Guilsborough Housing Survey - May 2020 - Daventry District Council

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Guilsborough Housing Survey - May 2020 - Daventry District Council
Guilsborough Housing Survey

                      May 2020
Contents

Introduction..................................................................................................................................................................... 4
Strategic and Planning Context ........................................................................................................................................ 5
Methodology ................................................................................................................................................................... 6
Guilsborough Parish Statistics .......................................................................................................................................... 7
Affordability in Guilsborough Parish ................................................................................................................................ 8
Overall Survey Analysis ...................................................................................................................................................10
Housing Need Responses ................................................................................................................................................12
Housing Need Analysis ....................................................................................................................................................19
Housing Need Conclusion................................................................................................................................................21
Appendix A - Results breakdown ....................................................................................................................................23
Appendix B – Summary of comments .............................................................................................................................24
Introduction
It should be noted that the duration for responses to this survey in      Whilst this, together with the earlier Strategic Housing Market
part coincided with the national lockdown due to the Coronavirus          Assessment (June 2010)1, allow DDC to plan for the future of the
(COVID-19) pandemic                                                       district as a whole, we also need to understand the housing need
                                                                          on a more local level, whether this is for market or affordable
Housing need is a particularly complex issue that local authorities
                                                                          homes.
across the country are facing.
Nationally there is a significant shortfall in the provision of housing   Policies in the recently adopted Settlements and Countryside Local
compared with the level of need.                                          Plan (Part 2) 2011 – 2029 and the West Northamptonshire Joint
                                                                          Core Strategy provide for development outside of the village
All over the country, local people are not able to find a home within
                                                                          confines to meet local needs where this is supported by up to date
their communities, that is suitable for their needs and they can
                                                                          evidence in a Housing Needs Survey or Housing Needs Assessment
afford. There are a number of contributing factors to this including
                                                                          as set out in Chapter 5 - Development in Rural Areas Chapter.
                                                                          Whilst there is no single approach that will provide a definitive
   Increases in rural house prices
                                                                          answer to the exact housing need of a parish, Housing Surveys and
                                                                          analysis of the DDC Housing Register will give a credible result.
   Lack of available affordable homes
                                                                          This report consists of three main parts. The first provides statistical
   Lack of specialist housing                                            information from secondary data sources i.e. Census information, and
                                                                          looks at the current households in the parish in order to provide a
   Availability of finance for developers and prospective                description of the existing housing and affordability in Guilsborough.
    homeowners                                                            The second part provides views, in terms of future housing provision,
                                                                          and demographics of the households that responded to the survey.
   Availability of sufficient land for new homes                         The final section of this report examines the households that have
                                                                          declared that they have need for new housing within the parish. Of
   Local opposition for new homes                                        the households that have declared a need, a financial assessment has
                                                                          been undertaken in order to further help determine the housing
The Objectively Assessed Housing Needs (OAHN) Report (August              tenure types required.
2013)1, identifies the level of housing need across the district.
1
westnorthamptonshirejpu.org/connect.ti/website/view?objectId=2737904

                                                                                                                                       Page |4
Strategic and Planning Context
Daventry District Council has a statutory responsibility to assess     Local
local housing needs as per the 1985 Housing Act.
                                                                         Settlements and Countryside Local Plan, Part 2 (2011-2029)
To help achieve this and aid in the delivery of housing, a number of
strategies, policies and documents are available to or produced by       Daventry District Council Corporate Strategic Plan (2017 – 2021)
the Council including on a national, sub-regional and local level.
                                                                         Housing Supplementary Planning Document (July 2017)
National
                                                                         Allocations Scheme ( July 2017, reviewed April 2019)
National Planning Policy Framework (February 2019)

                                                                         Tenancy Strategy (December 2012 reviewed March 2019)
Planning Practice Guidance (Launched March 2014 )

                                                                         The Strategic Housing Plan 2014-2019 (February 2014)
Sub-Regional
                                                                         Affordable Housing Marketing and Communication Strategy
                                                                         (December 2007 revised Dec 2010)
West Northants Joint Core Strategy (December 2014)
                                                                         Daventry District Community Strategy 2018
Objectively Assessed Housing Need (August 2013)
                                                                         Daventry District Area Profile (December 2014)
West Northants Strategic Housing Market Assessment (June 2010)

Gypsy and Traveller Accommodation Assessment (January 2017)

                                                                                                                                Page |5
Methodology
The methodology that is used for housing surveys in the District is    Stage 4 – Survey
set out below                                                          A letter is sent to all households within the parish, explaining how
                                                                       to access and complete the survey.
Stage 1 – Identification of Parish                                     Surveys are made available to complete online.
The order in which parishes are surveyed is not definitive and can     If someone cannot access the survey online, paper copies are made
change for a number of reasons including where villages are            available.
undertaking neighbourhood planning activity or if a village is faced   The Survey remains open for a minimum of 4 weeks.
with a planning application/appeal and there would be a benefit
from having an up to date survey to help inform the decision.          Stage 5 – Collection & Analysis
Parishes can also request Housing Surveys to be carried out if the     Daventry District Council’s Local Strategy Service collates and
existing Survey is more than three years old.                          analyses the completed surveys and produces a draft report.
                                                                       The report details the number, type and tenure of homes required,
Stage 2 – Engaging with the Parish Council                             as identified via the surveys and analysis of the DDC Housing
Early discussions take place with the Parish Council or their          Register.
nominated representatives about the survey.
Officers talk through the process and objectives of the survey, and    Stage 6 Review
establish any priorities the Parish Council may have.                  The Parish Council/nominated representatives are given the
The Parish Council is given the opportunity to add any bespoke         opportunity to factually comment on the draft report prior to its
questions to the survey. Unfortunately the core questions and          publication. This is for a maximum of 4 weeks.
format cannot be changed to ensure consistency across the
Housing Surveys.                                                       Stage 7 Publication
                                                                       The final version of the Housing Survey is published on the
Stage 3– Marketing                                                     Daventry District Council website taking into account any relevant
Posters and literature on the Housing Survey are distributed to the    comments which may have been received from the Parish Council.
Parish Council to place in relevant areas.                             .
Officers from Daventry District Council’s Local Strategy Service can
attend one public event in the area. This could take the form of a
drop-in event, a public meeting or an item on the Parish Council
Meeting Agenda.

                                                                                                                                Page |6
Guilsborough Parish Statistics
The following information is taken from the Neighbourhood            Population
Statistics Site2 which uses the Census 2011 data.                    Guilsborough has a population of around 692 of which:

Location
Guilsborough Parish is located in Daventry District within the
county of Northamptonshire.

Dwellings3
Census information for Guilsborough Parish reports a total of 294
dwellings at 2011

290 (99%) are bungalows or houses
4 (1%) are other dwellings such as flats, apartments, converted or
shared homes.
There are 15 household spaces (5%) that have no usual residents.

Household & Tenure3
Guilsborough Parish contains 279 households

213 (76%) are owner occupiers
26 (9%) are renting from a Registered Provider
32 (12%) are renting from a Private Landlord
8 (3%) are living rent free

2
    Neighbourhood.statistics.gov.uk
3
    gov.uk/definitions-of-general-housing-terms

                                                                                                                             Page |7
Affordability in Guilsborough Parish
The National Picture
According to ONS, on average in 2018, full time workers can expect to     The below table illustrates that house prices in the district are over
pay an estimated 7.8 times their annual workplace-based earnings on       ten times higher than gross annual workplace-based earnings.
buying a home.
                                                                                            2018      2017       2016      2015       2014
                                                                                            10.80     10.72      10.42     8.63       8.60
The Council of Mortgage Lenders October 2016 report showed that                       Source: ONS, Housing affordability in England and Wales:20184
first time buyers were typically borrowing 3.56 times their gross
income and were tending to use around 18% of their income towards         The following table shows the comparison between the
paying off the loan. The average loan size was £136,300.                  Northamptonshire Local Authorities base on the latest figures (2018)
                                                                          and shows that Daventry is second highest figure in the County after
Assessing Affordability                                                   South Northamptonshire.
Assessing affordability involves comparing the house costs against the
ability to pay.                                                                          Authority                            Ratio
                                                                                         Corby                                7.49
                                                                                         East Northants                       8.32
This is done by determining the ratio of lower quartile house prices to                  Kettering                            8.04
lower quartile earnings which indicates whether people on the lowest                     Northampton                          8.66
earnings can afford to access the cheaper housing in their area.                         South Northants                      11.73
                                                                                         Wellingborough                       8.75
The lower quartile house prices are determined by ranking all                             ONS, Housing affordability in England and Wales:2018
property prices within the area and taking the lowest 25%.
The lower quartile incomes are determined by ranking all incomes in
the area and taking the lowest 25%.
The higher the ratio the less affordable the homes are within an area.

Daventry District
The Office of National Statistics produces information that shows         4
                                                                           https://www.ons.gov.uk/peoplepopulationandcommunity/housing/bulletins/housi
Daventry District’s lower quartile housing affordability ratio of price   ngaffordabilityinenglandandwales/2018
paid to gross annual earnings.

                                                                                                                                                  Page |8
The English indices of Deprivation 5provide a relative measure of           The repayment costs stated above are for housing only and would
deprivation at a small area level across England. Areas are ranked          need to be added to living costs to determine the level of household
from the least deprived to the most deprived on seven aspects of            income required.
deprivation including ‘Barriers to Housing and Services’ which
contribute to an overall combined measure of multiple deprivation.          The Minimum Income Standard for the United Kingdom8 reports on
Daventry District is currently ranked 243 out of 317 authorities with 1     how much income households need to afford an acceptable standard
being the most deprived and 317 being the least deprived.                   of living by using a Minimum Income Calculator9
                                                                            The programme is carried out by Centre for Research in Social Policy
Guilsborough Parish                                                         at Loughborough University with funding from the Joseph Rowntree
4 properties were sold within Guilsborough Parish during the period         Foundation.
January 2019 until January 2020 (data sourced from Rightmove6).
                                                                            The calculator estimates that an average family of 2 parents and 2
According to Rightmove, the properties sold consisted of a 2 bedroom        children in primary education, living to a minimum standard and
bungalow and a 3 bedroom house. The two other properties had no             excluding any housing costs and tax payments, requires the following
information on size and type. Due to the low volume of sales an             household income for a basic standard of living:
average price paid would not be a true reflection on the market,
therefore for the following analysis, the price paid for the three          Weekly                       Monthly           Annually
bedroom home has been used with the sale price of 340,000.                  £740                         £3,263            £39,161

Using the overall average value and the Money Advice Service7               If the housing costs were added to this, a household in Guilsborough
mortgage calculator, repayments would equate to                             would require an income of
Weekly                Monthly            Annually
£335                  £1,451             £17,412                            Weekly                       Monthly           Annually
This is assuming a 10% deposit (£34,000), 3% interest rate and 25 year      £1,075                       £4,714            £56,573
mortgage term.

5
 https://www.gov.uk/guidance/english-indices-of-deprivation-2019-mapping-
resources
                                                                            8
                                                                            lboro.ac.uk/research/crsp/mis/
6
  Rightmove.co.uk                                                           9
                                                                            lboro.ac.uk/research/crsp/mis/calculator/
7
  MoneyAdviceService.org.uk

                                                                                                                                        Page |9
Overall Survey Analysis
      Responses
      303 letters were sent to households within Guilsborough Parish, inviting them to complete a Housing Survey for the area. There were 1 survey
      was completed from a non-resident with a close local connection to Guilsborough.
      A total of 37 surveys were completed, equating to 11%.

Mix of Properties
The graph below shows the opinion of Guilsborough Parish Households on the mix of properties within the parish.
Overall, the majority of respondents thought the mix of properties was ‘about right’ across all property types. Many were unsure if there was enough extra
care, independent and flats. Many felt that there was a need for a few more bungalows.

                                                                                                                                         P a g e | 10
Demographics of all Respondents
The following charts show the demographics for those households that completed the Guilsborough Parish Housing Survey.

                                                                                                                         P a g e | 11
Housing Need Responses
The following section of this report provides the responses to the survey that were completed by respondents that expressed a current or
future housing need within the next five years, and therefore offers a broad picture of the need for both market and affordable housing
within the Parish. A full breakdown of the responses can be found in the Analysis Table (found on page 19).

                                                                      Of the 37 responses received, 13 respondents stated they have or
                                                                      could have a housing need. This equates to 35% of all respondents.
                                                                      However, not all residents that stated a current or potential need for
                                                                      housing have provided further details. They have therefore been
                                                                      omitted from the following charts.

Out of the answer choices,
the answer with the most
responses was that
respondents wished to
downsize to a property more
suited to their needs, which
received 5 selections.

It is important to note that
this question allowed more
than one selection, full result
can be found within the
Analysis Table (Page 19)
                                                                                                                                  P a g e | 12
Housing need respondents were asked if they could give reason
if they have tried to find a property to suit their needs and have
been unable to do so. 6 respondents provided an answer.

It is important to note that this question allowed more than one
selection, full result can be found within the Analysis Table (Page
19)

                                                       P a g e | 13
Local Connection to Guilsborough of Housing Need Respondents
The following charts show the local connection to Guilsborough Parish of respondents expressing a housing need that chose to answer this
series of questions. All respondents with a housing need selected one or more local connections to the parish area.

                                                                                                                                 P a g e | 14
Requirements of Housing Need Respondents
The following charts show the preference for those households who stated they have or may have housing need. This section permitted more
than one selection, therefore a full breakdown can be found within the Housing Need Analysis section found on page 19.
                                                                        Respondents to this question were asked about the type of tenure
                                                                        that they required. Market homes are the most desired.

                                                                        10 out of 13 housing respondents that identified as having a
                                                                        current or future need answered this question.

                                                                        Of those that sought market properties, all are owner-occupiers
                                                                        (including bought outright or mortgaged).

                                                                        Of the respondents that would like a housing association property,
                                                                        1 is currently in a private rental, and the other is an owner-
                                                                        occupier.

                                                                        Housing need respondents were also asked about the type of
                                                                        housing that they required, 10 answered this question.

                                                                        The results show that a need is evident for properties that are
                                                                        houses, bungalows, older persons accommodation and a ground
                                                                        floor flat.

                                                                        There was zero preference for bedsits.

                                                                        All respondents that wish for a house are currently in a house.

                                                                                                                                 P a g e | 15
Respondents to this question were asked how many bedrooms
they would prefer to have, based on what they could reasonably
afford.

10 housing respondents answered this question.

From these results it is evident that there is a strong preference for
two or three bedroom properties. Of the 4 respondents that stated
a preference for a 2 bedroom property, all four wished to have less
bedrooms that what they already had.

                                                           P a g e | 16
Affordability of Housing Need Respondents

Housing need respondents were asked; should they consider
buying a property, what price range could they reasonably
afford.

3 out of the 8 respondents that answered this question could
comfortably afford a property valued over £340,000 which is the
most recent price paid for a 3 bedroom house as detailed on
page 9. All 3 are currently homeowners.

Due to recent property sales figures being limited it is not
possible to assume an average property price.

Housing need respondents were asked; should they wish to rent
a property in Guilsborough what would be the monthly rent that
they can reasonably afford. This question received 6 responses.

The below table shows the household type and what they can
reasonably afford

           -£400     £400-     £500-     £600-    £700-     £800+
                     £500      £600      £700     £800

 Single                                  1                  1

 Couple              1                                      1

 Family                                  2

Those that have not expressed a household type have been omitted from this
table.
                                                                             P a g e | 17
Housing need respondents were asked if they could indicate the
monthly income of the household (excluding housing benefit). 10
respondents provided an answer for this question.

Housing need respondents were asked to indicate if they have any
savings. Half of the 10 people that responded to this question
confirmed that they had.

                                                                   P a g e | 18
Housing Need Analysis
        The following table shows the breakdown of respondents who have identified a housing need, their current property and tenure, and their
        preference in tenure where this has been supplied.
    #   Household              Current Tenure & Size              Preferences / requirement      Preferred            Local          Reason (need)
         Makeup                                                                                   tenure           connection
                    Bedrooms     Property          Tenure         Bedroom        Property
                                                                 preference     preference
2       Unknown         3      Bungalow       Owner occupier         -               -                 -          Residence                 -
6       Single          4      House          Shared ownership       2        Older persons   ‘Custom build’      Residence     Would like to downsize,
                                                                              accommodation   or ‘Self build on   and family    would like to receive
                                                                                              a plot of land                    support from family
7       Couple          5      House          Owner occupier         2        House           ‘Custom build’      Residence,    Would like to downsize
                                                                                              or ‘Self build on   family and
                                                                                              a plot of land      employment
10      Family          2      House          Private rental         3        House           Renting from a      Residence     Cannot afford to live in
                                                                                              private landlord,                 village, issue with
                                                                                              renting from a                    current property
                                                                                              housing                           condition, would like to
                                                                                              association,                      buy own property,
                                                                                              buying shred                      current property too
                                                                                              ownership                         small
11      Family          4      House          Owner occupier         3        House           Buying shared       Employment    Cannot afford to live in
                                                                                              ownership                         the village
12      Unknown         5      House          Owner occupier         4        House           Buying on the       Residence     Would like to downsize
                                                                                              open market
16      Single          5      House          Owner occupier         2        Ground floor    Other: Assisted     Residence     May require assisted
                                                                              flat            accommodation                     accommodation
17      Family          3      House          Owner occupier         3        House           Buying on the       Residence     To live independently, to
                                                                                              open market,                      receive family support
                                                                                              buying shared
                                                                                              ownership

                                                                                                                                            P a g e | 19
19   Couple           4      House          Owner occupier          -                                 -          Residence
25   Single           4      House          Owner occupier          2        Bungalow         Other: ground      Residence    To receive support from
                                                                                              floor                           family
26   Couple           6+     House          Owner occupier          1        Older persons    Renting from a     Residence    Would like to downsize
                                                                             accommodation    housing            and family
                                                                                              association
27   Couple           4      House          Owner occupier          -                                 -          Residence
31   Couple           6+     House          Owner occupier          3        House            Buying on the      Residence    Would like to downsize
                                                                                              open market

     Housing register information
     As of April 2020, there were 7 applicants with a close local connection to Guilsborough on Daventry District Councils general housing register.
     It should be noted that Daventry District Council operates a Choice Based Lettings Scheme, this allows applicants to apply for any property
     they are eligible for. Therefore the below chart shows what applicants can apply for (property eligibility) as well as their preference.

     Household type                    Bedroom             Property preference            Property eligibility                      Local connection
                                       eligibility

     Single person                     1                   Bungalow / house               House / Flat / General needs bungalow     Residence

     Single person                     1                   Bungalow / house / single      House / Flat / General needs bungalow     Residence
                                                           person accommodation

     60+                               1–2                 Bungalow                       Flat / House / Bungalow                   Residence

     60+                               1–2                 Bungalow / flat                Flat / House / Bungalow                   Residence

     Family                            2                   House                          Flat / House / General needs bungalow     Residence

     Family                            2–3                 House                          Flat / House / 2 bed bungalow             Residence

     Family                            2–3                 House                          Flat / House / 2 bed bungalow             Residence

                                                                                                                                          P a g e | 20
Housing Need Conclusion
The following table provides the results from the housing survey and from information sourced from the housing register in a summarised
format. Please refer to Appendix A for the full results.

The following should be noted in viewing the below table (and that contained within Appendix A):
 Residents that have not selected a preferred tenure have been omitted from the table
 No limit has been applied to the tenure and property type selection for survey respondents and therefore some households have expressed their
   main tenure preference, in other cases household have selected more than one preference. Please refer to Appendix A for the full results.
 Recommendations for numbers of bedrooms in shared ownership, market and Custom or Self Build are based on the number of bedrooms
   specified by the respondent, applicants can purchase the size of home that they are able to afford which may be of a different size than indicated
   below.
 Bedroom need for applicants from the housing register has been calculated using the family size criteria implemented as part of the Welfare
   Reform Act 2012; Housing Register data does not take into account affordability and therefore an assumption is made on the most affordable
   property size based on the family make up. In this respect calculation is made on requirement only (as opposed to eligibility).
       Summary table                 1 bed       2 bed               3 bed                4 bed              Other e.g. Sheltered, independent living, private
                                                                                                             rent
                                     F   H   B   F       H    B      F       H     B      F       H      B
       Affordable housing for rent       3   4           2                   2                               1 x older person accommodation (1 bed)

       Private rent                                                          1

       Market Housing                                                        2                    1

       Shared ownership                                                      3

       Custom / self-build                               2

       Starter home                                                          1

                                                             Key: F = flats, H = houses, B = bungalows

                                                                                                                                                           P a g e | 21
The Guilsborough Parish Housing Survey was carried out during just      Shared Ownership
over a four week period in March and April 2020. The following          3 households were identified with a need for Shared ownership:
conclusions can be drawn from the survey. It should be noted that
the number identified is based on the answer provided by the            Property Type                         Number
household, and the household can choose more than one option,                                                 Required
therefore recommendation is to view this alongside the full             3 Bed House                                3
results breakdown that forms Appendix A.
                                                                        Private Rental
Affordable housing for rent                                             1 household expressed a need for private rental accommodation
9 households were identified with a need for affordable housing for
rent from a housing association, providing responses as recorded
below.                                                                  Custom or Self Build
                                                                        2 households expressed an interest in obtaining land to custom
Property Type                          Number
                                                                        build or self-build a property on.
                                       Required
1 Bed House                                 3
2 Bed House                                 2
3 Bed House                                 2                           Market Housing
1 – 2 Bed Bungalow                          4                           3 households expressed a need for market housing:
Other i.e. single person accommodation      1
                                                                        Property Type                      Number Required
                                                                        3 Bed House                                2
                                                                        4 Bed House                                1
Starter home
1 household expressed an interest in affordable housing amongst other
options.

Property Type                           Number
                                        Required
3 Bed House                                  1

                                                                                                                               P a g e | 22
Appendix A - Results breakdown
                 Affordable Homes for rent                             Market housing                       Shared       Custom/   Starter   Private        Other
                                                                                                           Ownership       Self    home      renting
                                                                                                                          build
             House                Bungalow    Other*         House               Bungalow         Other*     House
 #    1     2       3      4                            2     3       4+    2       3        4              2     3+
                                  1 - 2 bed    N/A                                                 N/A
     bed   bed     bed    bed                          bed   bed     bed   bed     bed      bed            bed   bed
                          
 2                                                   
                                                                                                                                                    Older person
 6                                                                                                                                                accommodation
                                                                                                                        
 7                                                                            
                                                                                                                                                   
10                                                                                                      
                          
11                                                                                                             
                                                                                                                                                      
12                                                                                                         
                                                                                                                                                Older person
16                                                                                                                                           accommodation
                                                                                                                                                      
17                                                                                                     
                                                                                                                                                      
19                                                                                                          
                                                                                                                                                      
25                                                                                                          
                                                                                                                                                Older person
26                                                                                                                                          accommodation
                                                                                                                                                      
27                                                                                                          
                                                                                                                                                      
31                                                                                                         
                                                                                                                                                      
38                                                                                                        
                                                                                                                                               *Single person
39                                                                                                                                        accommodation
                                                                                                                                                        
40                                                                                                         
                                                                                                                                                      
41                                                                                                         
                                                                                                                                                     
42                                                                                                          
                                                                                                                                                     
43                                                                                                          
                                                                                                                                                     
44                                                                                                          
All respondents to the survey that have not selected a property type preference or specified a preferred tenure have been omitted from the
table.

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 Appendix B – Summary of comments
Respondents to the survey were invited to give comments on the Housing Survey; this Appendix provides a summary of the comments. Those
comments that do not relate to the Survey have been omitted from this table.

Summary of comment – housing need respondents
I live on my own in a large house, owned. I need a smaller place, preferably all on one level, as mobility deteriorates. Family proposed
building a disabled friendly house for me. Would love to move to this, to avoid the possibility of having to either leave the village and family
in order to find disabled friendly accommodation, or to have to continue to struggle in current home.
I have known many elderly who have had to leave Guilsborough due to few smaller houses available in the village, to rent or buy. We are
becoming too old to maintain our large house with a large garden. We would like to build suitable, level access accommodation for
ourselves. We would like to do the same for our parent in the village of older age. We have a site. This would house both households so
we can continue to enjoy living in this parish. It would also free up two large houses for sale for younger families to purchase and enjoy.
The village could do with Fibre ability broadband with new housing and any new properties could do with better boiler systems, my current
property has electric and is very expensive to run. The village is perfect for young people to grow and flourish and without affordable
housing I feeling I may have to leave Guilsborough.
Both the primary and preschool are struggling for numbers and this is largely due to the fact there are no affordable housing providing
opportunities for families with a lower income. The community needs affordable housing to inject younger families!
Village desperately needs more young families
It is a shame that young people cannot afford to stay in the village, as prices tend to be high in comparison to town prices.
The village must continue to grow in order to support the village shop and other amenities/activities

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