R.J.Hurst & Partners,Limited

Company Name	R.J.Hurst & Partners,Limited
Directors	Stuart Antony Smith and Richard Harvey McEwen
Company Status	Active
Company Number	00492768
Category	Private Limited Company
Incorporation Date	15 March 1951(71 years, 2 months ago)

Business Activity

Section K	Financial and insurance activities
SIC 6601	Life insurance/reinsurance
SIC 65110	Life insurance

Directors

Director Name	Mr Stuart Antony Smith
Date of Birth	September 1967 (Born 54 years ago)
Nationality	British
Status	Current
Appointed	01 May 1992(41 years, 1 month after company formation)
Appointment Duration	30 years
Role	Independent Financial Adviser
Country of Residence	United Kingdom
Correspondence Address	2 Septimus Drive Colchester Essex CO4 9ET

Director Name	Mr Richard Harvey McEwen
Date of Birth	June 1972 (Born 49 years ago)
Nationality	British
Status	Current
Appointed	01 May 2002(51 years, 1 month after company formation)
Appointment Duration	20 years
Role	Insurance Broker
Country of Residence	United Kingdom
Correspondence Address	15 Douglas Walk Chelmsford Essex CM2 9XQ

Director Name	Mr Gerald Malcolm Berncastel
Date of Birth	July 1954 (Born 67 years ago)
Nationality	British
Status	Resigned
Appointed	14 December 1991(40 years, 9 months after company formation)
Appointment Duration	26 years, 8 months (resigned 21 August 2018)
Role	Insurance Broker
Country of Residence	England
Correspondence Address	Flat 2 High Oaks Michaelstowe Drive Ramsey Essex CO12 5ER

Director Name	Mrs Lesley Bannister
Date of Birth	May 1930 (Born 92 years ago)
Nationality	British
Status	Resigned
Appointed	14 December 1991(40 years, 9 months after company formation)
Appointment Duration	18 years (resigned 21 December 2009)
Role	Company Director-Retired
Country of Residence	United Kingdom
Correspondence Address	Cornard Croft Broom Street Great Cornard Sudbury Suffolk CO10 0JT

Director Name	William Alan Bannister
Date of Birth	August 1926 (Born 95 years ago)
Nationality	British
Status	Resigned
Appointed	14 December 1991(40 years, 9 months after company formation)
Appointment Duration	7 years, 3 months (resigned 23 March 1999)
Role	Company Director-Retired
Correspondence Address	Cornard Croft Broom Street Great Cornard Sudbury Suffolk CO10 0JT

Director Name	Mr Colin Mundy Beedleston
Date of Birth	October 1934 (Born 87 years ago)
Nationality	British
Status	Resigned
Appointed	14 December 1991(40 years, 9 months after company formation)
Appointment Duration	18 years (resigned 21 December 2009)
Role	Insurance Broker
Correspondence Address	19 Harbour Watch 391 Sandbanks Road Evening Hill Poole Dorset BH14 8JB

Director Name	James Tomlin Bugden
Date of Birth	November 1961 (Born 60 years ago)
Nationality	British
Status	Resigned
Appointed	14 December 1991(40 years, 9 months after company formation)
Appointment Duration	19 years (resigned 31 December 2010)
Role	Insurance Broker
Country of Residence	United Kingdom
Correspondence Address	Holly Place Harwich Road Mistley Manningtree Essex CO11 1LL

Director Name	Mr Derek Stuart Gudgin
Date of Birth	January 1939 (Born 83 years ago)
Nationality	British
Status	Resigned
Appointed	14 December 1991(40 years, 9 months after company formation)
Appointment Duration	4 months (resigned 16 April 1992)
Role	Insurance Broker
Correspondence Address	Chestnuts 18 St Clare Road Colchester Essex CO3 3SZ

Director Name	Mrs Hazel Hurst
Date of Birth	May 1925 (Born 97 years ago)
Nationality	British
Status	Resigned
Appointed	14 December 1991(40 years, 9 months after company formation)
Appointment Duration	11 years, 7 months (resigned 01 August 2003)
Role	Retired
Correspondence Address	The Toll House 217 Lexden Road Colchester Essex CO3 4BJ

Director Name	Michael Henry Turner
Date of Birth	November 1939 (Born 82 years ago)
Nationality	British
Status	Resigned
Appointed	14 December 1991(40 years, 9 months after company formation)
Appointment Duration	18 years (resigned 21 December 2009)
Role	Insurance Broker
Correspondence Address	West House 35 Hillgrove Caswell Swansea SA3 4RE Wales

Director Name	Mr Keith Michael Webb
Date of Birth	March 1952 (Born 70 years ago)
Nationality	British
Status	Resigned
Appointed	14 December 1991(40 years, 9 months after company formation)
Appointment Duration	18 years (resigned 21 December 2009)
Role	Insurance Broker
Correspondence Address	Church Farm Barn Gislingham Road Finningham Suffolk IP14 4HY

Secretary Name	Mrs Edith Joy Budden
Nationality	British
Status	Resigned
Appointed	14 December 1991(40 years, 9 months after company formation)
Appointment Duration	18 years (resigned 21 December 2009)
Role	Company Director
Correspondence Address	Arthuret House Arthuret Road Longtown Carlisle CA6 5SJ

Director Name	Mrs Edith Joy Budden
Date of Birth	December 1944 (Born 77 years ago)
Nationality	British
Status	Resigned
Appointed	13 May 1992(41 years, 2 months after company formation)
Appointment Duration	17 years, 7 months (resigned 21 December 2009)
Role	Company Director
Correspondence Address	Arthuret House Arthuret Road Longtown Carlisle CA6 5SJ

Director Name	Ann Elizabeth Pallant
Date of Birth	September 1938 (Born 83 years ago)
Nationality	British
Status	Resigned
Appointed	01 May 1998(47 years, 1 month after company formation)
Appointment Duration	5 years, 5 months (resigned 30 September 2003)
Role	Administrative Director
Correspondence Address	76 Beeches Road Chelmsford Essex CM1 2RX

Director Name	Robina Jennifer Simpkin
Date of Birth	February 1952 (Born 70 years ago)
Nationality	British
Status	Resigned
Appointed	22 January 2004(52 years, 10 months after company formation)
Appointment Duration	5 years, 11 months (resigned 21 December 2009)
Role	Company Director
Correspondence Address	Stanley Cottage 1 Boyscott Lane Bungay Suffolk NR35 1DG

Contact

Website	www.hurst-group.co.uk
Telephone	01245 251581
Telephone region	Chelmsford

Location

Registered Address	14 Crusader Business Park Stephenson Road West Clacton On Sea Essex CO15 4TN
Region	East of England
Constituency	Clacton
County	Essex
Ward	Burrsville
Built Up Area	Clacton-on-Sea

Financials

Year	2013
Net Worth	£617,922
Cash	£625,615
Current Liabilities	£176,495

Accounts

Latest Accounts	30 April 2021 (1 year ago)
Next Accounts Due	31 January 2023 (8 months, 2 weeks from now)
Accounts Category	Total Exemption Full
Accounts Year End	30 April

Returns

Latest Return	14 December 2021 (5 months ago)
Next Return Due	28 December 2022 (7 months, 2 weeks from now)

Charges

22 December 2009	Delivered on: 30 December 2009 Satisfied on: 23 August 2013 Persons entitled: National Westminster Bank PLC Classification: Debenture Secured details: All monies due or to become due from the company to the chargee on any account whatsoever. Particulars: Fixed and floating charges over the undertaking and all property and assets present and future including goodwill uncalled capital buildings fixtures plant and machinery. Fully Satisfied

22 December 2009

Delivered on: 30 December 2009
Satisfied on: 23 August 2013
Persons entitled: National Westminster Bank PLC

Classification: Debenture
Secured details: All monies due or to become due from the company to the chargee on any account whatsoever.
Particulars: Fixed and floating charges over the undertaking and all property and assets present and future including goodwill uncalled capital buildings fixtures plant and machinery.
Fully Satisfied

Filing History

20 January 2022	Total exemption full accounts made up to 30 April 2021 (10 pages)
14 December 2021	Confirmation statement made on 14 December 2021 with no updates (3 pages)
8 November 2021	Second filing of Confirmation Statement dated 14 December 2020 (3 pages)
17 March 2021	Cessation of Bms (2009) Ltd as a person with significant control on 10 December 2020 (1 page)
17 March 2021	Notification of Grs (2018) Ltd as a person with significant control on 10 December 2020 (2 pages)
14 December 2020	Confirmation statement made on 14 December 2020 with no updates (3 pages)
14 December 2020	Confirmation statement made on 14 December 2020 with no updates ANNOTATION Clarification a second filed CS01 statement of capital & shareholder information was registered 08/11/21 (4 pages)
11 December 2020	Total exemption full accounts made up to 30 April 2020 (11 pages)
27 December 2019	Total exemption full accounts made up to 30 April 2019 (11 pages)
16 December 2019	Confirmation statement made on 14 December 2019 with updates (4 pages)
18 January 2019	Total exemption full accounts made up to 30 April 2018 (11 pages)
14 December 2018	Confirmation statement made on 14 December 2018 with updates (4 pages)
6 November 2018	Termination of appointment of Gerald Malcolm Berncastel as a director on 21 August 2018 (1 page)
13 August 2018	Registered office address changed from 133 New London Road, Chelmsford CM2 0QZ to 14 Crusader Business Park Stephenson Road West Clacton on Sea Essex CO15 4TN on 13 August 2018 (1 page)
14 December 2017	Confirmation statement made on 14 December 2017 with updates (4 pages)
14 December 2017	Confirmation statement made on 14 December 2017 with updates (4 pages)
6 December 2017	Total exemption full accounts made up to 30 April 2017 (11 pages)
6 December 2017	Total exemption full accounts made up to 30 April 2017 (11 pages)
21 December 2016	Total exemption small company accounts made up to 30 April 2016 (7 pages)
21 December 2016	Total exemption small company accounts made up to 30 April 2016 (7 pages)
19 December 2016	Confirmation statement made on 14 December 2016 with updates (5 pages)
19 December 2016	Confirmation statement made on 14 December 2016 with updates (5 pages)
4 August 2016	Director's details changed for Mr. Gerald Malcolm Berncastel on 4 August 2016 (2 pages)
4 August 2016	Director's details changed for Mr. Gerald Malcolm Berncastel on 4 August 2016 (2 pages)
30 June 2016	Director's details changed for Mr. Gerald Malcolm Berncastel on 14 June 2016 (2 pages)
30 June 2016	Director's details changed for Mr. Gerald Malcolm Berncastel on 14 June 2016 (2 pages)
3 February 2016	Accounts for a small company made up to 30 April 2015 (8 pages)
3 February 2016	Accounts for a small company made up to 30 April 2015 (8 pages)
14 December 2015	Annual return made up to 14 December 2015 with a full list of shareholders Statement of capital on 2015-12-14 GBP 5,462.5 (5 pages)
14 December 2015	Annual return made up to 14 December 2015 with a full list of shareholders Statement of capital on 2015-12-14 GBP 5,462.5 (5 pages)
9 February 2015	Annual return made up to 14 December 2014 with a full list of shareholders Statement of capital on 2015-02-09 GBP 5,462.5 (5 pages)
9 February 2015	Annual return made up to 14 December 2014 with a full list of shareholders Statement of capital on 2015-02-09 GBP 5,462.5 (5 pages)
21 January 2015	Accounts for a small company made up to 30 April 2014 (7 pages)
21 January 2015	Accounts for a small company made up to 30 April 2014 (7 pages)
5 January 2014	Accounts for a small company made up to 30 April 2013 (7 pages)
5 January 2014	Accounts for a small company made up to 30 April 2013 (7 pages)
3 January 2014	Annual return made up to 14 December 2013 with a full list of shareholders Statement of capital on 2014-01-03 GBP 5,462.5 (5 pages)
3 January 2014	Annual return made up to 14 December 2013 with a full list of shareholders Statement of capital on 2014-01-03 GBP 5,462.5 (5 pages)
23 August 2013	Satisfaction of charge 1 in full (3 pages)
23 August 2013	Satisfaction of charge 1 in full (3 pages)
3 July 2013	Director's details changed for Mr. Richard Harvey Mcewen on 3 July 2013 (2 pages)
3 July 2013	Director's details changed for Mr. Richard Harvey Mcewen on 3 July 2013 (2 pages)
3 July 2013	Director's details changed for Mr. Richard Harvey Mcewen on 3 July 2013 (2 pages)
9 January 2013	Accounts for a small company made up to 30 April 2012 (7 pages)
9 January 2013	Accounts for a small company made up to 30 April 2012 (7 pages)
17 December 2012	Annual return made up to 14 December 2012 with a full list of shareholders (5 pages)
17 December 2012	Annual return made up to 14 December 2012 with a full list of shareholders (5 pages)
11 October 2012	Director's details changed for Mr. Gerald Malcolm Berncastel on 10 October 2012 (2 pages)
11 October 2012	Director's details changed for Mr. Gerald Malcolm Berncastel on 10 October 2012 (2 pages)
28 December 2011	Accounts for a small company made up to 30 April 2011 (7 pages)
28 December 2011	Accounts for a small company made up to 30 April 2011 (7 pages)
21 December 2011	Annual return made up to 14 December 2011 with a full list of shareholders (5 pages)
21 December 2011	Annual return made up to 14 December 2011 with a full list of shareholders (5 pages)
21 June 2011	Termination of appointment of James Bugden as a director (1 page)
21 June 2011	Termination of appointment of James Bugden as a director (1 page)
27 January 2011	Accounts for a small company made up to 30 April 2010 (7 pages)
27 January 2011	Accounts for a small company made up to 30 April 2010 (7 pages)
14 December 2010	Annual return made up to 14 December 2010 with a full list of shareholders (7 pages)
14 December 2010	Annual return made up to 14 December 2010 with a full list of shareholders (7 pages)
22 January 2010	Termination of appointment of Edith Budden as a secretary (2 pages)
22 January 2010	Termination of appointment of Robina Simpkin as a director (2 pages)
22 January 2010	Termination of appointment of Lesley Bannister as a director (2 pages)
22 January 2010	Termination of appointment of Keith Webb as a director (2 pages)
22 January 2010	Termination of appointment of Edith Budden as a director (2 pages)
22 January 2010	Termination of appointment of Michael Turner as a director (2 pages)
22 January 2010	Termination of appointment of Colin Beedleston as a director (2 pages)
22 January 2010	Resolutions RES01 ‐ Resolution of Memorandum and/or Articles of Association (3 pages)
22 January 2010	Termination of appointment of Edith Budden as a secretary (2 pages)
22 January 2010	Termination of appointment of Robina Simpkin as a director (2 pages)
22 January 2010	Termination of appointment of Lesley Bannister as a director (2 pages)
22 January 2010	Termination of appointment of Keith Webb as a director (2 pages)
22 January 2010	Termination of appointment of Edith Budden as a director (2 pages)
22 January 2010	Termination of appointment of Michael Turner as a director (2 pages)
22 January 2010	Termination of appointment of Colin Beedleston as a director (2 pages)
22 January 2010	Resolutions RES01 ‐ Resolution of Memorandum and/or Articles of Association (3 pages)
6 January 2010	Accounts for a small company made up to 30 April 2009 (7 pages)
6 January 2010	Accounts for a small company made up to 30 April 2009 (7 pages)
30 December 2009	Particulars of a mortgage or charge / charge no: 1 (5 pages)
30 December 2009	Particulars of a mortgage or charge / charge no: 1 (5 pages)
14 December 2009	Annual return made up to 14 December 2009 with a full list of shareholders (12 pages)
14 December 2009	Annual return made up to 14 December 2009 with a full list of shareholders (12 pages)
16 September 2009	Director's change of particulars / keith webb / 25/08/2009 (1 page)
16 September 2009	Director's change of particulars / keith webb / 25/08/2009 (1 page)
5 February 2009	Director's change of particulars / colin beedleston / 31/01/2009 (1 page)
5 February 2009	Director's change of particulars / colin beedleston / 31/01/2009 (1 page)
18 December 2008	Accounts for a small company made up to 30 April 2008 (7 pages)
18 December 2008	Accounts for a small company made up to 30 April 2008 (7 pages)
15 December 2008	Return made up to 14/12/08; full list of members (9 pages)
15 December 2008	Return made up to 14/12/08; full list of members (9 pages)
12 August 2008	Director's change of particulars / gerald berncastel / 31/07/2008 (1 page)
12 August 2008	Director's change of particulars / gerald berncastel / 31/07/2008 (1 page)
18 December 2007	Return made up to 14/12/07; full list of members (6 pages)
18 December 2007	Return made up to 14/12/07; full list of members (6 pages)
17 December 2007	Accounts for a small company made up to 30 April 2007 (7 pages)
17 December 2007	Accounts for a small company made up to 30 April 2007 (7 pages)
25 January 2007	Director's particulars changed (1 page)
25 January 2007	Director's particulars changed (1 page)
17 January 2007	Return made up to 14/12/06; full list of members (11 pages)
17 January 2007	Return made up to 14/12/06; full list of members (11 pages)
21 December 2006	Full accounts made up to 30 April 2006 (21 pages)
21 December 2006	Full accounts made up to 30 April 2006 (21 pages)
3 May 2006	Director's particulars changed (1 page)
3 May 2006	Director's particulars changed (1 page)
24 January 2006	Group of companies' accounts made up to 30 April 2005 (26 pages)
24 January 2006	Group of companies' accounts made up to 30 April 2005 (26 pages)
18 January 2006	Return made up to 14/12/05; full list of members (11 pages)
18 January 2006	Return made up to 14/12/05; full list of members (11 pages)
5 January 2006	Ad 05/08/05--------- £ si [email protected]=462 £ ic 5000/5462 (3 pages)
5 January 2006	Ad 05/08/05--------- £ si [email protected]=462 £ ic 5000/5462 (3 pages)
25 January 2005	Group of companies' accounts made up to 30 April 2004 (24 pages)
25 January 2005	Group of companies' accounts made up to 30 April 2004 (24 pages)
14 January 2005	Return made up to 14/12/04; full list of members (10 pages)
14 January 2005	Director's particulars changed (1 page)
14 January 2005	Return made up to 14/12/04; full list of members (10 pages)
14 January 2005	Director's particulars changed (1 page)
29 June 2004	Director's particulars changed (1 page)
29 June 2004	Director's particulars changed (1 page)
22 March 2004	New director appointed (1 page)
22 March 2004	New director appointed (1 page)
19 February 2004	Director's particulars changed (1 page)
19 February 2004	Director's particulars changed (1 page)
10 February 2004	Director's particulars changed (1 page)
10 February 2004	Location of register of members (1 page)
10 February 2004	Director's particulars changed (1 page)
10 February 2004	Location of register of members (1 page)
4 February 2004	Group of companies' accounts made up to 30 April 2003 (23 pages)
4 February 2004	Group of companies' accounts made up to 30 April 2003 (23 pages)
19 December 2003	Return made up to 14/12/03; change of members (9 pages)
19 December 2003	Return made up to 14/12/03; change of members (9 pages)
6 November 2003	Director resigned (1 page)
6 November 2003	Director resigned (1 page)
6 November 2003	Director resigned (1 page)
6 November 2003	Director resigned (1 page)
2 January 2003	Group of companies' accounts made up to 30 April 2002 (19 pages)
2 January 2003	Group of companies' accounts made up to 30 April 2002 (19 pages)
19 December 2002	Return made up to 14/12/02; full list of members (12 pages)
19 December 2002	Return made up to 14/12/02; full list of members (12 pages)
15 May 2002	New director appointed (2 pages)
15 May 2002	New director appointed (2 pages)
10 January 2002	Return made up to 14/12/01; full list of members 363(288) ‐ Director's particulars changed 363(287) ‐ Registered office changed on 10/01/02 (12 pages)
10 January 2002	Group of companies' accounts made up to 30 April 2001 (19 pages)
10 January 2002	Return made up to 14/12/01; full list of members 363(288) ‐ Director's particulars changed 363(287) ‐ Registered office changed on 10/01/02 (12 pages)
10 January 2002	Group of companies' accounts made up to 30 April 2001 (19 pages)
4 January 2001	Return made up to 14/12/00; full list of members (12 pages)
4 January 2001	Full group accounts made up to 30 April 2000 (19 pages)
4 January 2001	Return made up to 14/12/00; full list of members (12 pages)
4 January 2001	Full group accounts made up to 30 April 2000 (19 pages)
4 January 2000	Full group accounts made up to 30 April 1999 (20 pages)
4 January 2000	Return made up to 14/12/99; full list of members 363(288) ‐ Director's particulars changed (12 pages)
4 January 2000	Full group accounts made up to 30 April 1999 (20 pages)
4 January 2000	Return made up to 14/12/99; full list of members 363(288) ‐ Director's particulars changed (12 pages)
23 April 1999	Director resigned (1 page)
23 April 1999	Director resigned (1 page)
23 December 1998	Full group accounts made up to 30 April 1998 (18 pages)
23 December 1998	Return made up to 14/12/98; no change of members (9 pages)
23 December 1998	Full group accounts made up to 30 April 1998 (18 pages)
23 December 1998	Return made up to 14/12/98; no change of members (9 pages)
2 December 1998	Resolutions SRES01 ‐ Special resolution of alteration of Memorandum of Association (1 page)
2 December 1998	Resolutions SRES01 ‐ Special resolution of alteration of Memorandum of Association (1 page)
25 August 1998	New director appointed (2 pages)
25 August 1998	New director appointed (2 pages)
4 February 1998	Full group accounts made up to 30 April 1997 (18 pages)
4 February 1998	Full group accounts made up to 30 April 1997 (18 pages)
13 January 1998	Return made up to 14/12/97; full list of members 363(190) ‐ Location of debenture register address changed 363(353) ‐ Location of register of members address changed 363(288) ‐ Director's particulars changed (7 pages)
13 January 1998	Return made up to 14/12/97; full list of members 363(190) ‐ Location of debenture register address changed 363(353) ‐ Location of register of members address changed 363(288) ‐ Director's particulars changed (7 pages)
7 January 1997	Full group accounts made up to 30 April 1996 (16 pages)
7 January 1997	Return made up to 14/12/96; change of members 363(288) ‐ Director's particulars changed (9 pages)
7 January 1997	Full group accounts made up to 30 April 1996 (16 pages)
7 January 1997	Return made up to 14/12/96; change of members 363(288) ‐ Director's particulars changed (9 pages)
4 January 1996	Full group accounts made up to 30 April 1995 (17 pages)
4 January 1996	Return made up to 14/12/95; no change of members 363(288) ‐ Director's particulars changed (8 pages)
4 January 1996	Full group accounts made up to 30 April 1995 (17 pages)
4 January 1996	Return made up to 14/12/95; no change of members 363(288) ‐ Director's particulars changed (8 pages)
12 April 1994	Memorandum and Articles of Association (7 pages)
12 April 1994	Memorandum and Articles of Association (7 pages)
11 January 1994	Full group accounts made up to 30 April 1993 (14 pages)
11 January 1994	Return made up to 14/12/93; change of members (10 pages)
11 January 1994	Full group accounts made up to 30 April 1993 (14 pages)
11 January 1994	Return made up to 14/12/93; change of members (10 pages)
18 January 1993	Resolutions SRES13 ‐ Special resolution (1 page)
18 January 1993	Resolutions SRES13 ‐ Special resolution (1 page)
11 January 1993	Return made up to 14/12/92; change of members 363(353) ‐ Location of register of members address changed 363(190) ‐ Location of debenture register address changed 363(288) ‐ Secretary's particulars changed;director's particulars changed (9 pages)
11 January 1993	Return made up to 14/12/92; change of members 363(353) ‐ Location of register of members address changed 363(190) ‐ Location of debenture register address changed 363(288) ‐ Secretary's particulars changed;director's particulars changed (9 pages)
11 February 1992	Group accounts for a small company made up to 30 April 1991 (8 pages)
11 February 1992	Group accounts for a small company made up to 30 April 1991 (8 pages)
18 December 1991	Return made up to 14/12/91; full list of members (11 pages)
18 December 1991	Return made up to 14/12/91; full list of members (11 pages)
6 March 1991	Return made up to 14/12/90; no change of members (9 pages)
6 March 1991	Return made up to 14/12/90; no change of members (9 pages)
3 February 1988	Return made up to 22/12/87; full list of members (7 pages)
3 February 1988	Return made up to 22/12/87; full list of members (7 pages)
28 January 1987	Annual return made up to 16/12/86 (6 pages)
28 January 1987	Annual return made up to 16/12/86 (6 pages)
22 March 1983	Annual return made up to 29/12/82 (12 pages)
22 March 1983	Annual return made up to 29/12/82 (12 pages)
22 March 1982	Accounts made up to 30 April 1982 (13 pages)
22 March 1982	Accounts made up to 30 April 1982 (13 pages)
14 January 1982	Annual return made up to 09/12/81 (12 pages)
14 January 1982	Annual return made up to 09/12/81 (12 pages)