136:@0.049227:0.056159:0.070397:0.056159:0.070397:0.047246:0.049227:0.047246:0.006720:0.006720:0.007728
Financial statements:@0.744792:0.058552:0.904051:0.058552:0.904051:0.047968:0.744792:0.047968:0.008491:0.004533:0.009832:0.008587:0.009656:0.007885:0.004533:0.008587:0.004772:0.005714:0.007390:0.006560:0.008986:0.006560:0.008986:0.015450:0.008986:0.010167:0.006560:0.007023
Indemnity arrangements for coronavirus:@0.048807:0.102566:0.367019:0.102566:0.367019:0.091424:0.048807:0.091424:0.005124:0.009913:0.010400:0.008753:0.015205:0.010165:0.004452:0.006536:0.008837:0.005292:0.009039:0.006502:0.006687:0.008854:0.010165:0.010400:0.009089:0.015390:0.009089:0.010165:0.006536:0.007392:0.005192:0.006435:0.009946:0.006687:0.004637:0.008065:0.010013:0.006687:0.010030:0.010165:0.008737:0.008905:0.004772:0.006687:0.009879:0.007392
The coronavirus pandemic has had a significant :@0.047967:0.124356:0.390219:0.124356:0.390219:0.113771:0.047967:0.113771:0.008364:0.008858:0.008348:0.005938:0.007374:0.009098:0.005554:0.009146:0.009034:0.008124:0.007454:0.003863:0.005379:0.009034:0.006592:0.006049:0.009385:0.008124:0.009034:0.009401:0.008076:0.013742:0.003863:0.007374:0.005602:0.008651:0.007725:0.006560:0.006049:0.008491:0.007645:0.008906:0.006464:0.006799:0.006049:0.006767:0.003863:0.009401:0.009034:0.003863:0.004996:0.003863:0.007374:0.008124:0.009034:0.005411:0.004373
impact on the NHS over the last two years, which :@0.048807:0.139797:0.404435:0.139797:0.404435:0.129212:0.048807:0.129212:0.003863:0.013742:0.009194:0.008124:0.007374:0.005411:0.005139:0.008571:0.008316:0.006049:0.005411:0.009034:0.008156:0.006049:0.010997:0.010502:0.007901:0.005714:0.009066:0.007470:0.008348:0.005347:0.004788:0.005411:0.009034:0.008156:0.006464:0.003863:0.007566:0.006384:0.005123:0.005299:0.005411:0.012226:0.009752:0.004868:0.007725:0.008348:0.008124:0.005554:0.006767:0.003464:0.005554:0.011540:0.009385:0.003863:0.007566:0.009241:0.004373
has the potential to affect the value of the liabilities :@0.048807:0.155238:0.420140:0.155238:0.420140:0.144654:0.048807:0.144654:0.008651:0.007725:0.006560:0.005299:0.005411:0.009034:0.008156:0.006049:0.009385:0.009098:0.005411:0.008108:0.008826:0.005411:0.003863:0.007773:0.003863:0.005538:0.005411:0.009130:0.005634:0.008124:0.004996:0.005283:0.008348:0.007693:0.005411:0.005347:0.005411:0.009034:0.008156:0.004788:0.007645:0.008316:0.003863:0.009034:0.008348:0.005554:0.009353:0.004756:0.005203:0.005411:0.009034:0.008156:0.006049:0.003863:0.003527:0.007901:0.008986:0.003863:0.003863:0.003623:0.005411:0.003655:0.008060:0.006560:0.004373
covered  by NHS Resolution.  In addition to the two :@0.048387:0.170559:0.409633:0.170559:0.409633:0.159975:0.048387:0.159975:0.007135:0.008986:0.007390:0.007981:0.005554:0.007885:0.009066:0.004373:0.002522:0.008651:0.007055:0.005634:0.011093:0.010502:0.007901:0.006384:0.009321:0.008156:0.006767:0.008938:0.003863:0.008731:0.005411:0.003863:0.008954:0.009034:0.003224:0.004373:0.002857:0.003607:0.007645:0.006049:0.007901:0.009401:0.009002:0.003863:0.005411:0.003671:0.009162:0.009034:0.005922:0.005411:0.009130:0.005203:0.005411:0.009034:0.008156:0.005203:0.005411:0.012067:0.009577:0.004373
new schemes that were established last year (CNSC :@0.048807:0.186238:0.418512:0.186238:0.418512:0.175654:0.048807:0.175654:0.009401:0.008571:0.011843:0.005203:0.006767:0.007182:0.009034:0.008348:0.013455:0.008348:0.006767:0.005044:0.005411:0.009369:0.008316:0.005411:0.004581:0.011923:0.008731:0.005554:0.008810:0.005714:0.008348:0.006528:0.005411:0.007869:0.009385:0.003639:0.003863:0.006464:0.009034:0.008012:0.009401:0.006736:0.003863:0.007566:0.006384:0.005123:0.004373:0.007725:0.008651:0.008316:0.005554:0.005283:0.004820:0.009545:0.011683:0.008475:0.009497:0.004373
and CHS), there are also potential impacts on the :@0.048387:0.201620:0.404382:0.201620:0.404382:0.191036:0.048387:0.191036:0.007805:0.008571:0.008986:0.006464:0.010247:0.011683:0.008651:0.005044:0.003464:0.006113:0.005411:0.009034:0.008156:0.005554:0.008140:0.006049:0.007725:0.005299:0.007901:0.005714:0.007805:0.003863:0.006305:0.008986:0.006049:0.009066:0.009066:0.005411:0.008108:0.008826:0.005411:0.003863:0.007773:0.003863:0.006720:0.003863:0.013439:0.009162:0.008124:0.007087:0.005411:0.006767:0.005459:0.008571:0.008395:0.006049:0.005411:0.008699:0.008060:0.004373
liabilities covered  under the arrangements that were :@0.048807:0.217002:0.424147:0.217002:0.424147:0.206418:0.048807:0.206418:0.003863:0.003863:0.007821:0.008986:0.003863:0.003527:0.003863:0.005123:0.003863:0.007901:0.006560:0.005714:0.007135:0.008986:0.007390:0.007981:0.005554:0.007885:0.009066:0.004373:0.002426:0.009034:0.008779:0.009401:0.008076:0.005554:0.005203:0.005411:0.009034:0.008076:0.005714:0.008124:0.005554:0.005554:0.008124:0.009034:0.009401:0.008555:0.013742:0.008523:0.009034:0.005411:0.006767:0.005331:0.005411:0.009369:0.008316:0.005411:0.004581:0.011763:0.008651:0.005554:0.008731:0.004373
already in  place (i.e. through CNST, CNSGP and :@0.048387:0.232443:0.389075:0.232443:0.389075:0.221859:0.048387:0.221859:0.008124:0.003639:0.005554:0.008140:0.008124:0.009178:0.007725:0.005554:0.003272:0.007645:0.004373:0.002426:0.009162:0.003863:0.007725:0.007135:0.008060:0.005634:0.004820:0.003863:0.003671:0.008348:0.003464:0.006496:0.005411:0.009034:0.005379:0.009162:0.009034:0.009114:0.009034:0.006337:0.009497:0.011428:0.008156:0.007981:0.003272:0.006384:0.010087:0.011939:0.008731:0.010949:0.009130:0.005299:0.007645:0.008491:0.008826:0.004373
LTPS) owing to changes in healthcare provision.:@0.048807:0.247825:0.384404:0.247825:0.384404:0.237241:0.048807:0.237241:0.006799:0.007566:0.007981:0.007645:0.004278:0.005634:0.009353:0.011540:0.003863:0.009034:0.009401:0.006033:0.005411:0.009034:0.005714:0.007374:0.009034:0.007949:0.009034:0.009194:0.008348:0.006767:0.005969:0.003368:0.007901:0.006464:0.009034:0.008348:0.008124:0.003863:0.005235:0.009034:0.007374:0.008124:0.005554:0.008348:0.006001:0.009066:0.005299:0.008986:0.007390:0.003863:0.006384:0.003863:0.008826:0.008731:0.003464
As was the case last year, the estimated effect :@0.047547:0.270038:0.380302:0.270038:0.380302:0.259454:0.047547:0.259454:0.010758:0.007055:0.004788:0.012098:0.008571:0.007135:0.005299:0.005411:0.009034:0.008156:0.005634:0.007135:0.007901:0.006767:0.008012:0.006049:0.003863:0.007645:0.006384:0.005123:0.004788:0.007470:0.007981:0.007805:0.005299:0.003272:0.006049:0.005411:0.009034:0.008156:0.006049:0.008156:0.006767:0.005411:0.003607:0.013519:0.008124:0.005155:0.008156:0.009401:0.006305:0.008348:0.005171:0.004996:0.008348:0.007374:0.005411:0.004373
on the NHS Resolution provision  is fairly limited :@0.048387:0.285419:0.388261:0.285419:0.388261:0.274834:0.048387:0.274834:0.008571:0.008395:0.006049:0.005411:0.009034:0.008076:0.006049:0.011093:0.010502:0.007901:0.006464:0.009321:0.008060:0.006767:0.008938:0.003863:0.008651:0.005411:0.003655:0.009066:0.008826:0.006384:0.009066:0.005299:0.008906:0.007310:0.003863:0.006384:0.003863:0.008731:0.008731:0.004373:0.002426:0.003192:0.005714:0.005203:0.004996:0.008124:0.003863:0.005554:0.003863:0.007725:0.005778:0.003607:0.003863:0.012944:0.003863:0.004964:0.007901:0.008906:0.004373
(£1.3 billion) at this stage because::@0.048387:0.300799:0.294027:0.300799:0.294027:0.290215:0.048387:0.290215:0.004820:0.009289:0.009066:0.003464:0.009225:0.006464:0.009162:0.003863:0.003607:0.003863:0.003527:0.008986:0.008731:0.004613:0.005634:0.008124:0.005235:0.004788:0.005411:0.009034:0.003863:0.006767:0.005171:0.006767:0.005076:0.008124:0.009018:0.008156:0.006464:0.009385:0.007917:0.007374:0.007661:0.008826:0.006767:0.007933:0.003464
•  the success of the vaccination  programme meant that :@0.048807:0.323073:0.460889:0.323073:0.460889:0.312488:0.048807:0.312488:0.006480:0.004373:0.012162:0.005411:0.009034:0.008156:0.006049:0.006767:0.008603:0.007374:0.007071:0.008156:0.006767:0.006512:0.005634:0.009353:0.004756:0.004868:0.005411:0.009034:0.008076:0.005299:0.007645:0.008316:0.007374:0.007374:0.003863:0.009034:0.008124:0.005411:0.003863:0.009353:0.009034:0.004373:0.002506:0.009385:0.005554:0.009082:0.009401:0.005299:0.008124:0.013296:0.013519:0.008156:0.006464:0.013742:0.008348:0.008124:0.008763:0.005411:0.005251:0.005411:0.009034:0.008316:0.005411:0.004373
clinical activity wasn't as severely disrupted  in 2021/22.:@0.072159:0.338455:0.462502:0.338455:0.462502:0.327870:0.072159:0.327870:0.007055:0.003863:0.003863:0.008571:0.003863:0.007055:0.007901:0.003863:0.006384:0.008124:0.007374:0.005411:0.003623:0.007645:0.003863:0.005123:0.007725:0.004373:0.012098:0.008651:0.007230:0.009497:0.003942:0.005714:0.005299:0.007725:0.006384:0.005634:0.006560:0.008060:0.007390:0.008060:0.005379:0.008156:0.003863:0.007390:0.005203:0.009162:0.003863:0.006464:0.005554:0.008731:0.009385:0.005155:0.008348:0.009130:0.004373:0.002426:0.003272:0.007645:0.006049:0.008603:0.008954:0.008826:0.008906:0.006225:0.008986:0.008906:0.003464
•  a  large share of the total  provision  is in  relation :@0.048807:0.360726:0.410468:0.360726:0.410468:0.350141:0.048807:0.350141:0.006480:0.004373:0.012497:0.006895:0.004373:0.002426:0.003863:0.007725:0.005299:0.009066:0.007981:0.005634:0.006767:0.008603:0.007901:0.005379:0.008060:0.006049:0.009353:0.004756:0.004788:0.005411:0.009210:0.008348:0.005267:0.005203:0.009353:0.005187:0.008124:0.003639:0.004373:0.002426:0.008906:0.005203:0.008906:0.007310:0.003863:0.006305:0.003863:0.008731:0.008651:0.004373:0.002426:0.003192:0.005714:0.006049:0.003272:0.007566:0.004373:0.002522:0.005299:0.007981:0.003863:0.007645:0.005123:0.003863:0.008826:0.008651:0.004373
to incidents that occurred  prior to 2020/21.:@0.071739:0.376108:0.381000:0.376108:0.381000:0.365523:0.071739:0.365523:0.005411:0.009130:0.006049:0.003863:0.009034:0.007103:0.003863:0.009162:0.008348:0.008699:0.005411:0.006767:0.005123:0.005411:0.009369:0.008316:0.005411:0.005347:0.009162:0.007374:0.007071:0.008731:0.005379:0.005379:0.008348:0.009034:0.004373:0.002522:0.009066:0.005299:0.003863:0.008731:0.005299:0.005203:0.005411:0.009130:0.005634:0.008603:0.008954:0.008603:0.008954:0.006225:0.008810:0.008826:0.003464
While these claims might still  be affected by :@0.071405:0.391786:0.389875:0.391786:0.389875:0.381202:0.071405:0.381202:0.014908:0.009369:0.003863:0.004038:0.008348:0.005842:0.005411:0.009034:0.008076:0.006767:0.008348:0.005459:0.007374:0.003863:0.007837:0.003863:0.013519:0.006767:0.005586:0.013742:0.003863:0.009401:0.008779:0.005411:0.005171:0.006209:0.004964:0.003527:0.003527:0.003527:0.004373:0.002522:0.008571:0.007566:0.005634:0.008124:0.004996:0.004996:0.008348:0.007374:0.005411:0.008348:0.009401:0.006672:0.008395:0.006975:0.004373
any potential disruption in the reporting and :@0.072161:0.407167:0.392626:0.407167:0.392626:0.396583:0.072161:0.396583:0.008124:0.008842:0.007725:0.005554:0.009066:0.009066:0.005411:0.008108:0.008826:0.005411:0.003863:0.007773:0.003863:0.006384:0.009162:0.003863:0.006384:0.005554:0.008731:0.009385:0.005155:0.003863:0.009162:0.009034:0.006672:0.003272:0.007645:0.006049:0.005411:0.009034:0.008156:0.006464:0.005554:0.007965:0.009066:0.008986:0.005379:0.005411:0.003575:0.008651:0.009066:0.006464:0.007645:0.008491:0.008826:0.004373
settlement of claims, this is not expected:@0.072161:0.422548:0.361566:0.422548:0.361566:0.411963:0.072161:0.411963:0.006767:0.008523:0.005411:0.005411:0.003863:0.008348:0.013934:0.008348:0.009034:0.005411:0.005187:0.009353:0.004756:0.005714:0.007374:0.003863:0.007837:0.003863:0.013742:0.006592:0.003464:0.006033:0.005411:0.008779:0.003863:0.006560:0.006049:0.003192:0.005714:0.006049:0.008731:0.008986:0.005203:0.005714:0.008156:0.007135:0.009066:0.008156:0.007055:0.005411:0.007949:0.009401
to significantly alter the liabilities due.:@0.071741:0.437932:0.339790:0.437932:0.339790:0.427348:0.071741:0.427348:0.005411:0.009130:0.005634:0.006767:0.004070:0.009401:0.009034:0.003863:0.004996:0.003863:0.007374:0.008124:0.009034:0.005411:0.003863:0.007725:0.005187:0.008124:0.003639:0.005411:0.008028:0.005554:0.005203:0.005411:0.009034:0.008076:0.006049:0.003863:0.003607:0.008124:0.008922:0.003863:0.003863:0.003623:0.005411:0.003655:0.008156:0.006767:0.005076:0.009162:0.008731:0.008348:0.003464
•  a  large proportion (approximately 70% for :@0.048807:0.460203:0.380270:0.460203:0.380270:0.449619:0.048807:0.449619:0.006480:0.004373:0.012497:0.006895:0.004373:0.002426:0.003863:0.007725:0.005299:0.009066:0.007981:0.006049:0.009162:0.005379:0.009066:0.009162:0.009066:0.005379:0.005411:0.003655:0.009066:0.008826:0.006464:0.004820:0.008124:0.009385:0.009178:0.005554:0.009353:0.007326:0.003863:0.013742:0.007869:0.005411:0.008348:0.003863:0.007725:0.005060:0.009497:0.009577:0.014445:0.006384:0.004996:0.009353:0.005554:0.004373
2021/22 compared to 68%  in 2020/21) of the :@0.072159:0.475585:0.407245:0.475585:0.407245:0.465001:0.072159:0.465001:0.008603:0.008954:0.008826:0.008906:0.006225:0.008986:0.008826:0.006049:0.007374:0.009178:0.013519:0.009162:0.008124:0.005315:0.008348:0.009130:0.005634:0.005411:0.009130:0.005634:0.009321:0.009497:0.014285:0.004373:0.003272:0.003272:0.007645:0.006384:0.008826:0.008906:0.008826:0.008826:0.006225:0.008890:0.008826:0.004820:0.005682:0.009353:0.005187:0.004788:0.005411:0.008699:0.008060:0.004373
CNST provision  is as a  result of claims arising :@0.072159:0.490967:0.393087:0.490967:0.393087:0.480382:0.072159:0.480382:0.009880:0.011939:0.008475:0.008364:0.005698:0.009066:0.005299:0.008906:0.007310:0.003863:0.006384:0.003863:0.008731:0.008651:0.004373:0.002522:0.003192:0.005714:0.005634:0.007470:0.006209:0.005634:0.006895:0.004373:0.002426:0.005379:0.007981:0.006560:0.008731:0.003863:0.005044:0.005634:0.009353:0.004756:0.005203:0.007374:0.003863:0.007837:0.003863:0.013519:0.006767:0.005586:0.007645:0.005299:0.003863:0.006225:0.003863:0.008491:0.008986:0.004373
from  maternity activity. Although there have been :@0.071739:0.506348:0.430910:0.506348:0.430910:0.495763:0.071739:0.495763:0.004996:0.005554:0.009018:0.013519:0.004373:0.002522:0.013742:0.008124:0.005411:0.008348:0.005554:0.009034:0.003863:0.005411:0.007725:0.005363:0.007725:0.006975:0.005203:0.003863:0.007135:0.003863:0.004964:0.007390:0.003272:0.006049:0.010502:0.003863:0.005411:0.009034:0.009577:0.009034:0.009401:0.009289:0.006049:0.005411:0.009034:0.008156:0.005554:0.008140:0.006464:0.008731:0.007725:0.007390:0.007981:0.006049:0.008826:0.007805:0.007805:0.008571:0.004373
some changes to maternity activities,  overall these :@0.072159:0.521789:0.433788:0.521789:0.433788:0.511204:0.072159:0.511204:0.006767:0.008938:0.013359:0.008060:0.006049:0.007374:0.009034:0.007949:0.009034:0.009194:0.008348:0.006767:0.005219:0.005411:0.009034:0.006049:0.013742:0.008124:0.005602:0.008348:0.005554:0.009034:0.003863:0.005411:0.007725:0.005171:0.008124:0.007374:0.005411:0.003623:0.007645:0.003863:0.005123:0.003863:0.008348:0.006528:0.003464:0.004373:0.002490:0.008906:0.007310:0.008060:0.005299:0.007725:0.003863:0.003527:0.006049:0.005411:0.008779:0.008156:0.006767:0.008012:0.004373
activities have continued during the pandemic :@0.072159:0.537466:0.405218:0.537466:0.405218:0.526882:0.072159:0.526882:0.008124:0.007166:0.005411:0.003863:0.007358:0.003863:0.005203:0.003863:0.008156:0.006767:0.006001:0.008826:0.007901:0.007470:0.008060:0.005634:0.007374:0.009178:0.009034:0.005411:0.003863:0.008826:0.009034:0.008108:0.009401:0.006384:0.009401:0.008571:0.005379:0.003863:0.008731:0.009162:0.005714:0.005411:0.009034:0.008076:0.006464:0.009385:0.007917:0.009034:0.009401:0.008108:0.013742:0.003639:0.007374:0.004373
and we assume that there will  be a similar level of :@0.072159:0.552848:0.432639:0.552848:0.432639:0.542264:0.072159:0.542264:0.007805:0.008651:0.008986:0.005634:0.012178:0.008731:0.006049:0.008124:0.006496:0.006767:0.008858:0.013742:0.008092:0.005203:0.005411:0.009369:0.008316:0.005411:0.005347:0.005411:0.009034:0.008156:0.005554:0.008140:0.004868:0.011540:0.003863:0.003863:0.004086:0.004373:0.002522:0.008571:0.007566:0.005634:0.006895:0.006384:0.006767:0.003655:0.013359:0.003863:0.003863:0.007821:0.005554:0.005953:0.003527:0.007645:0.007055:0.007725:0.003527:0.006384:0.008986:0.004788:0.004373
claims as in  previous years.  The estimated value of :@0.072159:0.568230:0.433373:0.568230:0.433373:0.557646:0.072159:0.557646:0.007374:0.003863:0.007837:0.003863:0.013519:0.006767:0.005155:0.007725:0.006384:0.006049:0.003272:0.007645:0.004373:0.002426:0.009066:0.005299:0.008060:0.007390:0.003863:0.008986:0.008826:0.006767:0.004661:0.007725:0.008156:0.008124:0.005554:0.006560:0.003464:0.004373:0.002410:0.008364:0.008858:0.008348:0.005507:0.008156:0.006767:0.005411:0.003607:0.013519:0.008124:0.005155:0.008156:0.009401:0.005475:0.007645:0.008316:0.003863:0.009034:0.008348:0.005554:0.008906:0.004788:0.004373
IBNR PPO claims, which mainly relate to maternity, :@0.072579:0.583611:0.434224:0.583611:0.434224:0.573026:0.072579:0.573026:0.003942:0.008395:0.011093:0.008826:0.006464:0.008060:0.008060:0.010838:0.005714:0.007374:0.003863:0.007837:0.003863:0.013742:0.006592:0.003464:0.005698:0.011843:0.009401:0.004038:0.007645:0.009401:0.006384:0.013742:0.007933:0.003863:0.009034:0.003863:0.007725:0.005507:0.005299:0.008060:0.003863:0.007821:0.005203:0.008060:0.005203:0.005411:0.009130:0.006049:0.013519:0.007901:0.005411:0.008028:0.005379:0.008826:0.003863:0.005123:0.007725:0.003192:0.004373
for incidents in 2020/21  is around  £9 billion and :@0.071739:0.598993:0.419705:0.598993:0.419705:0.588408:0.071739:0.588408:0.004996:0.009545:0.005554:0.006129:0.003863:0.009034:0.007103:0.003863:0.009162:0.008348:0.008795:0.005411:0.006767:0.005890:0.003272:0.007566:0.006464:0.008316:0.008395:0.008395:0.008603:0.005938:0.008395:0.008395:0.004373:0.004868:0.003192:0.005714:0.005634:0.008124:0.005315:0.009066:0.008826:0.008731:0.009162:0.004373:0.002426:0.008603:0.008364:0.006464:0.008906:0.003607:0.003607:0.003607:0.003607:0.008826:0.008571:0.006384:0.007645:0.008491:0.008906:0.004373
for incidents in 2021/22  is around  £11  billion.:@0.071739:0.614375:0.397376:0.614375:0.397376:0.603790:0.071739:0.603790:0.004996:0.009545:0.005554:0.006129:0.003863:0.009034:0.007103:0.003863:0.009162:0.008348:0.008795:0.005411:0.006767:0.005890:0.003272:0.007566:0.006464:0.008603:0.008954:0.008603:0.008954:0.006225:0.008810:0.008603:0.004373:0.002570:0.003192:0.005714:0.005634:0.008124:0.005315:0.009066:0.008826:0.008731:0.009162:0.004373:0.002426:0.007725:0.007901:0.007805:0.004373:0.004868:0.009066:0.003863:0.003527:0.003863:0.003527:0.008906:0.008731:0.003464
While a small  number of claims related to Covid-19 :@0.047547:0.636649:0.418481:0.636649:0.418481:0.626065:0.047547:0.626065:0.015115:0.009241:0.003863:0.004038:0.008348:0.006193:0.006895:0.006049:0.006464:0.013024:0.007805:0.003863:0.003527:0.004373:0.002426:0.009034:0.009034:0.013742:0.009098:0.008348:0.005554:0.005251:0.009353:0.004756:0.005714:0.007135:0.003863:0.007821:0.003863:0.013359:0.006767:0.005922:0.005379:0.007981:0.003863:0.007645:0.005203:0.008060:0.009066:0.006049:0.005411:0.009130:0.005203:0.009880:0.009353:0.007645:0.003863:0.009401:0.006384:0.008603:0.008603:0.004373
have been  received, it will take several years for the :@0.048807:0.652031:0.418895:0.652031:0.418895:0.641447:0.048807:0.641447:0.008826:0.007901:0.007470:0.008060:0.006049:0.008986:0.007901:0.007901:0.008651:0.004373:0.002522:0.005379:0.008156:0.007374:0.008076:0.003863:0.007390:0.008156:0.009162:0.003464:0.006704:0.003368:0.004709:0.004868:0.011348:0.003863:0.003863:0.003863:0.006049:0.005411:0.008124:0.008220:0.008348:0.005842:0.006767:0.007853:0.007310:0.007981:0.005299:0.007805:0.003863:0.005538:0.007725:0.008348:0.007949:0.005554:0.006767:0.005155:0.004996:0.009545:0.005554:0.004948:0.005411:0.009034:0.008076:0.004373
impacts of Covid-19 to fully materialise, due to the :@0.048807:0.667710:0.415224:0.667710:0.415224:0.657126:0.048807:0.657126:0.003863:0.013439:0.009162:0.008124:0.007087:0.005411:0.006512:0.005634:0.009353:0.004756:0.005714:0.009880:0.009353:0.007645:0.003863:0.009577:0.006384:0.008603:0.008779:0.005634:0.005123:0.008986:0.005203:0.004996:0.009034:0.004118:0.003863:0.007901:0.005634:0.013742:0.007933:0.005411:0.008348:0.005554:0.003863:0.008124:0.003863:0.003863:0.006592:0.008348:0.003464:0.006337:0.009066:0.008731:0.008060:0.005203:0.005411:0.009130:0.005203:0.005411:0.008699:0.008060:0.004373
time lags between  incidents, claims and  ultimately :@0.047967:0.683091:0.411256:0.683091:0.411256:0.672506:0.047967:0.672506:0.005411:0.003863:0.013742:0.008060:0.006049:0.003863:0.007645:0.008986:0.006464:0.005714:0.009385:0.008348:0.005411:0.011540:0.008348:0.008348:0.009034:0.004373:0.002506:0.003863:0.009034:0.007374:0.003863:0.009210:0.008348:0.009034:0.005219:0.006767:0.003464:0.006400:0.007374:0.003623:0.007901:0.003863:0.013359:0.006767:0.005491:0.007805:0.008651:0.008986:0.004373:0.002426:0.009034:0.003863:0.005411:0.003623:0.013742:0.007853:0.005411:0.008348:0.003623:0.007725:0.004373
their settlement. As a result, there is limited experience :@0.047967:0.698471:0.443609:0.698471:0.443609:0.687887:0.047967:0.687887:0.005411:0.009034:0.008348:0.003863:0.005554:0.005682:0.006767:0.008348:0.005219:0.005411:0.003863:0.008348:0.013742:0.008348:0.009034:0.005411:0.003464:0.005969:0.010662:0.007055:0.005634:0.006895:0.006464:0.005379:0.008156:0.006767:0.008779:0.003863:0.005203:0.003464:0.005938:0.005411:0.009034:0.008156:0.005554:0.008140:0.006049:0.003368:0.005874:0.005714:0.003863:0.003607:0.013280:0.003863:0.005044:0.007981:0.009066:0.006049:0.008348:0.007326:0.009114:0.008348:0.005554:0.003655:0.008348:0.009034:0.007071:0.008348:0.004373
from which to quantify the impacts of Covid-19 on the :@0.047967:0.713852:0.445077:0.713852:0.445077:0.703268:0.047967:0.703268:0.004996:0.005554:0.009018:0.013519:0.005634:0.011763:0.009321:0.003863:0.007645:0.009321:0.006049:0.005411:0.009130:0.005203:0.009401:0.009241:0.008316:0.009241:0.005411:0.003863:0.005171:0.007725:0.004964:0.005411:0.009034:0.008156:0.006049:0.003863:0.013439:0.009162:0.008124:0.007087:0.005411:0.006512:0.005634:0.009353:0.004756:0.005714:0.009880:0.009609:0.007645:0.004118:0.009577:0.006384:0.008826:0.008060:0.006049:0.008571:0.008316:0.005714:0.005411:0.009034:0.008076:0.004373
provisions and our estimates are subject to uncertainty.:@0.048807:0.729293:0.438607:0.729293:0.438607:0.718709:0.048807:0.718709:0.009162:0.005554:0.008986:0.007390:0.003863:0.006384:0.003863:0.008826:0.008731:0.006560:0.005714:0.007805:0.008571:0.008986:0.006464:0.009162:0.008826:0.005379:0.005299:0.008348:0.006767:0.005219:0.003863:0.013742:0.008124:0.005411:0.008348:0.006767:0.005570:0.007725:0.005299:0.007901:0.005714:0.006767:0.008858:0.009385:0.003863:0.008092:0.007374:0.005219:0.005203:0.005123:0.008986:0.006049:0.009034:0.008603:0.007374:0.007996:0.005379:0.005411:0.007773:0.003863:0.008731:0.005203:0.007725:0.003464
We have therefore applied a similar approach to :@0.047547:0.744679:0.395497:0.744679:0.395497:0.734094:0.047547:0.734094:0.015291:0.008571:0.006049:0.008826:0.007901:0.007470:0.008060:0.005203:0.005411:0.009034:0.008348:0.005554:0.008348:0.004996:0.009353:0.005554:0.008348:0.005618:0.007805:0.009066:0.009162:0.003863:0.003863:0.007901:0.009162:0.006464:0.006799:0.006049:0.006767:0.003863:0.013487:0.003863:0.003863:0.007901:0.005554:0.005108:0.008124:0.009098:0.009385:0.005315:0.009162:0.008124:0.007374:0.008779:0.006049:0.005044:0.008651:0.004373
2020/21, where we have separately considered::@0.048387:0.760356:0.388197:0.760356:0.388197:0.749772:0.048387:0.749772:0.008826:0.008986:0.008906:0.008986:0.006464:0.008906:0.008986:0.003464:0.005858:0.011763:0.009321:0.008571:0.005554:0.008731:0.005203:0.012178:0.008826:0.006464:0.008731:0.007725:0.007390:0.007981:0.006049:0.006767:0.008348:0.009385:0.007837:0.005554:0.008124:0.005139:0.008348:0.003863:0.007725:0.005092:0.007374:0.009098:0.009034:0.006512:0.003863:0.009162:0.008156:0.005554:0.008140:0.009401:0.003464
•  The direct impacts that might arise from new activities :@0.048807:0.782332:0.458479:0.782332:0.458479:0.771747:0.048807:0.771747:0.006480:0.004373:0.007294:0.008364:0.008779:0.008348:0.005938:0.009401:0.003623:0.005554:0.008060:0.007374:0.005139:0.005634:0.003863:0.013439:0.009162:0.008124:0.007087:0.005411:0.006512:0.005299:0.005411:0.009369:0.008316:0.005411:0.006177:0.013519:0.003863:0.009162:0.008826:0.005411:0.005171:0.007901:0.005379:0.003863:0.006305:0.007981:0.005634:0.004996:0.005554:0.009018:0.013519:0.006464:0.009401:0.008571:0.011843:0.005203:0.008124:0.007166:0.005411:0.003863:0.007358:0.003863:0.005203:0.003863:0.008156:0.006767:0.004373
related to responding to the pandemic -  for example :@0.067707:0.798010:0.448760:0.798010:0.448760:0.787426:0.067707:0.787426:0.005379:0.007981:0.003863:0.007645:0.005203:0.008060:0.009066:0.006049:0.005411:0.009130:0.005634:0.005554:0.008140:0.006767:0.009018:0.009066:0.008826:0.009066:0.003863:0.008731:0.009162:0.005634:0.005411:0.009130:0.005299:0.005411:0.009034:0.008076:0.006464:0.009385:0.008124:0.009034:0.009162:0.008348:0.013742:0.003863:0.007374:0.004373:0.006384:0.002458:0.004373:0.004996:0.009609:0.005554:0.005698:0.008348:0.007326:0.007757:0.013519:0.009385:0.003639:0.008156:0.004373
in relation to testing, diagnosis, treating and caring :@0.067707:0.813391:0.435002:0.813391:0.435002:0.802807:0.067707:0.802807:0.003368:0.007981:0.006464:0.005299:0.008060:0.003863:0.007821:0.005203:0.003863:0.009082:0.008826:0.005634:0.005411:0.009130:0.005203:0.005411:0.008348:0.006767:0.005411:0.003863:0.009034:0.009401:0.003464:0.006767:0.009401:0.003863:0.007901:0.009162:0.009034:0.009034:0.006767:0.003863:0.006592:0.003464:0.005938:0.005411:0.005347:0.008348:0.007949:0.005411:0.003863:0.008795:0.009401:0.006384:0.007805:0.008571:0.008986:0.006464:0.007135:0.007725:0.005299:0.003863:0.008491:0.008986:0.004373
for Covid-19 patients and administering vaccines.:@0.066951:0.828772:0.418620:0.828772:0.418620:0.818187:0.066951:0.818187:0.004996:0.009545:0.005554:0.005698:0.009880:0.009353:0.007645:0.003863:0.009577:0.006384:0.008603:0.008779:0.006464:0.009385:0.007837:0.005411:0.003863:0.008108:0.009034:0.005411:0.006560:0.005299:0.007805:0.008571:0.008986:0.006464:0.008124:0.009401:0.013471:0.003863:0.009034:0.003863:0.006592:0.005411:0.008348:0.005315:0.003863:0.009034:0.009401:0.005092:0.007645:0.008124:0.007166:0.007374:0.003863:0.009034:0.008348:0.006767:0.003464
•  The direct impacts on core (non-Covid-19) NHS :@0.489499:0.102144:0.848303:0.102144:0.848303:0.091560:0.489499:0.091560:0.006480:0.004373:0.007294:0.008364:0.008858:0.008348:0.005507:0.009162:0.003863:0.005379:0.008156:0.007374:0.005139:0.006049:0.003863:0.013439:0.009162:0.008124:0.007087:0.005411:0.006767:0.005459:0.008571:0.008395:0.006384:0.006975:0.008906:0.005299:0.007901:0.006049:0.004820:0.009210:0.009353:0.009034:0.006384:0.009880:0.009353:0.007645:0.003863:0.009401:0.006384:0.008603:0.008603:0.004820:0.005969:0.010917:0.010327:0.007725:0.004373
activity and  hence the claims that might normally :@0.508063:0.117229:0.863243:0.117229:0.863243:0.106644:0.508063:0.106644:0.008124:0.007374:0.005411:0.003623:0.007645:0.003863:0.005123:0.007725:0.005123:0.007805:0.008651:0.008986:0.004373:0.002426:0.008826:0.008156:0.008826:0.007374:0.007996:0.005634:0.005411:0.009034:0.008156:0.005634:0.007374:0.003863:0.007837:0.003863:0.013519:0.006767:0.005155:0.005411:0.009369:0.008316:0.005411:0.005762:0.013742:0.003639:0.009401:0.008667:0.005411:0.005938:0.009034:0.009034:0.005554:0.013423:0.007901:0.003863:0.003863:0.007390:0.004373
arise -  for example in  relation to lower clinical :@0.508063:0.132314:0.838791:0.132314:0.838791:0.121729:0.508063:0.121729:0.007901:0.005379:0.003863:0.006305:0.007981:0.004868:0.006384:0.002522:0.004788:0.004996:0.009545:0.005554:0.005363:0.008348:0.007326:0.008124:0.013742:0.009162:0.003863:0.008348:0.005938:0.003272:0.007645:0.004373:0.002522:0.005379:0.007981:0.003863:0.007645:0.005203:0.003863:0.008906:0.008731:0.006049:0.005411:0.009130:0.006049:0.003863:0.009353:0.011540:0.008348:0.005554:0.005698:0.007135:0.003863:0.003527:0.008651:0.003863:0.006975:0.007805:0.003863:0.004373
activity or the risks of delayed treatment.:@0.508063:0.147399:0.797245:0.147399:0.797245:0.136814:0.508063:0.136814:0.008124:0.007374:0.005411:0.003623:0.007645:0.003863:0.005123:0.007725:0.005123:0.008826:0.005299:0.005299:0.005411:0.009034:0.008076:0.006049:0.005299:0.003863:0.006305:0.007566:0.006464:0.005634:0.009353:0.004756:0.005634:0.008986:0.008060:0.003863:0.007725:0.007470:0.008060:0.009066:0.006049:0.005411:0.005554:0.008523:0.008124:0.005411:0.013742:0.008348:0.009034:0.005411:0.003464
•  The indirect impacts across all other factors :@0.489499:0.169135:0.824170:0.169135:0.824170:0.158551:0.489499:0.158551:0.006480:0.004373:0.012162:0.008364:0.008779:0.008348:0.005938:0.003863:0.008651:0.009162:0.003863:0.005379:0.008348:0.007103:0.005411:0.005938:0.003863:0.013439:0.009162:0.008124:0.007087:0.005411:0.006512:0.005634:0.007901:0.007135:0.005379:0.009162:0.006560:0.006767:0.005491:0.007230:0.003448:0.003448:0.006464:0.009353:0.005411:0.008842:0.008348:0.005554:0.004836:0.004996:0.008124:0.007374:0.005411:0.009353:0.005554:0.006767:0.004373
that might influence claim costs -  for example :@0.512517:0.184220:0.845943:0.184220:0.845943:0.173636:0.512517:0.173636:0.005411:0.009369:0.008316:0.005411:0.005762:0.013742:0.003639:0.009401:0.008667:0.005411:0.005938:0.003863:0.009034:0.004996:0.003863:0.009034:0.008348:0.008826:0.007374:0.008348:0.005618:0.007135:0.003863:0.007725:0.003863:0.013280:0.006464:0.007055:0.008986:0.006560:0.005123:0.006560:0.004868:0.006384:0.002442:0.004868:0.004996:0.009545:0.005554:0.005283:0.008348:0.007326:0.007757:0.013519:0.009385:0.003639:0.008156:0.004373
in  relation to lags between  incidents, claims :@0.513273:0.199365:0.828136:0.199365:0.828136:0.188780:0.513273:0.188780:0.003272:0.007645:0.004373:0.002522:0.005379:0.007981:0.003863:0.007645:0.005203:0.003863:0.008906:0.008731:0.006049:0.005411:0.009130:0.005634:0.003863:0.007645:0.008986:0.006560:0.005634:0.009385:0.008348:0.005411:0.011540:0.008348:0.008348:0.009034:0.004373:0.002506:0.003863:0.009034:0.007374:0.003863:0.009210:0.008348:0.009034:0.005219:0.006767:0.003464:0.006400:0.007374:0.003543:0.007805:0.003863:0.013184:0.006560:0.004373
and settlement or the economic impact.:@0.512937:0.214448:0.797027:0.214448:0.797027:0.203864:0.512937:0.203864:0.007805:0.008571:0.008986:0.006049:0.006767:0.008523:0.005411:0.005411:0.003863:0.008348:0.013934:0.008348:0.009034:0.005411:0.005187:0.009066:0.005554:0.004772:0.005411:0.009034:0.008076:0.006049:0.008348:0.007198:0.009353:0.009034:0.009353:0.013742:0.003863:0.007374:0.005586:0.003863:0.013519:0.009162:0.008124:0.007087:0.005411:0.003464
Early Notification:@0.490339:0.243782:0.679640:0.243782:0.679640:0.228184:0.490339:0.228184:0.012255:0.012443:0.009150:0.006680:0.012302:0.008068:0.017900:0.013784:0.008821:0.006468:0.008656:0.006468:0.010843:0.012184:0.008821:0.006374:0.013854:0.014231
The majority (approximately 70%) of the CNST :@0.488726:0.264337:0.826956:0.264337:0.826956:0.253752:0.488726:0.253752:0.008364:0.008779:0.008348:0.005938:0.013742:0.007853:0.003863:0.009353:0.005347:0.003863:0.005203:0.007725:0.005123:0.004820:0.008124:0.009385:0.009178:0.005554:0.009353:0.007326:0.003863:0.013742:0.007869:0.005411:0.008348:0.003863:0.007725:0.005155:0.009497:0.009656:0.014540:0.005379:0.006049:0.009353:0.004756:0.004868:0.005411:0.009034:0.008156:0.006049:0.009656:0.011683:0.008475:0.008076:0.004373
provision  is as a result of claims arising from :@0.489483:0.279481:0.805160:0.279481:0.805160:0.268897:0.489483:0.268897:0.008906:0.005203:0.008906:0.007310:0.003863:0.006305:0.003863:0.008731:0.008651:0.004373:0.002426:0.003192:0.005714:0.005634:0.007725:0.006384:0.005634:0.006895:0.006464:0.005379:0.008060:0.006767:0.008683:0.003863:0.005123:0.005203:0.009353:0.005187:0.005203:0.007374:0.003863:0.007837:0.003863:0.013519:0.006767:0.005155:0.007805:0.005299:0.003863:0.006464:0.003863:0.008731:0.009162:0.006049:0.004788:0.005554:0.008986:0.013359:0.004373
maternity activities -  such as brain damaged :@0.489483:0.294625:0.808112:0.294625:0.808112:0.284041:0.489483:0.284041:0.013742:0.008124:0.005602:0.008348:0.005554:0.009034:0.003863:0.005411:0.007725:0.005171:0.008124:0.007166:0.005411:0.003863:0.007358:0.003863:0.005203:0.003863:0.008156:0.006767:0.004740:0.006384:0.002522:0.004788:0.006560:0.008651:0.007135:0.008731:0.006464:0.007725:0.006384:0.006049:0.008906:0.005299:0.007725:0.003863:0.008491:0.006049:0.009401:0.007821:0.013439:0.008124:0.009098:0.008156:0.009401:0.004373
babies at birth following  negligent care.:@0.489483:0.309770:0.771849:0.309770:0.771849:0.299185:0.489483:0.299185:0.009162:0.007805:0.009066:0.003863:0.007901:0.006560:0.005634:0.008124:0.005235:0.005634:0.008986:0.003607:0.005203:0.005044:0.008571:0.006049:0.004996:0.009545:0.003863:0.003863:0.009353:0.011540:0.003863:0.009273:0.009401:0.004373:0.002522:0.009034:0.008348:0.009162:0.003863:0.003863:0.009401:0.008156:0.009034:0.005411:0.005123:0.007135:0.007805:0.005379:0.008156:0.003464
Under the  Early Notification (EN) Scheme, trusts :@0.489499:0.331625:0.832613:0.331625:0.832613:0.321041:0.489499:0.321041:0.010965:0.008779:0.009401:0.008156:0.005554:0.004772:0.005411:0.009034:0.008076:0.004373:0.002522:0.007645:0.007805:0.005299:0.003863:0.007230:0.005634:0.011683:0.009162:0.005411:0.003863:0.004756:0.003863:0.007135:0.008124:0.005155:0.003863:0.009162:0.009034:0.006337:0.004533:0.007566:0.011253:0.004453:0.005634:0.008475:0.007374:0.009034:0.008348:0.013742:0.008348:0.003464:0.006145:0.005203:0.005554:0.008810:0.006767:0.005411:0.006560:0.004373
are required to report qualifying cases that meet :@0.489079:0.346710:0.837540:0.346710:0.837540:0.336125:0.489079:0.336125:0.007805:0.005299:0.007901:0.006049:0.005379:0.007981:0.009066:0.008731:0.003863:0.005203:0.007981:0.009066:0.005634:0.005411:0.009130:0.006049:0.005554:0.007965:0.009162:0.009066:0.005379:0.005203:0.005634:0.009401:0.008826:0.008124:0.003639:0.003863:0.004996:0.007438:0.003863:0.008731:0.009401:0.006305:0.007135:0.007805:0.006767:0.007933:0.006767:0.005076:0.005411:0.009369:0.008316:0.005411:0.005762:0.013519:0.008156:0.008156:0.005411:0.004373
the Early Notification criteria to Healthcare Safety :@0.488743:0.361854:0.844084:0.361854:0.844084:0.351270:0.488743:0.351270:0.005411:0.009034:0.008076:0.006464:0.007805:0.007901:0.005379:0.003863:0.007310:0.005634:0.011683:0.009162:0.005411:0.003863:0.004756:0.003863:0.007135:0.008124:0.005155:0.003863:0.009162:0.009034:0.006337:0.007374:0.005219:0.003863:0.005123:0.008156:0.005379:0.003863:0.007821:0.005634:0.005411:0.009130:0.006464:0.011332:0.008076:0.008124:0.003639:0.005411:0.008779:0.007374:0.007837:0.005554:0.008060:0.006049:0.008475:0.008124:0.004996:0.008140:0.005411:0.007725:0.004373
Investigation  Branch, and, from  1 April 2022, also :@0.489499:0.376642:0.848335:0.376642:0.848335:0.366058:0.489499:0.366058:0.004246:0.008699:0.007470:0.008156:0.006767:0.005076:0.003863:0.009082:0.008124:0.005060:0.003863:0.009082:0.008826:0.004373:0.002522:0.009146:0.005554:0.008124:0.009034:0.007374:0.009034:0.003464:0.006736:0.008124:0.009034:0.009225:0.003464:0.006033:0.004996:0.005554:0.009018:0.013519:0.004373:0.003272:0.008603:0.003065:0.010295:0.009194:0.005554:0.003863:0.003863:0.006384:0.009066:0.009162:0.009162:0.009241:0.003703:0.006464:0.007645:0.003863:0.006225:0.008826:0.004373
 :@0.723392:0.376642:0.727765:0.376642:0.727765:0.366058:0.723392:0.366058:0.004373
to NHS Resolution once HSIB  have confirmed they :@0.488743:0.391786:0.850053:0.391786:0.850053:0.381202:0.488743:0.381202:0.005411:0.009034:0.005714:0.010997:0.010502:0.007901:0.006464:0.009321:0.008156:0.006560:0.008986:0.003863:0.008571:0.005411:0.003575:0.008986:0.008731:0.006464:0.009162:0.009034:0.007103:0.008156:0.006464:0.010327:0.007725:0.003863:0.008316:0.004373:0.002522:0.008731:0.007725:0.007390:0.007981:0.006049:0.007374:0.009353:0.009034:0.004740:0.003863:0.005554:0.013519:0.008348:0.009210:0.006049:0.005411:0.009034:0.008156:0.007725:0.004373
are progressing an  investigation.  HSIB will triage and :@0.489079:0.406870:0.866478:0.406870:0.866478:0.396286:0.489079:0.396286:0.007805:0.005299:0.007901:0.006049:0.009066:0.005299:0.008986:0.009066:0.005299:0.007981:0.006560:0.006560:0.003863:0.008491:0.009066:0.006464:0.007645:0.008491:0.004373:0.002522:0.003863:0.009034:0.007438:0.008348:0.006767:0.005123:0.003863:0.009162:0.008124:0.005235:0.003863:0.009162:0.009034:0.003464:0.004373:0.003128:0.010327:0.007725:0.003863:0.008316:0.005634:0.011540:0.003863:0.004086:0.003863:0.006129:0.005411:0.005554:0.003863:0.007933:0.009401:0.008156:0.005634:0.007645:0.008491:0.008826:0.004373
confirm their investigation on those babies who have :@0.489079:0.421954:0.871729:0.421954:0.871729:0.411370:0.489079:0.411370:0.007374:0.009353:0.009034:0.004820:0.003863:0.005554:0.013742:0.005570:0.005411:0.009034:0.008348:0.003863:0.005554:0.005682:0.003863:0.009034:0.007645:0.008012:0.006767:0.005411:0.003607:0.009401:0.007741:0.005411:0.003863:0.009034:0.009034:0.006337:0.008571:0.008395:0.005634:0.005411:0.009034:0.009162:0.006767:0.008348:0.006049:0.009162:0.007901:0.009162:0.003863:0.007981:0.006767:0.004373:0.012210:0.009656:0.009912:0.006049:0.008651:0.007645:0.007310:0.007901:0.004373
clinical or MRI evidence of neurological  injury.  Once :@0.489079:0.437038:0.859646:0.437038:0.859646:0.426453:0.489079:0.426453:0.007374:0.003543:0.003863:0.008491:0.003863:0.006975:0.007805:0.003863:0.006305:0.008826:0.005299:0.006384:0.013024:0.008571:0.003863:0.006464:0.008348:0.007438:0.003863:0.009162:0.008348:0.008699:0.007374:0.007996:0.006049:0.009353:0.004756:0.005634:0.009034:0.008108:0.008826:0.005554:0.009146:0.003863:0.009082:0.009401:0.003623:0.007374:0.007741:0.003863:0.004373:0.002426:0.003863:0.008236:0.003607:0.008316:0.005123:0.007135:0.003192:0.004373:0.002522:0.011683:0.008826:0.007374:0.007996:0.004373
NHS  Resolution have received the final HSIB  report, :@0.489499:0.452182:0.856331:0.452182:0.856331:0.441598:0.489499:0.441598:0.010917:0.010423:0.007725:0.004373:0.002426:0.009162:0.007981:0.006560:0.009066:0.003863:0.008651:0.005411:0.003655:0.009066:0.008826:0.006384:0.008826:0.007901:0.007470:0.008060:0.006049:0.005379:0.007981:0.007055:0.008060:0.003863:0.007135:0.007981:0.008986:0.006049:0.005411:0.009034:0.008156:0.005299:0.004996:0.003863:0.009034:0.008124:0.003863:0.006752:0.010327:0.007725:0.003863:0.008316:0.004373:0.002522:0.005379:0.008060:0.009066:0.008986:0.005379:0.005411:0.003240:0.004373
the EN team will triage the case further based on our :@0.488743:0.467326:0.872159:0.467326:0.872159:0.456742:0.488743:0.456742:0.005411:0.009034:0.008076:0.006464:0.006975:0.010423:0.005634:0.005411:0.008348:0.008124:0.013567:0.005299:0.011540:0.003863:0.003863:0.004086:0.006049:0.005411:0.005554:0.003863:0.007933:0.009401:0.008156:0.005203:0.005411:0.009034:0.008156:0.006049:0.007135:0.007805:0.006560:0.007981:0.005634:0.004996:0.009289:0.005554:0.005698:0.009321:0.008571:0.005554:0.005874:0.008986:0.007645:0.006464:0.007901:0.008906:0.006464:0.008571:0.008316:0.006464:0.008986:0.008731:0.005299:0.004373
internal clinical definition and then confirm to the trust :@0.489499:0.482411:0.885604:0.482411:0.885604:0.471827:0.489499:0.471827:0.003863:0.008826:0.005203:0.008156:0.005379:0.008826:0.008124:0.003639:0.006464:0.007055:0.003863:0.003863:0.008571:0.003863:0.007055:0.007901:0.003863:0.006384:0.009401:0.008076:0.004996:0.003863:0.009034:0.003863:0.005203:0.003863:0.009353:0.009034:0.005890:0.007805:0.008651:0.008986:0.006049:0.005203:0.009034:0.008348:0.008826:0.006464:0.007374:0.009178:0.009034:0.004996:0.003863:0.005554:0.013742:0.005491:0.005411:0.009130:0.005299:0.005411:0.009034:0.008076:0.005299:0.005411:0.005554:0.008858:0.006767:0.005411:0.004373
which cases will  proceed to a liability investigation.:@0.488323:0.497556:0.849378:0.497556:0.849378:0.486971:0.488323:0.486971:0.011763:0.009321:0.003863:0.007645:0.009321:0.006464:0.007135:0.007805:0.006767:0.007933:0.006767:0.004661:0.011540:0.003863:0.004086:0.003863:0.004373:0.002522:0.008986:0.005299:0.008906:0.007055:0.007981:0.008060:0.008986:0.006049:0.005411:0.009130:0.005634:0.006895:0.006384:0.003863:0.003527:0.007901:0.008986:0.003863:0.003863:0.003623:0.005411:0.007358:0.005714:0.003863:0.009034:0.007438:0.008348:0.006767:0.005123:0.003863:0.009162:0.008124:0.005235:0.003863:0.009162:0.009034:0.003464
•  The EN Scheme has significantly altered the pace :@0.489499:0.519771:0.859651:0.519771:0.859651:0.509186:0.489499:0.509186:0.006480:0.004373:0.007294:0.008364:0.008858:0.008348:0.006273:0.006975:0.010423:0.006049:0.008475:0.007374:0.009034:0.008348:0.013742:0.008348:0.005922:0.008731:0.007725:0.006560:0.005634:0.006767:0.004070:0.009401:0.009034:0.003863:0.004996:0.003863:0.007374:0.008124:0.009034:0.005411:0.003863:0.007725:0.005187:0.007805:0.003863:0.005044:0.007981:0.005379:0.008060:0.009066:0.006049:0.005411:0.009034:0.008156:0.006384:0.008906:0.007645:0.007055:0.007901:0.004373
at which claims are opened.  However, since the :@0.508063:0.535153:0.850746:0.535153:0.850746:0.524568:0.508063:0.524568:0.008124:0.005155:0.004373:0.011843:0.009321:0.003863:0.007645:0.009321:0.006464:0.007374:0.003863:0.007837:0.003863:0.013519:0.006767:0.005586:0.007805:0.005299:0.007901:0.005634:0.009353:0.009130:0.008348:0.008795:0.008348:0.009130:0.003464:0.004373:0.003160:0.010997:0.009162:0.011348:0.008156:0.007470:0.008156:0.005554:0.003272:0.006464:0.006560:0.003863:0.008651:0.007135:0.008060:0.005634:0.005411:0.008699:0.008060:0.004373
scheme was only launched  in 2017 and  it takes a :@0.508063:0.550535:0.862398:0.550535:0.862398:0.539950:0.508063:0.539950:0.006767:0.007087:0.009034:0.008108:0.013742:0.008092:0.005203:0.012098:0.008571:0.007135:0.005714:0.009066:0.008731:0.003863:0.007310:0.005634:0.003863:0.007821:0.009034:0.008858:0.007374:0.008842:0.008348:0.009210:0.004373:0.002522:0.003272:0.007566:0.006464:0.008986:0.009066:0.008906:0.008906:0.006049:0.007805:0.008651:0.008986:0.004373:0.002426:0.003368:0.004709:0.005299:0.005411:0.008124:0.007933:0.008348:0.006767:0.005762:0.006384:0.004373
number of years for higher value claims to settle, :@0.508483:0.565975:0.860152:0.565975:0.860152:0.555390:0.508483:0.555390:0.009034:0.009034:0.013742:0.009098:0.008348:0.005554:0.005251:0.009353:0.005187:0.004373:0.007725:0.008348:0.008124:0.005554:0.006767:0.005060:0.004996:0.009545:0.005554:0.005698:0.009034:0.003863:0.009194:0.009034:0.008348:0.005299:0.004373:0.007645:0.008316:0.003863:0.009034:0.008348:0.005969:0.007374:0.003623:0.007901:0.003863:0.013359:0.006767:0.005155:0.005411:0.009034:0.005299:0.006767:0.008012:0.005411:0.005411:0.003623:0.008156:0.003464:0.004373
there is relatively little settled claims experience :@0.507643:0.581356:0.847261:0.581356:0.847261:0.570772:0.507643:0.570772:0.005411:0.009034:0.008156:0.005554:0.008140:0.006049:0.003368:0.005969:0.005634:0.005299:0.008156:0.003863:0.007901:0.005203:0.003863:0.007645:0.007981:0.003863:0.007486:0.005714:0.003863:0.003527:0.005123:0.005203:0.003863:0.007821:0.005634:0.006560:0.008060:0.005203:0.005411:0.003575:0.008060:0.009066:0.006464:0.007374:0.003623:0.007901:0.003863:0.013359:0.006767:0.005491:0.008348:0.007326:0.009114:0.008348:0.005554:0.003655:0.008348:0.009034:0.007071:0.008348:0.004373
to fully quantify the impact of the EN Scheme.:@0.507643:0.596738:0.836839:0.596738:0.836839:0.586154:0.507643:0.586154:0.005411:0.009130:0.004868:0.004996:0.009034:0.004038:0.003863:0.007901:0.005203:0.009401:0.009034:0.008124:0.009305:0.005411:0.003863:0.004996:0.007901:0.005299:0.005411:0.009034:0.008156:0.006049:0.003863:0.013519:0.009162:0.008124:0.007166:0.005411:0.005507:0.009353:0.004756:0.005299:0.005411:0.009034:0.008156:0.006384:0.006975:0.010423:0.006049:0.008475:0.007151:0.009034:0.008348:0.013359:0.008348:0.003464
For this year, we have separately modelled claims reported :@0.489499:0.618714:0.907566:0.618714:0.907566:0.608129:0.489499:0.608129:0.007230:0.008651:0.005123:0.005203:0.005411:0.008779:0.003863:0.006560:0.004868:0.007470:0.007981:0.007805:0.005299:0.003272:0.005634:0.012354:0.008986:0.006049:0.008826:0.007901:0.007470:0.008060:0.005714:0.006767:0.008348:0.009082:0.008124:0.005554:0.008124:0.005411:0.008348:0.003863:0.007725:0.005602:0.013439:0.008986:0.009066:0.008060:0.003863:0.003527:0.008156:0.009066:0.006384:0.007374:0.003623:0.007901:0.003863:0.013359:0.006767:0.005922:0.005299:0.007981:0.009066:0.008986:0.005299:0.005203:0.007981:0.009066:0.004373
under the  EN Scheme within the IBNR provision and those :@0.489499:0.633797:0.906752:0.633797:0.906752:0.623213:0.489499:0.623213:0.009034:0.008779:0.009401:0.008076:0.005554:0.004772:0.005411:0.009034:0.008076:0.004373:0.002522:0.006975:0.010327:0.006049:0.008475:0.007374:0.008842:0.008348:0.013742:0.008060:0.005299:0.011843:0.003863:0.005714:0.009241:0.003863:0.009417:0.005634:0.005411:0.009034:0.008156:0.006464:0.003942:0.008395:0.011093:0.008826:0.006049:0.008826:0.005203:0.008906:0.007310:0.003863:0.006305:0.003863:0.008731:0.008651:0.006464:0.007805:0.008571:0.008986:0.006049:0.005411:0.008699:0.009066:0.006767:0.007933:0.004373
expected to be reported outside of the scheme.  In arriving :@0.489079:0.648882:0.907210:0.648882:0.907210:0.638298:0.489079:0.638298:0.008060:0.007326:0.009050:0.008348:0.007023:0.005411:0.008108:0.009162:0.006049:0.005411:0.009130:0.006049:0.008571:0.007566:0.006049:0.005379:0.008060:0.009066:0.008986:0.005379:0.005411:0.007949:0.009066:0.006464:0.009162:0.009034:0.005155:0.006767:0.003655:0.009401:0.007981:0.005634:0.009353:0.004756:0.005299:0.005411:0.009034:0.008156:0.005634:0.006767:0.007182:0.009034:0.008348:0.013455:0.008348:0.003464:0.004373:0.003144:0.003527:0.007390:0.006384:0.007901:0.005299:0.005299:0.003863:0.007135:0.003863:0.008491:0.008986:0.004373
at our assumed number of claims, we have considered :@0.489079:0.663967:0.880922:0.663967:0.880922:0.653383:0.489079:0.653383:0.007805:0.005123:0.005634:0.009066:0.009034:0.005331:0.005634:0.008124:0.006416:0.006767:0.008683:0.013519:0.008156:0.009401:0.006225:0.009034:0.009034:0.013742:0.009098:0.008348:0.005554:0.005666:0.009353:0.004756:0.005714:0.007374:0.003863:0.007741:0.003863:0.013439:0.006767:0.003464:0.005475:0.012354:0.008986:0.006049:0.008826:0.007901:0.007470:0.008060:0.005634:0.007135:0.009066:0.008826:0.006464:0.003863:0.008986:0.008060:0.005554:0.007965:0.009066:0.004373
the rate at which  EN cases have been opened to date :@0.488743:0.679110:0.873723:0.679110:0.873723:0.668526:0.488743:0.668526:0.005411:0.009034:0.008076:0.006049:0.005554:0.007805:0.005203:0.008060:0.005634:0.008124:0.005235:0.004373:0.011923:0.009401:0.004038:0.007645:0.009401:0.004373:0.002426:0.006975:0.010423:0.006384:0.007135:0.007805:0.006767:0.007933:0.006767:0.005922:0.008731:0.007805:0.007390:0.007981:0.006384:0.008906:0.007981:0.007981:0.008651:0.006049:0.009162:0.009385:0.007996:0.009034:0.008012:0.009401:0.005475:0.005411:0.009130:0.005634:0.009066:0.007901:0.005203:0.008060:0.004373
while assuming that the overall level of risk in  relation :@0.488323:0.693958:0.875362:0.693958:0.875362:0.683373:0.488323:0.683373:0.011843:0.009401:0.004038:0.004038:0.008571:0.005634:0.008124:0.006576:0.006767:0.008779:0.013742:0.003639:0.009034:0.009114:0.005634:0.005411:0.009369:0.008316:0.005411:0.005347:0.005411:0.009034:0.008156:0.005634:0.008906:0.007390:0.008156:0.005379:0.007805:0.003863:0.003863:0.006640:0.003527:0.007645:0.007055:0.007725:0.003527:0.006384:0.009353:0.004756:0.005714:0.005379:0.003863:0.006464:0.007645:0.005634:0.003272:0.007645:0.004373:0.002426:0.005299:0.007981:0.003863:0.007645:0.005123:0.003863:0.008826:0.008651:0.004373
to brain damage at birth is broadly similar to the period :@0.488743:0.709043:0.887897:0.709043:0.887897:0.698458:0.488743:0.698458:0.005411:0.009034:0.005714:0.008906:0.005299:0.007725:0.003863:0.008491:0.006384:0.009401:0.008124:0.013471:0.008124:0.009401:0.008348:0.005634:0.008124:0.005235:0.006049:0.008986:0.003607:0.005203:0.005044:0.008571:0.006464:0.003368:0.005874:0.006049:0.009162:0.005379:0.008986:0.007901:0.009066:0.003863:0.007310:0.005203:0.006767:0.003863:0.013487:0.003863:0.003863:0.007901:0.005554:0.004693:0.005411:0.009130:0.005299:0.005411:0.009034:0.008076:0.006049:0.008906:0.007901:0.005299:0.003863:0.008731:0.008906:0.004373
before EN.  Hence we assume that the overall  number of :@0.489499:0.724187:0.894287:0.724187:0.894287:0.713603:0.489499:0.713603:0.009385:0.007996:0.004996:0.008954:0.005379:0.008060:0.006464:0.007390:0.010838:0.003112:0.004373:0.003272:0.010917:0.007981:0.008731:0.007135:0.007981:0.005299:0.012178:0.008731:0.006049:0.008124:0.006496:0.006767:0.008779:0.013742:0.008092:0.005299:0.005411:0.009369:0.008316:0.005411:0.004916:0.005411:0.009034:0.008156:0.006049:0.008986:0.007310:0.008060:0.005299:0.007725:0.003863:0.003527:0.004373:0.002426:0.009034:0.009034:0.013742:0.009098:0.008348:0.005554:0.005666:0.008986:0.004788:0.004373
successful  high value claims after the introduction of the :@0.489079:0.739271:0.895463:0.739271:0.895463:0.728686:0.489079:0.728686:0.006767:0.008858:0.007374:0.007071:0.008156:0.006767:0.006416:0.004996:0.008779:0.003863:0.004373:0.002426:0.008571:0.003863:0.008731:0.008651:0.005203:0.007645:0.008316:0.003863:0.009034:0.008348:0.005969:0.007374:0.003623:0.007901:0.003863:0.013359:0.006767:0.005491:0.008124:0.004996:0.005411:0.008523:0.005554:0.005283:0.005411:0.009034:0.008156:0.006049:0.003863:0.009034:0.005411:0.005299:0.009162:0.009401:0.008826:0.007374:0.005219:0.003863:0.009082:0.009034:0.006337:0.009353:0.004756:0.004868:0.005411:0.008699:0.008060:0.004373
EN Scheme will  be similar to the period  before -  reflecting :@0.489919:0.754354:0.906741:0.754354:0.906741:0.743770:0.489919:0.743770:0.006799:0.010167:0.006384:0.008475:0.007374:0.008842:0.008348:0.013742:0.008060:0.004868:0.011540:0.003863:0.003863:0.004086:0.004373:0.002522:0.008571:0.007566:0.006049:0.006767:0.003655:0.013359:0.003863:0.003863:0.007821:0.005554:0.005108:0.005123:0.008986:0.005203:0.005411:0.009034:0.008156:0.006464:0.008906:0.007901:0.005299:0.003863:0.008651:0.008906:0.004373:0.002522:0.009385:0.007996:0.004996:0.008954:0.005379:0.008060:0.004788:0.006384:0.002522:0.005634:0.005299:0.008060:0.004996:0.003655:0.008060:0.007135:0.005203:0.003863:0.008731:0.009066:0.004373
that the EN scheme only alters the reporting and claim :@0.488743:0.769499:0.881337:0.769499:0.881337:0.758914:0.488743:0.758914:0.005411:0.009369:0.008316:0.005411:0.004916:0.005411:0.009034:0.008156:0.006464:0.006975:0.010327:0.006464:0.006767:0.007087:0.009034:0.008108:0.013742:0.008092:0.005634:0.009162:0.009034:0.003655:0.007725:0.005123:0.008124:0.003863:0.005155:0.008156:0.005554:0.006767:0.005060:0.005411:0.009034:0.008156:0.006049:0.005379:0.008060:0.009066:0.008986:0.005379:0.005411:0.003655:0.008731:0.009066:0.006384:0.007805:0.008651:0.008986:0.006464:0.007135:0.003863:0.007566:0.003863:0.013024:0.004373
settlement process,  rather than the exposure to risk.:@0.489079:0.784584:0.859503:0.784584:0.859503:0.773999:0.489079:0.773999:0.006767:0.008348:0.005411:0.005411:0.003863:0.008348:0.013742:0.008348:0.009034:0.005411:0.005969:0.009066:0.005379:0.009066:0.007135:0.008060:0.006767:0.006416:0.003464:0.004373:0.002410:0.005554:0.008124:0.005411:0.009034:0.008348:0.005554:0.004677:0.005411:0.009034:0.008124:0.009034:0.005953:0.005411:0.009034:0.008156:0.005634:0.008156:0.007326:0.009050:0.009353:0.006528:0.009034:0.005331:0.008156:0.005634:0.005411:0.009130:0.005634:0.005299:0.003863:0.006305:0.007470:0.003464
Since no high value EN cases have been settled yet, other :@0.489079:0.804840:0.901927:0.804840:0.901927:0.794256:0.489079:0.794256:0.008236:0.003863:0.008651:0.007135:0.008060:0.006384:0.008571:0.008826:0.006049:0.008571:0.003607:0.008731:0.008491:0.005634:0.007645:0.008316:0.003863:0.009034:0.008348:0.006400:0.006975:0.010327:0.006049:0.007374:0.007741:0.006767:0.008108:0.006767:0.006001:0.008731:0.007725:0.007390:0.007981:0.006464:0.008906:0.007805:0.007805:0.008571:0.006384:0.006560:0.008060:0.005203:0.005411:0.003655:0.008060:0.009066:0.005634:0.007725:0.008348:0.005411:0.003464:0.006464:0.009353:0.005411:0.008667:0.008348:0.005347:0.004373
assumptions in  respect of claim costs and settlement lags :@0.489079:0.819924:0.900698:0.819924:0.900698:0.809340:0.489079:0.809340:0.008124:0.006767:0.006767:0.008747:0.013742:0.009385:0.005187:0.003863:0.009353:0.009034:0.006560:0.006049:0.003272:0.007645:0.004373:0.002426:0.005379:0.008156:0.006767:0.009018:0.008156:0.007374:0.005139:0.005299:0.009353:0.004756:0.005634:0.007135:0.003863:0.007725:0.003863:0.013280:0.006049:0.007135:0.009066:0.006767:0.005076:0.006767:0.005491:0.007805:0.008651:0.008986:0.006049:0.006767:0.008523:0.005411:0.005411:0.003863:0.008348:0.013742:0.008348:0.009034:0.005411:0.005794:0.003863:0.007486:0.008826:0.006384:0.004373
are set with  reference to standard  maternity claims.:@0.489079:0.834771:0.854236:0.834771:0.854236:0.824187:0.489079:0.824187:0.007805:0.005299:0.007901:0.005634:0.006560:0.007981:0.005203:0.004868:0.011763:0.003863:0.005714:0.009321:0.004373:0.002426:0.005379:0.008348:0.004996:0.008076:0.005554:0.008348:0.008699:0.007374:0.008172:0.005634:0.005123:0.008986:0.005714:0.006560:0.005203:0.008124:0.008683:0.009401:0.007821:0.005554:0.009146:0.004373:0.002426:0.013742:0.008124:0.005602:0.008348:0.005554:0.009034:0.003863:0.005411:0.007725:0.005171:0.007135:0.003863:0.007725:0.003863:0.013359:0.006767:0.003464