25th summit brochure

8/8/2019 25th Summit Brochure

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Silver

Jubilee

2 5 t h M a r c h 2 011

Hot el Shangr i-La, Asho ka Ro ad,New Del h i

2 6 t h M a r c h 2 011

Ins t it u t e o f Soc ial Sc ienc es ,8 Ne l son Mandel a Ro ad, New Del h i

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Supported by

Media Partner

Co-organiser

Department of PostsGovernment of India

Ministry of Panchayati RajGovernment of India

Ministry of Rural DevelopmentGovernment of India


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Silver

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nDecentralization

The Unfinished Agenda

nRethink ing the Role of

the Government

nPoverty Alleviation:

Need for a New Approach

nIndia after Aadhar

nData Based Partic ipatory

Planning & Resourcing

nCreating a Social Security Net

nRe-architecting the Tax System

for Resource Mobilization

nNeGP 2.0

nRegulatory ReformsnInfrastructure and Governance

nSmart City Safe City

SUMMIT KEY CONTENT

BOOK LAUNCH

AWARDS

AWARD

Since the last few years we are witnessing a paradigm

shift, armed with the Right to Information and

a hyper-active media, the citizenry is getting

more active and participative towards felt needs based

governance and has a heightened expectation form public

services delivery. This may finally see India reinvented

in the Panchayati Raj vision of Mahatma Gandhi and the

championing of the cause by Rajiv Gandhi through the

introduction of the 73rd and 74th amendments. Agreement

on linking the people of India and making their voices reachup the administrative layers is by and large complete at

least in the major political parties. Sadly, the action on the

ground leaves a lot to be desired.

First and second generation reforms have become

hackneyed expressions. Key pending reforms are in areas

like infrastructure, the rural sector, taxes, the legal system

and public expenditure. There are certain things the

government needs to do. This is rethinking the role of the

government. There is an optimal level of government at

which these goods and services can be efficiently delivered.Above and below this level, there are diseconomies of scale

and scope. This is the unfinished agenda of decentralization.

To perform these tasks, the government needs resources. A

new architecture for the tax system is a key ingredient of

this. Other than delivering an enabling environment for

growth, one needs to ensure inclusion. This means that one

has to have a new approach towards poverty alleviation.

Since markets and reforms involve greater exposure to risk

and uncertainty, there must also be inclusive social security

systems that can transcend the formal/organized sector and

encompass self-employment. Aadhar is a first step in thisprocess of identification and may become a key catalyst for

a permanent shift towards demand side governance. The

word governance is over-used. But its key components are

participation, law and order and appropriate regulation.

Focused on the theme of Reinventing India, the 25th

Skoch Summit would be deliberating on imperatives of

the demand side governance as opposed to supply side

governance.

26th March 2011Institute of Social Sciences,8 Nelson Mandela Road,

New Delhi

THINKERS

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Skoch Summ i t Her it age

11,000 senior and serious delegates, over 1,500 stakeholder

organizations, 700 best-in-class speakers, and 24 national level

leadership Summits in a short span of 8 years the Skoch Sum-

mit has traveled a long distance in making itself a much sought

after destination. Our Summits have come shining through in last

as many years and we are now poised to celebrate the Silver

Jubilee 25th Skoch Summit on 25th March 2011.

The Skoch Summit a multi-stakeholder platform was created

in 2003 when we organized ourfirst leadership summit. Ever

since these have grown from strength to strength in terms of con-

tent, participation and stature. All of 24 Summits organized so far

have debated and deliberated on issues that have been months

ahead of their time before theyfind a place on governments

agenda. It is not only the seniority of speakers and presenters

but also the senior and serious delegate profile that has construc-

tively contributed to each of Summit proceedings that have been

published in the form of well-circulated global edition books. This

is something that makes our Summits unique. Our speakers aresimply the best in theirfield and are hand picked through careful

ideations.

Skoch has been working in the areas of digital, social and

financial inclusion since 1997. Our research, publications, capac-

ity building workshops and leadership summits have helped

strengthen and shape many a public policy dialogues. Given the

primary strength of the company in the areas of consultancy and

research, we are able to bring together the highest number of

emergent and existing opportunities together to share, ideate

and move forward.

24th Skoch SummitDelivering Equality Growth & Social Justice10th - 12th November 2010, Hotel Shangri-La, New Delhi

23rd Skoch SummitFinancial Deepening17th-18th June 2010, Hyatt Regency, Mumbai

22nd Skoch SummitIndia Decade17th - 18th March 2010, Hotel Shangri-La, New Delhi

21st Skoch Summit

Infrastructure, Finance and Governance10th - 11th November 2009, India Habitat Centre, New Delhi

20th Skoch SummitInclusive Growth 2.016th - 17th July 2009, Hotel Hyatt Regency, Mumbai

19th Skoch SummitIndia: Challenges & Policy Responses22nd- 23rd January 2009, India Habitat Centre, New Delhi

18th Skoch SummitIdeating Third Generation Reforms23rd - 24th October 2008, India Habitat Centre, New Delhi

17th Skoch SummitScaling Financial Inclusion10th - 11th June 2008, Taj Lands End, Mumbai

16th

Skoch SummitState of Panchayats - Focus on Finances &Emerging Technolog ies for Rural India18th - 19th March 2008, India Habitat Centre, New Delhi

15th Skoch SummitInfrastructure & Governance17th - 18th October 2007, India Habitat Centre, New Delhi

14th Skoch SummitFinancial Inclusion:Need for Full Spectrum Implementation5th - 6th June 2007, Taj Lands End, Mumbai

13th Skoch SummitRole of ICT in Grassroots Planning andSmooth and Transparent Flow of Funds15th - 16th March 2007, India Habitat Centre, New Delhi

12th Skoch SummitNorth Eastern Region: Challenges andOpportunities14th - 15th November 2006, NEC, Shillong, Meghalaya,

11th Skoch SummitState of e-Governance: Improving Outcomes12th - 13th October 2006, Hotel Intercontinental Eros, New Delhi

10th Skoch SummitIdentifying Replicable Projects17thAugust 2006, Hotel Intercontinental Eros, New Delhi

9th Skoch SummitFinancial Inclusion7th - 8th June 2006, Taj Lands End, Mumbai

8th Skoch SummitSaluting Best Practices28th March 2008, Hotel Intercontinental Eros, New Delhi

7th Skoch SummitMeasuring Outcomes19th - 20th October 2005, Hotel Intercontinental Eros, New Delhi

6th Skoch SummitStrategic Imperatives for Sustainable Growth15th - 16th June 2005, Taj Lands End, Mumbai

5th Skoch SummitRural Delivery Systems17th February 2005, Hotel Intercontinental Eros, New Delhi

4th Skoch SummitDelivering Equality, Growth and Social Justic e27th - 28th October 2004, Hotel Intercontinental Eros, New Delhi

3rd Skoch Summit

Strategies for Sustainable Growth & Solutions15th - 16th June 2004, Taj Lands End, Mumbai

2nd Skoch SummitSustaining the Growth Engine19th Feb 2004, The Oberoi Hotel, New Delhi

1st Skoch SummitImperatives for Inclusive Growth26th March 2003, The Oberoi Hotel, New Delhi


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India is going to be the next

growth miracle of the global

economy. With better governance

and appropriate policies, it can, in

fact, become the fastest growing

economy in the world.

Vijay Kelkar

Former Chairman, 13th Finance Commission

Where institutions are dysfunctional,

they need to be regenerated; where

they dont exist, functional ones have

to be created.

Where institutions ar

they need to be regen

they dont exist, func

Montek Singh Ahluwalia

Deputy Chairman, Planning Commission

India is going to be th

growth miracle of the

economy. With better

sion

>> SKOCH SUMMIT >> SKOCH SUMMIT >> SKOCH SUMMIT >> SKOCH SUMMIT >> SKOCH SUMMIT >> SKOCH SUMMIT >> SKOCH SUMMIT >> SKO


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>> SKOCH SUMMIT 2010 >> SKOCH SUMMIT 2010 >> SKOCH SUMMIT 2010 >> SKOCH SUMMIT 2010 >> SKOCH SUMMIT 2010 >> SKOCH SUMMIT 20

24th Skoch Summit, November 2010, New Delhi

Delivering Equality Growth & Social Justice

India afterAadharThe goal of the Unique Identification Authority of India

(UIDAI) is an ambitious, but simply stated objective: issue

a unique identity number or Aadhar to every resident in the

country. The impact of this move, however, is likely to be

broad-ranging over the next decade and will permanently

change how we tackle poverty and how we approach our

welfare programmes, service delivery and development

and governance. The Unique Identity Number project will

enable the poor to access important resources and services

hitherto denied to them, partly due to their invisibility andpartly because of the leakage and fraud that have become

an inherent part of our system. The digitization that the UID

brings to identity verification will replace a vast paper-based

system that had long established itself across Indias service

infrastructure. While it is true that the UID project, is estimat-

ed to cost some $2.2-$4.4 billion to implement, it will bring in

an equal amount in savings annually from the elimination of

duplicate and false identities. A project of such size has not

been done yet anywhere in the world. The largest biometric

system has 1.2 million users, and Aadhar is targeting about

10 times that. As per estimates the poor pay $10-12 billion

in usurious interest each year as over 500 million adultsare excluded from formal banking. Meanwhile, over 40 per

cent of the governments $250 billion in subsidy and social

spending in select schemes planned over the next five years

is likely to be siphoned off, mostly by ghosts and undeserv-

ing recipients. This comes on top of leakages and losses

in public distribution systems, and the old-age pension,

Mahatma Gandhi National Rural Employment Guarantee

and various healthcare schemes. A robust identity database

can drive better service delivery, inclusion across society,

compliance and tracking.

Poverty Alleviation: Need for a

Fresh ApproachWhere once economic growth was the stated goal of develop-

ment, which shall reduce poverty, today poverty alleviation

appears to stand as governments principal objective. This shift

in focus has engendered a concern with the identification and

measurement of poverty. There are some problems that have

been seen in poverty alleviation initiatives. For instance, the

causes of poverty are often seen as being the same every-

where, approaches to poverty alleviation generally overlook

the local processes by which phenomena become classified as

problems and overlooking of local means by which people al-

ready attempt to address this problem. Further, because poverty

is conceived as a singular problem with universal causes, con-

temporary poverty-alleviation efforts have difficulty in identifying

the trade-offs and synergies the compromises and the mutual

benefits that accompany any poverty-reduction intervention

and must be managed to ensure the efficacy of that intervention.

It is no ones case that there should not be direct anti-poverty

programmes, or that there should not be subsidies for the

poor. Manyfiguresfloat around in India on the poverty ratio,

the number of people below a designated poverty line. One

problem is data, since NSS large samples surface with a time-

lag and the last one is still for 2004-05. Figures are different

because the poverty line used is different. Beyond debate over

the numbers, the issue is simple. Growth is the best solution

to poverty. However, not everyone can access market-based

opportunities that growth throws up. This is because there is

inequitable access to education, health, roads, electricity, water,

markets, the legal system, financial systems, information and

technology. These inequities must be removed. However, there

can also be a case for subsidizing essential goods and services.

Poverty is an individual or household-level characteristic and

is imperfectly captured through collective categories like caste,gender, ethnicity or religion. This also avoids the problem that

NSS is a survey, not a Census.


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Data Based Participatory

Planning and ResourcingThe Gram Panchayat level plans being formulated on the

basis of felt needs coming out of the meetings of Gram

Sabha will then need to be integrated with the country level

plan. This coupled with better accounting and monitoring

of funds being spent through PRIs, a right to information

enablement of the system at the grassroots and a big step

towards implementing a more vibrant participatory democ-

racy that will see institutionalization of processes enabling

better governance and higher levels of participation. But to

move forward one would require inputs that relate to facilita-

tion of local level planning, empowerment, strengthening of

the local skills base and peoples participation. This shall

help facilitate decentralized planning process, plan workflow,

converge theflow of funds, and bring about transparency

in plan approval and monitoring process. A Panchayat level

index could also help smoothen the entire process in terms

of correct data availability about resources, soft and hard

infrastructure, households, cattle, etc. The impact of all this

on governance could be far greater than expected. An inte-

grated approach to data based participatory planning allows

for broad-based and focused participation of various sectors

in different facets of infrastructure development as well.

23rd Skoch Summit, July 2010, Mumbai

Financial Deepening

In addition to connecting Bharat to

India, increased Internet penetration

will also go towards effective

governance and help in areas like

agriculture, health, education,

banking the scope is vast.

Ajai Chowdhry

Chairman, HCL Infosystems

In addition to connecting

India, increased Internet p

will also go towards effec

overnance and help in ar


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Private investments are expensive

methods of implementing projects

tardily. They are efficient if you can

implement projects expediously

and I think that is one singular

issue that needs to be addressed in

implementing projects, especially in

urban areas.

Private investments are e

methods of implementing

tardily. They are efficient

implement projects exped

Hari SankaranMD and CEO, IL&FS

> SKOCH SUMMIT 2009 >> SKOCH SUMMIT 2009 >> SKOCH SUMMIT 2009 >> SKOCH SUMMIT 2009 >> SKOCH SUMMIT 2009 >> SKOCH SUMMIT 2009

For policy makers at the central and

state level, experiences of what the

needs are at the grassroots level are

important but execution should, as far

as possible, be left to the local people.

The functionaries of the social sectorschemes should be made accountable to

elected representatives of PRIs.

Sudha Pillai

Member-Secretary, Planning Commission

For policy makers at the c

state level, experiences of

needs are at the grassroot

important but execution s

20th Skoch Summit, July 2009, Mumbai

Inclusive Growth 2.0


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SKOCH SUMMIT 2009 >> SKOCH SUMMIT 2009 >> SKOCH SUMMIT 2008 >> SKOCH SUMMIT 2008 >> SKOCH SUMMIT 2008 >> SKOCH SUMMIT 2008

We need to pay more attention at

the bottom of the pyramid, focusing

more on growth of large number

of people and not the handful.

We are setting up the right kind

of infrastructure for the next big

jump, which is creating an inclusive

society, providing education, health

services, and creating more jobs.

We need to pay more att

the bottom of the pyrami

more on growth of large

f people and not the han

H SU IT 2008 >> CH SU IT 2008

Sam Pitroda

Advisor to the Prime Minister on Public InformationInfrastructure and Innovations

Lot of governance structures have

outlived their utility in the current

context. We need to shift from supply

side governance to demand side

governance, which shall emanate fromparticipatory planning and electronic

tracking and tagging of every rupee that

is being spent.

Sameer K ochhar

Chairman, Skoch Group

Lot of governance structu

outlived their utility in th

context. We need to shift

side governance to deman

p

18th Skoch Summit, October 2008, New Delhi

Ideating Third Generation Reforms


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As the government looks at expanding

the scope as well as reach of services,

requiring investment of billions of

rupees, cost-effectiveness becomes

a predominant consideration. Many

factors contribute to both costs and

outcomes, and it is vital to lookat ways to minimize the first and

maximize the second.

Kiran Karnik,

Former President, NASSCOM

As the government looks

the scope as well as reach

requiring investment of bi

rupees, cost-effectiveness

17th Skoch Summit, June 2008, Mumbai

Scaling Financial Inclusion

Regulatory ReformsThe Indian democracy is profoundly influenced by the social

welfare concept ingrained in the Constitution, which delin-

eates the basic principle of governance in India. An added

feature is that the ideal of social welfare state is sought to be

translated into practice through state planning of economic

resources with a view to create a socialistic pattern of

society which involves improving the economic conditions

of the people keeping in view the demands of social justice.

All resources of the country are organised and utilized with

that end in view. This has led to state activism. The statehas taken over a large number of functions, which range

from economic and social planning to industrial production,

control over infrastructure and involvement in social services

like health, education and social welfare leading to an

increase in the administrative functions of the state. To en-

able the administration to discharge its functions effectively,

it has been given powers of inquiry, control and supervi-

sion. For these purposes a plethora of rules, bye-laws, and

orders of a general nature have been issued which emanate

from diverse legislations. These regulations or subordinate

legislations have assumed more importance than the legisla-

tions enacted by the legislature because these affect the

citizens at the cutting-edge level where they interact with the

State. The action plan for regulatory reforms include making

administration accountable and citizen-friendly; ensuring ef-

ficiency and transparency; strengthening right to information;

and, measures to motivate the government machinery.


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The financial sector reforms that are

currently underway in India must be seen

as a component of the overall scheme of

structural reforms aimed at enhancing

the productivity and efficiency of the

economy as a whole and also increasing

competitiveness. Separately, banks need

to think on how to meet the challenges

of meeting the credit requirements of the

marginalized.

The financial sector refor

urrently underway in Ind

as a component of the ove

structural reforms aimed

H SU IT 200 >> CH SU IT 2008

C Rangarajan

Chairman, Economic Advisory Council to the Prime Minister

Efficient document management is an

important way to achieve paperless

government. Rather than fragmenting,

centralized multifunctional device

should be installed, which will lead to

cost-effectiveness and reduced power

consumption.

Alok Bharadwaj

Senior Vice President, Canon India

Efficient document mana

important way to achieve

government. Rather than

centralized multifunction

t, Canon India

16th Skoch Summit, March 2008, New Delhi

State of Panchayats - Focus on Finances & Emerging Technologies for Rural India


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Infrastructure & Governance

Infrastructure and GovernanceInadequate infrastructure perpetuates inequity, inequal-

ity and disparities social and economic. This acts as a

stumbling block to productive capacities of a developing

economy that India is. Availability of quality infrastructure

aids productive capacities. But the question arises, where

to start? Some of the answers could be found in data and

statistics relating to different types of infrastructure spread

across geographies. There are two types of infrastructure:

soft, in terms of educational infrastructure, social milieu,

health services and so on. The hard infrastructure includes,roads, water, electricity etc. The availability of correct data

helps processes, planning and policy and provides guidance

towards investment decisions. Participatory planning, an

important aspect of democratic decentralisation in India,

is a pre-requisite to converging public resources at district

level upwards for human development. Certainly, in this

context then the quality infrastructure becomes an important

ingredient for growth. But decentralization alone is no

panacea; services can get better or worse. As with all other

reforms, implementation is everything. Currently, in most

states decentralization is unbalanced. Moving forward with

a well designed decentralization program requires aligning

the three Fs: funds, functions and functionaries in way that

make it possible to have technically effective services with

both accounting and accountability.

There is need to shift focus from

sickness care to health care and

drinking water, sanitation, nutrition,

electricity and roads. If we can provide

these basics to our citizens, we wouldhave solved more than 50% of their

health issues.

Dinesh Trivedi

Minister of State of Health and Family Welfare

There is need to shift focu

sickness care to health car

drinking water, sanitation,

electricity and roads. If w

ealth and Family Welfare


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> SKOCH SUMMIT 2007>> SKOCH SUMMIT 2007 >> SKOCH SUMMIT 2007 >> SKOCH SUMMIT 2007 >> SKOCH SUMMIT 2007 >> SKOCH SUMMIT 2007

14th Skoch Summit, June 2007, New Delhi

Financial Inclusion: Need for Full Spectrum Implementation

We may be lacking in several areas but

there are number of good things happening

at most unlikely remote areas of the country.

We need to take note of that and spread

the learnings. We are planning to bring

all of that on a platform under rubric of

innovation. Community based monitoring

and social audits will play an important role

in this.

We may be lacking in sev

there are number of good

at most unlikely remote a

We need to take note of th

>> CH SU IT 200 >> CH SU

Syeda Hameed,

Member, Planning Commission

Rural poor constitute over 70% of our

population. SEWA works in 9 states

and helps over 1.2 million women who

belong to informal sector. The informal

sector constitutes over 93% or our

workforce across the country. We needseveral more such models of including

people into the national mainstream.

Renana Jhabwala

Chairperson, SEWA Bharat

Rural poor constitute over

population. SEWA works

and helps over 1.2 million

belong to informal sector.


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Role of ICT in Grassroots Planning andSmooth and Transparent Flow of Funds

Smart City Safe CityThere is a whole confluence of people moving into the cities

from the rural areas and the estimates suggest that in the

next 5-10 years nearly 50% of our population will be residing

in cities. A city where only the rich can pay for the services

and therefore avail the necessities of water, electricity,

shelter and security can hardly be termed as a smart city.

The fact that the cities will start imploding, a case in point

being Mumbai, with the current infrastructure and the teem-

ing urban population; calls for an impending relook at the

policies. With unprecedented growth rates and developmentbeing the drumbeat, there is a growing perception that we

are leaving a huge chunk of the population behind. And in

this analysis, while the rural India comes to limelight the

urban poor are conveniently forgotten. The idea of smart

city, though, is more than just an inclusive idea. A city where

the people have to pay for the electricity, water and security

out of their private funds, begs the question How smart

is that city? Only an inclusive and a sustainable city can be

transformed into a smart and safe city. Convergence of city

centric services like electricity, water, police etc is important

to make them accessible to the urban poor. Also, the urban

citizens need to get involved in the governance processes in

order to demand services from the government, which are,

as a matter of course, at a higher level than the current level

of delivery of services. Government processes also have to

be more businesslike as only good infrastructure can lead to

good governance.

The future of e-Governance depends

on how well our efforts can sustain

the ongoing momentum and meet the

load of increasing expectations and

demand; how state governments are

able to learn from each other; and

whether citizens can influence the

face of e-Governance and the role thatsociety as a whole will need to play in

this regard.

Gursharan Dhanjal

Editor, Inclusion & CEO Skoch Media

The future of e-Governan

on how well our efforts c

the ongoing momentum a

load of increasing expecta

jal

CEO Skoch Media


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2th Skoch Summit, November 2007, Shillong, Meghalaya

North Eastern Region: Challenges and

Opportunities


State of e-Governance: Improv ing Outcomes

In a country like India, it is often very

difficult to serve the last man in the

queue, as technology costs become

prohibitive. Converged infrastructure

vastly decreases the per transaction cost

bringing down IT costs making it more

affordable for the poor.

In a country like India, it i

ifficult to serve the last

queue, as technology cost

prohibitive. Converged in

Som Satsangi

Director, Enterprise Servers, Storage and Networking, HP India

Technology innovation is a key

ingredient in Indias success as a

services economy, but the country

will need to rapidly scale up its use of

technology or risk losing its competitive

edge. First poverty and deprivation

need to be removed through a spectrum

of connectivities physical, electronic

and of the mind and of ideas in

technology.

Deepak B Phatak

Professor, IIT-B, Mumbai

Technology innovation is

ingredient in Indias succ

services economy, but the

will need to rapidly scale

bai


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10th Skoch Summit, August 2006, New Delhi

Identifying Replicable Projects


Financial Inclusion

26th March 2011Institute of Social Sciences,8 Nelson Mandela Road,

New Delhi

THINKERS

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There is a need for us to look at the

manpower also in addition to looking at the

technology. So, when you say technology is

overcomplicated I would like to say that that

complex technology requires competent people

to manage on a daily basis.

H Krishnamurthy

Principal Research Scientist, Indian Institute of Science - Bangalor

There is a need for us to l

manpower also in additio

technology. So, when yo

overcomplicated I would l

itute of Science - Bangalor


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Saluting Best Practices


Measuring Outcomes

B o o kL a u n c h


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Strategic Imperatives for

Sustainable Growth

5th Skoch Summit, February 2005, New Delhi

Rural Service Delivery Solutions

4th Skoch Summit October, 2004, New Delhi

Delivering Equality, Growth and

Social Justice

WARD

AWARDFor nearly a decade now, the Skoch Consultancy Services has honoredthe extraordinary accomplishments enhancing inclusive growth and goodgovernance. Skoch today enjoys the distinction of having instituted severalof the oldest, most prestigious and comprehensive civilian awards in the

field of governance, capacity building, empowerment, inclusive growth,citizen services delivery, technology, academics and change management.Skoch Awards identify greatest interventions that have benefitted humanityand deepened our understanding of India on a greater scale.

It is with this thought that we instituted the Skoch Challenger Award in2003, that salute people, projects and institutions that went the extra mileto make India a stronger nation. Skoch Challenger Award the highestindependently instituted civilian honour have been conferred; themighty and the ordinary have shared this platform for their extraordinaryachievements in contributing to the society. Covering the best of efforts inthe area of digital, social and financial inclusion and other such softer issuesthat get lost in glamour and glitz. The Skoch Challenger Awards are coveted

for their independence, primary research and a distinguished jury basedapproach. No industry or government support or endorsement is eithersolicited, expected or accepted for the Skoch Challengar Award.

Skoch Challenger Award comes as a refreshing change with no sponsordriven agenda, neutrality and a time-tested process that can differentiate thewinners from also-rans. Testimony to this is the list of distinguished Indianswho have honored us by accepting the Skoch Challenger Award.


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3rd Skoch Summit, June 2004, Mumbai

Strategies for SustainableGrowth & Solutions

2nd Skoch Summit, February 2004, New Delhi

Sustaining the Growth Engine1st Skoch Summit, March 2003, New Delhi

Imperatives for Inclusive Growth


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Speakers & organisations are subject to confirmation

Silver

Jubilee

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