Category: Daily Financial Times

The Institute of Chartered Accountants of Sri Lanka (CA Sri Lanka) yesterday inaugurated its 46th National Conference of Chartered Accountants, a business summit focused on redefining the nation’s economic trajectory by harnessing global insight for local impact.

Held under the theme ‘UPRISE – Global Insight >> Local Impact’, the three-day conference, taking place from 8 to 10 October 2025 at the Monarch Imperial, was ceremonially inaugurated yesterday in the presence of global thought leaders, diplomats, corporate leaders, entrepreneurs, industry pioneers, and top-tier professionals.

The conference dubbed as the biggest annual business summit in the country was officially inaugurated by global business leader Minor International Group CEO and Minor Hotels CEO Dillip Rajakarier, in the presence of CA Sri Lanka President Heshana Kuruppu, Vice President Tishan Subasinghe, National Conference Committee Chairman Chamara Abeyrathne, Technical Committee Chairman Dr. Wasaba Jayasekera, and CEO Lakmali Priyangika.

In his opening address, Kuruppu said this year’s theme is a powerful, intentional call to action. ‘It demands that we, as a nation, rise above current challenges. We must look beyond our shores not to imitate, but to innovate, and to absorb global knowledge and translate it into local action that rebuilds, revitalises, and redefines Sri Lanka.’

‘This is where our profession’s most sacred duty resides’, Mr. Kuruppu explained, citing that Chartered Accountants are the guardians of public trust and the independent arbiters of truth in financial reporting. ‘The numbers we certify are not just ink on paper; they are the foundation upon which investors place their bets on our country’s future. When we sign an audit report, we are not just validating a balance sheet, we are underwriting a piece of Sri Lanka’s credibility,’ he said.

Kuruppu added: ‘Every time we uphold an ethical standard, every time we challenge a questionable practice, every time we insist on transparency, we are not just doing our job, we are fortifying the very pillars of our economy.’

Delivering his speech, Abeyrathne, highlighted the historic turnout emphasising that this year the conference had achieved the highest number of physical delegates in the conference’s history. ‘Over 2,100 of you are here in person, which is a powerful testament to the unwavering spirit of our community. To the more than 500 delegates joining us virtually from across the globe, a very warm welcome. Together, we are a gathering of over 2,600 strong, forming the largest and most vibrant assembly this conference has ever seen.’

Abeyrathne said that the National Conference, a flagship event of CA Sri Lanka, has for over four and a half decades, been a catalytic force in Sri Lanka›s professional landscape. ‘But tonight, we are not just continuing a legacy; we are making history.’

Dr. Jayasekera said: ”UPRISE – Global Insight >> Local Impact’ is more than a theme; it is a matter of national importance. At this critical juncture, with Sri Lanka facing immense challenges that demand courage, vision, and decisive action, Chartered Accountants firmly believe that an uprise is both possible and essential.’

‘This conference is built around that very need: to learn, to lead, and to transform. Chartered Accountants must lead this journey with integrity and expertise. Together, let us activate a national movement to build a resilient, thriving economy, to transform challenges into opportunities, and ensure Sri Lanka not only survives but thrives,’ Dr. Jayasekera added.

The conference features six dynamic sessions designed to inspire, challenge, and empower Sri Lanka’s business and professional communities.

The Colombo stock market yesterday dipped largely due to profit taking amidst healthy turnover.

The benchmark ASPI declined by 0.3% and the active S and P SL20 by 0.4%. Turnover was Rs. 7.3 billion.

Foreign investors remained net sellers, recording a net outflow of Rs. 196.2 million.

First Capital said post hitting the 22,000 milestone on ASPI, marked the first day of profit taking, after 15 consecutive days of gains.

While both retail and HNW participation was high, investors have largely realized gains on the Banking sector counters and conglomerates.

BUKI, SUN, DIAL, COMB and CARS were the top contributors to the index.

Banking sector took the lead in terms of sector wise contributions to turnover, with a share of 21%, followed by the Capital Goods sector and Food retailing sector, which produced a combined contribution of 35%. Food retailing sector’s high turnover was underpinned by the increased HNW participation observed in CARG and CTHR.

NDB Securities said high net worth and institutional investor participation was noted in Cargills, C T Holdings and Commercial Bank. Mixed interest was observed in Lanka Credit and Business Finance, John Keells Holdings and Colombo Dockyard whilst retail interest was noted in Kotagala Plantations, Co-Operative Insurance Company and Hela Apparel Holdings.

The Banking sector was the top contributor to the market turnover (due to Commercial Bank) whilst the sector index lost 0.35%. The share price of Commercial Bank increased by 75 cents to Rs. 197.

The Capital Goods sector was the second highest contributor to the market turnover (due to Colombo Dockyard and John Keells Holdings) whilst the sector index decreased by 0.74%. The share price of Colombo Dockyard recorded a gain of Rs. 4.50 to Rs. 134.

The share price of John Keells Holdings declined by 20 cents to Rs. 21.50.

Cargills and C T Holdings were also included amongst the top turnover contributors. The share price of Cargills closed flat at Rs. 750. The share price of C T Holdings moved down by Rs. 1.50 to Rs. 651.

A Buddhist monk from Rathupaswala, Ven. Theripahala Siridhamma Thero, began a hunger strike in Tangalle yesterday to protest the Government’s decision to withdraw the security detail of former President Mahinda Rajapaksa.

The protest started around 1 p.m. near the D. S. Senanayake statue, opposite Carlton House in Tangalle, according to local reports.

The monk is demanding the reinstatement of security for Rajapaksa and other former presidents, arguing that removing state protection for a former head of state is unacceptable and poses risks to their safety.

Ven. Siridhamma Thero said he will continue the fast until the government reverses the decision and restores full security arrangements.

Taj Samudra, Colombo was honoured to host the national women’s cricket teams of Australia, Bangladesh, and South Africa during their recent visit to Sri Lanka. In a heartfelt display of Sri Lankan hospitality, the teams were welcomed with traditional drummers and garlanding ceremonies, symbolising the warmth and cultural richness of the island nation. A warm welcome ceremony led by the Area Director – Taj Maldives

Five State-Owned Enterprises (SOEs) under the Industries and Enterprise Development Ministry have handed over a total of Rs. 757.4 million in dividends to the Treasury, reflecting improved performance under the new Government.

Futurity Ltd., Sri Lanka’s first AI-native research studio, has announced its strategic partnership with the Institution of Engineers, Sri Lanka (IESL) as the official AI Enablement Partner for Techno 2025.

The collaboration was formalised at a signing ceremony attended by senior representatives from both organisations, including IESL President Elect and Techno 2025 Chairman Eng. Kosala Kamburadeniya, and IESL CEO Eng. Neil Abeysekera, alongside Futurity’s leadership team.

As part of the agreement, Futurity will introduce a revolutionary AI-powered conversational assistant that is set to transform the way visitors experience Techno 2025. This cutting-edge application will allow visitors to navigate the exhibition seamlessly, access detailed information on exhibitors, and receive real-time guidance on event schedules and highlights. The assistant represents a fundamental shift in how exhibitions are organised and experienced, moving beyond static directories and brochures to deliver dynamic, intelligent, and interactive visitor support.

This collaboration underscores IESL’s commitment to positioning Techno 2025 as more than just an exhibition. But as a living demonstration of future-ready technology in action. By embedding AI into the visitor journey, the exhibition aims to set a new standard in engagement, efficiency, and knowledge-sharing within Sri Lanka’s innovation ecosystem.

Alongside Futurity, Invos Global Ltd., will serve as the official Technology Partner, bringing deep expertise in enterprise-scale technology deployment, while Cyaniq Ltd., joins as the Communications Partner, leveraging its strengths in strategy and storytelling to enhance outreach. Together, the three organisations are aligning their complementary strengths to deliver a holistic and future-facing experience for Techno 2025.

‘Techno 2025 is not only about showcasing engineering excellence but also about creating smarter, more connected experiences,’ said Futurity Co-Founder and Director Supun Kaluarachchi. ‘Through effortless intelligence, our AI assistant will ensure every visitor can unlock the full potential of the exhibition.’

‘This partnership reflects IESL’s vision to embrace innovation and highlight the transformative role of AI in shaping Sri Lanka’s future,’ said IESL President Elect and Techno 2025 Chairman Eng. Kosala Kamburadeniya. ‘By working with Futurity and its partners, we are setting a benchmark for what modern exhibitions can achieve.’

Futurity Head of Business Dimitri Abeyratne emphasised that the initiative will act as a proof point for how Sri Lanka can deploy advanced AI technologies in practical, public-facing contexts: ‘This is about taking AI out of research labs and boardrooms and placing it directly in the hands of people, giving them a smarter, more informed, and more enjoyable event experience.’

Techno 2025 is set to welcome thousands of professionals, innovators, students, and industry leaders. With the integration of AI, the event is poised to deliver not only an exhibition of products and ideas but also an immersive journey powered by intelligence and connectivity.

Talks between the Ceylon Electricity Board (CEB) and the Government over the ongoing restructuring process have broken down, prompting electricity trade unions to intensify their month-long work-to-rule campaign.

Union representatives said they have decided to suspend all cooperation with officials from the Ministry of Power, the CEB Director General, and others involved in the restructuring initiative.

‘We will not take part in discussions or participate in any activity connected to the restructuring process. Despite our continued trade union action for more than a month, the Government has neither resolved the issues nor held meaningful talks with us. Our campaign will continue and be further intensified until the authorities respond,’ a union spokesperson told the media.

Electricity sector unions have been protesting against the restructuring of the CEB, claiming the process is being carried out without transparency or consultation with employees.

In the fast-paced journey towards digitisation, many companies overlook a simple truth: customers are human beings, not data points. Artificial Intelligence (AI), chatbots and self-service portals promise efficiency and accuracy in what they deliver. However, these tools often risk stripping away the emotional connection with customers – the very connection that builds loyalty. Therefore, greater emphasis must be placed on ensuring that digitization does not lead to standardisation or robotisation but instead promotes customisation and personalisation. In this process, think of shifting from ‘Tech to Touch’, using technology to capture customers’ attention and strengthen emotional connection. This is the paradox of modern service: the more digital we become, the more human we must be.

Artificial Intelligence versus Human Intelligence

Of course, technology, commonly referred to today as Artificial Intelligence (AI), can replace humans in specific areas, by excelling at repetitive, routine and mundane tasks thus improving efficiency. AI’s main advantages include enhanced productivity through automation, improved decision-making through data analysis, and round-the-clock operational capability. It is well established that AI-based systems are fast, accurate and consistently rational. Yet they are not intuitive, emotional or culturally sensitive, qualities that make humans truly effective.

AI lacks the Emotional Intelligence (EI) and creativity that are inherently human. While AI can recognise and analyse emotions to some extent, it may not have the capability to truly understand the implications or to respond in a meaningful way. AI abilities depend largely on the data it processes. Humans, by contrast, are more capable of imagining, anticipating, feeling and exercising judgment in changing situations – abilities that AI still struggles to emulate.

Human intelligence includes a deep understanding of emotions and behaviour. This allows humans to shift focus from short-term to long-term perspectives. People have the ability to understand and relate to the feelings of others, strengthening relationships and social interactions. In this context it is evident that humans remain superior to AI in areas requiring emotional depth and adaptability. A complete replacement of humans by AI is unlikely in the foreseeable future. The more realistic future involves collaboration between humans and AI, where technology enhances human capability allowing us to work more effectively and harmoniously in serving human interests. This synergy could ultimately drive economic growth and create more job opportunities.

Tech to Touch – Empathy

Empathy is the ability to understand and share another person’s feelings. In customer service, it means recognising the emotional context behind a request. Organisations that consistently train their staff in empathy earn customer trust more quickly. According to PwC research 82% of customers want more human interaction in the future, not less.

Empathy in Action – Personal Experiences

Case Study 1

Recently I visited a bank for my regular banking requirements. I was greeted by a Banking Assistant (BA) near the counter where deposit slips were usually kept. To my surprise there were no slips available. The Banking Assistant explained: ‘As part of our ‘go green’ initiative, the bank has presently eliminated paper slips. You can now scan the displayed QR code to complete your transaction.’

Seeing that I needed help with this new tech-based process, she kindly offered to assist me. She registered my account details on my mobile phone and patiently explained how I could perform future transactions conveniently using the bank’s mobile app.

This young Banking Assistant, perhaps from Gen Z, demonstrated positivity, friendliness, kindness, patience and the ability to get things right the first time. Her proactive help in guiding me through the new QR code left a lasting impression on me and enhanced my perception of the bank. It was a small gesture but created a meaningful and memorable customer experience.

Case Study 2

On another occasion, I ordered a specialised microphone from an authorised seller overseas. The item was to be delivered directly to my nephew who lives in that country, who planned to hand-carry it to Sri Lanka during his holiday. The seller assured delivery within ten working days, and I placed the order 13 days before my nephew’s departure, leaving a few extra days for any unexpected delays.

I received a tracking link from one of the world’s largest courier companies. However, toward the end of the delivery period, the tracking status stopped updating. It showed that the package had arrived in my nephew’s city but was held up due to an extended holiday period. Our only option for contact was a 24-hour ‘Customer Service’ hotline. Unfortunately, every attempt to reach a representative went to voicemail, and no one returned our calls.

As a result, my nephew left the country without the microphone-an item I had planned to use for a keynote speech just days later.

This experience left me questioning: what is the value of advanced technology if it fails to meet a specific customer need? A simple human intervention could have resolved the issue.

The role of the ‘Empathy Agent’

Tech-based solutions should be designed to anticipate customer needs proactively, not just respond to them. Even automated messages can sound warm, specific and human. When a bot cannot resolve an issue, it should seamlessly transfer the customer to a human agent with full context, sparing them from having to repeat information. In emotionally charged situations, empathic human agents – sometimes referred to as ‘Empathy Agents’ – cannot only solve problems but also provide reassurance to customers during difficult moments.

A competitive necessity

In a world where competitors can easily replicate tangible elements-product, price, place, promotion, processes and physical evidence-true and lasting differentiation comes from the human factor. Empathy remains one of the last authentic competitive advantages. Those who master it at scale will make their brands not only efficient but also irreplaceable.

It is a fact that technology, no matter how advanced, can never replicate everything humans create. Art forms such as painting, music, video games, architecture, and fashion-products of human imagination and craftsmanship-will always hold special value. In an AI-saturated world, the worth of human-made creations will only rise. As the saying goes, ‘What is made of glass still has class.’

Similarly, in a rapidly evolving technological market place, people will continue to play a vital role in delivering services with a human touch – something customers deeply appreciate. The fact remains: ‘technology can deliver efficiency, but only humans can over-deliver with empathy.’

The latest Human Rights Council Resolution on Sri Lanka (60/L-1/Rev-1) was adopted without a vote in Geneva on the 6th of October 2025, despite Sri Lanka’s strongly stated rejection of it. What happened there and why was it adopted ‘without a vote’?

At its simplest, it was adopted that way because a call for a vote on the resolution was consciously passed up by Sri Lanka, which could have requested a member state such as China, to call for it.

Immediately after Sri Lanka’s Permanent Representatives at the UN in Geneva, Himali Arunatilleka’s speech rejecting the Resolution, the Chair of the UNHRC asked the Council if anybody would like to call for a vote on the Resolution, since there was clearly a difference of opinion on it, including those of China and Cuba which had disassociated themselves from what was seemingly a consensus on the Resolution earlier.

Despite the rejection of the resolution by Sri Lanka, there was deadly silence in the Council. The Chair then gavelled it through as adopted without a vote, indicating no serious objections by any country to its formal adoption. Clearly, Sri Lanka had not arranged for a friendly member country to call for a vote on its behalf.

This decision not to call for a vote, deliberately taken by Sri Lanka, presumably had some logic. One was articulated on TV the next day by a government representative, who explained that there was nothing the UNHRC could do to us, so we didn’t bother with a vote. Could the government then explain why the Foreign Minister, who didn’t go to some important international summits such as the BRICS and SCO, actually made the effort to fly to Geneva and speak there on this Resolution?

There could be far more credible reasons for this decision than this possible cover-up. The last time Sri Lanka called for a vote on the OSLAP at the UNHRC in 2022, it got 7 votes, and the mechanism of the Accountability Project was actually strengthened and extended through the Resolution it lost.

Was the government worried that it may not gather even that number of votes (which was the lowest thus far) in favour of the country and thereby expose to Sri Lankan citizens, its lack of skills in building global support for its position at international forums?

Or was the Govt not serious about challenging the legitimacy of the Accountability Project and the ‘rejection’ was simply throwing a bone to Sri Lankans anxious back home, an eyewash for public consumption, a show of bravado, which they never meant to follow through?

Slapping the OSLAP

Ambassador/Permanent Representative Himali Karunatilleka’s statement was clear. She said that Sri Lanka had fundamental objections to the Resolution due its reference to the Office of the Sri Lanka Accountability Project (OSLAP) set up within the Office of the High Commissioner for Human Rights (OHCHR), the mandate of which had been extended in 2022 via subsequent Resolutions, and further extended this time in October 2025.

She explained to the Council that the issue was with ‘the external evidence gathering mechanism on Sri Lanka within the OHCHR, which, in our view is an unprecedented and ad hoc expansion of the Council´s mandate.’ She further stated that Foreign Minister Vijitha Herath had ‘reiterated that Sri Lanka does not accept the external evidence gathering mechanism set up by the OHCHR.’

This mechanism set up in 2021 and strengthened and extended in 2022 according to the OHCHR website, and was established ‘to strengthen the capacity of the Office of the UN High Commissioner for Human Rights (OHCHR) ‘to collect, consolidate, analyse and preserve information and evidence and to develop possible strategies for future accountability processes for gross violations of human rights or serious violations of international humanitarian law in Sri Lanka, to advocate for victims and survivors, and to support relevant judicial and other proceedings, including in Member States, with competent jurisdiction”.

This alludes to Universal Jurisdiction, which means that unlike in the case of the International Criminal Court, one’s country (in this case, Sri Lanka) doesn’t have to have signed up to the Rome Statute to be prosecuted for such crimes in another country which decides to take up the case for prosecution in their own jurisdiction.

What could be done?

Since the current government objects to this prospect, what options were available in order to achieve a favourable outcome for Sri Lanka? It had an entire year to think about this and to exercise at least one option freely available to it, since this mechanism already existed for a few years.

Since Sri Lanka declared that the new mechanism was an ‘unprecedented and ad hoc expansion of the Council´s mandate’, setting out a generic criticism of the Office of the High Commissioner for exceeding the mandate, it would have been the logical thing to do to as a member of the United Nations, to convince as many members of the Council as possible of the dangers of such a precedence and the implications of it for all countries, and to convince them to oppose it for their collective benefit and of the UN system.

Since our diplomats are stationed in Geneva permanently, did the government instruct them to pursue this option? These efforts take time. Or did the government, including the Foreign Minister, simply pay lip service to these objections only at the very last session?

Did the Foreign Minister take this up with member countries of the Council when he visited Geneva in September? Did he take it up with his counterparts in other countries when he attended the High-Level Segment of the Human Rights Council in February/March 2025, with Ministers, Heads of State and other High Officials attending the sessions? Did Sri Lanka make a concerted effort to remove what they find so objectionable, from being further extended? Or were Foreign Minister Herath and the government unaware that this was a course of action available to them?

What does it say about the efficacy of their diplomacy as they opted to watch helplessly, unable to gather a minimum number of states to support them in their objections and rejection?

What really happened?

The truth may be more complex than it appears. China and Cuba, both influential at the Council and at the UN in general, also objected to this mechanism and disassociated themselves from the resolution on Sri Lanka. Why did the Sri Lankan government not use the leverage of these friendly states to garner support from other members of the Council?

Sri Lanka did not articulate any objections to or rejection of any other item in the Resolution. It had largely undertaken to do many of the things in the previous resolutions: Repeal the Prevention of Terrorism Act and appoint a committee to examine its repeal; amend the Online Safety Act, the reopening of investigations into some cases of human rights violations and the Easter Sunday bombings; to establish an independent public prosecutorial body, among other things.

In promising the Independent Public Prosecutor’s Office, they went much further than any other government to date, with the public yet unaware as to its contours, much like the (at least) 7 agreements signed with India by the Govt.

Therefore, the Govt had a good hand to play with, in any negotiations. Even after the Resolution was presented for consultations at these sessions (which is a mandated step in the process), was the Sri Lankan delegation unable to gather support for a debate at least on the one item (OSLAP) that they objected to? Obviously, the consultations with other states went cordially, as our Ambassador thanked them for their cooperation, positive suggestions and even amendments.

On behalf of Sri Lanka, our Ambassador questioned the ‘credibility, transparency of how this office was set up, its work and the budget.’ She said after 4 years, there had been no benefit to the people of Sri Lanka. She said it only served ‘those with vested interests’ and would ‘create division within the communities in Sri Lanka and will be counter-productive.’ She said nationally owned processes were best suited to ‘address matters related to human rights’.

Having said all this and on that basis rejected the Resolution, why not have a member state which had already objected to this mechanism (China, Cuba), call for a vote on this ‘counter-productive’ item on our behalf?

Inept at the international

The impression this course of action has left on the populace about this administration is one of incompetence and ineptness in dealing with the international community, inability to build a like-minded group of friends at UN forums, to gather their support to fight against one’s legitimate grievances in the international system. A TV station usually very supportive of this government, showed a member of their panel of journalists ask the government representative why they couldn’t secure a single vote for Sri Lanka.

This failure to negotiate their own preferred outcome for Sri Lanka, was predictable when this government decided not to attend the BRICS and SCO summits where they could have made or renewed contacts with the leaders of the emerging powers of the global South and lobbied their support in times of need. They are many, and wield great influence as a bloc and as individual member states at the United Nations.

It was also sadly predictable when Sri Lanka deviated from its traditional stance of standing up for others in their need, their visible, irrefutable and dire need such as in the case of Palestine, opting for vague and utterly bland language to call for peace at the UN General Assembly in reference to the raging war on Gaza, with many other leaders calling it a genocide. Sri Lanka showed itself to be playing safe and selfish, a bit player, in contrast to the time when it punched way above their weight, assuring support for itself in its own time of need.

Sri Lanka under a public private sector initiative last month wooed Japanese investor interest at a forum in Tokyo. Sri Lanka’s effort was led by President Anura Kumara Disanayake and spearheaded by a big delegation led by Sri Lanka Japan Business Council under the aegis of the Ceylon Chamber of Commerce. The forum was a key point of Disanayake’s State visit to Japan which included presiding over Sri Lanka Day at Expo 2025 in Osaka.

The forum was organised by the JETRO, Ministry of Economy, Trade and Industry (METI), Sri Lanka Embassy in Japan, the Japan-Sri Lanka Business Cooperation Committee, and the Board of Investment (BOI). It was supported by the Japan International Cooperation Agency (JICA).

President Disanayake and Japanese Economy, Trade and Industry State Minister Dr. Ogushi Masaki spoke of the potential to enhance bilateral economic ties. Others who spoke were JETRO Chairman and CEO Ishiguro Norihiko, Japan-Sri Lanka Business Cooperation Committee Chairman Kobayashi Fumihiko, President’s Chief Adviser on Digital Economy Dr. Hans Wijayasuriya, METI Director for Southwest Asia Region – Trade Policy Bureau Shimano Toshiyuki, Ito Spring Co., CEO Kawashima Miwako, Tos Lanka Factory Manager Tanaka Nobuyuki, BOI Assistant Director – Desk Officer for Japan Arunya De Silva and The Ceylon Chamber of Commerce (CCC) Chairperson Krishan Balendra. The private sector delegation comprised SLJBC Vice President and Spear International Ltd., Chairman and Managing Director Shamil Mendis; SLJBC Treasurer and MendisOne Chairman Rohitha Mendis; SLJBC Immediate Past President and Andrew the Travel Company Managing Director Mahen Kariyawasan; BOV Capital Managing Partner Prajeeth Balasubramaniam; Celestia International CEO Chandana Silva; Connaissance De Ceylan CEO Chamin Wickramasinghe; EW Information Systems Chairman Sanjeewa Wickramanayake; Hayleys PLC Director Sarath Ganegoda; hSenid Group Chairman Dinesh Saparamadu; Lanka Harness Executive President Rohan Pallewatta; MAC Holdings Managing Director Andre Fernando; MendisOne Managing Director Rishantha Mendis; Microsoft Sri Lanka and Maldives Country Manager Harsha Randeny; Tomo Wold Ceylon Chairman Nishantha Perera; Transfood Lanka Director Sajahan Pasie, NCINGA Group Managing Director Vajira Wijesinghe, and The CCC Assistant Secretary General Dinithi Dias.

Apart from being one of the leading development partners for Sri Lanka and top investors, Japan is Sri Lanka’s 15th largest export market at $ 170 million and Sri Lanka’s 16th biggest source for imports at $ 250 million as per 2024 data. Japan is also the 16th biggest source market for tourists at 25,000 in the first eight months of 2025