NZCB Apprentice Trust

Breaking down barriers to help apprentices succeed in construction.

About Us

Backing the next generation of builders.

Building isn’t just about nailing timber – it’s also about the people behind the hammers.

At NZCB, we believe that when the building industry does well, New Zealand does well. That’s why the NZCB Apprentice Trust was created – to help apprentices overcome challenges and stay on track.

Training as a builder isn’t always easy. Travel, tools, study commitments, living costs – it can all add up. The Apprentice Trust helps remove these barriers, so apprentices can focus on completing their training and building a future they’re proud of.

Through financial grants, the Trust provides practical support, recognises effort and achievement, and backs those who are serious about their trade.

Our Trustees

Niamh Barraud (Chair)

Niamh is a qualified builder with a preference for renovations and over five years of experience running my own company successfully.

After relocating to sunny Nelson with her family, Niamh joined a new team and am gaining a refreshed perspective on the trade. She currently serves as a member director on the NZCB Board and on the NZCB Apprentice Trust.

Niamh is passionate about building a clear and visible pathway for the next generation of carpenters, and believes in the importance of consistent, high-quality training. She values encouraging greater diversity in the trade, and helping ensure it’s a place where everyone can thrive, regardless of their differences.

Dave Whitehead

dave whitehead 350w 340h

Starting in the industry in 1993, Dave worked predominantly in residential new builds and alterations on the Hibiscus Coast. Following a 3 year OE, started Lifebuilt Construction and Bella Kitchens & Cabinetry in 2007.

After joining NZCB in 2009, Dave has served the Auckland committee and acted as Interim President in Auckland.

Dave is a former director with NZCB and currently sits on the BCITO Advisory Group, Salt Trust, Unitec Advisory and the NZCB Apprentice Trust.

Kate Davies

kate davies 350w 340h

Kate brings extensive experience in business development, sales, and leadership across the dairy, chemical, and food industries in both New Zealand and overseas. With a strong background in managing key stakeholder relationships, strategic planning, and team leadership, Kate has a proven track record of driving growth and fostering collaboration.

Currently serving as a Corporate Accounts Manager at Ballance Agri-Nutrients, Kate has held senior roles in organisations such as Tatua Co-operative Dairy, Alpine Deer NZ, and Ixom. Her expertise in governance, communication, and industry development makes her a valuable addition to the NZCB Apprentice Trust.

Beyond her corporate career, Kate is an experienced trustee, having served on boards including House of Science and the Bay of Plenty Early Childhood Music Education Trust. She holds a Master of Business Administration with Distinction from the University of Waikato and has a strong passion for mentorship and education.

Kat Ricketts

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Katherine (Kat) is a highly respected construction professional, industry advocate, and leader with over 20 years of experience in the nonprofit sector and 12 years in governance. A qualified carpenter, she currently works as a Relationship Manager at Waihanga Ara Rau, where she fosters industry connections and supports vocational education.

Kat is also a National Council Member for the National Association of Women in Construction (NAWIC), advocating for greater visibility and opportunities for women in the industry. Her dedication to workforce development, mentorship, and industry excellence has earned her multiple awards, including NAWIC’s National Apprentice of the Year.

Her leadership, experience, and passion for strengthening the construction sector make her an invaluable addition to our board.

Garry Nott

garry nott

Garry is a highly experienced building professional with over 30 years in the construction industry. With a strong passion for developing future tradespeople, Garry spent 10 years teaching carpentry at the Nelson Marlborough Institute of Technology (NMIT), where he also established the ITAB apprentice programme.

A long-standing supporter of New Zealand Certified Builders (NZCB), Garry has served on the local Nelson Bays Committee since 2007, including six years as President. He is currently a Director on the NZCB Board and continues to advocate for high-quality training and professional development within the industry.

As the owner of Tasman Homes since 2007, Garry brings a deep understanding of the needs of apprentices and businesses alike. Under his leadership, Tasman Homes has trained over fifteen apprentices, with another four currently completing their qualifications. His previous experience as a former Board Member for Habitat for Humanity (Nelson) further reflects his commitment to community and skill development.

Through his diverse background in teaching, management, and hands-on building, Garry is dedicated to supporting apprentices and the ongoing success of New Zealand’s building industry.

Nick Matthews

nick matthews 350w 340h

Nick is an accomplished professional with a passion for fostering apprenticeship training and empowering the next generation of New Zealand tradespeople. As a qualified Carpenter and Fitter Turner, Nick has completed two apprenticeships and holds both a Bachelor in Management and a qualification in Adult Teaching and Learning, showcasing his dedication to leadership and vocational education.

Having previously worked with the New Zealand Certified Builders (NZCB), Nick played a pivotal role in supporting members and employers nationwide. He was instrumental in establishing the NZCB Apprentice Network and continues to champion apprentices through the NZCB Apprentice Trust.

Beyond his advocacy work, Nick is actively involved in the industry, serving on the NZCB Canterbury Committee and the BCITO National Advisory Group – Carpentry. Currently, Nick is the South Island Sales Team Lead at Winstone Wallboards Ltd, where he combines his expertise and leadership to drive success.

Our Focus

Started by members, for all apprentices.

The Trust was inspired by a real story – one that showed just how easily talented apprentices can fall through the cracks.

While attending a two-week block course over 170 km from home, an apprentice was found living in his van. With his wages spent on fuel, he was surviving on just bread and hot drinks from the Polytechnic. No one knew until the course was almost over.

When the situation was shared with an NZCB member, it sparked action.

Since then, the NZCB Apprentice Trust has helped apprentices across the country overcome financial stress, unexpected hardship, and practical challenges – so they can finish their training and become qualified tradespeople.

The Trust is proudly supported by NZCB members, industry partners, and donors who believe in backing apprentices and strengthening the future of the trade.

What We Fund

Practical support when it matters most.

The NZCB Apprentice Trust provides financial grant support for apprentices experiencing genuine hardship during their training. This may include help with essential costs that are directly affecting an apprentice’s ability to continue their apprenticeship.

All applications are assessed case by case and grants are considered at the discretion of the NZCB Apprentice Trust Trustees.

Who Can Apply

You may be eligible to apply if:

You are an NZCB Trainee Member and are aligned with the NZCB Apprentice Network
You have been actively undertaking apprenticeship training for at least 12 months

In exceptional circumstances, applications may be considered from apprentices with a shorter training period.

What You'll Need to Apply

Before you get started

To apply for support, make sure you have the following ready:

NZCB Apprentice Network membership
You’ll need to be part of the NZCB Apprentice Network. Not sure if you are? Take a look at the Q&As below.
Evidence of hardship
This could include documents or information that shows how financial or personal challenges are affecting your training.
Employer support confirmation
Your employer will be asked to outline how they support your apprenticeship.
This may include:
– Tool, phone, or travel allowances
– Paid time for block courses
– Assistance with training costs or subsidies
This can be provided via an email to [email protected] or as a letter from your employer and uploaded with your application.
Complete supporting documents
Applications completed through the NZCB Toolshed must include all required information to be considered.

Make a Donation

Back the next generation of builders

Every donation helps apprentices stay in training, overcome challenges, and qualify into the trade.

Email [email protected] to find out how you can support the NZCB Apprentice Trust.

Q&A's

Q: How can I check if my employer is an NZCB member?

A: Use our Find a Builder tool to search for your company’s name.

Q: How do I know if I’m part of the Apprentice Network?

A: If you’re unsure, check with your employer or email [email protected] to find out.

Q: Is there a minimum or maximum amount I need to apply for a financial grant?

A: There’s no set minimum amount for a financial grant. All applications will be considered, and the amount you can request depends on what the funding is for, up to a maximum of $5,000. Be sure to include as much detail as possible about your needs to give your application the best chance of success.

Q: What receipts or supporting documents do I need for a hardship grant?

A: Provide any evidence that shows how you’ve been impacted – this could include bills, travel costs, proof of study or living expenses. Don’t forget a note from your employer outlining how they support your training.

Looking for Support from the Trust?

If you’d like to apply for a financial grant, simply fill out the form on the Apprentice Trust page in the Toolshed.

Contact

Have any other questions or need help with your application?
Reach out to us at [email protected].

12.1	Part G of the Schedule contemplates that the Parties will elect who is responsible for arranging the contract works insurance. If the Parties have not made that election or if their intention is unclear, then the Owner must arrange contract works insurance if the Building Work involves changes, alterations, renovations, restoration, repairs or maintenance to existing structures, and the Builder is responsible for arranging contract works insurance if the Building Work involves constructing an entirely new stand-alone structure. Irrespective of who arranges the contract works insurance, the excess on a contract works claim is payable by the Owner. Given that such insurance typically expires on Practical Completion, the Owner must ensure that the Building is insured from that point onwards.
12.2	The amount insured must be at least as much as the Original Contract Price, plus an allowance for Owner-supplied materials, expediting expenses, removal of debris, professional fees, increased costs during construction, increased costs during reconstruction, and materials in storage (off the Project site). Unless otherwise agreed, the allowances for these items shall be those shown in Part G of the Schedule, and if no allowance is made in that Part for any item then the allowance must be reasonable in the circumstances.
12.3	The Owner must arrange contract works insurance against loss or damage to the Owner’s existing structures made available by the Owner to enable the performance of the Building Work, or existing structures adjacent to the Building, and to the Owner’s contents. This insurance must be for the full replacement value, and for consequential loss arising from loss or damage to those structures and contents.
12.4	The Builder must arrange public liability insurance for loss or damage to any property, or illness, injury or death to any person, that arises from the performance of the Building Work.
12.5*	In the event of loss or damage to any part of the Building which is not caused by the Builder or any party for whom the Builder is responsible:
	a.	The Builder is not required to carry out any restoration work at the Builder’s own expense.
	b.	The Builder will restore all loss or damage to the Building and the restoration work will be treated as a Variation.
	c.	The restoration work will be paid for from the proceeds of the contract works insurance.
	d.	If the delay in confirming insurance cover after loss or damage to the Building has occurred is such that the Builder can no longer reasonably afford to maintain spare capacity to perform the Building Work when required, the Builder may suspend the Building Work as if clause 20.2 applied, and if the Builder has not cancelled the contract in the meantime, the Builder shall not be obliged to resume the Building Work until the Builder’s commitments reasonably allow for a resumption.
12.6	If this Contract is completed on-line, and either Party has selected the option to apply for a contract works policy marketed under the “REDi” brand, then an application for such a policy will be automatically generated from the information entered into the Schedule of this Contract.
12.7	The insurance broker responsible for arranging the REDi contract works policy and the underwriter(s) to whom the application is submitted together with their respective representatives or agents are authorised to obtain from, and disclose to, any other party any information they consider relevant to the assessment of the application for the policy.
12.8	For the purpose of section 12 of the Contract and Commercial Law Act 2017, the provisions in this Part 12 are intended to create obligations enforceable by the insurance broker and the underwriter(s) referred to in clause 12.7 and their respective representatives or agents, whether or not they are parties to this Building Contract.

4.1	This is a building contract in which the total price payable for the Building Work is not fixed, specified, or known at the time of entering into the Contract. Instead, the progress payments and the Final Contract Price are to be calculated by reference to the actual costs incurred by the Builder in carrying out the Building Work, plus a Margin for the Builder’s Off-site Overheads and profit. The Parties may have chosen to enter into this form of building contract for any number of reasons, including that it is too difficult for the Builder and/or the Owner to accurately predict the precise scope of the Building Work at the outset, or the Building Work involves innovative systems or materials the cost of which is largely unknown, or to avoid the administrative burden of having to recalculate a fixed contract price each time a component of the work changes, or simply because it is their preference to do so. While this inevitably involves some uncertainty as to what the Final Contract Price will eventually amount to, it has the advantage that at the conclusion of the Building Work the Owner will have become liable to pay no more and no less than the value of the Building Work and materials the Owner has actually received.
4.2	The progress payments and the Final Contract Price payable to the Builder shall therefore be calculated by reference to the hours of work expended by the Builder and the Builder’s employees and contractors in carrying out the Building Work, plus the materials and other direct costs incurred by the Builder in carrying out the Building Work, using the rates set out in Part F of the Schedule. Onto those amounts shall then be added the Margins for the Builder’s Off-site Overheads and profit, calculated by reference to the percentages shown in Part F of the Schedule.
4.3	The Builder shall be entitled to charge for and recover all costs that the Builder would not have incurred but for the Building Work, and that are reasonably necessary to carry out the Building Work to the standard required by this Contract, plus the relevant Builder’s Margins. Those costs include (without limitation):
	a.	The Builder’s own labour and labour performed by the Builder’s employees and contractors.
	b.	Products or services from subcontractors or specialist trades.
	c.	Professional advice such as architecture and engineering.
	d.	Building materials and consumables.
	e.	Hireage of tools, plant, equipment, appliances or vehicles.
4.4	The cost of labour shall be calculated using the labour rates set out in Part F of the Schedule, or where no rates have been specified in any particular case, at the prevailing market rates for the personnel in question. The labour rates set out in Part F of the Schedule apply to normal working hours and days, and in calculating working hours no deduction shall be made for work breaks that are reasonably necessary for the consumption of food or beverages or to ensure the continued health, safety, productivity and efficiency of the relevant personnel. Where in order to comply with the Builder’s obligations under this Contract it is reasonably necessary for the Builder and/or the Builder’s employees and subcontractors to carry out Building Work outside of normal working hours or on weekends or public holidays, and the Builder is required to pay penal or overtime rates as a result, those penal or overtime rates shall be included in the calculation of the cost of the Building Work.
4.5	All the costs of the Building Work apart from labour shall be calculated by reference to the invoice issued to the Builder for the relevant item, or if no invoice was issued, by reference to what the Builder actually paid. Where such costs cannot be separately identified or accurately ascertained through timesheets, invoices or otherwise, the cost of those items shall be calculated having regard to the prevailing market price for the relevant items.
4.6	The rates set out in Part F of the Schedule shall be adjusted for any increase in the rates charged by subcontractors that could not reasonably have been foreseen by the Builder at the time this Contract is signed by the Builder, and which would otherwise have the effect of eroding the Builder’s profit margin. The Builder must be able to substantiate the increase by reference to written evidence such as quotations, communications or invoices from the relevant subcontractor, clearly demonstrating the rates that were first advised to the Builder when Part F of the Schedule was completed, and the rates subsequently charged. The Builder shall whenever reasonably practicable, resist any rate increases and procure subcontracts on the basis of fixed rates that cannot be increased during the course of the Building Work.
4.7	If any of the subcontractor rates set out in Part F of the Schedule decrease for any reason (other than rebates or discounts provided to the Builder as a result of such factors as loyalty, volume of business, enticement to form a new or long term trading relationship, or membership of a trade association or cooperative company), the decreased rate(s) shall be used in the calculation of all progress payments and the Final Contract Price from the time that the decrease takes effect.
4.8	Either prior or subsequent to the Parties entering into this Contract, the Builder may have given or may give to the Owner or the Owner’s representative(s) an estimate, indication, projection, guess, intimation, prediction or similar communication (together referred to as an “estimate”) as to what the Final Contract Price or any component of it is likely to turn out to be. It is common for building owners to request an estimate and it is common for builders, in good faith and out of a desire to be helpful, to comply with that request, or indeed to offer an estimate unsolicited. The Parties acknowledge that even the most carefully calculated estimate can in hindsight prove to be grossly pessimistic or optimistic, and it is impossible for the Builder to accurately predict what the final outcome of the Project will be, given that so many factors are outside the Builder’s control.
4.9	The Parties have chosen this form of contract rather than a fixed price contract because they have agreed that the Final Contract Price will be determined by the hours of work and the materials and other direct costs that are ultimately involved, and the margin applied to those items. By definition, those hours and those costs cannot be known in advance. The Parties therefore expressly record that any such estimate that may have been or may be provided by the Builder – assuming the Builder used the term “estimate” or some reasonably equivalent expression – shall only represent the Builder’s best guess, based on the Builder’s experience and what the Builder knows about the Project itself to date. The Builder agrees to take reasonable care in calculating any estimate that may be given, and to keep the Owner regularly informed, by the provision of periodic invoices or otherwise, of the amount paid and payable to the Builder in respect of the Building Work at any given time.
4.10	A price estimate is fundamentally different from an undertaking, promise, commitment, statement, assurance, warranty or representation (together referred to as a “representation”) that the total contract price will amount to, or will not exceed, a stated or fixed sum. If the Builder has given such a representation, then that will bind the Builder in accordance with its terms. However the representation must be reasonably inferred from the wording used. For example if either of the Parties has, without full knowledge of the legal significance, mistakenly described an estimate as a “quote” or used some other wording that might suggest a representation that would be enforceable in law, then that will not constitute a representation if the Parties did not intend it to have that effect.

13.1	Part H of the Schedule contemplates that the Parties will elect who is responsible for arranging the contract works insurance. If the Parties have not made that election or if their intention is unclear, then the Owner must arrange contract works insurance if the Building Work involves changes, alterations, renovations, restoration, repairs or maintenance to existing structures, and the Builder is responsible for arranging contract works insurance if the Building Work involves constructing an entirely new stand-alone structure. Irrespective of who arranges the contract works insurance, the excess on a contract works claim is payable by the Owner. Given that such insurance typically expires on Practical Completion, the Owner must ensure that the Building is insured from that point onwards.
13.2	The amount insured must be at least as much as the Original Contract Price, plus an allowance for Owner-supplied materials, expediting expenses, removal of debris, professional fees, increased costs during construction, increased costs during reconstruction, and materials in storage (off the Project site). Unless otherwise agreed, the allowances for these items shall be those shown in Part H of the Schedule, and if no allowance is made in that Part for any item then the allowance must be reasonable in the circumstances.
13.3	The Owner must arrange contract works insurance against loss or damage to the Owner’s existing structures made available by the Owner to enable the performance of the Building Work, or existing structures adjacent to the Building, and to the Owner’s contents. This insurance must be for the full replacement value, and for consequential loss arising from loss or damage to those structures and contents.
13.4	The Builder must arrange public liability insurance for loss or damage to any property, or illness, injury or death to any person, that arises from the performance of the Building Work.
13.5	In the event of loss or damage to any part of the Building which is not caused by the Builder or any party for whom the Builder is responsible:
		a.	The Builder is not required to carry out any restoration work at the Builder’s own expense.
		b.	The Builder will restore all loss or damage to the Building and the restoration work will be treated as a Variation.
		c.	The restoration work will be paid for from the proceeds of the contract works insurance.
		d.	If the delay in confirming insurance cover after loss or damage to the Building has occurred is such that the Builder can no longer reasonably afford to maintain spare capacity to perform the Building Work when required, the Builder may suspend the Building Work as if clause 20.2 applied, and if the Builder has not cancelled the contract in the meantime, the Builder shall not be obliged to resume the Building Work until the Builder’s commitments reasonably allow for a resumption.
13.6	If this Contract is completed on-line, and either Party has selected the option to apply for a contract works policy marketed under the “REDi” brand, then an application for such a policy will be automatically generated from the information entered into the Schedule of this Contract.
13.7	The insurance broker responsible for arranging the REDi contract works policy and the underwriter(s) to whom the application is submitted together with their respective representatives or agents are authorised to obtain from, and disclose to, any other party any information they consider relevant to the assessment of the application for the policy.
13.8	For the purpose of section 12 of the Contract and Commercial Law Act 2017, the provisions in this Part 13 are intended to create obligations enforceable by the insurance broker and the underwriter(s) referred to in clause 13.7 and their respective representatives or agents, whether or not they are parties to this Building Contract.

9.1	The Builder shall commence the Building Work within a reasonable time after:
	a.	the Contract has been signed by both parties; and
	b.	any deposit payable in accordance with clause 7.2 has been paid; and
	c.	any necessary Building Consent or resource consent or other requisite consents or licences or consent amendments have been issued.
9.2	Unless otherwise agreed in writing between the Parties, the Owner shall obtain all project information memoranda, Building Consents, resource or other consents or licences, and consent amendments required for the Building Work.
9.3	The Owner shall promptly provide all information reasonably required by the Builder to enable the Builder to comply with the Builder’s obligations under this Contract, whether prior to the commencement of, during the performance of, or after the completion of the Building Work.
9.4	The expected completion date stated in Part B of the Schedule shall be automatically extended by a reasonable time where delays arise due to:
	a.	Variations;
	b.	Any strike, lockout, or other industrial action;
	c.	Loss or damage to the Building Work other than loss or damage caused by the Builder’s breach of its obligations under this Contract;
	d.	Flood, volcanic, or seismic events;
	e.	Inclement weather;
	f.	Failure to obtain consent or approval through no fault of the Builder;
	g.	Failure by the Owner to give timely directions;
	h.	Unforeseen physical conditions;
	i.	The Builder exercising its right to suspend the Building Work under this Contract;
	j.	Act, omission or default by the Owner or any person for whose acts or omissions the Owner is responsible;
	k.	A separate contractor’s act or omission;
	l.	Unavailability or shortage of materials;
	m.	Any other event which is beyond the reasonable control of the Builder and for which the Builder is not responsible.

7.1	The Builder is not obliged to commence the Building Work until any deposit payable in accordance with clause 7.2 has been paid.
7.2	The Deposit shall be paid by the Owner upon signing the Contract. The Deposit shall be held by the Builder and applied towards payment of the final invoice, or as provided by clause 20.9 or clause 21.4. The Deposit is therefore not to be treated as a progress payment. If the final invoice is less than the Deposit then the Builder shall pay the Owner the balance of the Deposit upon issuing the final invoice.
7.3	The Owner shall make progress payments to the Builder for Building Work completed and materials supplied, including any adjustments for Provisional Sums, cost fluctuations or Variations, up to the end of the applicable period or stage of work. The payments shall be made into a bank account provided by the Builder via internet banking or direct deposit, unless the parties agree on a different payment method.
7.4	Where the parties have agreed to progress payments at completion stages (Option A in Part E of the Schedule) the Builder may issue an invoice at any time after a relevant stage of completion is reached. If a completion stage cannot be reached due to matters beyond the Builder’s reasonable control, and one month has elapsed since the previous invoice, the Builder may invoice for the proportion of that completion stage that has been reached.
7.5	Where the parties have agreed to progress payments at the end of defined periods of time (Option B in Part E of the Schedule) the Builder may issue an invoice for the Building Work completed up to the end of each such period. Any invoice issued in advance of the end of the relevant period (other than a final invoice) shall be deemed to have been issued on the last working day of that period.
7.6	The Owner must pay the invoiced amount in full within 5 Working Days of the invoice being delivered or sent to the Owner or such other time as is stated in Part F of the Schedule. If the Owner does not consider that all or any part of the invoiced amount is payable, the Owner must, within 5 Working Days after the invoice was delivered or sent to the Owner:
	a.	reply in writing to the Builder stating the amount that the Owner considers payable (the undisputed amount), and
	b.	specifying the reasons why any part of the invoiced amount is disputed, and the method in which the disputed amount has been calculated; and
	c.	pay the undisputed amount.
7.7	If the Builder’s invoice is or is accompanied by a payment claim made under the CCA, then any payment schedule as defined in section 5 of that Act must be provided to the Builder within 5 Working Days of the payment claim being served on the Owner.
7.8	The Owner shall pay progress payments on the due dates, irrespective of when the Owner’s bank or financier is prepared to advance any monies required by the Owner in order to meet the Owner’s payment obligations under this Contract. It is the Owner’s responsibility to ensure that sufficient funds are available to comply with the Owner’s payment obligations under this Contract. The issue of a Code Compliance Certificate is not a prerequisite to Practical Completion or the Builder’s entitlement to payment of the final invoice.
7.9	The Owner may at any time request the Builder to provide a receipt or statement recording or evidencing the payments received from the Owner.
7.10	The Parties will comply with their obligations (if any) under Subpart 2A of the CCA (which requires certain retention monies to be held on trust or otherwise secured) to the extent that Subpart 2A applies to this Contract. The purpose of this provision is to ensure that an adjudicator appointed under the CCA or an arbitrator appointed under the Arbitration Act 1996 has jurisdiction to make a determination in respect of any such obligations, as if they were expressly incorporated into this Contract.

NZCB Apprentice Trust

About Us

Our Trustees

Our Focus

What We Fund

Who Can Apply

What You'll Need to Apply

Make a Donation

Q&A's

Looking for Support from the Trust?

Contact

Being a NZCB member is good for business.

The website is undergoing maintenace, please come back later.

Make a technical enquiry

NZCB Apprentice Trust

About Us

Our Trustees

Our Focus

What We Fund

Who Can Apply

What You'll Need to Apply

Make a Donation

Q&A's

Looking for Support from the Trust?

Contact

Being a NZCB member is good for business.

The website is undergoing maintenace, please come back later.

12 Insurance

4. Calculation of Progress Payments & Final Contract Price

13 Insurance

9. Commencement and Completion of Work

Make a technical enquiry

7 Invoices and payments

4 Calculation of Progress Payments & Final Contract Price

6. Invoices and Payments

8 Commencement and Completion of Work

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