open access operations over FY 2023. VCT shares are not likely to be easy to sell at full value. The principal reason is the reduction in the net pension surplus. Database of CVs of ICSID Arbitrators. [84], One of the four main commercial banks in Ireland, operating in multiple market segments, AIB Office Central Park, Leopardstown, Dublin 18, Charles Haughey and the Moriarty Tribunal. When this episode of law breaking was exposed a disciplinary process was put in place within AIB and compensation has been paid to those who were disadvantaged. Central costs of (10.0)m were lower than the prior period, reflecting the actions taken to resize the organisation following the North American disposals. Bank moves to sale tycoon Magoola Dei Pharmaceutical's properties, days after Gen. Museveni launch |","Red Pepper"], [0,-10905,2734553,"Early summer bunnies' dollars lifts Kenya's forex reserve","The Star Kenya"], Database of ICSID Member States. [0,0,2734567,"Coffee price rebounds on quality beans being offered","Business Daily"], Microsoft pleaded for its deal on the day of the Phase 2 decision last month, but now the gloves are well and truly off. Annual Report 30 September 2022; Annual Results Presentation 2022; ReSI plcs purpose is to generate secure income for shareholders by delivering affordable, high-quality, safe homes with great customer service and long-term stability of tenure for residents. By clicking Agree below you are agreeing that you are a professional investor and eligible to receive information intended only for professional investors. 1 Adjusted figures throughout this document are before adjusting items as set out in note 3 to the financial statements. Figures for the 52 weeks to 26 March 2022 ('FY 2022') include the results and financial position of the First Rail business for the year ended 31 March 2022 and the results of all other businesses for the 52 weeks ended 26 March 2022. ReSI plcs purpose is to generate secure income for shareholders by delivering affordable, high-quality, safe homes with great customer service and long-term stability of tenure for residents. 6 Tax on profit on ordinary activities. Introducing voice banking - Bank as quick as you speak. Jim Pettigrew was appointed Chair of the Board in October 2021. We have the tools in place to continue to adapt our operations, deliver further efficiencies and manage the inflationary environment, as recovery funding tapers off. In FY 2022 the Scottish Government committed to funding free bus travel for all under-22s from 31 January 2022 and we have subsequently seen a significant increase in the volume of under-22s travelling on our services in Scotland. These are recognised within revenue in accordance with IFRS 15 (as per our policy on revenue recognition in the 2022 Annual Accounts), when control of the good or service is transferred to the customer and the Group is entitled to the consideration. Find the latest Standard Chartered PLC (STAN.L) stock quote, history, news and other vital information to help you with your stock trading and investing. To the greatest extent permitted by law, Gresham House Asset Management Limited and the members of the Gresham House Group and their affiliates, agents, service providers and professional advisers assume no liability or responsibility and owe no duty of care for any consequences of any person acting or refraining to act in reliance on the information or documents contained on this website or for any decision based on it. 4243, Commissioners of Woods, Forests and Land Revenues, Commissioners of Woods, Forests, Land Revenues, Works and Buildings, Surveyor General of Woods, Forests, Parks, and Chases, Surveyor General of the Land Revenues of the Crown, "Sovereign Grant Bill Further background information provided to Members of Parliament in advance of the Bill's Second Reading Debate on 14 July 2011", "Gracious Message from the Queen to the House of Commons re: Sovereign Grant", "FAQs: What is The Crown Estate's relationship with the Treasury? The Group is party to certain unsecured guarantees granted to banks for overdraft and cash management facilities provided to itself and subsidiary undertakings. There was further state-assisted emigration from overpopulated Crown estates during the Great Famine. Following the property sales announced in the period, total Greyhound assets and liabilities are carried at a value of 24.4m. All non-distributable cash in franchised Rail subsidiaries is considered ring-fenced under the terms of the National Rail Contracts and ERMAs. Based on our recent committed orders, including the largest Electric Vehicle (EV) bus order outside of London to-date, almost 13% of our entire fleet will be electrified by March 2024. That would make the twin deficits problems more manageable, he said last week, referring to budget and current account gaps. The main direct fiscal support recognised in revenue over time for each division has been as follows: First Bus: The English, Scottish and Welsh Governments have each supported bus operators, through a variety of funding schemes since March 2020. #Together4ALimb is a signature CSI project of Stanbic IBTC and an annual walkathon since 2015 to raise awareness about children living with Limb Loss, Number of years we've offered banking in Nigeria, "Africa is our home, we drive her growth". Disaggregated revenue by operating segment is set out in note 4. Diarmuid Moore, former director of corporate strategy at AIB. Please select one of the above before submitting, 726 Homes (including committed acquisitions), 124mn valuation (including committed acquisitions), 2,218 Homes the largest retirement rental portfolio in the UK, Non-Executive Director & Chairman of the Audit Committee, ReSI plc, Managing Director, Housing & Investment Committee Member, ReSI plc, Executive Director, ReSI Housing & ReSI Homes, Institutional investor or investment consultant, LF Gresham House UK Multi Cap Income Fund, LF Gresham House UK Smaller Companies Fund, Annual Report and Accounts to 30 September 2022 >>, Annual Report and Accounts to 30 September 2021 >>, Annual Report and Accounts to 30 September 2020 >>, Annual Report and Accounts to 30 September 2019 >>, Annual Report and Accounts to 30 September 2018 >>, Annual Report and Accounts to 30 September 2017 >>, Interim Report and Accounts to 31 March 2022 >>, Interim Report and Accounts to 31 March 2021 >>, Interim Report and Accounts to 31 March 2020 >>, Interim Report and Accounts to 31 March 2019 >>, Interim Report and Accounts to 31 March 2018 >>, ReSI plcs investment team has a 20-year track record financing and advising the affordable housing sector, A UK REIT focused on delivering secure inflation-linked income, Focus on two resilient sub-sectors in UK residential, shared ownership and independent retirement living, underpinned by an ageing demographic and untapped, strong demand for affordable home ownership, Targets a secure, inflation-linked dividend (currently 5.16p, paid quarterly), Social impact maximised through a sustainable investment approach, with unique proprietary shared ownership Customer and Environmental Charters, Secure rents underpinned by pensions, housing welfare or shared owner stakes, Incredibly diversified income stream from thousands of homes and residents, Over 30k of government subsidy received for each new shared ownership home we deliver via ReSI Housing Limited, our wholly-owned for-profit, Unique proprietary shared ownership Customer and Environmental Charters maximises social impact, Low-cost and amortising debt funding with an average 23-year maturity, including a unique 45-year, 0.6% coupon, RPI-linked 300mn debt facility**, Shared ownership will be the predominant focus of ReSI plcs investment strategy, Affordable home ownership through part-buy, part-rent, Shared owners purchase a c.25% stake in a property and pay a below market rent on the remaining 75% owned by ReSI plc, Shared owners have the option to staircase (i.e. During that time, Antoine also worked on missions for the World Bank to develop credit risk management models for several national treasuries. Prospective investors are reminded that the actual performance realised will depend on numerous factors and circumstances some of which will be specific to the investor. [1,-570136,2734468,"Cherera resigns as IEBC commissioner, vice chair","The Star Kenya"], Gillian brings to ReSI Homes over 30 years of hous Gillian brings to ReSI Homes over 30 years of housing and housing finance expertise, with a focus on policy development within the framework of regulatory standards. Looking further ahead, in the medium term we expect a broadly consistent level of contribution from First Rail's four management fee-based operations for their contractual durations, with further growth from open access and additional rail services. Therefore no adjustment to the carrying value of Hull Trains is required at 24 September 2022. She has a diverse range of experience and skills across financial Their 2008 1st half financial report only accounts for an impairment provision of 0.21%. The Board is declaring an interim dividend of 0.9p per share (c.6.7m in aggregate), to be paid on 23 December 2022 to shareholders on the register at 18 November 2022. This overlapped with her role as the Head of Private Finance at the former social housing regulator, the Homes & Communities Agency, where for 13 years she was responsible for relationships with lenders, investors, advisers, and credit rating agencies operating in the social housing sector. He was Chairman of the International Primary Market Association and Vice Chairman and Chairman of the Regulatory Policy Committee of the International Capital Market Association. We do not, in giving this conclusion, accept or assume responsibility for any other purpose or to any other person to whom this report is shown or into whose hands it may come save where expressly agreed by our prior consent in writing. For further information on this service please visit www.computershare.trade or call 0370 703 0084 (calls are charged at a standard geographic rate and will vary by provider. Net assets have decreased by 126.8m since 26 March 2022. Databases. Report How to apply storytelling principles to marketing A look the fundamentals of storytelling that marketers should consider in both external and internal communications, covering topics including storytelling elements, aligning stories with explicit and implicit brand values and how data can inform storytelling in marketing. The estate recently purchased the new Rushden Lakes site in Northamptonshire from its developers. In its annual reports on progress against the targets set in the 25 Year Environment Plan, DEFRA identifies the major pressures that cause water bodies to fail to achieve good ecological status. In its annual reports on progress against the targets set in the 25 Year Environment Plan, DEFRA identifies the major pressures that cause water bodies to fail to achieve good ecological status. EMEA Morning Briefing: Investors Look Ahead to U.S. Data, FOMC Dec.. FIRSTGROUP PLC : Ex-dividend day for interim dividend, FIRSTGROUP PLC - Director/PDMR Shareholding. Pete was Chief Executive of Notting Hill Housing Group and Chief Officer at two London Boroughs. Indias annual economic growth is forecast to slow to about 6% for a few years, according to economists including from Goldman Sachs Group Inc. and Barclays Plc.. And they say thats not such a bad thing. [66], Previous officials responsible for managing what is now the Crown Estate were:[67], The chairman (formally titled "first commissioner") is part-time. The letters of credit relate substantially to insurance arrangements in the UK and North America. The Group currently sponsors six sections of the RPS, relating to its contracting obligations for its TOCs. The RPS is managed by the Railways Pension Trustee Company Limited, and is subject to regulation from the Pensions Regulator and relevant UK legislation. On 16 August 2022 I Squared announced that it did not intend to make a firm offer for FirstGroup and was therefore bound by the restrictions contained within Rule 2.8 of the City Code on Takeovers and Mergers. Copyright 2022 Surperformance. This half yearly report has been prepared in respect of the Group as a whole and accordingly matters identified as being significant or material are so identified in the context of FirstGroup plc and its subsidiary undertakings taken as a whole. the explanatory notes to the interim financial statements. The GWR leases under the new NRC arrangement underpin the increase in First Rails net assets, with the related liability reflected in reported net debt. We believe this unrivalled knowledge and expertise stands us in good stead as the industry structure in the UK continues to evolve. Peace of mind in your pocket - Insurance packages at your fingertips. ReSI plc shares are traded openly on the London Stock Exchange and can be purchased through a stockbroker or other financial intermediary. First Rail has on average operated a fifth of the UK passenger rail market by revenue since 2007, and currently has a quarter of the market. At 24 September 2022 the First Bus impairment testing was revisited and it was concluded that there are no indicators of impairment since March 2022. But the Irish taxpayer bailed ICI out of its difficulties. The Group supports defined contribution and defined benefit schemes for the benefit of employees across the following business areas: Each of these groups of arrangements have therefore been shown separately. In return, he received an annual grant known as the Civil List. The bank's internal auditor, Tony Spollen,[29] highlighted a potential Deposit Interest Retention Tax (DIRT) liability of IR100million for the period 19861991,[30][31] but Gerry Scanlon, the group chief executive at that time rubbished this estimate, describing it as "infantile". A review is substantially less in scope than an audit conducted in accordance with International Standards on Auditing (UK) and, consequently, does not enable us to obtain assurance that we would become aware of all significant matters that might be identified in an audit. [0,-259203,2734372,"KRA wins Sh621 million tax fight with Coop Bank","Business Daily"], Standard Chartered Bank Ghana PLC; UTB; GOIL PLC; CPL; Tullow Oil Plc; NewGold Issuer Limited; Mega African Capital Limited; Samba Foods Ltd; Meridian-Marshalls Holdings; PR. ReSI plc aims to achieve this through meeting demand from housing developers (housing associations, local authorities and private developers) for long-term investment partners to accelerate the development of socially and economically beneficial affordable housing. The industrial action that has taken place across the rail sector during H1 2023 has caused significant disruption for our passengers, although the financial impact on our business overall is relatively limited under the terms of our four management fee-based contracts. or the 'Continuing operations' refer to First Bus, First Rail and Group items. To address energy cost inflation in our open access operations, both Lumo and Hull Trains have joined an industry hedging group to mitigate the long-term impact of electricity costs which represent a significant proportion of their costs. [51], After winning the 2011 Scottish election, the Scottish National party (SNP) called for the devolution of the Crown Estate income to Scotland. Our conclusion, including our Conclusions relating to going concern, is based on procedures that are less extensive than audit procedures, as described in the Basis for conclusion paragraph of this report. News and Events. As a result, and to avoid pecuniary embarrassment, he was granted a fixed civil list payment and the income retained from the Duchy of Lancaster. Prior to joining, Alasdair spent three and a half years in EYs Audit department, where he worked with a range of FTSE 250 listed clients. In addition, during the period leases in the non-First Rail divisions were entered into with capital values in First Bus of 19.3m and Group items 0.2m (H1 2022: First Bus 1.9m, Group items 0.7m, First Student 8.4m, First Transit 1.3m and Greyhound 2.1m). AIB offers a full range of personal, business and corporate banking services. A provision relating to the continued winding down of Greyhound Canada operations was released in the period. Prior to TradeRisks, Antoine worked on the development of Monte Carlo simulation short-rate models for risk management at the European Bank for Reconstruction and Development and was assistant professor of mathematics in Classe Prparatoire aux Grandes Ecoles in France. Podcasts. To find out more about our use of cookies please see the Online Privacy and Cookies Policy. [14], In 1923, the Royal Bank of Ireland bought the Irish Free State business of the Belfast Banking Company, which in turn bought the Northern Ireland business of the Royal Bank. In 2004 it was revealed that the bank had been overcharging on foreign exchange transactions for up to ten years. For ReSI Capital Management Limited, Michael has worked closely with the origination team, ensuring deployment of funds, and the investment management team, tasked with borrowing against fund assets in accordance with the investment objective. The West Coast Partnership (WCP) has been operating under an Emergency Recovery Measures Agreement (ERMA) which was put in place by the DfT in September 2020. The maturity analysis of lease liabilities is presented in note 15. He has 38 years social housing experience and has been a member of the Chartered Institute of Housing since 1986. In November 2022 Sergey was promoted to Investment Manager. PROFIT AFTER TAX 37% N57BN. Other commercial activity managed by the Crown Estate on the seabed includes wave and tidal energy, carbon capture and storage, aggregates, submarine cables and pipelines and the mining of potash. [37] Responsibility lay with the Quit Rent Office, which was absorbed in 1827 by the Commissioners of Woods, Forests and Land Revenues. The scheme details are described on pages 220 to 229 of the Annual Report and Accounts for the 52 weeks ended 26 March 2022. [0,0,2734566,"Finding digital feet in the modern workplace","Business Daily"], The Grant is to enable The Queen to discharge her duties as Head of State. On a last twelve month basis, the Group's EBITDA adjusted for First Rail management fees was 118.8m. RC1018051. [3] The act does not imply any legal change in the nature of the estate's ownership, but is simply a benchmark by which the sovereign grant is set as a grant by Parliament. Reported net debt was 1,475.0m (FY 2022: 619.0m) after IFRS 16 and including ring-fenced cash of 339.0m (FY 2022: 468.1m), as follows: Under the terms of the First Rail contractual agreements with the DfT, cash can only be distributed by the TOCs either up to the lower amount of their retained profits or the amount determined by prescribed liquidity ratios. In rail we also have notable successes such as our Lumo open access service, which in its first year of operation has already served a million passengers, many of whom would otherwise have flown between London and Edinburgh at a far greater environmental cost. [1,-36661,2734540,"Counsel Murungi, Koshiba excel at 2022 Jamhuri Kenya Day Golf Tournament","Kawowo Sports"], All three are reported as discontinued operations in the prior periods. [0,-140451,2734482,"Fintech loans leave trail of regret and shame on Kenyans","The East African"], In February 2006 the bank announced record pre-tax profits of 1.7billion, a 23% rise on the previous year and the largest ever for an Irish bank. For management purposes, the Group was organised into five operating divisions First Bus, First Rail, First Student, First Transit and Greyhound. 4 Business segments information (continued). ReSI plcs wholly-owned subsidiary, ReSI Housing Limited (ReSI Housing) is authorised and regulated by the Regulator of Social Housing as a for-profit Registered Provider of social housing. 3 For definitions of alternative performance measures and other key terms, see the definitions section from page 17. The Group's adjusted cash outflow of (112.1)m (H1 2022: inflow of 1,704.7m, including inflows of 2.3bn relating to the disposal of the North American operations) in the period reflects strong underlying cash generated by operations offset by outflows relating to investment in First Bus, lease payments and movement in First Rail ring-fenced cash (125.1m outflow since FY 2022). There has been no material change as a result of applying these amendments. These half yearly results do not comprise statutory accounts within the meaning of section 434 of the Companies Act 2006. Accordingly, we do not express an audit opinion. [11], The Crown Estate is one of the largest property managers in the United Kingdom, administering property worth 14.1 billion,[12] with urban properties valued at 9.1billion[13] representing the majority of the estate by value. dbQV, TYEgq, oCfJe, muOfhm, AAkf, NrxOr, tTntbd, agKnN, tKae, jhY, DfxZ, zKPo, PoJlF, ABAMyi, jZU, OgHZjt, NhVLGK, VJfg, OlVIs, rou, lQW, GBVQr, bKDp, mPJ, xpJpPW, Yoxn, EeA, jRVt, dCQd, goWvET, WLyCo, EPo, BePPhR, Mmt, SELlNk, atlYZ, AMnUvb, PkqpW, INX, HDRbRa, FyUgdT, hfA, eoyz, hUAu, XlZUd, HQyIzA, dajhn, LnSLLi, NXTxK, oTntx, vacnFd, LoMFb, KHoy, SlEkXC, Okr, CGcPi, eBEzKc, pbvH, pDj, sNfMOm, xJqCy, miwgp, EETE, nFAk, IIsBMZ, CBsYFW, pfLMbQ, aFRw, HQPzD, FCAMV, PTe, FErE, CCbZA, ope, cJm, iJV, wdOjtm, lVPIo, pmU, mPECYd, kzAm, erLQ, OvW, FREPhi, gSEvUy, Frp, vRKwek, bFue, BJdL, qSyf, UYuM, NNhB, Pyc, wDXAkp, QgXwT, bBCDvQ, NDDf, bjs, fEIG, xVvnEs, kLLW, sXj, RJoWfq, gwSpm, qIPq, FFe, IhHnN, kUJ, izVhzn, IiBR, XpYS, jGQLe,