General Contractor Agreement (England and Wales)

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When a general contractor is engaged to perform or oversee work on an individual’s home it is important that the terms of that work are clearly spelled out in a written agreement. This agreement allows the parties to manage their expectations and ensure that each understands exactly what is expected of them. A general contractor agreement should set out the work to be performed, the quality of work expected by the customer and promised by the contractor (including the types of materials to be used) and the terms and conditions under which that work will be performed.

Among others, this form contains the following provisions:
  • Scope of Work to be Performed
  • Schedule and Price Provisions
  • Indemnification and Arbitration Provisions
  • General Provisions
This lawyer-prepared packet contains:
  1. General Information
  2. General Contractor Agreement for England and Wales
Law Compliance: This form complies with the laws of England and Wales
This is the content of the form and is provided for your convenience. It is not necessarily what the actual form looks like and does not include the information, instructions and other materials that come with the form you would purchase. An actual sample can also be viewed by clicking on the "Sample Form" near the top left of this page.












General Contractor Agreement
(England and Wales)








This Packet Includes:
1. General Information
2. General Contractor Agreement






Information
General Contractor Agreement

This kit is designed to assist you in the preparation of a general contractor agreement for the performance of home repair/improvement.

When a general contractor engages to perform and/or oversee work on an individuals home, it is important that the terms of that work are spelled out clearly in an agreement between the parties.  This allows the parties to manage their expectations, and ensure that each understands exactly what is expected of them by the other.  Thus, a good general contractor agreement will spell out clearly the kind of work to be performed, the quality of work expected by the customer and promised by the contractor (including the types of materials to be used), and the terms and conditions under which that work will be performed.

Included below is a sample general contractor agreement that you can use as a guide to prepare your own agreement.  Complete the agreement to fit your specifications.  The sample includes italicized instructions and guidelines; you should delete these portions before completing your agreement.

PLEASE NOTE:  Many localities have enacted rules and regulations regarding the contents of home repair/improvement agreements.  You are advised to check what requirements may be in effect in your area and make any necessary changes to this sample form to ensure that your final general contractor agreement complies with all local requirements.
 
OTHER FORMS
There are other forms and agreements that are part of a more complete picture of the work to be performed by a general contractor.  The forms below are available at www.findlegalforms.com, and may help you to organize your home improvement project clearly and professionally:
   Contractor Bid/Proposal Form
   Change Order Form
   Invoice Form
   Subcontractor Services Agreements
   Release/Waiver of Liens






HOME IMPROVEMENT GRANTS



In England and Wales, Home Improvement Grants are offered by local councils and are made available for people who need home improvements to improve their quality of life. The local council grants available do differ from council to council, so if you want to avail such Home Improvement Grants, it is important that you contact your local council with regards to the home improvements available. Each council also has certain rules which must be adhered to and although the rules can be different depending on that councils grant, they all must by law, not discriminate against age, sexuality, race, religion or disability.

Home improvements grants have been designed to help people who need to repair, update or modify their homes to make their life less difficult with regards to everyday living. The grants do not just state that they will fit certain equipment or carry out a particular job; they in fact offer many variations to the help you. Whether it be providing you with the tools and materials to carry out the improvements yourself, or if it proves to be a better option buying a new home for you rather than updating your own home, if that proves to be the most effective way to improve your living conditions. This would be done in the form of a grant or a loan and it may be that your home is demolished and rebuilt; again, this would be in the form of a grant or a loan. It all depends on your circumstances and what proves to be the best option for you along with what options your council offers.

If you are unsure what your rights are with regards to this you can always speak to the Citizens Advice Bureau after an offer has been made by your council, but before your acceptance with regard to the length of time you have to repay your grant or loan. In some cases you will find the timescale of the loan in the Terms and Conditions, but often councils do not state what the timescale is so make sure you clarify this with them. Once you are aware of the timescale of the loan this must be kept to, just as you would if it was any other type of loan.






















DISCLAIMER:

FindLegalForms, Inc. (“FLF”) is not a law firm and does not provide legal advice.  The use of these materials is not a substitute for legal advice. Only a solicitor can provide legal advice.  A solicitor should be consulted for all serious legal matters.  No Solicitor-Client relationship is created by use of these materials.  

THESE MATERIALS ARE PROVIDED “AS-IS.  FLF DOES NOT GIVE ANY EXPRESS OR IMPLIED WARRANTIES OF MERCHANTABILITY, SUITABILITY OR COMPLETENESS FOR ANY OF THE MATERIALS FOR YOUR PARTICULAR NEEDS.  THE MATERIALS ARE USED AT YOUR OWN RISK.  IN NO EVENT WILL:  I) FLF, ITS AGENTS, PARTNERS, OR AFFILIATES; OR II) THE PROVIDERS, AUTHORS OR PUBLISHERS OF ITS MATERIALS, BE RESPONSIBLE OR LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES (INCLUDING, BUT NOT LIMITED TO, PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES; LOSS OF USE, DATE OR PROFITS; OR BUSINESS INTERRUPTION) HOWEVER USED AND ON ANY THEORY OF LIABILITY, WHETHER IN CONTRACT, STRICT LIABILITY, OR TORT (INCLUDING NEGLIGENCE OR OTHERWISE) ARISING IN ANY WAY OUT OF THE USE OF THESE MATERIALS. 



General Contractor Agreement

CONTRACTOR
Name:     
Address:         
Phone:     
Business License #:     
FEIN#:     
Salesperson Contact:     
Salesperson ID#:     
CUSTOMER
Name:     
Home Address:         
Home Phone:     
Business Phone:     

PROJECT ADDRESS
Address:     



THIS AGREEMENT (the “Agreement”), made as of this          day of               , 20     , is by and between the Contractor and Customer as set forth above (collectively, the “Parties”).

In consideration of the mutual promises and covenants contained herein, the Parties agree as follows:

1.  Scope of Work.  Contractor shall perform the home repair and/or improvement work specified in Appendix A (the “Work”).  The Work shall be performed on the premises located at the Project Address noted above (the “Project Address”), and according to the terms set forth on Appendix A, including the types and quality of materials to be used.

2.  Schedule.  The Work shall be commenced no later than           , 20_______, and shall be completed no later than                   , 20   .  The following portions of the Work or milestones shall be met according to the following schedule:

Description of Work to be Completed
Completion Date








 (mark one if applicable)
[ ]  Time is of the essence for all schedule deadlines.
[ ]  Time is of the essence for final completion of the Work.

3.  Price.  Customer shall pay to Contractor for the performance of its obligations under this Agreement the total amount of Sterling Pounds (£)         , according to the following schedule of payments:      (i.e., total amount due upon completion; progress payments due upon the completion of certain segments of work, etc.)                                                                                             .

4.  Subcontractors.  Contractor may approve and hire subcontractors (the “Subcontractors) to perform certain elements of the Work.  Any Subcontractors so hired by Contractor shall be compensated by Contractor.   Contractor shall also be responsible for the quality of the work performed by each Subcontractor, and for the quality of the final product of the Work.

5.  Notice of Right to Cancel.  Customer has        days after the execution of this Agreement during which time he/she has the right to rescind his/her signature and cancel this Agreement.  

6.  Release.  To the extent permitted by applicable law, Contractor agrees to look solely to its insurers, and does hereby release and waive any and all rights it has now, or may in the future have, to recover against Customer, its trustees, beneficiaries, general and limited partners, officers, agents, servants, affiliates, or employees (collectively the "Releasees"), or the property of any of said Releasees, for loss or damage to property, or personal injury or death (including, but not limited to, claims for damage to property of Contractor and injury to, or death of, employees of Contractor and claims for contribution or indemnity or for reimbursement of workers' compensation benefits), in any way relating to or resulting from the Work.  Contractor hereby waives all rights of subrogation of its insurers with respect to claims against Releasees.

7.  Indemnification.  Contractor hereby indemnifies and holds harmless Customer against any damages, claims, suits, or other expenses for which Customer may be held liable by reason of injury (including death) to any person (including employees of Contractor or any Subcontractor) or damage to any property arising out of the performance of the Work or caused by negligence of the Contractor, Subcontractor, or any employee, service provider, independent contractor, subsidiary, assign, or other affiliate of Contractor or of any Subcontractor.

8.  Arbitration.  Any dispute, claim or controversy arising out of this Agreement or the interpretation, construction, breach or termination of this Agreement, shall be settled by an arbitrator in              (City)       according to the rules of the Arbitration Act 1996.  The ruling of the arbitrator shall be final and binding upon the Parties.  Judgment may be entered on any award made by the arbitrator in any court of competent jurisdiction.  The costs of any arbitration pursuant to this Section 8 shall be borne by the Parties equally, except that each Party will be responsible for its own solicitors fees and expenses.  The arbitrator is empowered, but not required, to apportion the costs of the arbitration (including solicitors fees and expenses) to the Parties as it sees fit.

9. Warranties. The Contractor warrants the following:

   a.  The Work shall be performed by Contractor with reasonable care and skill and in a professional and workmanlike manner, in compliance with all applicable laws, rules and building regulations.

   b.  Any materials or goods the Contractor supply will be: (i) new and of satisfactory quality; (ii) of the description you give for their type, as far as possible; (iii) of the appropriate British standard and codes of practice; and (iv) fit for their normal purposes.

10. Liquidated Damages.

If the Contractor neglects, fails, or refuses to complete the Work within the specified time schedule, the Contractor does hereby agree to pay to the Customer, as liquidated damages and not as a penalty, the sum of £_______________ per day for each calendar day beyond the dates set forth in Schedule that the Contractor fails to achieve. The said amount is fixed and agreed on by and between the Contractor and the Customer because of the impracticability and extreme difficulty of fixing and ascertaining the true value of the damages which the Customer will sustain by failure of the Contractor to complete the Work on time, such as loss of revenue, service charges, interest charges, delays caused to other construction activities of Customer by failure to perform this Agreement, and other damages, some of which are indefinite and not susceptible of easy proof, said amount is agreed to be a reasonable estimate of the amount of damages which the Customer will sustain and said amount shall be deducted from any monies due or that may become due to the Contractor, and if said monies are insufficient to cover said damages, then the Contractor shall pay the amount of the difference.

11.  General Provisions.
a.   Any changes to the terms of this Agreement, including additional services or work to be performed, or additional funds to be paid, must be evidenced in writing, signed by both Parties.
b.   All of the Work shall be performed by Contractor (or by approved subcontractors) in a professional and workmanlike manner, in compliance with all applicable laws, rules and regulations.
c.   Contractor shall acquire and maintain all permits and licenses necessary for the lawful performance of the Work.  Contractor shall be responsible for ensuring that each Subcontractor also acquires and maintains all permits and licenses necessary for the performance of that Subcontractors work under this Agreement.
d.   Contractor shall perform the Work as an independent contractor, and nothing in this Agreement shall be construed to suggest an employer/employee relationship between the Parties.
e.   Upon completion of the Work, Contractor shall leave the premises at the Project Address broom clean and free of trash and debris.
f.   Contractor shall not be responsible for any delay in performance or completion of the Work cause by circumstances outside of the control of Contractor or of any Subcontractor, including acts of god, strikes, or unavailability of materials.
g.   In the event that payment to Contractor is delayed beyond a scheduled payment date as set forth above, Contractor may cease work under this Agreement without penalty or breach, pending payment of the delinquent amount by Customer.
h.   Contractor shall furnish Customer will all appropriate releases or waivers of liens as payment is received for work performed, including such releases and waivers from Subcontractors as may be necessary.
i.   This Agreement shall be governed by the laws of England and Wales, without regard to conflicts of laws principles.
j.   This Agreement constitutes the entire agreement between the Parties, and supersedes any prior understanding or representation of any kind preceding the date of this Agreement. There are no other promises, conditions, understandings or other agreements, whether oral or written, relating to the subject matter of this Agreement.
k.   If any part or parts of this Agreement shall be held unenforceable for any reason, the remainder of this Agreement shall continue in full force and effect. If any provision of this Agreement is deemed invalid or unenforceable by any court of competent jurisdiction, and if limiting such provision would make the provision valid, then such provision shall be deemed to be construed as so limited.


IN WITNESS WHEREOF, the parties have caused this Agreement to be executed the day and year first above written.

CONTRACTOR

                  _____
Signature

                  _____
Print Name

                  _____
Title

                  _____
Date
CUSTOMER

                  _____
Signature

                  _____
Print Name

                  _____
Date


Appendix A

WORK ORDERED

Item No.
Description of Work



(Describe all work to be performed under this Agreement.  Include specification of the types of materials to be used, including brand, make, quality, etc., as necessary.  Attach any drawings, schematics, or other materials that may be necessary.)



































































Number of Pages9
DimensionsDesigned for Letter Size (8.5" x 11")
EditableYes (.doc, .wpd and .rtf)
UsageUnlimited number of prints
Product number#33918
This is the content of the form and is provided for your convenience. It is not necessarily what the actual form looks like and does not include the information, instructions and other materials that come with the form you would purchase. An actual sample can also be viewed by clicking on the "Sample Form" near the top left of this page.












General Contractor Agreement
(England and Wales)








This Packet Includes:
1. General Information
2. General Contractor Agreement






Information
General Contractor Agreement

This kit is designed to assist you in the preparation of a general contractor agreement for the performance of home repair/improvement.

When a general contractor engages to perform and/or oversee work on an individuals home, it is important that the terms of that work are spelled out clearly in an agreement between the parties.  This allows the parties to manage their expectations, and ensure that each understands exactly what is expected of them by the other.  Thus, a good general contractor agreement will spell out clearly the kind of work to be performed, the quality of work expected by the customer and promised by the contractor (including the types of materials to be used), and the terms and conditions under which that work will be performed.

Included below is a sample general contractor agreement that you can use as a guide to prepare your own agreement.  Complete the agreement to fit your specifications.  The sample includes italicized instructions and guidelines; you should delete these portions before completing your agreement.

PLEASE NOTE:  Many localities have enacted rules and regulations regarding the contents of home repair/improvement agreements.  You are advised to check what requirements may be in effect in your area and make any necessary changes to this sample form to ensure that your final general contractor agreement complies with all local requirements.
 
OTHER FORMS
There are other forms and agreements that are part of a more complete picture of the work to be performed by a general contractor.  The forms below are available at www.findlegalforms.com, and may help you to organize your home improvement project clearly and professionally:
   Contractor Bid/Proposal Form
   Change Order Form
   Invoice Form
   Subcontractor Services Agreements
   Release/Waiver of Liens






HOME IMPROVEMENT GRANTS



In England and Wales, Home Improvement Grants are offered by local councils and are made available for people who need home improvements to improve their quality of life. The local council grants available do differ from council to council, so if you want to avail such Home Improvement Grants, it is important that you contact your local council with regards to the home improvements available. Each council also has certain rules which must be adhered to and although the rules can be different depending on that councils grant, they all must by law, not discriminate against age, sexuality, race, religion or disability.

Home improvements grants have been designed to help people who need to repair, update or modify their homes to make their life less difficult with regards to everyday living. The grants do not just state that they will fit certain equipment or carry out a particular job; they in fact offer many variations to the help you. Whether it be providing you with the tools and materials to carry out the improvements yourself, or if it proves to be a better option buying a new home for you rather than updating your own home, if that proves to be the most effective way to improve your living conditions. This would be done in the form of a grant or a loan and it may be that your home is demolished and rebuilt; again, this would be in the form of a grant or a loan. It all depends on your circumstances and what proves to be the best option for you along with what options your council offers.

If you are unsure what your rights are with regards to this you can always speak to the Citizens Advice Bureau after an offer has been made by your council, but before your acceptance with regard to the length of time you have to repay your grant or loan. In some cases you will find the timescale of the loan in the Terms and Conditions, but often councils do not state what the timescale is so make sure you clarify this with them. Once you are aware of the timescale of the loan this must be kept to, just as you would if it was any other type of loan.






















DISCLAIMER:

FindLegalForms, Inc. (“FLF”) is not a law firm and does not provide legal advice.  The use of these materials is not a substitute for legal advice. Only a solicitor can provide legal advice.  A solicitor should be consulted for all serious legal matters.  No Solicitor-Client relationship is created by use of these materials.  

THESE MATERIALS ARE PROVIDED “AS-IS.  FLF DOES NOT GIVE ANY EXPRESS OR IMPLIED WARRANTIES OF MERCHANTABILITY, SUITABILITY OR COMPLETENESS FOR ANY OF THE MATERIALS FOR YOUR PARTICULAR NEEDS.  THE MATERIALS ARE USED AT YOUR OWN RISK.  IN NO EVENT WILL:  I) FLF, ITS AGENTS, PARTNERS, OR AFFILIATES; OR II) THE PROVIDERS, AUTHORS OR PUBLISHERS OF ITS MATERIALS, BE RESPONSIBLE OR LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES (INCLUDING, BUT NOT LIMITED TO, PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES; LOSS OF USE, DATE OR PROFITS; OR BUSINESS INTERRUPTION) HOWEVER USED AND ON ANY THEORY OF LIABILITY, WHETHER IN CONTRACT, STRICT LIABILITY, OR TORT (INCLUDING NEGLIGENCE OR OTHERWISE) ARISING IN ANY WAY OUT OF THE USE OF THESE MATERIALS. 



General Contractor Agreement

CONTRACTOR
Name:     
Address:         
Phone:     
Business License #:     
FEIN#:     
Salesperson Contact:     
Salesperson ID#:     
CUSTOMER
Name:     
Home Address:         
Home Phone:     
Business Phone:     

PROJECT ADDRESS
Address:     



THIS AGREEMENT (the “Agreement”), made as of this          day of               , 20     , is by and between the Contractor and Customer as set forth above (collectively, the “Parties”).

In consideration of the mutual promises and covenants contained herein, the Parties agree as follows:

1.  Scope of Work.  Contractor shall perform the home repair and/or improvement work specified in Appendix A (the “Work”).  The Work shall be performed on the premises located at the Project Address noted above (the “Project Address”), and according to the terms set forth on Appendix A, including the types and quality of materials to be used.

2.  Schedule.  The Work shall be commenced no later than           , 20_______, and shall be completed no later than                   , 20   .  The following portions of the Work or milestones shall be met according to the following schedule:

Description of Work to be Completed
Completion Date








 (mark one if applicable)
[ ]  Time is of the essence for all schedule deadlines.
[ ]  Time is of the essence for final completion of the Work.

3.  Price.  Customer shall pay to Contractor for the performance of its obligations under this Agreement the total amount of Sterling Pounds (£)         , according to the following schedule of payments:      (i.e., total amount due upon completion; progress payments due upon the completion of certain segments of work, etc.)                                                                                             .

4.  Subcontractors.  Contractor may approve and hire subcontractors (the “Subcontractors) to perform certain elements of the Work.  Any Subcontractors so hired by Contractor shall be compensated by Contractor.   Contractor shall also be responsible for the quality of the work performed by each Subcontractor, and for the quality of the final product of the Work.

5.  Notice of Right to Cancel.  Customer has        days after the execution of this Agreement during which time he/she has the right to rescind his/her signature and cancel this Agreement.  

6.  Release.  To the extent permitted by applicable law, Contractor agrees to look solely to its insurers, and does hereby release and waive any and all rights it has now, or may in the future have, to recover against Customer, its trustees, beneficiaries, general and limited partners, officers, agents, servants, affiliates, or employees (collectively the "Releasees"), or the property of any of said Releasees, for loss or damage to property, or personal injury or death (including, but not limited to, claims for damage to property of Contractor and injury to, or death of, employees of Contractor and claims for contribution or indemnity or for reimbursement of workers' compensation benefits), in any way relating to or resulting from the Work.  Contractor hereby waives all rights of subrogation of its insurers with respect to claims against Releasees.

7.  Indemnification.  Contractor hereby indemnifies and holds harmless Customer against any damages, claims, suits, or other expenses for which Customer may be held liable by reason of injury (including death) to any person (including employees of Contractor or any Subcontractor) or damage to any property arising out of the performance of the Work or caused by negligence of the Contractor, Subcontractor, or any employee, service provider, independent contractor, subsidiary, assign, or other affiliate of Contractor or of any Subcontractor.

8.  Arbitration.  Any dispute, claim or controversy arising out of this Agreement or the interpretation, construction, breach or termination of this Agreement, shall be settled by an arbitrator in              (City)       according to the rules of the Arbitration Act 1996.  The ruling of the arbitrator shall be final and binding upon the Parties.  Judgment may be entered on any award made by the arbitrator in any court of competent jurisdiction.  The costs of any arbitration pursuant to this Section 8 shall be borne by the Parties equally, except that each Party will be responsible for its own solicitors fees and expenses.  The arbitrator is empowered, but not required, to apportion the costs of the arbitration (including solicitors fees and expenses) to the Parties as it sees fit.

9. Warranties. The Contractor warrants the following:

   a.  The Work shall be performed by Contractor with reasonable care and skill and in a professional and workmanlike manner, in compliance with all applicable laws, rules and building regulations.

   b.  Any materials or goods the Contractor supply will be: (i) new and of satisfactory quality; (ii) of the description you give for their type, as far as possible; (iii) of the appropriate British standard and codes of practice; and (iv) fit for their normal purposes.

10. Liquidated Damages.

If the Contractor neglects, fails, or refuses to complete the Work within the specified time schedule, the Contractor does hereby agree to pay to the Customer, as liquidated damages and not as a penalty, the sum of £_______________ per day for each calendar day beyond the dates set forth in Schedule that the Contractor fails to achieve. The said amount is fixed and agreed on by and between the Contractor and the Customer because of the impracticability and extreme difficulty of fixing and ascertaining the true value of the damages which the Customer will sustain by failure of the Contractor to complete the Work on time, such as loss of revenue, service charges, interest charges, delays caused to other construction activities of Customer by failure to perform this Agreement, and other damages, some of which are indefinite and not susceptible of easy proof, said amount is agreed to be a reasonable estimate of the amount of damages which the Customer will sustain and said amount shall be deducted from any monies due or that may become due to the Contractor, and if said monies are insufficient to cover said damages, then the Contractor shall pay the amount of the difference.

11.  General Provisions.
a.   Any changes to the terms of this Agreement, including additional services or work to be performed, or additional funds to be paid, must be evidenced in writing, signed by both Parties.
b.   All of the Work shall be performed by Contractor (or by approved subcontractors) in a professional and workmanlike manner, in compliance with all applicable laws, rules and regulations.
c.   Contractor shall acquire and maintain all permits and licenses necessary for the lawful performance of the Work.  Contractor shall be responsible for ensuring that each Subcontractor also acquires and maintains all permits and licenses necessary for the performance of that Subcontractors work under this Agreement.
d.   Contractor shall perform the Work as an independent contractor, and nothing in this Agreement shall be construed to suggest an employer/employee relationship between the Parties.
e.   Upon completion of the Work, Contractor shall leave the premises at the Project Address broom clean and free of trash and debris.
f.   Contractor shall not be responsible for any delay in performance or completion of the Work cause by circumstances outside of the control of Contractor or of any Subcontractor, including acts of god, strikes, or unavailability of materials.
g.   In the event that payment to Contractor is delayed beyond a scheduled payment date as set forth above, Contractor may cease work under this Agreement without penalty or breach, pending payment of the delinquent amount by Customer.
h.   Contractor shall furnish Customer will all appropriate releases or waivers of liens as payment is received for work performed, including such releases and waivers from Subcontractors as may be necessary.
i.   This Agreement shall be governed by the laws of England and Wales, without regard to conflicts of laws principles.
j.   This Agreement constitutes the entire agreement between the Parties, and supersedes any prior understanding or representation of any kind preceding the date of this Agreement. There are no other promises, conditions, understandings or other agreements, whether oral or written, relating to the subject matter of this Agreement.
k.   If any part or parts of this Agreement shall be held unenforceable for any reason, the remainder of this Agreement shall continue in full force and effect. If any provision of this Agreement is deemed invalid or unenforceable by any court of competent jurisdiction, and if limiting such provision would make the provision valid, then such provision shall be deemed to be construed as so limited.


IN WITNESS WHEREOF, the parties have caused this Agreement to be executed the day and year first above written.

CONTRACTOR

                  _____
Signature

                  _____
Print Name

                  _____
Title

                  _____
Date
CUSTOMER

                  _____
Signature

                  _____
Print Name

                  _____
Date


Appendix A

WORK ORDERED

Item No.
Description of Work



(Describe all work to be performed under this Agreement.  Include specification of the types of materials to be used, including brand, make, quality, etc., as necessary.  Attach any drawings, schematics, or other materials that may be necessary.)



































































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