14 couples' MoneySavers, NS&I savings boost, free £2 teabags, Martin's energy help, free £25 + 0% spending, £70 off Ninja blender

Plus... cheapest-ever Samsung S21, 31mth 0% debt shift, £10-£50 London theatre tix

                                                           

16 February 2022 | View in browser

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THE TOP TIPS IN THIS EMAIL 14 MoneySaving tips for couples, including £1,220 tax break, free £300 bank bribe, year's 2for1 cinema for £1ish Free £25 cash OR free £25 in Nectar points on top 0% borrowing cards NS&I now pays 0.5% easy access - but most should seek higher rates elsewhere 40+ coupons, including free £2 Twinings teabags, free £1 flapjacks & more NS&I Green Savings Bond rate doubled to 1.3% - how does it compare? New. Shift existing card debt to 31 months 0% + get £25 cashback Martin's 10 energy crisis need-to-knows £70 off Ninja blender or multi-cooker Ends Sun. Cheapest Samsung S21 5G contract we've seen - '£28/month' Martin questions Chancellor on hidden student loan repayment hike We want your insider MoneySaving tricks £10-£50 London theatre tickets, including Frozen, Wicked and more Revealed: 50%+ would opt out of Govt's £200 energy 'loan-not-loan' Posh 'zero-plastic' shampoo bar for £4 (normally £12) 90% off one month's 'tailored' dog food Get Healthy Start vouchers for free fruit, milk and more? Change to a prepaid card NOW 'I got £2,450 in packaged bank account fees back' Last chance to complain about mis-sold Provident loans This week's best buys, including '£4.50/month' 12GB Sim, 2.8% loans Should I charge my boyfriend rent, even though I've no mortgage? BEST BUYS & TOOLS Cheap Energy Club, incl Pick Me A Tariff MSE Cheap Mobile Finder Credit Club incl free credit report 0% Balance Transfers Compare Broadband deals Cheap Car Insurance Best Bank Accounts Top Savings Accounts Credit Cards for Bad Credit Credit Card Eligibility Calculator Loans Eligibility Calculator Mortgage Comparison Free online complaints tool - Resolver Compare Travel Money Best Sim Only Deals

It takes two... 14 MoneySaving tips for couples - £1,200 tax break for two million couples - Free £300 for switching bank - Get 2for1 cinema & meals for a year for £1ish - Full service breakdown cover £55/year for two Whether you're love's young dream, married, living together, with or without kids, have swiped right with success or are even just good friends, when it comes to MoneySaving, it can pay to join forces. So we'll take the excuse of Valentine's Day to share our couples' MoneySaving tips - in the hope it's for richer (and not for poorer)... Married or civil partnered? Check if you qualify for a tax break worth up to £1,220. More than two million eligible couples miss out on this easy way to save on their tax bill. The marriage tax allowance allows a non-taxpaying spouse to shift 10% of their annual tax-free allowance to their basic-rate (20%) taxpaying partner. It's worth £252 this year, plus you can claim back up to four tax years, as long as you were eligible during that time - backdating can net a cheque for an extra £970. Niaz applied and tweeted us: "Thanks to you, we're just over £1,000 richer because I applied to HMRC for marriage tax allowance." Spend a romantic 10 minutes, er, switching bank accounts & make a FREE £300. A few banks PAY you up to £150 to switch to 'em - but if you've separate accounts, you can both do it and bag £300 between you. It's easy to do - just use the official switching service and it takes seven working days. Full info, including key eligibility criteria, is in Best bank accounts, but these are the big payers... - First Direct £150*, plus £250 0% overdraft and TOP service. - NatWest Reward £150* or RBS Reward £150*, plus £36/year cashback (£2/month fee). - Santander 123 Lite £140*, plus 1-3% cashback on bills (£2/month fee). - Nationwide FlexDirect £100, plus one-year 0% overdraft. - Virgin Money £100 experience voucher*, plus up to 5.02% interest. £55/year full service car breakdown cover for you and your other half. Newbies who get MSE long-time top pick AutoAid's* full service policy (comes with home start and onward travel) can get it for £55.49/year after £6 auto-cashback, if the car's under 16 years old. It covers you and your spouse/partner, so long as you both live at the same address. Similar cover from the big breakdown companies is £150+/couple. See full info in Cheap breakdown cover. Pay for travel & mobile phone insurance too? See if a packaged account could be cheaper.  Only pay for one Amazon Prime account between two. We're not saying you should get Amazon Prime, but if you have it, you can legitimately link your Amazon account with someone else in your household - and this works whether you're married, partners or just flatmates. If you live with your partner but you're not married... seriously consider a cohabitation agreement. There's no such thing as common law partners in the UK legal system. While married/civil-partnered couples have certain rights, there's much less set in stone for those who are unmarried, even if you've lived together for years, have kids, a home, a car and a dog. If you split up, it can be a real nightmare, particularly if you own a property or other assets together. That's why it's best to formalise your relationship. It might not sound very romantic, but it may save a lot of stress and heartache later on if you sadly do break up. See cohabitation agreements. Get 1/3 off train fares when Two (travel) Together. A Two Together Railcard gets 1/3 off most off-peak fares for two named adults when travelling together - so get one with your other half and you can cut the cost of your love train(s). It's usually £30 for a year, but we've a code that gets a digital Two Together Railcard for £20 - see Cheap train tickets.  Combine your spending power and get 5% cashback for SIX months. Cashback credit cards pay you for spending, and the big payer is the Amex Platinum Everyday* (best to check eligibility chances first), which gives 5% cashback for the first three months (up to a max of £100) and up to 1% after. But couples can get six months at 5%. Here's how: You apply and make your partner your second cardholder, so you get the 5% cashback for the first three months. Then, just before your 5% ends, your partner applies, making you a second cardholder, and gets a further three months at 5% (though you must spend £3k+/year per card to get ANY cashback). However, DON'T use cashback as an excuse to spend more than you normally would, and ensure you set up a direct debit to repay IN FULL each month to avoid the 24.5% rep APR interest, which would wipe the gain. Full help and other reward cards are in Credit card rewards (APR examples). When two become one... pay £1 for a YEAR'S 2for1 meals and 2for1 cinema tickets. A movie and a meal isn't always a cheap date, but the 2for1 meerkat trick gets you the restaurant discount from Sun to Thu and the flicks on Tue or Wed. Buying a first home? Get TWO 25% boosts of up to £1,000/year. This is a no-brainer for anyone 18-39 planning to buy their first home. With a Lifetime ISA, the state adds 25% on top of what you save, which can mean a free £1,000/year. If you're in a couple, you can both save into a LISA and double the bonus. And even if one of you isn't a first-time buyer, the other can still do it. If your partner's struggling with card debt, you can shift their debt to your 0% card. But should you? The ultimate way to cut the cost of existing credit or store card debt is a balance transfer. This is where you get a new card that pays off existing card(s) for you, so you owe it instead, but at 0%. It means more of your repayments clear the debt, rather than just covering the interest, so you're debt-free quicker, possibly saving £1,000s. But if your partner's credit score means they're struggling to get a new 0% card, and you have a good credit score, one solution is to apply for a 0% card and shift their debt to it. Yet this needs very careful consideration. Do this and it legally becomes YOUR debt to pay off, even if you split up. Never be forced or guilt-tripped into doing this if it doesn't feel right - IF IN DOUBT, DON'T. But if you're in a trusting relationship and happy to help them, here's how: Step 1: The person with the debt should use our Balance Transfer Eligibility Calculator - which shows the 0% cards they're likely to be accepted for, if any. Step 2: If they've limited eligibility, then some lenders allow you to shift your partner's debt to your card. So again, use the eligibility calculator to see what YOU may be accepted for, then look for these brands... Barclaycard, First Direct and HSBC have all confirmed they allow this. Santander and Virgin Money do too, but with both, your partner needs to be added as a second cardholder first, and may face a limited credit check. See Best balance transfers for the top-pick cards (APR examples). Warning: Beware the dark side of financially linking up with a loved one. While there can be perks, it's never a step to be taken lightly, no matter how well you think you know your other half. Financial abuse is when someone controls your finances or ability to earn money, so as to reduce your independence and force reliance. And, sadly, it's a form of abuse thousands in the UK suffer from. If a loved one is, for example, pressuring you to take out debt for them in your name, emotionally blackmailing you to pay their bills, or controlling access to your money, you could be a victim. Thankfully, financial abuse is legally recognised as a form of domestic abuse, and offenders can be prosecuted. Read Martin's Financial abuse blog for advice on how to spot the warning signs and where to get free help. Couples who share car insurance can often get cheaper cover. Adding your partner can slash car insurance costs - as long as they've a good driving record. This tip's useful when adding a responsible older driver if you're young, and can help partners cut costs too, as John emailed: "Got my renewal quote today - £368. Called insurance company and added my wife, the quote's now £303." Full info and loads more tips to slash costs in Cheap car insurance. If marriage has a nice ring to it, buy your diamond engagement ring... with Tesco Clubcard points. You can swap your Tesco points for a voucher at jewellers Goldsmiths worth three times the value, so a £600 sparkler costs just £200 worth of points. Our Forumites have long used this trick to snap up wedding rings, earrings and even a diamond eternity ring. Full help in Boost Tesco vouchers. You can both get up to £400 of travel, phone and breakdown insurance for £114 with a packaged bank account. Paying a monthly account fee can be a waste, yet done right - as a cheap way to buy insurance - it can be fruitful. Our top-pick packaged account for couples is Co-op Bank's Everyday Extra, as for £15/month (£180/year) you get worldwide travel insurance (up to age 79), plus smartphone insurance and UK and European breakdown cover - just add your partner as a joint account holder so they get the benefits too. A couple needing it all could pay up to £400/year separately. Full eligibility info and more options, including better family cover from Nationwide and Virgin Money, in Packaged bank accounts. What's mine is yours? It can be better NOT to share credit histories. No matter how deep your relationship, always be mindful when applying for a joint mortgage, loan, bank account and some utility bills, as this creates a financial link between you. If one of you has a poor credit history, this can impact the other's ability to access credit - so consider keeping finances separate. See our Credit score tips guide.

 

 

DON'T believe the fake 'Martin Lewis' or 'MSE' ads Lots of scam ads litter social media and even newspaper websites - some of these lie that we or Martin promote Bitcoin, binary trading etc. See Fake ads warning.

 

 

 

TWO top credit cards, each with TWO powerful perks... 1. Choose free £25 cash OR free £25 at Sainsbury's 2. Then if needed, they're both TOP 0% spending cards too: up to 24 months 0% After a dearth of decent credit card deals during the pandemic, lenders are once again thirsting for your custom. And this week, it's the supermarket banks battling it out, with two top 0% spending cards getting better. In both cases the card providers are trying to get you to spend, but both can be worked to grab a freebie AND cut the cost of any essential borrowing... Step 1. Nab a freebie. There are now two cards available that offer freebies to accepted new customers, and have a market-leading 0% deal (or close to it). Choose from... a) New. M&S Bank's* credit card (always best to check your acceptance odds first) now gives £25 cashback to newbies who spend £100 on it within the first 90 days (it's then credited to your account within two months). You also get one reward point (worth 1p in M&S vouchers) per £1 of spending in M&S or per £5 of spending elsewhere. b) Sainsbury's Bank's* credit card (again, it's best to check acceptance odds first) also offers a bonus worth £25 - though you'll need to be a Sainsbury's shopper to get it. New cardholders get 500 Nectar points (worth £2.50) for each £35+ spent at the store in the first two months, up to a max 5,000 points (£25). You also get the normal two points (worth 1p) per £1 spent at Sainsbury's and one (worth 0.5p) per £5 elsewhere. With both of these cards, only use them for normal spending - it's not an excuse to spend more. Make sure to pay the balance off IN FULL, and you've grabbed the freebie. Or...   Step 2. Both cards are TOP 0% spending deals, so if you need to borrow, you can't do so cheaper than this. Used right, there's no cost at all to borrow here, as these cards offer up to 24 months interest-free. Yet even though it's free, only borrow if you NEED to. That means for a planned, affordable purchase (for example, replacing a faulty fridge) - not to fill in gaps in your income. If in doubt, don't borrow. The Sainsbury's Bank* card now gives 'up to' 24 months at 0% (was 23 months) - the joint-longest time at 0% - though the 'up to' means some poorer credit scores may be offered just 16 months 0%. However, if you check acceptance odds first and our eligibility calculator shows you're 'pre-approved', you'll definitely get the full 24 months. The M&S Bank* card gives 23 months at 0% (check acceptance odds), and is the longest 0% card that gives all accepted customers a DEFINITE 0% period. See full options in 0% Spending. If you do borrow on these cards, make sure you follow the golden rules... a) Pay at least the monthly min and stick within your credit limit, or you can lose the 0% and get hit with fees. b) Plan to clear the card (or balance-transfer) before the 0% ends, or these cards charge 21.9% rep APR (APR Examples). c) Don't use these cards to withdraw cash - it's not at 0%. Will applying for these cards affect my creditworthiness? Any full application leaves a mark on your credit file, even if you're rejected (hence why we say use our eligibility calculator first to see if you'll likely be accepted). Lots of applications in a short space of time can have a small, negative impact for a few months. Yet for most with decent credit histories, you could apply to one card - or even both - and it shouldn't be a problem. However, it's best avoided if you have an important credit application (for example, a mortgage) coming up imminently.

 

40+ coupons, including free £2 Twinings teabags, free £1 flapjacks, £15 off £60 for Sainsbury's online newbies & more. See February's supermarket coupons round-up. NS&I doubles Green Savings Bond rate to 1.3% - so how does it now compare? Read our full analysis. Related: NS&I increases easy-access rates to 0.5%  New. Got credit card debt? Pay no interest for 31 months (1.99% fee) + get £25 cashback. A balance transfer shifts expensive card debt to a new card which charges 0% interest for a set time. M&S Bank's 31 month 0% deal* is one of the longest 0% deals, plus it gives £25 cashback if shifting £100+ within 90 days. So if you're transferring less than £1,250, the cashback covers the 1.99% fee (min £5), so it's effectively fee-free. Yet it's always best to use our 0% eligibility calculator first to check your acceptance odds. Golden rules: Always repay at least the monthly minimum, and clear the card before the 0% ends or it's 21.9% rep APR interest. Full help's in Top balance transfers (APR examples). Energy in crisis - Martin's 10 energy bill changes NEED-to-knows. A crucial update if you missed it last week - Martin clears up mass confusion about the dire 54% price cap hike, the £200 'loan-not-loan', whether you should fix now, the £150 council tax rebate and more. See Martin's energy update. £70 off Ninja food processor or multi-cooker via code. MSE Blagged. They normally cost £200, but our code gets 'em for £130 each. Ninja code Ends Sun. Cheapest Samsung Galaxy S21 5G contract we've seen - 100GB data for '£28/month'. MSE Blagged. Newish smartphones aren't MoneySaving, but if you'll buy a Samsung S21 anyway, at least do it the cheapest way - and now's a good time, as prices have dropped following last week's S22 launch. Until 11.59pm Sun, Three newbies can get a 128GB Galaxy S21 5G* with 100GB/month of data for £195 upfront, then £20/month via Fonehouse. That's £675 in total over the two-year contract - equivalent to £28/month, and £650 less than a similar deal from Three itself. Want a different handset? Use our Cheap Mobile Finder. Note: Three is responsible for the contract, Fonehouse for the handset. Martin questions Chancellor on hidden student loan repayment hike. Many uni leavers will pay £113/year more from April. Watch Martin's explainer & his challenge to the Chancellor. We want your insider MoneySaving tricks. What do you know because of your job that others don't? For example, do you work in a factory and make own-brand food next to branded? Or are you a car salesperson with top negotiating tips? Share your insider knowledge via email or the MSE Forum, and we'll round up the best. Pensions, pensions, pensions... Thu 8.30pm, ITV - The Martin Lewis Money Show. Over to Martin: "It's a pension special, so I'm joined by two pension pros to answer your private and company pension questions - including how it works, should you take your work pension, how and where to start a pension, how to find old pensions, pension transfers, the most efficient way to take cash out of a pension and more. It's a pre-record this week, so I can tell you in advance we get through a lot of must-know info. Don't miss it. Do watch or at least set the Betamax."

 

 

BLAGGED FOR MSE - £70 off Ninja food processor & multi-cooker Ends 27 Feb - Samsung Galaxy S21 with 100GB data '£28/mth' Ends Sun - 90% off one month's 'tailored' dog food Ends 27 Feb	DID YOU MISS? - Got 1st or 2nd class stamps? They're going to become unusable - Is now the time to get solar panels? - Treasury changes NI rise info after Martin says it's misleading - Base rate rises to 0.5% - what it means for your mortgage - Will your water bill increase in April? Some to rise up to 10%

 

 

Base rate savings boost New. NS&I raises easy-access rates to 0.5% (but most should seek higher rates - up to 0.73%) A couple of weeks ago, the Bank of England announced it had increased the base rate for the second time in as many months - a jump to 0.5%. Rising base rates are usually heralded as helping savers, yet most banks DON'T pass on rises. NS&I - the Treasury-backed savings provider - bucked this trend last week, raising its easy-access rates to 0.5%. We know many like saving with NS&I, so here's how it compares... NS&I increases easy-access rates to 0.5% - but should you save with it? NS&I now pays 0.5% AER variable on its easy-access Direct Saver (min £1, max £2m) and Income Bonds (min £500, max £1m) accounts, up from 0.35%. The rise means these accounts now aren't terrible for those with large amounts of savings who want to keep it all in one place and have it as near to 100% protected as you can get. We say it's protected as money in NS&I is backed by the Treasury (so it's safe unless the UK itself goes bust, in which case we've all got bigger problems). But other UK-regulated banks have a savings safety guarantee, which means up to £85,000 per person's protected. So most should actually just chase the best rates... The top easy-access accounts beat NS&I - get up to 0.73%. With these accounts, you can pay in and withdraw cash whenever you want - but rates are variable, so you need to monitor them in case they drop. Till 8am today (Wed), Ford Money pays 0.73% AER. Or, Cynergy Bank pays 0.71% AER, though the rate includes a 0.41% fixed one-year bonus. Both let you save from £1. Or see full options in top easy-access savings. Able to lock cash away? Boost rates up to 1.66%. Put money in fixed-rate savings, and the rate you get is locked in, as is your money - you can't withdraw it within that time. Full options, incl longer fixes paying up to 2.2%, in top fixed savings, but in brief... - 1year fix: App-only Tandem is the top payer at 1.45% AER (min £1), or Habib Bank Zurich pays 1.41% AER and can be opened online (min £5,000). - 2year fix: SmartSave is the top payer at 1.66% AER (min £10,000). If you've less, Tandem pays 1.65% AER from £1. Is now a good time to fix? It's a tough call. City analysts predict further base rate rises in 2022, so it's likely newbies' fixed savings rates will rise too. Yet if you wait, your money's not earning as much (or any) interest. Hedging towards shorter fixes may be the best of both worlds, as you get rate certainty, but you're not locked in for too long if rates do rise. Can you boost interest further? With inflation running at 5%+, most savings accounts are actually 'losings' accounts. The specialist accounts below can help you max returns - but can you get 'em? - 50% bonus for many on universal credit or tax credits. Find out if you're eligible for Help to Save. - 25% bonus for first-time buyers aged 18-39. Open one ASAP - full info in Top Lifetime ISAs. - If you have expensive debts, paying them off often beats saving. See Repay debts or save? - Earn up to 5% if you save each month. Big interest on smaller amounts - full info in Regular savings accounts. - Earn up to 2.02% on smaller savings. Some current accounts give higher rates, but with strict criteria. - Prefer to invest? Possibly much higher returns, but losses possible too - see Stocks & shares ISAs.

 

£10-£50 London theatre tickets sale, including Frozen, Only Fools & Horses and Wicked. This popular sale's been extended, so you can now book for shows till the end of March. London theatre Over half would opt out of Govt's £200 energy 'loan-not-loan', reveals MSE YouGov survey. The findings prompted Martin to call on the Chancellor to find another solution. See the full survey results and Martin's view. Posh 'zero-plastic' shampoo bar for £4 (normally £12). Lasts up to 60 washes. 20,000 available. Gruum 90% off one month's 'tailored' dog food (so £25 worth for just £2.50). MSE Blagged. Plus 30% off the second month. Add info about your dog and it creates a recipe especially for your furry friend. Tails dog food Get Healthy Start vouchers for free fruit, veg, milk and more? Change to a prepaid card NOW. Paper vouchers will be scrapped from March, so apply now for a prepaid card or payments will stop. Healthy Start shake-up 'I reclaimed £2,450 in packaged bank account fees on my late husband's account.' Our success of the week comes from Miriam, who complained about a mis-sold packaged bank account: "I claimed back packaged bank account fees (via MSE and Resolver) on my late husband's account - 10 years of fees plus interest amounting to £2,449.06. It only took just over a week. Thank you so much." Please send us your MoneySaving successes on this or anything else. Last chance to complain about mis-sold Provident Financial loans. If you were mis-sold a short-term loan by its Glo, Greenwood, Provident or Satsuma brands, you've only got until 28 February to get your complaint in. Provident help

 

 

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AT A GLANCE BEST BUYS 0% balance transfers Longest 0%: MBNA (check eligibility / apply*) up to 33 months 0%, 2.69% or 3.49% fee (21.9% rep APR) No-fee 0%: Sainsbury's Bank (check eligibility / apply*) up to 21 months 0% (20.9% rep APR) or 22 months 0% if you're a NatWest/RBS customer (21.9% rep APR) Top savings accounts Ends 8am today (Wed). Top standard easy access: Ford Money 0.73%, min £1 Top one-year fix: Tandem 1.45%, min £1 Car insurance Get comparison site quotes in this order: Compare The Market* Confused.com* MoneySupermarket.com* Gocompare* Cheap loans Cheapest, £5k-£7.5k: Sainsbury's Bank (check eligibility / apply*) - 3.3% rep APR for Nectar holders, 3.4% for others Cheapest, £7.5k-£15k: M&S Bank (check eligibility / apply*) - 2.8% rep APR Broadband top picks Standard (10Mb+): Plusnet '£13.14/mth' Fibre (30Mb+): Vodafone '£15.50/mth' Superfast fibre (55Mb+): Vodafone '£16.50/mth' Best bank accounts £150 to switch + TOP service: First Direct £150 to switch + £3/month cashback: NatWest Cheap Sims 4GB-9GB: Lebara '£4.28/mth' for 5GB, unlimited mins & texts 10GB+: Plusnet '£4.50/mth' for 12GB, unlimited mins & texts

 

THIS WEEK'S POLL Is it OK to use a 2for1 voucher on a first date? With Valentine's Day having just passed, it's the perfect time for our traditional poll - we want to know your opinion on whether it's OK to use a 2for1 voucher on a first date? Cuckoo and Zen tie for the broadband customer service crown. Over 20,000 people responded to last week's broadband customer service poll, voting small firms Cuckoo and Zen joint-top - with both scoring a 94% 'great' rating. Plusnet was best of the biggies at 51% 'great', while Virgin Media took the wooden spoon with 46% rating it 'poor'. See full broadband poll results.

 

 

MONEYSAVING NEWS - Top story: Online retailer Studio to appoint administrators - Buy now, pay later shoppers may be due refunds for wrongly charged late payment fees - Octopus to offer free electricity to smart meter customers who use less energy during peak hours - NatWest and RBS to close 32 branches - Fares for London bus and tube passengers to increase

 

 

MONEY MORAL DILEMMA Should I charge my boyfriend rent, even though I don't have a mortgage? My boyfriend lives with me in a house I own outright. While we split household bills equally between us, he doesn't pay anything to live there. I've been wondering whether to ask him for money for rent - or would that just be greedy? Enter the Money Moral Maze: Should I charge my boyfriend rent, even though I don't have a mortgage? | Suggest a Money Moral Dilemma

 

 

MARTIN'S APPEARANCES (WED 16 FEB ONWARDS) Thu 17 Feb - The Martin Lewis Money Show, ITV, 8.30pm MSE TEAM APPEARANCES (SOME SUBJECTS TBC) Sun 20 Feb - Meridian FM, The Sunday Review with Tim Graham, Helen Saxon on savings, from 10am Tue 22 Feb - BBC Radio Cambridgeshire, Mid-morning with Jeremy Sallis, from 12.40pm

 

A COFFEE AT SAINSBURY'S & DIY BEACH BBQS... WHAT'S THE BEST CHEAP DATE YOU'VE BEEN ON? That's all for this week, but before we go... as it's Valentine's week, MSE Forumites have been sharing their best cheap date stories. One romantic recalls DIY barbecues on the beach, while others told us of coffees in the Sainsbury's cafe or sharing ham and cheese sandwiches after a long walk. And we loved reading about the Forumite who saw a fellow diner get down on one knee and propose... right after paying for the meal with a voucher. Read more and share yours in the best cheap date you ever went on MSE Forum discussion. We hope you save some money, stay safe, The MSE team

 

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