Post your job for free. Get quotes. Read reviews.
Post your job for free. Read reviews, get quotes, and see tips on hiring the right person.
How does it work?There are 340 Loft Conversion Specialists in Rugby, and last month we helped homeowners get quotes for their home improvement jobs.
Take a look at our Loft Conversion Specialists profiles, read reviews and request quotes directly.
Trading as intrendbuilders and tesscon co uk search us on google We are a friendly, hard working & affordable company who specialise in All forms of roofing and general building, maintenance, fencing and landscaping, waste removal, end of tenancy property clearances, wooden & laminate flooring and more in all areas of Birmingham & surrounding areas.
Latest homeowner review
Richard and his team did a great job of replacing our garden gazebo roof. Pete and the lads who worked at the property were professional and courteous throughout and I’d have no hesitation in recommending them.
My name is Karol, I'm your local builder. Specialist works • All masonry aspects of every build • Design & build of your project • Approved contractor, have every trade so a one stop shop for entire project We have customer testimonies, references, physical locations you can visit and a lot of reviews combined with Google - KJC Bricklaying So whether you're looking for a small repair job or want to build your extension, I can help.
Latest homeowner review
I would definitely recommend! Really hard working, genuine people with a very fair quote. Brilliant communication throughout. Couldn't fault anything they did and the finished room is brilliant. I will be using them again without a doubt and recommending them to anyone having work done. Even the neighbours commented about how dedicated and committed they were. 10/10 from us!
At MK Roofing & Guttering, we pride ourselves on delivering top-quality roofing and guttering solutions built to last. With years of hands-on experience and a reputation for reliability, our team provides expert craftsmanship, honest service, and long-lasting results for every project — big or small. We specialize in all aspects of roofing installation, repair, and maintenance, as well as gutter replacement, cleaning, and protection systems. Whether it’s a full roof replacement, a minor leak repair, or routine gutter maintenance, we approach every job with precision and care. Our goal is simple: to protect your home and enhance its value with durable, weather-resistant roofing and guttering systems that stand the test of time. Why Choose MK Roofing & Guttering: • Fully qualified and insured professionals • High-quality materials from trusted suppliers • Competitive and transparent pricing • Fast, reliable, and tidy workmanship • Guaranteed satisfaction on every job From emergency roof repairs to complete roof installations, MK Roofing & Guttering is your trusted local expert — providing dependable solutions and peace of mind for homeowners and businesses alike.
Latest homeowner review
Hi I’m alin, I’ve got over 20yrs experience in construction and building. With over 20 years’ experience, i focus on providing all types of building and construction maintenance, giving each customer an outstanding quality of service with competitive prices and the highest finish, which is made to last. I’m skilled in drylining, plastering,carpeting, painting and decorating,extensions,tiling,plumbing electricity, electrical ?etc
Latest homeowner review
Family run business take great pride in all work carried out always 100% satisfied customers take videos and pictures of each job we carry out to reassure the customer that everything is getting done to a high standard ??
Latest homeowner review
We are predominantly a 2 man team, qualified in a number of trades that cover all aspects of building works including: Extensions - Renovations - Conversions - Kitchens - Bathrooms - Driveways - Landscaping and much more. Although fairly new to (Rated people) we are no strangers to the construction industry and have a combined total of over 40 years experience time served . We are dedicated to our crafts and take pride in providing our customers with that picture perfect Finish . Please Feel free to check our customer ratings/browse through our previous works photo gallery. Although it’s not a requirement we do appreciate all former and future customers feedback and would be grateful for any and all ratings given. No pictures of works completed will be used to showcase our business without the customers consent , We look forward to meeting you. Regards. Sam and Jim
Latest homeowner review
Jim and Sam replaced our fence perimeter around our house and added a shed base at the back. They did a great job. It was not an easy job but they took their time to make sure they got it just right. They also did little extra touches to make it just right. Thanks guys. Really appreciate it. I would highly recommend them.
General construction, refurbishment .......
Latest homeowner review
Alex has completely refurbished my bathroom and i am thrilled with the result. Alex is very skilled and his work is excellent. He takes pride in what he does, and his attention to, and the care he takes with the smallest details, are not seen so often these days. Alex is obliging and helpfull with advice, and will consult his customer on details. He gets on with the job and does not mind staying late until he's finished what he is doing and cleans up before he leaves. He is a very pleasant man.
Are you looking for an honest, reliable builder with an excellent attention to detail to bring your plans to life? Are you looking to create to an open plan kitchen extension to bring the family together, or even an office in your garage as you're now working from home or maybe an extra bedroom in the loft to create more living space? 1Horizon Design & Build Limited is a construction company offering complete building services throughout Northamptonshire and surrounding areas. Through design and planning to building and completion - our approach is always the same - strategic, professional and with true attention to detail. We pride ourselves on our communication, we keep clients updated every step of the way to ensure they know exactly what’s going to happen and when. Our services include - - Extensions - New builds - Renovations - Loft conversions - Garage conversions - Garden rooms Please get in touch today, and discover the advantages of working with 1Horizon Design & Build Limited.
Latest homeowner review
We are very happy we went with 1Horizon. We wanted to do some of the internal work ourselves and they were the only ones we spoke to who agreed to this. They were happy to work with us on our quote to get what we needed. Aiden and his team were friendly, honest and reliable throughout and the standard of work provided by all trades was excellent. I would have no hesitation in recommending to others.
Hi my name is Daniel level 3 qualified bricklayer I am reliable, trustworthy and I love my job a few of my jobs I have done are in my personal gallery please have a look.
Latest homeowner review
Daniel arrived when he said he would, worked very efficiently and suggested excellent solutions for our wall, which was in a bad state and needed significant repairs. The job was finished fast, to a very good standard and at a very reasonable price. I would highly recommend.
Audio visual security solutions from small residential jobs to large Commerical systems including hotels. I’ve been running the company for 11 years. Have install several hotels systems from cctv and TVs. many residential cctv alarm systems. Worked with sky tv installing residential and Communal? satellite aerial systems.
Latest homeowner review
Great job. Completed quickly and with no fuss. James and his team were great throughout. 100% recommend.
Bright life? We are a fensa registered company and have been providing the best services to Buckinghamshire and surrounding areas since 2009. Suppling and installing A* rated double glazing at unbeatable prices, superior quality and exceptional customer service are guaranteed when you work with us! We also offer a 10 year warranty on all our product! Supply and install - - windows -doors -conservatories - warm roofs ( guardian roofs)
Latest homeowner review
Henry was brilliant and put new double-glazing throughout the house. Very efficient and tidied up nicely after the job. Definitely recommend !
Established since 1985. Specialising in all forms of Internal and External building work, including Bathroom & Kitchen installation, Plumbing & Carpentry work. If you are looking for honest and quality workmanship Call for a free quote Today...
Latest homeowner review
Lynden repaired our old oak front door with great skill and care. He refurbished it on site in three days, sanding and treating the door and replacing the rotten timber threshold the lower door jambs
Beeby Construction provides a personal yet professional service
Latest homeowner review
This was just a quote for a loft conversion which was already there, I needed to know if it was up to current day regulations. this tradesman went out on the same day and was very efficient. He e-mail me the next morning with a run down of the repairs and costings. I would definitely rate him.
Building and carpentry services ?
Latest homeowner review
Very good work, extremely nice chap, and good value. Also very knowledgable, providing some good suggestions along the way.
We are a professional renovation company that specialises in home renovations
Latest homeowner review
I was very satisfied with the results of VFurb's external renovation and decoration work, which took 3 weeks in total, extended due to rain. Dragos worked six days a week to keep me informed of progress, answered all my questions, and identified practical solutions to unforeseen problems, supported by detailed costings . He was always present to supervise his team of 2-4 workers, and personally completed the most complex roofing, piping and guttering jobs himself to a high standard.
Local builder decades of experience,
Latest homeowner review
At SquareOne we have teams to cover all aspects of improvements within commercial and domestic properties whether its a full or part refurbishment, a maintenance service we've got you covered. Our carpentry teams knowledge and craftsmanship is unreal from bespoke furniture to general repairs. We also have our own designers for where your dreams can become reality. whether it's a home cinema or a complete interior re-fresh. Our Electricans have over 20 years experience covering all domestic and commercial installs from niche lighting designs to machinery maintenance. whether you have a simple one man job or need a team of professionals, you can have the convenience of dealing with one company.
Latest homeowner review
Fantastic service. Thank you so much. Great value. Would highly recommend
Welcome to Greenstyles Construction , We are a Company who specialise in the design, planning and installation of your job. We are very experienced and have a very rich background within this industry. We specialise in: - Single Storey and Double Storey Extensions - Orangeries and conservatories - New Build homes - Plastering - Windows and doors replacement - Outbuildings - Bathrooms - Tiling - We are driven on customer satisfaction - We will go the extra mile to make sure our customers are - 20 years proven industry experience - We take care of everything - Call today and get your free quote
Latest homeowner review
Prompt, efficient and professional service throughout Bathroom renovation. I was kept up to date at all times as this was a rental property. Tenants reported that Team were polite, pleasant and hardworking. Delighted with outcome of Bathroom. Would definitely recommend and use again for home and rental. Well done and thank you Shak and Team.
AmbiSMART group offer everything you require without the headache of liasing with multi trades, that's where we Excel. A company who first started specialising in plumbing, Gas and heating have had the pleasure of growing from strength to strength. We offer a complete service from simple tap changes to the more complexed building works. Whether you are looking at Boiler upgrades, Full central heating, bathrooms, underfloor heating, complete house renovations or extensions, our highly skilled tradesmen have what it takes to deliver on time. Take the hassle off trying to manage the build and let us assist you.
Latest homeowner review
Quick and friendly service at a reasonable price
Hello and thank you for taking the time to visit our page. With BDC Roofing you are in safe hands with over 40 years' experience, through our family run business which has been passed down through generations. We are a fully insured company who take pride in our work. Quality workmanship fully guaranteed. We focus on providing all types of roofing/ Guttering repairs and maintenance to the highest finish and with a quality that is made to last. We undertake all roofing/guttering work general roofing maintenance and repairs, also pressure washing with Re-sand and sealing with no job being considered as too big or too small. Our skilled roofers guarantee a high standard of workmanship and customer care with every job. We can provide the following services: Installation of all roofs Re-pointing Valleys renewed & repaired All roof repairs New UPVC fascias & gutters ‘Hedgehog’ Clear Gutters System Brand new guttering Gutter repairs Soffits, fascias & barge boards Down pipes cleaned or replaced Replacement of missing tiles Repairs following weather damage Chimney maintenance & repairs We offer free advice, no-obligation quotes and estimates. Contact us today for free friendly, professional and helpful advice. We look forward to hearing from you. All work fully insured and guaranteed.
Latest homeowner review
Great service, good communication
Hi we are a company of that will turn your garden into a loving spaces area We do all garden clearance Garden maintenance Tree sergury Pressure washing Roof cleaning Drive way repairs or replacing Contact us today for the best quote
Latest homeowner review
GREAT CUSTOMER SERVICE AND KNOWLEDGE VFM I WILL BE BACK NEXT YEAR WELL DONE
We are a Family run Business specialists at UPVC fascia board and windows and door fitting.50 years free foam guarantee been doing facias guttering downpipe soffits and all types of roof works for 10 years we only do full replacement because its the only proper way!! Read less
Latest homeowner review
Jason and his team at JW Roofline have done a great job removing and replacing all of our fascia, soffit guttering and drainpipes over the past 2 days. I considered a few companies and chose this company based on them offering complete replacement and photos of previous work on their website and on mybuilder also. They removed all the old wood rather than just covering it up, so it was a professional job. Highly recommend this business as they specialise in roofline replacement.
I all ways wanted to be a bricklayer just like my farther so he sent me to college witch I did for two years learning the trade then worked for various companies gaining my experience giving me the opportunity to working with other trades witch I started to learn witch gave me more confidence to work for myself so I could provide a good customer service with the reliability and attention to detail with the 33 + years in the trade.
Latest homeowner review
5 star! Quick response to advert, & quote. Arrived on time, did a great job & cleaned up afterwards. Definitely use again.
DJR Building Solutions is a trusted building company based in the West Midlands, specialising in high-quality extensions, conversions, structural alterations, and bespoke kitchen and bathroom installations. With a commitment to excellence and customer satisfaction, we deliver tailored solutions that bring your vision to life. Our experienced team ensures every project is completed to the highest standards, on time and within budget.
Latest homeowner review
They did the full job and a bit more, they cleaned up everything and took all the rubbish away, They charged a reasonable price as well.
General building work Bathroom and Kitchen specialist
Latest homeowner review
Excellent tidy work. Completed on time. Punctual, professional worker who gave lots of helpful advice. I wouldn't hesitate to recommend for bathroom, tiling, flooring plumbing. All great.
RJR Home Improvements are here to help! We are a family run business who pride ourselves on high quality workmanship and customer care. We offer a friendly reliable and trustworthy service. Our high standards and customer satisfaction is of the utmost importance to us. Our skills cover the whole building sector, everything from odd jobs as small as garden & gutter clearances to full refurbishments & replacements from top to bottom of your home. We have a combined experience of 45 years in the trade which means when you choose RJR you can rest assured that your project is in the best of hands.
Latest homeowner review
Ryan was punctual at all times. His communication skills are excellent. Ryan and the team worked efficiently and effectively. The finish on the job was good. I believe that he diagnosed correctly the problem with the roof. I can’t confirm yet whether the leak has been resolved. I’ll have to wait until it rains!
AF Building&Maintenance Ltd was formed in 2015 by Arek Fleszer, who has 22 years experience in the construction industry. It is a small, friendly and thriving company. We have completed a number of contracts with various multinational and local companies.
Latest homeowner review
Arek gave us a fair quote and worked with us for a suitable start date. Arek, Kris and Gutek were lovely, friendly and polite. Nothing was too much trouble and did a fantastic job of the work we needed doing even going beyond to ensure a good finish. Absolute pleasure to have them here for 7-8 weeks. Trustworthy, professional and clean. Would absolutely recommend Arek and his team. We'll certainly be asking him back when we have the garden to do. 5*
All Aspect roofing solutions Ltd are committed to providing you with the highest standards of quality workmanship and customer care. With over 20 years combined experience no roof is beyond our ability,felt,liquid,metal,slate,tiled,single ply,Epdm systems etc Commercial industrial and domestic
Latest homeowner review
Excellent job done by reliable workmen
We have 10 years experience in the property maintenance business, and can undertake a wide range of jobs, at a reasonable cost, carried out to a high standard.
Latest homeowner review
Very polite and professional, did everything they could to fix my living room blind. Couldn't have asked for more from them. Reasonable cost considering the distance they travelled to get to my house. Would definitely recommend
We are proud of our 5 star rating . We undertake all maintenance work from fitting your new lights to full full home refurbishments. We do not turn down small jobs and have been an electrician for 40 years and in for 35 years. Our goal is to offer a prompt and reliable service to all of our customers.
Latest homeowner review
Brilliant service from start to finish. Thank you!
Here at JJ Roofing and Maintenance we have many years experience of all types of roofing from residential roofs through to industrial metal buildings. We are very punctual and always do the best job possible at a fair price every time. Our customers are very important to us so we listen to their needs, advise and plan the best solution. We then proceed to ensure they are happy throughout and at the end of every job. JJ Roofing and Maintenance are happy to help with any job no matter how big or small! Here are a list of some of the services we provide: Roofing- •Tiled and slate roofing •Flat roofing •Metal roofing •Facia, Soffit and Guttering •Leak Investigation and repair •Chimney’s •Leadwork •Roof/gutter cleaning •Roof survey’s Maintenance- •Fencing •Grounds Maintenance •Bespoke Builds •Handyman Services •Slab laying
Latest homeowner review
We are a small family company based in Solihull. Over the past 20 years we have built a strong reputation for being reliable and delivery high quality workmanship across the midlands. No job to big or small, we carry out all types of electrical work, domestic, commercial and industrial including green technologies. We also carry out building projects we have a team of individual skilled contractors that can deliver every aspect of your project from conception to completion.
Latest homeowner review
Paul did a fantastic job, after another electrician had completely wrecked the conservatory floor, Paul levelled it, laid an underfloor heating system and screeded it all in 3 days. In future, I wouldn't look anywhere else. Five stars? Should be 6.
Recommend company been trading for 15 years, very good worker and very reliable, reasonable on quotations. A specialist In flat roofing, all pvc products including facias soffits and gutters, all general roofing repairs, new roofs and all property maintenance
Latest homeowner review
Excellent job, carried out quickly and efficiently and for a reasonable cost. Would highly recommend Ethan and his team.
PSP Brickwork creates professional bricklaying solutions, brickworking and stonework to the highest standards. Highly skilled craftsman in both traditional and more modern techniques, all of our work is different and made to the customers requirement.
Latest homeowner review
good work
Friendly, reliable service. High top LDV van big enough for all jobs House removals House or garden clearances. Small vehicle recovery Single items All general diy and home improvement leads undertaken. Reasonably priced and will match or beat any price quoted within reason. Always on time, and I will never let you down. Public liability insured
Latest homeowner review
Very polite
All plastering undertaken over 20 years experience.
Latest homeowner review
Very neat and tidy work, very flexible and advised us extremely well. Great job.
Since its inception in 2005, we have grown from a small plastering company into a house renovations specialist. My customers liked the way I worked and asked if there was anything else I did so I have grown the company into one that covers all aspects of renovation work and conversions with a strong bias towards attention to detail and a very high finish. We can take care of all aspects of your project be it a simple plastering job right through to a full house refurbishment so you only have to deal with one point of contact, taking away all the stresses of having to deal with multiple trades. I will ensure that everything happens on time and to a schedule, all you have to think about it is the finer details of how you wish your project to look when finished. We have many, many delighted customers who come back to us time and time again for all their needs and we are now at the stage where some of these customers children are buying their first home and asking to help them put their mark on it!! We cover the area around Stratford on Avon and into the north Cotswolds. Get in touch to discuss all your needs and get a quotation.
Latest homeowner review
John has done a professional job from start to finish.Throughout he has been courteous ,punctual and tidy .Part of the work meant access was needed through the house but mess was kept to minimum and clean . I can recommended without hesitation . The room is finished to a high standard , and is better then I imagined .
We are a family run business and have a good knowledge of the roofing trade and our aim is to leave our customers 100% satisfied no job is to big or to small
Latest homeowner review
Mr Kefford responded to my quote request quickly, visited that afternoon. I'd initially asked for a tile replacement, but we discussed other work I thought might need doing and he gave me options, explanations and a realistic view of what actually needed doing, which I appreciated and which influenced my choosing him. He and his worker came early next day, explained the work to be done in detail and updated me regularly. The job was done quickly and fully cleaned up once done. A decent, genuine guy, highly
We are a trusted, professional family roofing company with 35 years experience in roofing. We provide specialist roofing services covering most types of pitched roofing, including repairs and maintenance. Service and quality workmanship being our ethos.
Latest homeowner review
Andrew was nothing but the utmost professional. From his prompt communication, arranging a quote and booking the work in. He attended on time and completed the work advising us at all stages. Nothing was too much trouble and cleaned up after he completed the work. I wouldn't hesitate to recommend & use again. Thank you Andrew
ACCOMPLISHED PLASTERING AND BUILDING SERVICES. SPECIALISING IN BUILDINGS. LOFT CONVERSION. PATTEN CONCRETE. PLASTER RESTORATIONS. CELLAR TANKING.FOR BEAUTIFUL ROOMS. SOVEREIGN APPROVED DAMP PROOFING. EMERGENCE.ROOF.REPAIR. FULL PUBLIC LIABILITY INSURANCE
Latest homeowner review
Clear communication detailed quote and did exactly what was asked,friendly and helpful towards my tenants,would use again and wouldn’t hesitate to recommend.
20 Years experience in all types of building work. Specialise in larger extensions and New build houses. We pride ourselves in our customer service and attention to detail while offering value for money. We have a small team of builders and use other local trades people who we have many years of working on lots of projects with. (Plumbers, electricians etc). We are based in Coventry and Rugby and travel in a 30 mile radius. We can also offer a design service if you need help from the concept stage.
Latest homeowner review
Friendly and professional builders. Work was of a good standard and very clean and tidy. Highly recommend and would definitely use again.
We are a family run business with over 25 years experience in upvc & roofing work. We pride ourselves on the experience we have and a first class job is a must!. We are approved fitters and all our work is carried out to a standard second to none. Fully guaranteed & and carried out to customers satisfaction . We are experienced and qualified in this field and leave no stone unturned until we are satisfied with the job we have done. From a leaking gutter to a full fitting service is available. We also have full public liability insurance. We do not ask for deposits, We do not ask for payment up front, We start a job and we stay till it’s finished with no excuses. So for a first class hassle free job be sure to give us a try! Thank you For taking the time to read our profile and thanks from both myself and the team.
Latest homeowner review
Danny and team were fab. Saved us in our hour of need when rain was leaking through our ceiling. Explained everything in great detail and made me feel very comfortable. Would highly recommend and would use their services again.
Honest, reliable service. Work carried out to the high standard with a Low price tag. Here at cosywarm plumbing and heating we offer over 15 years experience within the industry. we specialise in all plumbing, heating and ventilation requirements. we are credited Baxi And Ideal installers. All landlord and homeowner cp12 and servicing available. Boiler breakdown specialists. We also are bespoke and traditional bathroom and wet room designers and installers. Reliability and customer service is something this company is built around. No job is too small, and we have engineers available 24 hrs a day, 7 days a week. Our rates are a one off and no hidden charges applied at the end. all work is quoted and agreed upon before anything is started. All work is carried out to a very high standard and customer requirements are always considered. Please call on phone number provided for a free no obligation quote.
Latest homeowner review
Hi, I’m Mason, the owner of Zenith Renovations. We’re new to Rated People, but far from new to the industry, with a track record of 5-star reviews on Google and MyBuilder from happy clients across Birmingham and the West Midlands. At Zenith, we specialise in both domestic and commercial refurbishments, including bespoke kitchens, luxury bathrooms, full property renovations, and fit-outs. Our team takes pride in delivering reliable service, precise craftsmanship, and open communication from start to finish. If you’re looking for a renovation partner who blends modern design with hands-on expertise, we’d love to hear about your project.
Latest homeowner review
Family-Run Business Serving Leicestershire and surrounding areas Extensions | Conversions | Renovations and much more Free quotations!
Latest homeowner review
Very friendly and knowledgeable, and got the job done very quickly.
Family run company with 22 years experience in the roofing business. We Pride our self on customer satisfaction and high quality work for competitive pricing. We undertake residential & commercial roofing. We provide free quotations with no obligation at affordable costs with brilliant workmanship . All rubbish will be taking away by us at the end of the work .
Latest homeowner review
EST 2016. Family run business. Warranty of up to 25 years included. Top Tier Roofing is a family-run business dedicated to providing exceptional roofing services with a personal touch. With years of experience in the industry, we pride ourselves on our commitment to quality, reliability, and customer satisfaction. Our skilled team is equipped to handle all types of roofing projects, from repairs to complete installations, ensuring that your home is protected and looking its best. At Top Tier Roofing, we treat every project as if it were our own home, delivering top-notch craftsmanship and attention to detail. Let us help you elevate your roofing experience to the next level!
Latest homeowner review
very quick to respond and do the job. great workmanship, efficient and quick and good value. And gave advice on other work which may be needed in due course. Overall great service
'B Putney and sons Property services is a family run business offering high quality and friendly service to clients on their projects whether large or small. Honest, reliable, clean, and trustworthy, B Putney and sons Property Services takes pride in all of our works, giving a high level of attention to detail on every job we do B Putney and sons Property Services aims to make all projects as efficient and cost effective to our clients as possible, and we consult with clients every step of the way to ensure there are no hidden extras We pride ourselves on the fact that we get a great deal of repeat business from satisfied customers who also pass their recommendations on to others. We are happy to supply references on the quality of our work
Latest homeowner review
Serious and hard working. Since 1998 in EU and from 2010 in UK . "Work smart not hard" .
Latest homeowner review
About us We specialise in interior refurbishment. We have been offering our services for over 11 years and take pride in our high quality work. We offer our services to both commercial and domestic customers throughout the UK. Our services range from partitioning services, suspended ceilings, plasterboard ceilings, joinery, plastering, insulation services, tape & jointing and interior refurbishment.
Latest homeowner review
Petru and his crew were great, he kept me informed of what he was doing and when. The place looks great. He was well in budget and went the extra mile for me. He was consistently friendly and polite. He kept an eye on the project the whole time and was always prompt to reply to any queries I had.
Create a job - it's free
We'll connect you with the right tradespeople, from over 30 different trades.
Get quotes
Up to 3 tradespeople can provide a quote, but on average you'll get 1-2.
Check ratings
Look at each tradesperson's profile to see their ratings and reviews.
Pick a tradesperson
Use our homeowner checklist for extra tips on choosing a tradesperson.
Job done
Leave a rating for your tradesperson based on quality, reliablity and value.