561 Construction Industry Scheme (CIS) courses in Cardiff delivered Online

Level 5 QLS Endorsed Course | CPD & CiQ Accredited | Audio Visual Training | Free PDF Certificate | Lifetime Access

Start on a transformative odyssey through the art of travel writing, where every word becomes a passport to distant realms. Our workshop is not just about words; it's about weaving tapestries of experiences that transport readers to the heart of captivating destinations. In these modules, you'll unravel the secrets of crafting narratives that go beyond mere words, creating a vivid symphony that resonates with readers. Key Features: CPD Certified Free Certificate Developed by Specialist Lifetime Access Begin with the fundamentals, establishing a robust foundation that evolves into the art of capturing the very essence of diverse destinations. Dive into the craft of character creation, breathing life into your travel narratives with compelling personalities. Through engaging storylines, you'll learn to take your readers on a journey, eliciting emotions that linger long after the final word. Adapt your writing style to various platforms, from traditional print to the digital realm, and refine your pieces to perfection. Join us on this expedition, where the destination is mastery in the enchanting world of travel writing. Your pen awaits, ready to chart the course of unforgettable tales. Course Curriculum Module 1: Travel Writing Fundamentals Module 2: Establishing a Solid Framework Module 3: Capturing the Essence of Destinations Module 4: Creating Compelling Characters in Travel Narratives Module 5: Formulating Engaging Storylines Module 6: Eliciting Emotions from Readers Module 7: Adapting Writing Styles for Various Platforms Module 8: Refining and Perfecting Your Written Pieces Learning Outcomes: Master fundamentals, creating a foundation for captivating travel narratives. Establish a solid framework for structuring compelling and engaging travel stories. Capture the essence of diverse destinations, enhancing descriptive writing skills. Create vivid characters, infusing life into travel narratives for reader engagement. Formulate engaging storylines, mastering the art of narrative construction in travel writing. Elicit emotions effectively, connecting with readers on a profound and personal level. CPD 10 CPD hours / points Accredited by CPD Quality Standards Who is this course for? Aspiring writers passionate about crafting immersive travel experiences in words. Travel enthusiasts eager to transform their experiences into compelling narratives. Bloggers and content creators aiming to elevate their travel writing skills. Journalists seeking to specialize in the captivating field of travel storytelling. Individuals with a love for exploration, keen on sharing their adventures. Career path Travel Journalist Content Creator for Travel Platforms Destination Blogger Travel Book Author Editorial Writer for Travel Magazines Freelance Travel Writer Certificates Digital certificate Digital certificate - Included Certificate of Completion Digital certificate - Included Will be downloadable when all lectures have been completed.

Course Overview Learn the Latest Skills | Acknowledged by CPD | MCQ Based Exam & Tutor Support | Interactive Video Training  Building surveying is one of the broadest areas of surveying practice and includes a variety of occupations. You will be required to provide a range of services linked to building upkeep and maintenance, including building design, renovation, or alteration, as well as other property and construction-related tasks. Therefore, in order to exhibit your proficiency in building surveying practice, it's imperative that you comprehend essential knowledge of construction technology, contracts, and building pathology. The fundamentals of contract administration, construction and environmental services, design and specification, inspection, and legal and regulatory compliance are topics covered in our course. Training in these key areas will furnish you with important knowledge and techniques for this multi-disciplined industry and will give you a practical skill set with which to implement key building surveying techniques. What Will You Learn? Introduction to building survey Learn about building information modelling and technology Understand work breakdown structure Reporting various aspects of the building sites All the legal aspects of building survey What classes are included in this package? Earn a digital Certificate upon successful completion acknowledged by UK and internationally acknowledged lesson There are no set schedules, so you can work at your own pace. Our email and live chat specialists are available to assist you 24 hours a day, 7 days a week. On weekdays, you'll have access to a full-time tutor. Learn in a user-friendly, cutting-edge online learning environment. High-quality e-learning study materials Lifetime Access Benefit from instant feedback through mock exams and multiple-choice assessments Who Should Take This Course? This Construction Surveyor course has been designed to train those individuals who work as Building Surveyors or are preparing to do so. It may also benefit comparable roles in the construction industry. Career Path Training offered by the Construction Surveyor could potentially benefit a range of roles but would particularly enhance careers in: Surveyor Contractor Civil Engineer Project Manager Course Design The course is delivered through our online learning platform, accessible through any internet-connected device. There are no formal deadlines or teaching schedules, meaning you are free to study the course at your own pace. You are taught through a combination of Video lessons Online study materials Mock exams Multiple-choice assessments Assignment Certificate of Achievements from Janets Upon successful completion of the course, you will be able to obtain your course completion e-certificate free of cost. Print copy by post is also available at an additional cost of £9.99 and PDF Certificate at £4.99. Method of Assessment On successful completion of the Construction Surveyor, you will be required to sit an online multiple-choice assessment. You will need to score 60% or above to pass the course. 

Course Overview Learn the Latest Skills | Acknowledged by CPD | MCQ Based Exam & Tutor Support | Interactive Video Training  Building surveying is one of the broadest areas of surveying practice and includes a variety of occupations. You will be required to provide a range of services linked to building upkeep and maintenance, including building design, renovation, or alteration, as well as other property and construction-related tasks. Therefore, in order to exhibit your proficiency in building surveying practice, it's imperative that you comprehend essential knowledge of construction technology, contracts, and building pathology. The fundamentals of contract administration, construction and environmental services, design and specification, inspection, and legal and regulatory compliance are topics covered in our course. Training in these key areas will furnish you with important knowledge and techniques for this multi-disciplined industry and will give you a practical skill set with which to implement key building surveying techniques. What Will You Learn? Introduction to building survey Learn about building information modelling and technology Understand work breakdown structure Reporting various aspects of the building sites All the legal aspects of building survey What classes are included in this package? Earn a digital Certificate upon successful completion acknowledged by UK and internationally acknowledged lesson There are no set schedules, so you can work at your own pace. Our email and live chat specialists are available to assist you 24 hours a day, 7 days a week. On weekdays, you'll have access to a full-time tutor. Learn in a user-friendly, cutting-edge online learning environment. High-quality e-learning study materials Lifetime Access Benefit from instant feedback through mock exams and multiple-choice assessments Who Should Take This Course? This Measured Building Surveyor Training course has been designed to train those individuals who work as Building Surveyors or are preparing to do so. It may also benefit comparable roles in the construction industry. Career Path Training offered by the Measured Building Surveyor could potentially benefit a range of roles but would particularly enhance careers in: Surveyor Contractor Civil Engineer Project Manager Course Design The course is delivered through our online learning platform, accessible through any internet-connected device. There are no formal deadlines or teaching schedules, meaning you are free to study the course at your own pace. You are taught through a combination of Video lessons Online study materials Mock exams Multiple-choice assessments Assignment Certificate of Achievements from Janets Upon successful completion of the course, you will be able to obtain your course completion e-certificate free of cost. Print copy by post is also available at an additional cost of £9.99 and PDF Certificate at £4.99. Method of Assessment On successful completion of the Measured Building Surveyor, you will be required to sit an online multiple-choice assessment. You will need to score 60% or above to pass the course. 

Bricklaying is in high demand in the UK, presenting excellent job opportunities and attractive salaries. With the construction industry booming, skilled bricklayers are sought after for various projects across the country. The average salary for bricklayers in the UK is around £30,000 to £40,000 per year, and experienced professionals can earn even more. If you have a passion for construction, precision, and craftsmanship, this is your chance to build a fulfilling career in bricklaying. Join the thriving field of bricklaying, where your skills will be valued, and your earning potential will soar. Don't miss out on this fantastic opportunity - start your bricklaying journey today! Bricklaying Course Learning Outcomes Identify and name various bricklaying tools accurately. Demonstrate proper bonding techniques in bricklaying. Apply basic bricklaying methods effectively. Construct walls using correct bricklaying procedures. Employ appropriate joint finishes in bricklaying. Build and maintain curved brickwork and arches. Curriculum Breakdown of the Bricklaying Course Introduction to Bricklaying Bricklaying Tools Bonding Basic Bricklaying Techniques Constructing Walls Basic Bricklaying Joint Finishes Bricklaying Building Curved Arches Building Curved Brickwork and Defects and Maintenance Why would you choose the Bricklaying course: Lifetime access to Bricklaying course materials Full tutor support is available from Monday to Friday with the Bricklaying course Learn Bricklaying skills at your own pace from the comfort of your home Accessible, informative Bricklaying learning modules designed by expert instructors Study Bricklaying in your own time through your computer, tablet or mobile device Who is this course for? The Bricklaying course helps aspiring professionals who want to obtain the knowledge and familiarise themselves with the skillsets to pursue a career in Bricklaying. It is also great for professionals who are already working in Bricklaying and want to get promoted at work. Requirements To enrol in this Bricklaying course, all you need is a basic understanding of the English Language and an internet connection. Career path The Bricklaying course will enhance your knowledge and improve your confidence in exploring opportunities in various sectors related to Bricklaying. Bricklayer: £20K to £30K per year Construction Worker: £18K to £25K per year Construction Supervisor: £25K to £35K per year Building Inspector: £25K to £40K per year Masonry Restoration Specialist: £25K to £35K per year

Construction Management: Construction Management Online Unlock your potential with our comprehensive Construction Management: Construction Management course! Dive deep into Construction Management principles, methods, and strategies for success. Our Construction Management: Construction Management course covers the A to Z, ensuring you grasp every aspect of effective project oversight. From planning to execution, Construction Management is the key to streamlined operations. Gain confidence in your Construction Management skills and propel your career forward. Enroll now for Construction Management excellence and be at the forefront of the industry. With our Construction Management: Construction Management course, you'll be equipped to lead and excel in the dynamic world of construction. Don't miss out- Construction Management awaits your mastery! Why Choose Construction Management: Construction Management from Us Construction Management Course developed by industry experts. Free PDF certificate as soon as completing the Construction Management course. Special Offers of this Construction Management: Construction Management Course This Construction Management: Construction Management Course includes a FREE PDF Certificate. Lifetime access to this Construction Management: Construction Management Course Instant access to this Construction Management: Construction Management Course Get FREE Tutor Support from Monday to Friday in this Construction Management: Construction Management Course Main Course: Construction Project Management Free Courses Course 01: Level 7 Project Management Course 02: Property Management [ Note: Free PDF certificate as soon as completing the Construction Management: Construction Management course] Construction Management: Construction Management Online Industry Experts Designed this Construction Management: Construction Management course into 10 detailed modules. Course Curriculum of Construction Project Management Course Module 01: Construction Practices Module 02: Systematic Project Management Module 03: Project Estimating Module 04: Project Planning Module 05: Project Scheduling Concepts Module 06: Managing Time Module 07: Resource Management Module 08: Project Scheduling Applications Module 09: Project Cost System Module 10: Project Financial Management Assessment Method of Construction Management After completing each module of the Construction Management: Construction Management Course, you will find automated MCQ quizzes. To unlock the next module, you need to complete the quiz task and get at least 60% marks. Certification of Construction Management After completing the MCQ/Assignment assessment for this Construction Management: Construction Management course, you will be entitled to a Certificate of Completion from Training Tale. Who is this course for? Construction Management: Construction Management Online The Construction Management: Construction Management course is recommended for anyone looking for work in the construction industry. People who work in construction management-related fields and want to expand their experience and skills will benefit from this Construction Management: Construction Management course. Requirements Construction Management: Construction Management Online Students who intend to enrol in this Construction Management: Construction Management course must meet the following requirements: Construction Management: Good command of the English language Construction Management: Must be vivacious and self-driven Construction Management: Basic computer knowledge Construction Management: A minimum of 16 years of age is required Career path Construction Management: Construction Management Online Certificates Certificate of completion Digital certificate - Included

Did you know that in the UK, asbestos is found in about half a million buildings, making it a critical issue for safety and health compliance? Our Asbestos Removal Training course is specifically designed to address this widespread concern, offering a deep dive into everything from asbestos identification to its safe disposal. This course is an essential tool for anyone in the construction industry, safety management, or property maintenance, equipping you with the knowledge to handle asbestos effectively and safely. The curriculum spans eight detailed modules, each focusing on a key area of asbestos management, including identification, legal obligations, risk assessment, and safe disposal practices. As participants progress through the course, they develop a robust awareness of asbestos-related health risks and learn the safest methods for handling and disposing of Asbestos Containing Materials (ACMs). Learning Outcomes: Understand the properties of asbestos and its health implications. Identify different types of asbestos and asbestos-containing materials (ACMs) in various settings. Interpret and apply the relevant legal requirements related to asbestos management and removal. Conduct thorough asbestos risk assessments and surveys effectively. Implement safe practices for handling and disposing of asbestos to prevent contamination. Manage and respond to emergencies involving accidental asbestos disturbances safely. Along with the Asbestos Removal Training course, you also get: Lifetime Access Unlimited Retake Exam & Tutor Support Easy Accessibility to the Course Materials- Anytime, Anywhere - From Any Smart Device (Laptop, Tablet, Smartphone Etc.) 100% Learning Satisfaction Guarantee This Asbestos Removal Training course is essential for professionals dealing with buildings and materials that may contain asbestos. Participants will learn about asbestos properties, identification, legal issues, and safe handling practices through eight focused modules. The course is structured to build from basic concepts to more advanced applications, including conducting risk assessments and dealing with asbestos emergencies. Designed to be interactive and informative, the training includes theoretical knowledge and practical insights to ensure learners are fully prepared to handle asbestos safely. By the end of the course, participants will be equipped with the necessary skills to comply with legal standards and protect health and safety in the workplace. Course Curriculum: Module 01: Asbestos Explained Module 02: Asbestos Identified Module 03: Asbestos and the Law Module 04: Risk Factors of Asbestos Module 05: Surveys and Risk Assessment Module 06: Asbestos Awareness & Safety Module 07: Asbestos-Containing Waste (ACW) Disposal Module 08: Accidental Disturbance of ACMs and Dealing with Emergencies CPD 10 CPD hours / points Accredited by CPD Quality Standards Who is this course for? This Asbestos Removal Training course will be especially helpful for: Construction workers and supervisors involved in demolitions or refurbishments. Property managers are responsible for the maintenance of older buildings. Health and safety officers are looking to enhance their understanding of asbestos risks. Environmental health professionals. Waste disposal experts. Anyone involved in the supervision or execution of asbestos removal projects. Requirements To enrol in this Asbestos Removal Training course, all you need is a basic understanding of the English Language and an internet connection. Career path Our Asbestos Removal Training course will prepare you for a range of careers, including: Asbestos Removal Specialist Licensed Asbestos Surveyor Health and Safety Advisor Environmental Consultant Compliance Officer for Workplace Safety Project Manager in Construction and Demolition Facilities Manager with Specialisation in Building Safety Certificates CPD Accredited PDF Certificate Digital certificate - Included CPD Accredited PDF Certificate CPD Accredited Hard Copy Certificate Hard copy certificate - £10.79 CPD Accredited Hard Copy Certificate Delivery Charge: Inside the UK: Free Outside of the UK: £9.99 each

Are you looking to enhance your Building Surveying & Construction Technology skills? If yes, then you have come to the right place. Our comprehensive course on Building Surveying & Construction Technology will assist you in producing the best possible outcome by mastering the Building Surveying & Construction Technology skills. The Building Surveying & Construction Technology course is for those who want to be successful. In the Building Surveying & Construction Technology course, you will learn the essential knowledge needed to become well versed in Building Surveying & Construction Technology. Our Building Surveying & Construction Technology course starts with the basics of Building Surveying & Construction Technology and gradually progresses towards advanced topics. Therefore, each lesson of this Building Surveying & Construction Technology course is intuitive and easy to understand. Why would you choose the Building Surveying & Construction Technology course from Compliance Central: Lifetime access to Building Surveying & Construction Technology course materials Full tutor support is available from Monday to Friday with the Building Surveying & Construction Technology course Learn Building Surveying & Construction Technology skills at your own pace from the comfort of your home Gain a complete understanding of Building Surveying & Construction Technology course Accessible, informative Building Surveying & Construction Technology learning modules designed by expert instructors Get 24/7 help or advice from our email and live chat teams with the Building Surveying & Construction Technology bundle Study Building Surveying & Construction Technology in your own time through your computer, tablet or mobile device. A 100% learning satisfaction guarantee with your Building Surveying & Construction Technology Course Improve your chance of gaining in demand skills and better earning potential by completing the Building Surveying & Construction Technology Building Surveying & Construction Technology Curriculum Breakdown of the Building Surveying Course Module 01: Quantity Survey: An Introduction Module 02: Development of the Quantity Surveyor Module 03: Quantity Surveying Measurement Module 04: Cost Management Module 05: Pricing and Operational Estimation Module 06: Contract Management and Tendering Module 07: Procurement and Bill Preparation Module 08: Predicting Potential Risk and Management Module 09: Regulation and Control Module 10: Report Writing Curriculum Breakdown of the Construction Technology Course Module 01: Introduction to Construction Management Module 02: Cost Estimation Module 03: Role of Cost Estimator and New Aspects of Cost Estimation Module 04: Elements and Factors influencing Cost Estimation Module 05: Cost Estimation in Construction Industry Module 06: Cost Management Module 07: Management of Material for construction CPD 20 CPD hours / points Accredited by CPD Quality Standards Who is this course for? The Building Surveying & Construction Technology course helps aspiring professionals who want to obtain the knowledge and familiarise themselves with the skillsets to pursue a career in Building Surveying & Construction Technology. It is also great for professionals who are already working in Building Surveying & Construction Technology and want to get promoted at work. Requirements To enrol in this Building Surveying & Construction Technology course, all you need is a basic understanding of the English Language and an internet connection. Career path The Building Surveying & Construction Technology course will enhance your knowledge and improve your confidence in exploring opportunities in various sectors related to Building Surveying & Construction. Building Surveyor - £30-50k/year Construction Technologist - £35-55k/year Project Manager (Construction) - £40-60k/year Quantity Surveyor - £30-45k/year Facilities Manager - £25-40k/year Certificates CPD Accredited PDF Certificate Digital certificate - Included CPD Accredited PDF Certificate CPD Accredited Hard Copy Certificate Hard copy certificate - £10.79 CPD Accredited Hard Copy Certificate Delivery Charge: Inside the UK: Free Outside of the UK: £9.99 each

Are you looking to enhance your Building Quantity Surveying & Construction Cost Estimation skills? If yes, then you have come to the right place. Our comprehensive course on Building Quantity Surveying & Construction Cost Estimation will assist you in producing the best possible outcome by mastering the Building Quantity Surveying & Construction Cost Estimation skills. The Building Quantity Surveying & Construction Cost Estimation course is for those who want to be successful. In the Building Quantity Surveying & Construction Cost Estimation course, you will learn the essential knowledge needed to become well versed in Building Quantity Surveying & Construction Cost Estimation. Our Building Quantity Surveying & Construction Cost Estimation course starts with the basics of Building Quantity Surveying & Construction Cost Estimation and gradually progresses towards advanced topics. Therefore, each lesson of this Building Quantity Surveying & Construction Cost Estimation course is intuitive and easy to understand. Why would you choose the Building Quantity Surveying & Construction Cost Estimation course from Compliance Central: Lifetime access to Building Quantity Surveying & Construction Cost Estimation course materials Full tutor support is available from Monday to Friday with the Building Quantity Surveying & Construction Cost Estimation course Learn Building Quantity Surveying & Construction Cost Estimation skills at your own pace from the comfort of your home Gain a complete understanding of Building Quantity Surveying & Construction Cost Estimation course Accessible, informative Building Quantity Surveying & Construction Cost Estimation learning modules designed by expert instructors Get 24/7 help or advice from our email and live chat teams with the Building Quantity Surveying & Construction Cost Estimation bundle Study Building Quantity Surveying & Construction Cost Estimation in your own time through your computer, tablet or mobile device. A 100% learning satisfaction guarantee with your Building Quantity Surveying & Construction Cost Estimation Course Improve your chance of gaining in demand skills and better earning potential by completing the Building Quantity Surveying & Construction Cost Estimation Building Quantity Surveying & Construction Cost Estimation Curriculum Breakdown of the Building Quantity Surveying Course Module 01: Quantity Survey: An Introduction Module 02: Development of the Quantity Surveyor Module 03: Quantity Surveying Measurement Module 04: Cost Management Module 05: Pricing and Operational Estimation Module 06: Contract Management and Tendering Module 07: Procurement and Bill Preparation Module 08: Predicting Potential Risk and Management Module 09: Regulation and Control Module 10: Report Writing Curriculum Breakdown of the Construction Cost Estimation Course Module 01: Introduction to Construction Management Module 02: Cost Estimation Module 03: Role of Cost Estimator and New Aspects of Cost Estimation Module 04: Elements and Factors influencing Cost Estimation Module 05: Cost Estimation in Construction Industry Module 06: Cost Management Module 07: Management of Material for construction CPD 20 CPD hours / points Accredited by CPD Quality Standards Who is this course for? The Building Quantity Surveying & Construction Cost Estimation course helps aspiring professionals who want to obtain the knowledge and familiarise themselves with the skillsets to pursue a career in Building Quantity Surveying & Construction Cost Estimation. It is also great for professionals who are already working in Building Quantity Surveying & Construction Cost Estimation and want to get promoted at work. Requirements To enrol in this Building Quantity Surveying & Construction Cost Estimation course, all you need is a basic understanding of the English Language and an internet connection. Career path The Building Quantity Surveying & Construction Cost Estimation course will enhance your knowledge and improve your confidence in exploring opportunities in various sectors related to Building Quantity Surveying & Construction Cost Estimation. Certificates CPD Accredited PDF Certificate Digital certificate - Included CPD Accredited PDF Certificate CPD Accredited Hard Copy Certificate Hard copy certificate - £10.79 CPD Accredited Hard Copy Certificate Delivery Charge: Inside the UK: Free Outside of the UK: £9.99 each

Sustainable building isn't about hugging trees or painting everything green — it’s about structured thinking, smart planning, and knowing exactly what counts. This course offers a clear introduction to LEED v4.1 for Building Design and Construction, walking you through the credits, categories, and strategies that shape better buildings from the ground up. Whether you're looking to understand the rating system or make sense of what qualifies for what, this course keeps the explanations solid and the fluff to a minimum. Presented entirely online, the content is designed to guide learners through LEED v4.1 without making it feel like they’ve signed up for a second job. You’ll explore energy use, material choices, water efficiency, and more — all tailored to help you grasp the essentials in plain language. Ideal for those involved in design, construction, or simply curious about how green building decisions are made, this course helps you get to grips with the framework behind the certification — minus the buzzwords and the building-site metaphors. Why People Love And Enrol The LEED V4.1 - Building Design and Construction Course From One Education Eligibility for an CPD-accredited certificate on successful completion of the course Learning materials of our course contains engaging voiceover and visual elements for your comfort Freedom to study at your own pace 24/7 access to the course materials for 12 months Full Tutor support on weekdays (Monday - Friday) This masterclass LEED V4.1 - Building Design and Construction online training course is designed by industry experts and will give you an in-depth understanding of this topic. The LEED V4.1 - Building Design and Construction course feature easy-to-digest modules that break down each topic and ensure all our students receive an unrivalled and thorough learning experience. If you want to work in this rapidly growing sector and stand out from the competition, then our LEED V4.1 - Building Design and Construction is the perfect place to kickstart your dream career. On the LEED V4.1 - Building Design and Construction course, we guarantee that you will gain relevant skills and acquire tremendous knowledge on the subject. The certificate you'll achieve after completing the course will help you land the job you want in a related field. Enjoy a pleasant and professional 100% online learning experience and enrol in our LEED V4.1 - Building Design and Construction today and take control of your career! Exam & Retakes: It is to inform our learners that the initial exam for this online course is provided at no additional cost. In the event of needing a retake, a nominal fee of £9.99 will be applicable. Certification Upon successful completion of the assessment procedure, learners can obtain their certification by placing an order and remitting a fee of £9 for PDF Certificate and £15 for the Hardcopy Certificate within the UK ( An additional £10 postal charge will be applicable for international delivery). CPD 10 CPD hours / points Accredited by CPD Quality Standards Who is this course for? This course is designed for professionals in the building and construction industry, including architects, engineers, builders, contractors, and facility managers. It is also suitable for anyone interested in learning about sustainable building design and construction. Construction labourer Construction plant hire adviser Construction contracts manager Road worker Requirements There are no formal entry requirements for the LEED V4.1 - Building Design and Construction course, with enrollment open to anyone! Anyone and everyone with a knack for learning can enrol on this course without any hesitation. Learn online from any internet device, including your computer, tablet or smartphone. Study when it suits you and complete the course at your own pace. All students must have a passion for learning and literacy, as well as being over the age of 16. Career path Construction Manager (£27,000 to £65,000) Architect (£30,000 to £60,000) Engineering Construction Technician (£19,000 to £36,000) Construction Plant Operator (£19,000 to £36,000) Construction Site Supervisor (£25,000 to £45,000)