Hopes are high that the 2021 United Nations Climate Change Conference – COP26 – will help to bring about significant change for the future of our planet. The construction industry is increasingly aware of the important role it must play in tackling the crisis – but how can it foster
Following the release of the latest UK Construction PMI today (4 November) and with the Bank of England’s (BoE) interest rate decision expected at 12pm, Martin Longmore, Partner at MHA, says the end of the stamp duty holiday failed to rein in demand and the jury is out whether a
R G Carter has completed the £11.4 million Digi-Tech Factory at Norwich City College which brings together the college’s digital skills provision into a single, purpose-built space, allowing the college to significantly increase the number of students and apprentices studying digital courses. City College Norwich, New Anglia LEP, and Norwich City Council (through the Department for
AECB official statement supporting the signing of the United Nations Economic Commission for Europe High-Performance Buildings Initiative The AECB is delighted to participate in the official signing ceremony for the United Nations Economic Commission for Europe (UNECE)’s High-Performance Buildings Initiative hosted by Construction Scotland Innovation Centre (CSIC) representing Scotland as the host nation for COP26. The AECB welcomes the creation of a
Midlands-based contractor G F Tomlinson is celebrating a successful award season after scooping six property and construction accolades, as well as being shortlisted for four national building awards, in less than a month. The contractor, which has offices in Derby, Newark and Birmingham, won two awards and was shortlisted for
Speedy, the UK’s leading provider of tools and equipment hire and B&Q, the UK’s leading home improvement retailer, have formally extended their partnership which offers tool hire to DIY customers. The partnership builds on an initial trial and will enable customers across the UK to hire the latest high quality
Following a phenomenal response to the company’s latest innovations that were revealed during the Küchenmeile on 18th to 24th September, Rotpunkt, leading carbon neutral manufacturer of quality German kitchen furniture follow-up with Hausmesse 21: a specially curated virtual in-house exhibition. Ensuring all UK customers can explore its latest product offerings
A property maintenance company has announced the success of a recent apprentice recruitment drive which has increased its workforce. Keen to play its part within both the local economies and communities in which it works, Platform Property Care – a subsidiary of one of the UK’s largest social landlords, Platform
Starting a restaurant business in New York City is a good idea given that it is populous, and that means you will never lack customers who need something to eat. However, there are procedures to follow, and if you do them right, nothing can stand in the way of running
Hopes are high that the 2021 United Nations Climate Change Conference – COP26 – will help to bring about significant change for the future of our planet. The construction industry is increasingly aware of the important role it must play in tackling the crisis – but how can it foster real results? National framework provider Pagabo’s latest ‘Building Blocks’ podcast, hosted by executive chairman Gerard Toplass, and featuring Julia Barrett, chief sustainability officer at national contractor Willmott Dixon and Jose Hernandez, director of sustainability at multi-disciplinary consultancy Pick Everard, explored the issues. Gerard said: “The Construction Playbook and Build Back Better initiatives rolled out by the UK Government have already placed sustainability, net zero emissions and a change in best practice at the forefront of work in the built environment. Now it is hoped the crucial COP26 summit in Glasgow will strengthen global action, provide a strategic vision and allocate sufficient resources for solutions to tackle the issues we face. “There has been a sea change in the world’s view of the climate crisis, influenced by a number of factors such as high-profile campaigning, media reporting, increased awareness among young people, recent weather extremes and our post-pandemic recovery. It feels very much like this is something that people are taking more seriously now during their daily lives and are calling for real action from our leaders.” Awareness of environmental issues is finally increasing “While many businesses have spent the best part of a decade looking at sustainability in terms of their own activity, reducing carbon emissions and maximising recycling for example, we now recognise on a wider scale that more must be done as a united front. The general awareness is now much greater; we need only look to the likes of the UN’s Inter-governmental Panel on Climate Change declaring a ‘code red for humanity’ and the Environment Agency warning on natural disaster deaths that will happen here and elsewhere to see that. “We need new strategies to build on what we have already achieved, taking into account Scope 3 emissions; this may consider employee travel and commuting as well as those emissions associated with the processing of raw materials and contracted solid waste disposal among other things. “As an industry, we have a responsibility to think about our approach both in terms of materials and the impact they have on emissions during production, otherwise referred to as embodied carbon. For example, concrete production represents around eight per cent of the world’s carbon dioxide (CO2) emissions.” Jose added: “It is concerning that reports have shown that last year global emissions may have reduced by six per cent but the forecast for this year is an increase of four per cent. Moreover, the entire building and construction industry must understand its role when considering it is responsible for roughly 40 per cent of the world’s carbon emissions. It is critical that we use all this information as an opportunity to decouple absolute and relative carbon emissions from economic growth.” Covid-19 took our choices away and forced us to change Julia said: “One of the key impacts of the pandemic is how it has actually advanced the environmental agenda, not least because of the way the construction industry adapted but also because of the dramatic decrease in people travelling. “Businesses realised they could save time, expense and increase efficiency through online meetings and virtual working. We all recognise the importance of in-person meetings for relationship building but the new hybrid approach to working has been a real positive to come from the last 18 months.” Modern construction methods are key As well as delivering great buildings, the industry has a responsibility to ensure they perform at the best level through their operation lifecycle and with minimised embodied carbon. By the time a new building is in use, between 30 and 70 per cent of its lifetime emissions are accounted for. Julia added: “In practice, this means engaging clients early on in the brief to ensure that sustainability and efficiencies are embedded rather than an ‘add on’. Understanding that addressing environmental impact early on, despite some larger upfront costs, will also have a positive economic outcome in the long-term is vital. This is a shift change in some cases but will play a hugely important role in supporting the climate change agenda. “It’s also really important that supply chain SMEs must know what they are spending on fuel and energy because of the impact on their carbon emissions. According to the CBI, only 11 per cent of SMEs know what their carbon emissions are, which is a massive opportunity to reduce fuel costs thereby increasing profits while protecting the planet.” The benefits of frameworks Gerard continued: “The key elements in a framework are the references to whole life carbon. The impact doesn’t stop once the building has been completed and starts being used – and this is vital when it comes to climate change and sustainability. “Frameworks provide a consistent structure and scope, giving firms an opportunity for growth and alignment. It levels the playing field in a collaborative and positive way to drive up standards, creating a ‘gold standard’. The Construction Playbook has been a driver for change within the industry, but wider adoption particularly among the public sector in terms of sustainability requirements is key.” Thoughts for the future “COP26 is now underway and while we have started to see the conversation changing, there is still much to do. Each country pledged to sign up with its nationally declared contributions to reducing emissions to limit a global temperature rise but it is not yet clear what that means. It’s time to stop talking and take action. “Innovation, particularly within the construction sector, is widespread so we have an excellent opportunity to embrace sustainability and climate change as key drivers for what we do next. We collectively need to make changes now, embrace new technologies, ways of working and thinking as we make strides towards our ambitious but vital carbon targets.” Listen
Following the release of the latest UK Construction PMI today (4 November) and with the Bank of England’s (BoE) interest rate decision expected at 12pm, Martin Longmore, Partner at MHA, says the end of the stamp duty holiday failed to rein in demand and the jury is out whether a rise in interest rates and mortgages will put the brakes on either: “Those fretting that the recent end of the stamp duty holiday would dampen demand in the UK housing market needn’t have worried. Most house price indices continue to show annualised increases of between 6% and 10%. Demand is also outstripping supply with sellers still not tempted to enter the market and the supply of new properties hampered by raw material and labour shortages. “However, if the Bank of England announces any changes to the interest rate later today, or at its next meeting in December, this picture could look very different. With the rate of inflation above the BoE’s target of 2%, Monetary Policy Committee members are under increasing pressure to put up base rates. Indeed, mortgage companies have already withdrawn a significant number of their most attractive deals pending the announcement today. “Markets have factored in a limited number of base rate rises through 2022 though nobody expects these to be dramatic. As such, the jury is very much out as to whether action on interest rates (if it happens) will have a big impact on UK house prices. “The commercial property market in the UK remains turbulent. Landlords are struggling because they’ve had to provide concessions during the worst of the pandemic. They’re also facing weak demand and dealing with office tenants still bewildered over what the need for spaces over the long-term might be. The announcement of the acquisition of urban regeneration specialist U+I by property giant Landsec this week, for £190m in an all-cash deal, does imply that there may be some confidence returning to the market.”
R G Carter has completed the £11.4 million Digi-Tech Factory at Norwich City College which brings together the college’s digital skills provision into a single, purpose-built space, allowing the college to significantly increase the number of students and apprentices studying digital courses. City College Norwich, New Anglia LEP, and Norwich City Council (through the Department for Levelling Up, Housing and Communities’ Towns’ Fund) have collectively invested £11.4m in the Digi-Tech Factory as a direct response to a key skills priority for Norfolk and Suffolk. Growth in the UK’s digi-tech sector has significantly outstripped that of the wider economy and that trend is set to continue. New Anglia Local Enterprise Partnership wants to see more of the £100bn worth of economic output nationally being generated in the region – with its Strategic Economic Plan forecasting a need to fill 10,000 vacancies in the digi-tech sector by 2024. The importance of digital skills extends far beyond the digi-tech sector itself, with digital skills increasingly being required throughout the rest of the economy too. Designed by Coffey Architects and in collaboration with Pro:works, R G Carter has constructed the four storey building which is now equipped with £750,000 worth of the latest computer technology. Mario Rackham, Director and General Manager, R G Carter, said: “This cutting-edge building symbolises magnificently the forward-thinking and progressive digital study and discovery that will take place within it and we are thrilled to play a part in enhancing and developing the digital skills of people in Norwich and Norfolk.” Over 60 miles of cable have been installed throughout the building and 220 tonnes of steel were used to construct the factory. It is connected by two walkways to the award-winning Creative Arts Building, encouraging the natural cross-over and collaboration between the college’s University of the Arts London creative arts courses – including art and design, media production, graphic design, music, and photography – and digital skills training. Corrienne Peasgood OBE, Principal, City College Norwich, commented: “The Digi-Tech Factory will play a key role in enabling us to deliver innovative, industry-standard learning, and a digital skills curriculum developed with substantial input from employers. “It’s been brilliant seeing how the new building has been received by our lecturing staff, students, and apprentices, during the first weeks of term, and the difference this is already making to the teaching and learning of a wide range of digital skills. Jon Bonham, Director of Estates and Facilities at City College Norwich added: ‘We are delighted with how the build has gone and with the finished result, which has delivered on the crucial technical specifications as well as creating a stunning, state-of-the-art teaching and learning environment for the college’ Seven former City College Norwich students currently employed by R G Carter worked on the construction of the Digi-Tech Factory, including Assistant Project Manager, Ed Carr and Director and General Manager, Mario Rackham. In addition, four current construction students gained a combined 1,184 hours of work experience with R G Carter on site and the company donated 4,400 bricks to bricklaying students at the college.
AECB official statement supporting the signing of the United Nations Economic Commission for Europe High-Performance Buildings Initiative The AECB is delighted to participate in the official signing ceremony for the United Nations Economic Commission for Europe (UNECE)’s High-Performance Buildings Initiative hosted by Construction Scotland Innovation Centre (CSIC) representing Scotland as the host nation for COP26. The AECB welcomes the creation of a collaborative global network of 26 international Centres of Excellence of High Performance Buildings (including CSIC) to provide education, training, and other critical resources to regional building industry practitioners, supporting local industry in the rapid development of buildings consistent with the UN Framework for energy efficiency standards in buildings. The AECB is launching the AECB CarbonLite™ Training Centre consolidating AECB’s professional advanced retrofit training recognised by the Secretary of State for Business, Energy and Industrial Strategy (BEIS) in the UK Government’s Heat and buildings strategy (October 2021) with reference to the e-learning AECB CarbonLite™ Retrofit course launched in 2016. BEIS identifies the urgent UK demand: “A current lack of installers, retrofit assessors, and retrofit co-ordinators is a major barrier to decarbonising the UK’s building stock.” The AECB has long championed a fabric-first whole-buildings and whole-system approach identified as the No.1 policy focus in the UK Government’s strategy. The AECB has developed a set of building standards and guidance including the unique self-certification AECB Retrofit Standard published in March 2021. These standards tackle historic underperformance and the performance gap when designing buildings, developed to equip UK construction to deliver better energy efficiency for a low carbon future. AECB is redeveloping the Low Energy Buildings Database (LEBD) as an international platform showcasing exemplar low energy buildings case studies. AECB is the longest established network of UK construction professionals dedicated to building a low carbon future. To accelerate the UK’s journey to Net Zero carbon, the AECB runs highly professional e-learning retrofit training. The success of the e-learning AECB CarbonLite™ Retrofit course has resulted in a strong community of CarbonLite™ Graduates across the UK AECB has launched CPD capabilities with the new annual CPD Cert. Building Energy Modelling using PHPP with TU Dublin. AECB is developing a package of existing and new training aligning with the UK PAS 2035 framework. Andy Simmonds, CEO Association for Environment Conscious Building (AECB) 3rd November 2021 For details of UNECE and the Sustainable Development Goals please click here
Midlands-based contractor G F Tomlinson is celebrating a successful award season after scooping six property and construction accolades, as well as being shortlisted for four national building awards, in less than a month. The contractor, which has offices in Derby, Newark and Birmingham, won two awards and was shortlisted for a third at the Bricks Awards, was crowned a winner at the East Midlands Property Awards and scooped three regional awards at the LABC Building Excellence Awards. At the Bricks Awards, G F Tomlinson was named as Responsible Business of the Year and Overall Winner on the night. The company’s Nottingham Castle transformation project was also shortlisted under Sustainable Development of the Year. Winners were announced at a ceremony held at Trent Bridge Cricket Ground in September. The contractor achieved further success with its flagship project at Nottingham Castle – winning Regeneration and Restoration Project of the Year at the East Midlands Property Awards, and Best Non-Residential Conversion at the LABC Building Excellence Awards. Nottingham Castle, which reopened to the public earlier this year following lockdown, has recently undergone a £31million redevelopment – with construction and restoration being carried out by G F Tomlinson acting as main contractor. The redevelopment saw careful restoration of the Castle’s 17th century roof, a new extension to house exhibition galleries, and the construction of a visitor centre with a ticketing office, café and outdoor seating area. The contractor has also won two further accolades at the LABC Building Excellence Awards – naming its Tower Gardens Pavilion project in Skegness as Best Public or Community Building, which was successfully delivered via the company’s ongoing involvement on the Scape Regional Construction framework, and the Medical Technologies Innovation Facility for Nottingham Trent University as Best New Build. Due to its regional LABC success, the company is now shortlisted for three national awards which are due to be announced 28th January 2022 at the Park Plaza, Westminster Bridge in London. G F Tomlinson’s fourth national shortlisting is at the prestigious Building Awards – with Nottingham Castle named as a finalist in the Refurbishment Project of the Year category. A black-tie ceremony announcing the winners took place at the Grosvenor House Hotel in London 2nd November. Chris Flint, managing director of G F Tomlinson, said: “We are absolutely delighted with our award achievements this year – it is great to be recognised at all of these acclaimed regional awards, coming up against strong competition that showcases all the fantastic work that has been happening in the industry over the last year. “Despite the challenges that COVID-19 has posed, the industry remains buoyant and has delivered a number of exceptional schemes across the East Midlands and we are pleased to have played our part. “It is also exciting to be shortlisted for the national Building Awards and LABC awards – Nottingham Castle is our flagship project to date and we were pleased to work with so many different local and regional specialists and teams to complete the work on time. Throughout the project we ensured that labour was sourced from local businesses and organisations and we are proud to say we were able to recycle 97% of the onsite construction waste as we continue to take responsibility of our sustainable footprint. It is also rewarding to see a relatively small project like the Tower Gardens Pavilion in Skegness pick up so many regional awards and go on to national recognition. Working jointly with our partners, Scape, this project has a strong community story to tell.” G F Tomlinson works across multiple sectors within the construction industry including education, healthcare, residential and heritage. Over the years, it has partnered with a number of framework clients including Scape’s Regional Construction framework, delivering local projects with the aim of providing social value initiatives in order to benefits the communities, environment and economy within the midlands region.
Speedy, the UK’s leading provider of tools and equipment hire and B&Q, the UK’s leading home improvement retailer, have formally extended their partnership which offers tool hire to DIY customers. The partnership builds on an initial trial and will enable customers across the UK to hire the latest high quality tools and equipment from Speedy stores within B&Q, for their home improvement projects. B&Q is committed to making it easier for customers to improve their homes and make life better. Partnerships are an essential part of this, with shop-in-shop and concession partnership models enabling B&Q to adapt quickly to changing consumer demands in order to get closer to customers and ensure that their needs are met. The Speedy Hire partnership demonstrates the pace, scale and agility that’s central to B&Q’s growth strategy. “Following a successful trial, we are delighted to announce this formal agreement to extend our partnership with B&Q. This new agreement demonstrates the power of the Speedy brand and our market leading customer service proposition. We have seen growing demand from B&Q customers for our products since we opened our first in-store outlet last year, and we’re excited about supporting more DIYers up and down the UK as we continue to grow,” said Russell Down, Chief Executive, Speedy. The Speedy in-store outlets will provide B&Q customers with access to the firm’s national four-hour delivery promise on its 350 most popular products. These range from angle grinders, floor sanders, hammer drills and mixers to tower scaffolds, generators, lighting and dust extraction units, and can be ordered in time to enable DIYers to get on with the job same day. Speedy has seen rising demand for hire from B&Q customers since the start of the trial last summer. Hiring a wide range of tools and equipment enables homeowners to be more confident and ambitious with their DIY, and provides them with a convenient and accessible way of completing improvement projects where buying bigger ticket DIY tools may not be feasible. “We’re delighted to be rolling out tool and equipment hire service concessions to 23 more of our stores with Speedy, following a trial at 16 stores. Our customers are continuing to adapt and change to new ways of living and shopping, and the Speedy concessions are just one way in which we’re making it easier for people to improve their homes. We’re excited by the potential re-use of our space to offer new services in store and the positive response we’re seeing from our customers,” added Chris Bargate, Director of Business Development, B&Q. With sustainability high on the agenda, hiring tools that would be used a handful of times and then stored away potentially destined for landfill will also benefit the environment, reflecting a more circular economy in the re-use of DIY tools and equipment. Speedy’s existing customers will also have access to the new trade counters 7 days a week to order and collect products, adding to its existing 200-strong national Service Centre network. The roll-out follows the successful trial in 16 B&Q stores with a further 23 in-store outlets scheduled to open by January.
Following a phenomenal response to the company’s latest innovations that were revealed during the Küchenmeile on 18th to 24th September, Rotpunkt, leading carbon neutral manufacturer of quality German kitchen furniture follow-up with Hausmesse 21: a specially curated virtual in-house exhibition. Ensuring all UK customers can explore its latest product offerings – in person or remotely – Rotpunkt, now virtually open its doors so visitors can experience online: 2022 Brand & Product Presentation(s) in 3D 360° Virtual Tour: live interactive walk-through of the flagship Rotpunkt Showroom in Germany, made available online Downloads: 2022 Product Innovations | 90 Year Anniversary Book “In line with our 2022 brand promise to ‘stay connected’, we want to make sure our customers have the option to explore all of the new products around their business schedule, not ours. With supply chains facing unprecedented disruption globally, we are determined to safeguard our retailers and ensure plenty of resources for them to stay resilient, accessible and competitive in the marketplace,” explains Matt Phillips, Head of UK Operations at Rotpunkt. “Our virtual tour is designed to be super-easy to navigate and our UK team are available to help customers choose the best individual packages for their retail profiles and customer demographics. A key marker of our sales and support strategy is to offer dealers the ability to present our full range of new products at the point of sale, which is why we are also upgrading our Inspiration Point concept next year, with a range of added-value digital solutions. “We predict in 2022 even more capacity for new kitchens and home improvements, with a focus on custom utility and storage zones, architectural kitchen living spaces and combinations of wood and block colour. With this in mind, we look forward to introducing our new product innovations at Kbb Birmingham 2022 next March, to continue connecting with our growing retail community face-to-face.”
A property maintenance company has announced the success of a recent apprentice recruitment drive which has increased its workforce. Keen to play its part within both the local economies and communities in which it works, Platform Property Care – a subsidiary of one of the UK’s largest social landlords, Platform Housing Group – has recruited five new apprentices to various roles. The new recruits are Declan Coleman, Alex Pugh, Sue Walker, Thomas Ransford and Josh Easton. Nineteen year old Declan Coleman, from Malvern, Worcestershire, has joined Property Care as an apprentice carpenter through the apprentice recruitment campaign; the apprenticeship, which will take two years to complete, is complemented by Declan studying a carpentry and joinery course at Hereford, Ludlow and North Shropshire College. Declan said : “I am really enjoying my apprenticeship so far; I hope to become fully qualified and work my way up the organisation. I always get the help I require and everybody treats each other with respect.” Alex Pugh, aged 18, from Stourport-on-Severn, Worcestershire has also joined the company on a 4 year electrical apprenticeship; studying Level 3 Electrical Installations, also at Hereford, Ludlow and North Shropshire College, Alex studied Business, Maths and Physical Education A Levels at sixth form. Alex said : “My apprenticeship is such a fantastic opportunity and I am looking forward to seeing what the future holds for me. I am really enjoying it so far, no two days are the same and there is always a variety of work. Platform made me feel so welcome right from the start.” Interestingly, 380 applicants – out of the 538 recently advertised apprenticeships throughout Platform Property Care – applied for the three electrical apprenticeships, proving how sought after such apprenticeships are. The second electrical apprentice to join the company is Sue Walker from Redditch, also studying at Hereford, Ludlow and North Shropshire College; previously employed in administration, Sue combined her employment with studying NVQ Diplomas, Level 2 and Level 3, in Electrical Installations. Sue – who has previously completed work experience with Platform – said : “I’m looking forward to learning and developing my skills and building my knowledge to become a fully competent electrician. Prior to joining Platform I looked at other apprenticeships and concluded that Platform offered the best apprentice package making me feel that they value both their apprentices and their staff. I look forward to building my career with them.” Thomas Ransford has started a 4 year electrical apprenticeship studying at Birmingham Electrical College. Tom said : “Doing an apprenticeship is the best way to obtain the skills and knowledge of a trade in a controlled environment making it easy to learn and progress in completing the course. I hope to become a worthwhile member of the Platform team; I am a firm believer that what you put in you will get out!” The fifth newest apprentice of the apprentice recruitment campaign is Josh Easton who has joined the social landlord on a carpentry apprenticeship. Since September 2021, 17 new apprentices have joined Platform Property Care; with 30 apprentices in total, this equates to 5% of its total workforce.
Starting a restaurant business in New York City is a good idea given that it is populous, and that means you will never lack customers who need something to eat. However, there are procedures to follow, and if you do them right, nothing can stand in the way of running one of the most profitable eating places in the city. There are some of the factors you need to pay attention to, and they include the following. 1) Business Plan You will need a guide that will help you open a restaurant, and that is where a business plan comes in. The plan will include the registration process, certification, suppliers, staff hiring, and menu setup. You will also need to draft what kind of business you want to start, whether a corporation, sole proprietorship, or partnership. You can benefit a lot by consulting the restaurant construction NYC for guidance on how to go about setting up your premises. From the construction process to the interior décor, you will have a helping hand to ensure no mistakes occur at any step. Having a professional to help you when starting a business ensures that you do not incur unnecessary losses since they understand what it takes to avoid any losses and miscalculations. 2) Licensing For your restaurant to run successfully, you will need to obtain a permit issued by the local health authority. To know what kind of permit you will apply for, you will have to answer some questions through an online system. You should apply for the permit before opening the restaurant, which can take at least 21 days before it is issued. 3) Insurance When operating a restaurant, you will not be alone since you will have employees and customers coming into the premises. Therefore, you will need an insurance cover to help you protect your business from theft, injuries, property damage, or illnesses caused by eating the wrong food. There are several insurance covers you can take, but some are necessary as per the legal regulations. You need General Liability Insurance to cover medical bills for personal injuries and property damage. If employees are injured at the workplace, you will require Workers Compensation Insurance. To know which insurance policy is suitable for your restaurant, you can consult an insurance expert who can guide you through the process. 4) Observation Of Health And Safety Rules Running an eatery means that you will have to observe some health and safety standards to ensure that those who eat at your restaurant do not become ill from consuming bad food. The department of health in the city has some stipulated regulations that food stores are required to observe. Some of them include but are not limited to staff cleanliness, such as washing vegetables and fruits, and not allowing your staff to work if they suffer from specific illnesses. Other rules include proper garbage disposal, plumbing, ventilation, and sanitizing utensils. There are regular inspections carried out by the local health authorities to monitor restaurants and to ensure that they meet the set health and safety regulations put forth by the city. Following the regulations will ensure that you not only have a clean and organized kitchen, but you will also be abiding by city regulations, and providing the best and most clean services to your customers. Finally, it is proper to ensure that everything runs efficiently and effectively to avoid the closure of your business due to any negligence.
