Eng. Blessings Mulenga Kombe

Eng. Blessings Mulenga Kombe ๐Œ๐š๐ง๐š๐ ๐ข๐ง๐  ๐ƒ๐ข๐ซ๐ž๐œ๐ญ๐จ๐ซ - ๐€๐ฌ๐ฌ๐ž๐ฌ๐ฌ๐๐ซ๐จ ๐‚๐จ๐ง๐ฌ๐ฎ๐ฅ๐ญ๐š๐ง๐ญ๐ฌ ๐‹๐ข๐ฆ๐ข๐ญ๐ž๐ [ ๐—•๐—˜๐—ป๐—ด (๐—›๐—ผ๐—ป๐˜€)๐—–๐—ถ๐˜ƒ๐—ถ๐—น, ๐— ๐—˜๐—œ๐—ญ | ๐—Ÿ๐—Ÿ๐—• | ๐— ๐—•๐—” | ๐—Ÿ๐—” | ๐—ฅ๐—˜ ]

08/08/2026

50pin Loyce Baby Lulu

๐ŸŒพ ๐—›๐—ฎ๐—ฝ๐—ฝ๐˜† ๐—™๐—ฎ๐—ฟ๐—บ๐—ฒ๐—ฟ๐˜€' ๐——๐—ฎ๐˜†  ๐ŸŒพOn Monday, the 3rd August 2026, we celebrated the men and women whose hands feed nations, sustain...
07/08/2026

๐ŸŒพ ๐—›๐—ฎ๐—ฝ๐—ฝ๐˜† ๐—™๐—ฎ๐—ฟ๐—บ๐—ฒ๐—ฟ๐˜€' ๐——๐—ฎ๐˜† ๐ŸŒพ

On Monday, the 3rd August 2026, we celebrated the men and women whose hands feed nations, sustain economies, and secure the future. Every seed you plant is an act of faith, every harvest is a testament to resilience, and every season reflects your unwavering commitment to providing for the world.

Farming is more than an occupation, it is a calling. Yet it remains one of the most unpredictable professions. Droughts, floods, hailstorms, pests, diseases, and market uncertainties can undo months of hard work in a matter of hours. While we cannot control nature, we can prepare for its uncertainties.

As we honour our farmers today, let us also encourage a culture of risk management. One of the most effective ways to safeguard your investment is through Crop Insurance. Insurance is not merely a financial product; it is a safety net that protects your hard work, your livelihood, and your ability to plant again when the unexpected happens. It ensures that one unfortunate season does not define your future.

To every farmer, remain resilient. Continue embracing modern farming practices, protecting your investments, and planning for tomorrow. Your determination is the foundation of our food security, and your resilience inspires us all.

From all of us at AssessPro Consultants Limited, we salute your dedication, your sacrifices, and your invaluable contribution to our nation.

Happy Farmers' Day!

๐—˜๐—ป๐˜ƒ๐—ถ๐—ฟ๐—ผ๐—ป๐—บ๐—ฒ๐—ป๐˜๐—ฎ๐—น ๐—ฃ๐˜‚๐—ฏ๐—น๐—ถ๐—ฐ ๐—Ÿ๐—ถ๐—ฎ๐—ฏ๐—ถ๐—น๐—ถ๐˜๐˜†: ๐—ฃ๐—ฟ๐—ฒ๐˜ƒ๐—ฒ๐—ป๐˜๐—ถ๐—ผ๐—ป ๐—•๐—ฒ๐—ณ๐—ผ๐—ฟ๐—ฒ ๐—–๐—น๐—ฎ๐—ถ๐—บ๐˜€Environmental Public Liability remains one of the most underesti...
07/08/2026

๐—˜๐—ป๐˜ƒ๐—ถ๐—ฟ๐—ผ๐—ป๐—บ๐—ฒ๐—ป๐˜๐—ฎ๐—น ๐—ฃ๐˜‚๐—ฏ๐—น๐—ถ๐—ฐ ๐—Ÿ๐—ถ๐—ฎ๐—ฏ๐—ถ๐—น๐—ถ๐˜๐˜†: ๐—ฃ๐—ฟ๐—ฒ๐˜ƒ๐—ฒ๐—ป๐˜๐—ถ๐—ผ๐—ป ๐—•๐—ฒ๐—ณ๐—ผ๐—ฟ๐—ฒ ๐—–๐—น๐—ฎ๐—ถ๐—บ๐˜€

Environmental Public Liability remains one of the most underestimated exposures in today's insurance industry, despite its potential to result in catastrophic losses affecting businesses, communities, and the environment.

For Insurers with exposures in mining, heavy industry, manufacturing, energy, and other high risk operations, underwriting should not end when the policy is issued. Environmental risks evolve continuously, and so should the risk management process.

Routine environmental inspections and risk mitigation reviews help confirm that insureds continue to uphold the environmental standards, operational controls, and due diligence upon which the risk was originally accepted. They also provide an opportunity to identify emerging exposures and implement corrective measures before they become costly claims.

More importantly, these inspections create an opportunity to continually provide practical risk management recommendations that reduce both the frequency and severity of environmental losses.

One reality is that when a major claim occurs, insured parties naturally focus on demonstrating compliance with policy conditions, doing everything possible to avoid leaking any facts that could potentially risk the coverage of their claim.

However, the greatest value of insurance risk management lies in preventing disputes before they arise.

Consistent inspections, documented recommendations, and regular engagement with insured clients create a transparent record demonstrating that both insurer and insured actively participated in managing environmental exposures. This proactive partnership significantly reduces the likelihood of catastrophic losses while strengthening the overall insurability of the risk.

Environmental Public Liability should therefore be viewed not simply as another insurance policy, but as an ongoing risk management commitment between the insurer and the insured.

At AssessPro Consultants Limited, we believe that effective Environmental Public Liability management extends beyond underwriting. Through periodic environmental risk inspections, independent engineering assessments, and practical risk improvement recommendations, insurers and insureds alike can significantly reduce catastrophic exposures while strengthening resilience against future environmental liabilities.

We believe that effective risk management is not measured by how well claims are handled, but by how many claims are prevented

Blessings Kombe
Assesspro Consultants

๐—•๐—ฒ๐˜†๐—ผ๐—ป๐—ฑ ๐˜๐—ต๐—ฒ ๐—ฃ๐—ฎ๐—ฝ๐—ฒ๐—ฟ๐˜„๐—ผ๐—ฟ๐—ธ: ๐—ช๐—ต๐˜† ๐—ง๐—ฒ๐—ฐ๐—ต๐—ป๐—ถ๐—ฐ๐—ฎ๐—น ๐—œ๐—ป๐˜ƒ๐—ฒ๐˜€๐˜๐—ถ๐—ด๐—ฎ๐˜๐—ถ๐—ผ๐—ป๐˜€ ๐—”๐—ฟ๐—ฒ ๐—˜๐˜€๐˜€๐—ฒ๐—ป๐˜๐—ถ๐—ฎ๐—น ๐—ถ๐—ป ๐— ๐—ถ๐—ป๐—ถ๐—ป๐—ด ๐—ฎ๐—ป๐—ฑ ๐—›๐—ฒ๐—ฎ๐˜ƒ๐˜† ๐—œ๐—ป๐—ฑ๐˜‚๐˜€๐˜๐—ฟ๐—ถ๐—ฎ๐—น ๐—œ๐—ป๐˜€๐˜‚๐—ฟ๐—ฎ๐—ป๐—ฐ๐—ฒ ๐—–๐—น๐—ฎ๐—ถ๐—บ๐˜€The mini...
07/08/2026

๐—•๐—ฒ๐˜†๐—ผ๐—ป๐—ฑ ๐˜๐—ต๐—ฒ ๐—ฃ๐—ฎ๐—ฝ๐—ฒ๐—ฟ๐˜„๐—ผ๐—ฟ๐—ธ: ๐—ช๐—ต๐˜† ๐—ง๐—ฒ๐—ฐ๐—ต๐—ป๐—ถ๐—ฐ๐—ฎ๐—น ๐—œ๐—ป๐˜ƒ๐—ฒ๐˜€๐˜๐—ถ๐—ด๐—ฎ๐˜๐—ถ๐—ผ๐—ป๐˜€ ๐—”๐—ฟ๐—ฒ ๐—˜๐˜€๐˜€๐—ฒ๐—ป๐˜๐—ถ๐—ฎ๐—น ๐—ถ๐—ป ๐— ๐—ถ๐—ป๐—ถ๐—ป๐—ด ๐—ฎ๐—ป๐—ฑ ๐—›๐—ฒ๐—ฎ๐˜ƒ๐˜† ๐—œ๐—ป๐—ฑ๐˜‚๐˜€๐˜๐—ฟ๐—ถ๐—ฎ๐—น ๐—œ๐—ป๐˜€๐˜‚๐—ฟ๐—ฎ๐—ป๐—ฐ๐—ฒ ๐—–๐—น๐—ฎ๐—ถ๐—บ๐˜€

The mining and heavy industrial sectors operate some of the world's most sophisticated and capital intensive equipment. From crushers, conveyors, mills, excavators to processing plants, power generation plants etc, the failure of a single critical asset can result in significant financial losses extending far beyond the cost of repairs. Such losses often involve Machinery Breakdown, Material Damage, and Business Interruption claims, making the claims adjustment process highly technical and demanding.

In many instances, insurers receive claim submissions containing repair quotations, technical reports, invoices, maintenance records, and other supporting documentation. While these documents provide valuable information, we as AssessPro are of the opinion that these documets should never form the sole basis for determining liability or settlement. Insurance claims of this nature require independent, objective, and technically sound investigations to establish the true cause of loss, verify the reported circumstances, and determine whether the loss falls within the scope of policy coverage or applicable exclusions.

Equally important is the assessment of Business Interruption losses. Determining the financial impact of production downtime requires careful verification of operational records, production capacities, bottlenecks, mitigation measures, and the direct relationship between the insured damage and the interruption of business operations.

At AssessPro Consultants Limited, we recognize that engineering claims demand more than document reviews. Our approach combines engineering expertise, forensic investigations, technical analysis, policy interpretation, and market research to establish the true cause and extent of every loss. We engage with repairers, manufacturers, maintenance personnel, and other technical specialists where necessary, ensuring that every recommendation is supported by objective evidence and sound engineering principles.

Our investigations are designed not only to determine the cause of failure but also to evaluate whether the claimed damages are consistent with the reported incident, whether the proposed repairs are technically justified, and whether the claimed costs represent reasonable and economical reinstatement. Where necessary, we conduct independent technical reviews and engineering assessments to validate repair methodologies and business interruption calculations.

At AssessPro Consultants, we don't simply review claims, we investigate, analyse, verify, and provide technically substantiated recommendations. Our commitment is to deliver independent, professional, and evidence based loss adjusting services that ensure fairness, accuracy, and confidence in every engineering and industrial insurance claim.

BMK

๐—˜๐—ป๐—ด๐—ถ๐—ป๐—ฒ๐—ฒ๐—ฟ๐—ถ๐—ป๐—ด & ๐— ๐—ถ๐—ป๐—ฒ ๐—ฅ๐—ถ๐˜€๐—ธ ๐— ๐—ฎ๐—ป๐—ฎ๐—ด๐—ฒ๐—บ๐—ฒ๐—ป๐˜ ๐—ฆ๐˜‚๐—ฟ๐˜ƒ๐—ฒ๐˜†๐˜€: ๐—ง๐—ต๐—ฒ ๐——๐—ถ๐—ณ๐—ณ๐—ฒ๐—ฟ๐—ฒ๐—ป๐—ฐ๐—ฒ ๐—•๐—ฒ๐˜๐˜„๐—ฒ๐—ฒ๐—ป ๐—œ๐—ป๐˜€๐˜‚๐—ฟ๐—ถ๐—ป๐—ด ๐—ฎ ๐—ฅ๐—ถ๐˜€๐—ธ ๐—ฎ๐—ป๐—ฑ ๐—œ๐—ป๐—ต๐—ฒ๐—ฟ๐—ถ๐˜๐—ถ๐—ป๐—ด ๐—ฎ ๐—Ÿ๐—ถ๐—ฎ๐—ฏ๐—ถ๐—น๐—ถ๐˜๐˜†In today's ...
03/08/2026

๐—˜๐—ป๐—ด๐—ถ๐—ป๐—ฒ๐—ฒ๐—ฟ๐—ถ๐—ป๐—ด & ๐— ๐—ถ๐—ป๐—ฒ ๐—ฅ๐—ถ๐˜€๐—ธ ๐— ๐—ฎ๐—ป๐—ฎ๐—ด๐—ฒ๐—บ๐—ฒ๐—ป๐˜ ๐—ฆ๐˜‚๐—ฟ๐˜ƒ๐—ฒ๐˜†๐˜€: ๐—ง๐—ต๐—ฒ ๐——๐—ถ๐—ณ๐—ณ๐—ฒ๐—ฟ๐—ฒ๐—ป๐—ฐ๐—ฒ ๐—•๐—ฒ๐˜๐˜„๐—ฒ๐—ฒ๐—ป ๐—œ๐—ป๐˜€๐˜‚๐—ฟ๐—ถ๐—ป๐—ด ๐—ฎ ๐—ฅ๐—ถ๐˜€๐—ธ ๐—ฎ๐—ป๐—ฑ ๐—œ๐—ป๐—ต๐—ฒ๐—ฟ๐—ถ๐˜๐—ถ๐—ป๐—ด ๐—ฎ ๐—Ÿ๐—ถ๐—ฎ๐—ฏ๐—ถ๐—น๐—ถ๐˜๐˜†

In today's mining industry, particularly across mature mining operations, many assets have endured years of fluctuating production, prolonged shutdowns and extended periods under care and maintenance.

While these operations may eventually resume production, one critical question must always be asked before any insurance cover is placed:
What is the true condition of the risk?
This is where Engineering and Mine Risk Management Surveys become indispensable.
Insurance is designed to protect against unforeseen and accidental losses, not to finance the correction of years of deferred maintenance, ageing infrastructure, hidden deterioration, or operational neglect. Unfortunately, where thorough pre-placement risk surveys are not undertaken, insurers may unknowingly assume liabilities that existed long before the inception of the policy.

The consequences are significant. Premiums become inadequate for the actual exposure, claims increase, disputes arise, and ultimately both the insured and insurer suffer financial loss.
This is especially true for mines that have experienced repeated operational interruptions or have remained on care and maintenance for extended periods. Equipment that appears operational on the surface may conceal severe mechanical fatigue, corrosion, structural weaknesses, electrical degradation or compromised safety systems with some of the processing plants having internal deterioration.

At AssessPro Consultants Limited, we believe that every mining operation tells a story. Our responsibility is to uncover that story before the insurer commits to accepting the risk.

Our Engineering and Mine Risk Management Surveys extend far beyond routine inspections. We undertake comprehensive technical investigations designed to identify both visible and hidden exposures that may significantly influence the insurability of a mining operation.

Our reports are not merely inspection documents, they are decision making tools. They provide insurers with a realistic understanding of the risk profile, allowing informed underwriting decisions, appropriate policy terms, and sustainable pricing. Equally, they assist mine owners in identifying deficiencies before they develop into costly incidents, enabling corrective action that strengthens both operational resilience and insurability.

At AssessPro Consultants Limited, we remain committed to delivering technically robust, independent, and comprehensive Engineering and Mine Risk Management Surveys that provide confidence to insurers, assurance to mine owners, and long-term value to every stakeholder involved. Because successful underwriting begins long before the policy is issued, it begins with understanding the risk.

Blessings Kombe
Managing Director
AssessPro Consultants Limited

๐—ฅ๐—ฒ๐˜€๐˜๐—ผ๐—ฟ๐—ถ๐—ป๐—ด ๐˜๐—ต๐—ฒ ๐—ฉ๐—ฎ๐—น๐˜‚๐—ฒ ๐—ผ๐—ณ ๐— ๐—ผ๐˜๐—ผ๐—ฟ ๐—”๐˜€๐˜€๐—ฒ๐˜€๐˜€๐—ถ๐—ป๐—ด: ๐—ช๐—ต๐˜† ๐—ค๐˜‚๐—ฎ๐—น๐—ถ๐˜๐˜† ๐— ๐˜‚๐˜€๐˜ ๐—ก๐—ฒ๐˜ƒ๐—ฒ๐—ฟ ๐—•๐—ฒ ๐——๐—ฒ๐˜๐—ฒ๐—ฟ๐—บ๐—ถ๐—ป๐—ฒ๐—ฑ ๐—ฏ๐˜† ๐˜๐—ต๐—ฒ ๐—”๐˜€๐˜€๐—ฒ๐˜€๐˜€๐—บ๐—ฒ๐—ป๐˜ ๐—™๐—ฒ๐—ฒThe motor assessing pr...
29/07/2026

๐—ฅ๐—ฒ๐˜€๐˜๐—ผ๐—ฟ๐—ถ๐—ป๐—ด ๐˜๐—ต๐—ฒ ๐—ฉ๐—ฎ๐—น๐˜‚๐—ฒ ๐—ผ๐—ณ ๐— ๐—ผ๐˜๐—ผ๐—ฟ ๐—”๐˜€๐˜€๐—ฒ๐˜€๐˜€๐—ถ๐—ป๐—ด: ๐—ช๐—ต๐˜† ๐—ค๐˜‚๐—ฎ๐—น๐—ถ๐˜๐˜† ๐— ๐˜‚๐˜€๐˜ ๐—ก๐—ฒ๐˜ƒ๐—ฒ๐—ฟ ๐—•๐—ฒ ๐——๐—ฒ๐˜๐—ฒ๐—ฟ๐—บ๐—ถ๐—ป๐—ฒ๐—ฑ ๐—ฏ๐˜† ๐˜๐—ต๐—ฒ ๐—”๐˜€๐˜€๐—ฒ๐˜€๐˜€๐—บ๐—ฒ๐—ป๐˜ ๐—™๐—ฒ๐—ฒ

The motor assessing profession plays a critical role within the insurance value chain. Every assessment report forms the foundation upon which insurers make decisions involving repair authorisations, indemnity, fraud detection, salvage disposal, reserve setting and claim settlement.

Sadly, our industry is gradually witnessing a decline in the quality of motor assessment reports. More often than not, the justification offered is that assessment fees have have been too low to warrant a detailed inspection or comprehensive reporting.

While the concern regarding declining professional fees is genuine and deserves industry wide attention, we must never allow the value of our work to be determined by the value of the invoice. Our signature on a report is a reflection of our professional reputation, not the amount we are being paid.

Ironically, one of the reasons assessment fees continue to stagnate is the declining quality of reports being submitted. It becomes difficult to argue for improved remuneration when reports lack technical analysis, meaningful investigation, market verification and value addition. Excellence creates demand. Quality creates confidence. Confidence creates value. And value ultimately commands better remuneration. Its time to shift the conversation from the price of an assessment to the value of an assessment.

A motor assessment is far more than taking photos of damaged vehicles and negotiating repair discounts. Our responsibility extends much deeper. Every assessment should involve a thorough technical investigation into the nature and extent of damage, determining whether the reported circumstances are consistent with the physical evidence, identifying pre-existing damage, detecting possible fraud indicators, evaluating repair methodology, assessing the necessity of replacement parts, confirming labour reasonableness and ensuring that claimed repair costs genuinely reflect prevailing market prices.

Cost agreement should never be mistaken for discount seeking. The objective of agreeing repair costs is not to simply reduce repair estimates. It is to establish a fair, technically justified and commercially reasonable repair value that protects the interests of all stakeholders. Sometimes that may result in a lower repair cost than initially quoted. Equally, it may require supporting a higher repair cost where genuine market pricing justifies it. Fairness not discount is the hallmark of a competent assessor

Unfortunately, the profession is increasingly being perceived as one whose primary function is merely to negotiate lower repair quotations. Such a perception diminishes the technical expertise, engineering judgement and investigative role that define motor assessing. We must actively work to change this narrative

BMK Assesspro Consultants

๐‘๐ž๐ฌ๐ฎ๐ฅ๐ญ-๐จ๐ซ๐ข๐ž๐ง๐ญ๐ž๐ ๐‚๐ข๐ฏ๐ข๐ฅ ๐„๐ง๐ ๐ข๐ง๐ž๐ž๐ซ, ๐‹๐จ๐ฌ๐ฌ ๐€๐๐ฃ๐ฎ๐ฌ๐ญ๐ž๐ซ, ๐‘๐ข๐ฌ๐ค ๐„๐ง๐ ๐ข๐ง๐ž๐ž๐ซ, ๐š๐ง๐ ๐๐ซ๐จ๐ฃ๐ž๐œ๐ญ ๐๐ฅ๐š๐ง๐ง๐ข๐ง๐  ๐’๐ฉ๐ž๐œ๐ข๐š๐ฅ๐ข๐ฌ๐ญ ๐ฐ๐ข๐ญ๐ก ๐จ๐ฏ๐ž๐ซ 7 ๐ฒ๐ž๐š๐ซ๐ฌ ๐จ๐Ÿ ๐๐ข๐ฏ๐ž๐ซ...
05/07/2026

๐‘๐ž๐ฌ๐ฎ๐ฅ๐ญ-๐จ๐ซ๐ข๐ž๐ง๐ญ๐ž๐ ๐‚๐ข๐ฏ๐ข๐ฅ ๐„๐ง๐ ๐ข๐ง๐ž๐ž๐ซ, ๐‹๐จ๐ฌ๐ฌ ๐€๐๐ฃ๐ฎ๐ฌ๐ญ๐ž๐ซ, ๐‘๐ข๐ฌ๐ค ๐„๐ง๐ ๐ข๐ง๐ž๐ž๐ซ, ๐š๐ง๐ ๐๐ซ๐จ๐ฃ๐ž๐œ๐ญ ๐๐ฅ๐š๐ง๐ง๐ข๐ง๐  ๐’๐ฉ๐ž๐œ๐ข๐š๐ฅ๐ข๐ฌ๐ญ ๐ฐ๐ข๐ญ๐ก ๐จ๐ฏ๐ž๐ซ 7 ๐ฒ๐ž๐š๐ซ๐ฌ ๐จ๐Ÿ ๐๐ข๐ฏ๐ž๐ซ๐ฌ๐ž ๐ฉ๐ซ๐จ๐Ÿ๐ž๐ฌ๐ฌ๐ข๐จ๐ง๐š๐ฅ ๐ž๐ฑ๐ฉ๐ž๐ซ๐ข๐ž๐ง๐œ๐ž ๐ ๐š๐ข๐ง๐ž๐ ๐š๐œ๐ซ๐จ๐ฌ๐ฌ ๐ฆ๐ฎ๐ฅ๐ญ๐ข๐ฉ๐ฅ๐ž ๐ข๐ง๐๐ฎ๐ฌ๐ญ๐ซ๐ข๐ž๐ฌ ๐š๐ง๐ ๐๐ข๐ฌ๐œ๐ข๐ฉ๐ฅ๐ข๐ง๐ž๐ฌ, ๐ข๐ง๐œ๐ฅ๐ฎ๐๐ข๐ง๐  ๐ฆ๐ข๐ง๐ข๐ง๐ , ๐œ๐จ๐ง๐ฌ๐ญ๐ซ๐ฎ๐œ๐ญ๐ข๐จ๐ง, ๐๐ž๐ฆ๐จ๐ฅ๐ข๐ญ๐ข๐จ๐ง, ๐ข๐ง๐ฌ๐ฎ๐ซ๐š๐ง๐œ๐ž, ๐ซ๐ข๐ฌ๐ค ๐ž๐ง๐ ๐ข๐ง๐ž๐ž๐ซ๐ข๐ง๐ , ๐š๐ง๐ ๐ฅ๐จ๐ฌ๐ฌ ๐š๐๐ฃ๐ฎ๐ฌ๐ญ๐ข๐ง๐ . ๐๐ซ๐จ๐ฏ๐ž๐ง ๐š๐›๐ข๐ฅ๐ข๐ญ๐ฒ ๐ญ๐จ ๐ฆ๐š๐ง๐š๐ ๐ž ๐œ๐จ๐ฆ๐ฉ๐ฅ๐ž๐ฑ ๐ž๐ง๐ ๐ข๐ง๐ž๐ž๐ซ๐ข๐ง๐  ๐ฉ๐ซ๐จ๐ฃ๐ž๐œ๐ญ๐ฌ, ๐œ๐จ๐ง๐๐ฎ๐œ๐ญ ๐ญ๐ž๐œ๐ก๐ง๐ข๐œ๐š๐ฅ ๐š๐ฌ๐ฌ๐ž๐ฌ๐ฌ๐ฆ๐ž๐ง๐ญ๐ฌ, ๐ž๐ฏ๐š๐ฅ๐ฎ๐š๐ญ๐ž ๐จ๐ฉ๐ž๐ซ๐š๐ญ๐ข๐จ๐ง๐š๐ฅ ๐š๐ง๐ ๐ฌ๐ญ๐ซ๐ฎ๐œ๐ญ๐ฎ๐ซ๐š๐ฅ ๐ซ๐ข๐ฌ๐ค๐ฌ, ๐ข๐ง๐ฏ๐ž๐ฌ๐ญ๐ข๐ ๐š๐ญ๐ž ๐ฅ๐จ๐ฌ๐ฌ๐ž๐ฌ, ๐š๐ง๐ ๐ฉ๐ซ๐จ๐ฏ๐ข๐๐ž ๐ฌ๐ญ๐ซ๐š๐ญ๐ž๐ ๐ข๐œ ๐ฌ๐จ๐ฅ๐ฎ๐ญ๐ข๐จ๐ง๐ฌ ๐ญ๐ก๐š๐ญ ๐ž๐ง๐ก๐š๐ง๐œ๐ž ๐ฉ๐ซ๐จ๐ฃ๐ž๐œ๐ญ ๐ž๐Ÿ๐Ÿ๐ข๐œ๐ข๐ž๐ง๐œ๐ฒ, ๐ฌ๐š๐Ÿ๐ž๐ญ๐ฒ, ๐š๐ง๐ ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐ซ๐ž๐œ๐จ๐ฏ๐ž๐ซ๐ฒ.

๐๐จ๐ฌ๐ฌ๐ž๐ฌ๐ฌ๐ž๐ฌ ๐ฌ๐ญ๐ซ๐จ๐ง๐  ๐ž๐ฑ๐ฉ๐ž๐ซ๐ญ๐ข๐ฌ๐ž ๐ข๐ง ๐ฉ๐ซ๐จ๐ฃ๐ž๐œ๐ญ ๐ฉ๐ฅ๐š๐ง๐ง๐ข๐ง๐  ๐š๐ง๐ ๐ž๐ฑ๐ž๐œ๐ฎ๐ญ๐ข๐จ๐ง, ๐ฌ๐ญ๐ซ๐ฎ๐œ๐ญ๐ฎ๐ซ๐š๐ฅ ๐š๐ฌ๐ฌ๐ž๐ฌ๐ฌ๐ฆ๐ž๐ง๐ญ, ๐œ๐จ๐ง๐ญ๐ซ๐š๐œ๐ญ ๐š๐๐ฆ๐ข๐ง๐ข๐ฌ๐ญ๐ซ๐š๐ญ๐ข๐จ๐ง, ๐ซ๐ข๐ฌ๐ค ๐ž๐ฏ๐š๐ฅ๐ฎ๐š๐ญ๐ข๐จ๐ง, ๐œ๐ฅ๐š๐ข๐ฆ๐ฌ ๐ข๐ง๐ฏ๐ž๐ฌ๐ญ๐ข๐ ๐š๐ญ๐ข๐จ๐ง, ๐š๐ฌ๐ฌ๐ž๐ญ ๐ฏ๐š๐ฅ๐ฎ๐š๐ญ๐ข๐จ๐ง, ๐š๐ง๐ ๐ž๐ง๐ ๐ข๐ง๐ž๐ž๐ซ๐ข๐ง๐  ๐œ๐จ๐ง๐ฌ๐ฎ๐ฅ๐ญ๐š๐ง๐œ๐ฒ, ๐๐ž๐ฏ๐ž๐ฅ๐จ๐ฉ๐ž๐ ๐ญ๐ก๐ซ๐จ๐ฎ๐ ๐ก ๐ฐ๐จ๐ซ๐ค๐ข๐ง๐  ๐ฐ๐ข๐ญ๐ก ๐ฆ๐ฎ๐ฅ๐ญ๐ข๐๐ข๐ฌ๐œ๐ข๐ฉ๐ฅ๐ข๐ง๐š๐ซ๐ฒ ๐ญ๐ž๐š๐ฆ๐ฌ ๐š๐œ๐ซ๐จ๐ฌ๐ฌ ๐›๐จ๐ญ๐ก ๐ญ๐ž๐œ๐ก๐ง๐ข๐œ๐š๐ฅ ๐š๐ง๐ ๐ข๐ง๐ฌ๐ฎ๐ซ๐š๐ง๐œ๐ž ๐ฌ๐ž๐œ๐ญ๐จ๐ซ๐ฌ. ๐ƒ๐ž๐ฆ๐จ๐ง๐ฌ๐ญ๐ซ๐š๐ญ๐ž๐ ๐œ๐š๐ฉ๐š๐œ๐ข๐ญ๐ฒ ๐ญ๐จ ๐š๐๐š๐ฉ๐ญ ๐š๐œ๐ซ๐จ๐ฌ๐ฌ ๐๐ข๐Ÿ๐Ÿ๐ž๐ซ๐ž๐ง๐ญ ๐ข๐ง๐๐ฎ๐ฌ๐ญ๐ซ๐ข๐ž๐ฌ ๐ฐ๐ก๐ข๐ฅ๐ž ๐ฆ๐š๐ข๐ง๐ญ๐š๐ข๐ง๐ข๐ง๐  ๐š ๐ฌ๐ญ๐ซ๐จ๐ง๐  ๐Ÿ๐จ๐œ๐ฎ๐ฌ ๐จ๐ง ๐๐ž๐ฅ๐ข๐ฏ๐ž๐ซ๐ข๐ง๐  ๐ฆ๐ž๐š๐ฌ๐ฎ๐ซ๐š๐›๐ฅ๐ž ๐ซ๐ž๐ฌ๐ฎ๐ฅ๐ญ๐ฌ, ๐จ๐ฉ๐ž๐ซ๐š๐ญ๐ข๐จ๐ง๐š๐ฅ ๐ž๐ฑ๐œ๐ž๐ฅ๐ฅ๐ž๐ง๐œ๐ž, ๐š๐ง๐ ๐ฌ๐จ๐ฎ๐ง๐ ๐ž๐ง๐ ๐ข๐ง๐ž๐ž๐ซ๐ข๐ง๐  ๐ฃ๐ฎ๐๐ ๐ฆ๐ž๐ง๐ญ.

๐€๐œ๐š๐๐ž๐ฆ๐ข๐œ๐š๐ฅ๐ฅ๐ฒ ๐ ๐ซ๐จ๐ฎ๐ง๐๐ž๐ ๐ฐ๐ข๐ญ๐ก ๐š ๐‚๐ข๐ฏ๐ข๐ฅ ๐„๐ง๐ ๐ข๐ง๐ž๐ž๐ซ๐ข๐ง๐  ๐๐š๐œ๐ก๐ž๐ฅ๐จ๐ซ ๐จ๐Ÿ ๐„๐ง๐ ๐ข๐ง๐ž๐ž๐ซ๐ข๐ง๐  ๐ข๐ง ๐‚๐ข๐ฏ๐ข๐ฅ ๐„๐ง๐ ๐ข๐ง๐ž๐ž๐ซ๐ข๐ง๐ , ๐œ๐ฎ๐ซ๐ซ๐ž๐ง๐ญ๐ฅ๐ฒ ๐ฉ๐ฎ๐ซ๐ฌ๐ฎ๐ข๐ง๐  ๐š ๐Œ๐š๐ฌ๐ญ๐ž๐ซโ€™๐ฌ ๐ƒ๐ž๐ ๐ซ๐ž๐ž ๐ข๐ง ๐’๐ญ๐ซ๐ฎ๐œ๐ญ๐ฎ๐ซ๐š๐ฅ ๐„๐ง๐ ๐ข๐ง๐ž๐ž๐ซ๐ข๐ง๐  ๐’๐ญ๐ซ๐ฎ๐œ๐ญ๐ฎ๐ซ๐š๐ฅ ๐„๐ง๐ ๐ข๐ง๐ž๐ž๐ซ๐ข๐ง๐  ๐ญ๐จ ๐๐ž๐ž๐ฉ๐ž๐ง ๐š๐๐ฏ๐š๐ง๐œ๐ž๐ ๐ญ๐ž๐œ๐ก๐ง๐ข๐œ๐š๐ฅ ๐ž๐ฑ๐ฉ๐ž๐ซ๐ญ๐ข๐ฌ๐ž ๐ข๐ง ๐ฌ๐ญ๐ซ๐ฎ๐œ๐ญ๐ฎ๐ซ๐š๐ฅ ๐š๐ง๐š๐ฅ๐ฒ๐ฌ๐ข๐ฌ ๐š๐ง๐ ๐๐ž๐ฌ๐ข๐ ๐ง. ๐€๐๐๐ข๐ญ๐ข๐จ๐ง๐š๐ฅ๐ฅ๐ฒ ๐ฉ๐ฎ๐ซ๐ฌ๐ฎ๐ข๐ง๐  ๐š ๐๐š๐œ๐ก๐ž๐ฅ๐จ๐ซ ๐จ๐Ÿ ๐‹๐š๐ฐ๐ฌ (๐‹๐‹๐), ๐ซ๐ž๐Ÿ๐ฅ๐ž๐œ๐ญ๐ข๐ง๐  ๐š ๐œ๐จ๐ฆ๐ฆ๐ข๐ญ๐ฆ๐ž๐ง๐ญ ๐ญ๐จ ๐๐ž๐ฏ๐ž๐ฅ๐จ๐ฉ๐ข๐ง๐  ๐›๐ซ๐จ๐š๐๐ž๐ซ ๐ฉ๐ซ๐จ๐Ÿ๐ž๐ฌ๐ฌ๐ข๐จ๐ง๐š๐ฅ ๐œ๐จ๐ฆ๐ฉ๐ž๐ญ๐ž๐ง๐œ๐ž ๐ข๐ง ๐ฅ๐ž๐ ๐š๐ฅ ๐Ÿ๐ซ๐š๐ฆ๐ž๐ฐ๐จ๐ซ๐ค๐ฌ, ๐œ๐จ๐ง๐ญ๐ซ๐š๐œ๐ญ ๐ฅ๐š๐ฐ, ๐ซ๐ž๐ ๐ฎ๐ฅ๐š๐ญ๐จ๐ซ๐ฒ ๐œ๐จ๐ฆ๐ฉ๐ฅ๐ข๐š๐ง๐œ๐ž, ๐๐ข๐ฌ๐ฉ๐ฎ๐ญ๐ž ๐ซ๐ž๐ฌ๐จ๐ฅ๐ฎ๐ญ๐ข๐จ๐ง, ๐š๐ง๐ ๐œ๐จ๐ซ๐ฉ๐จ๐ซ๐š๐ญ๐ž ๐ ๐จ๐ฏ๐ž๐ซ๐ง๐š๐ง๐œ๐ž.

๐‚๐จ๐ฆ๐›๐ข๐ง๐ž๐ฌ ๐ญ๐ž๐œ๐ก๐ง๐ข๐œ๐š๐ฅ ๐ž๐ง๐ ๐ข๐ง๐ž๐ž๐ซ๐ข๐ง๐  ๐ค๐ง๐จ๐ฐ๐ฅ๐ž๐๐ ๐ž, ๐š๐ง๐š๐ฅ๐ฒ๐ญ๐ข๐œ๐š๐ฅ ๐ฉ๐ซ๐จ๐›๐ฅ๐ž๐ฆ-๐ฌ๐จ๐ฅ๐ฏ๐ข๐ง๐ , ๐ฅ๐ž๐ ๐š๐ฅ ๐š๐ฐ๐š๐ซ๐ž๐ง๐ž๐ฌ๐ฌ, ๐š๐ง๐ ๐ฉ๐ซ๐š๐œ๐ญ๐ข๐œ๐š๐ฅ ๐ข๐ง๐๐ฎ๐ฌ๐ญ๐ซ๐ฒ ๐ž๐ฑ๐ฉ๐ž๐ซ๐ข๐ž๐ง๐œ๐ž ๐ญ๐จ ๐๐ž๐ฅ๐ข๐ฏ๐ž๐ซ ๐ฏ๐š๐ฅ๐ฎ๐ž-๐๐ซ๐ข๐ฏ๐ž๐ง ๐ฌ๐จ๐ฅ๐ฎ๐ญ๐ข๐จ๐ง๐ฌ ๐ข๐ง ๐ž๐ง๐ ๐ข๐ง๐ž๐ž๐ซ๐ข๐ง๐  ๐ฉ๐ซ๐š๐œ๐ญ๐ข๐œ๐ž, ๐ข๐ง๐ฌ๐ฎ๐ซ๐š๐ง๐œ๐ž ๐ข๐ง๐ฏ๐ž๐ฌ๐ญ๐ข๐ ๐š๐ญ๐ข๐จ๐ง๐ฌ, ๐ข๐ง๐Ÿ๐ซ๐š๐ฌ๐ญ๐ซ๐ฎ๐œ๐ญ๐ฎ๐ซ๐ž ๐๐ž๐ฏ๐ž๐ฅ๐จ๐ฉ๐ฆ๐ž๐ง๐ญ, ๐ซ๐ข๐ฌ๐ค ๐ฆ๐š๐ง๐š๐ ๐ž๐ฆ๐ž๐ง๐ญ, ๐š๐ง๐ ๐ฉ๐ซ๐จ๐ฃ๐ž๐œ๐ญ ๐ฅ๐ž๐š๐๐ž๐ซ๐ฌ๐ก๐ข๐ฉ.

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Plot No 32250 Foxdale, Chamba Valley, Lusaka
Kitwe
10101

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