NHS Resolution:@0.116465:0.056159:0.212674:0.056159:0.212674:0.047246:0.116465:0.047246:0.009566:0.009324:0.006892:0.004864:0.008397:0.006973:0.005710:0.007981:0.003816:0.007766:0.005226:0.003587:0.007981:0.008128
Annual report and accounts 2021/22:@0.288185:0.056159:0.513709:0.056159:0.513709:0.047246:0.288185:0.047246:0.009230:0.008142:0.008061:0.008142:0.007215:0.003520:0.005629:0.004958:0.007309:0.008222:0.008236:0.004864:0.004555:0.005011:0.006839:0.007604:0.007725:0.005213:0.006839:0.006422:0.006382:0.008061:0.007806:0.007604:0.004743:0.005697:0.004460:0.006879:0.006973:0.006879:0.006973:0.005038:0.007053:0.007242
137:@0.931480:0.056159:0.952641:0.056159:0.952641:0.047246:0.931480:0.047246:0.006718:0.006718:0.007725
General Practice Indemnity:@0.096734:0.107246:0.392157:0.107246:0.392157:0.091647:0.096734:0.091647:0.016364:0.012508:0.013942:0.012438:0.009358:0.012297:0.006677:0.009522:0.013519:0.008723:0.012014:0.010674:0.008652:0.006372:0.010674:0.012014:0.008817:0.007453:0.013801:0.014201:0.012438:0.020996:0.013942:0.006466:0.008911:0.012649
From  1 April 2021  liabilities relating to incidents prior :@0.096734:0.125781:0.479542:0.125781:0.479542:0.115197:0.096734:0.115197:0.007307:0.005121:0.008647:0.012763:0.004371:0.003685:0.008599:0.002728:0.010291:0.009110:0.005552:0.003861:0.003861:0.006382:0.008312:0.008392:0.008392:0.008392:0.004371:0.004866:0.003861:0.003526:0.007897:0.008982:0.003861:0.003861:0.003622:0.005409:0.003654:0.008057:0.006557:0.006047:0.005377:0.007977:0.003861:0.007642:0.005201:0.003861:0.008567:0.009062:0.006047:0.005121:0.008982:0.006047:0.003861:0.009030:0.007100:0.003861:0.009158:0.008344:0.008695:0.005409:0.006765:0.005887:0.009062:0.005297:0.003861:0.008727:0.005297:0.004371
 :@0.142235:0.125781:0.146607:0.125781:0.146607:0.115197:0.142235:0.115197:0.004371
to  1 April 2019 against members of the Medical :@0.095894:0.140925:0.442996:0.140925:0.442996:0.130341:0.095894:0.130341:0.005121:0.008982:0.004371:0.002936:0.008599:0.003063:0.010291:0.009190:0.005552:0.003861:0.003861:0.006382:0.008982:0.009062:0.008903:0.008903:0.006047:0.008121:0.009605:0.008121:0.003861:0.009030:0.006765:0.005409:0.005520:0.013737:0.008089:0.013513:0.009158:0.008344:0.005345:0.006765:0.005584:0.009349:0.004754:0.005201:0.005409:0.009030:0.008153:0.006461:0.013848:0.007977:0.009062:0.003861:0.006972:0.007722:0.003861:0.004371
 :@0.120910:0.140925:0.125282:0.140925:0.125282:0.130341:0.120910:0.130341:0.004371
Protection Society (MPS) transferred to be administered :@0.097153:0.156009:0.493427:0.156009:0.493427:0.145425:0.097153:0.145425:0.008647:0.005297:0.008982:0.005121:0.008057:0.006972:0.005201:0.003861:0.008823:0.008727:0.006461:0.008472:0.008998:0.007371:0.003622:0.008153:0.005409:0.007530:0.005297:0.004611:0.014024:0.008647:0.008472:0.004547:0.005201:0.005409:0.005552:0.008121:0.009030:0.006477:0.004994:0.008344:0.005552:0.005552:0.008344:0.009206:0.006047:0.005409:0.009126:0.006047:0.008567:0.007562:0.005632:0.008121:0.009174:0.013434:0.003861:0.008823:0.003861:0.006557:0.005409:0.008105:0.005552:0.008137:0.009397:0.004371
by NHS  Resolution. These are covered within the :@0.096734:0.171153:0.445304:0.171153:0.445304:0.160569:0.096734:0.160569:0.008647:0.007052:0.005632:0.010913:0.010418:0.007722:0.004371:0.002521:0.009541:0.008089:0.006765:0.008934:0.003861:0.008647:0.005409:0.003654:0.009062:0.008823:0.003462:0.006366:0.008360:0.008775:0.008344:0.006765:0.008073:0.006047:0.007722:0.005297:0.007897:0.005632:0.007052:0.008982:0.007387:0.008057:0.005552:0.007961:0.009062:0.005632:0.011838:0.003861:0.005712:0.009238:0.003861:0.009413:0.005632:0.005409:0.008695:0.008057:0.004371
Existing Liabilities Scheme for General  Practice (ELSGP), :@0.097153:0.186238:0.490890:0.186238:0.490890:0.175654:0.097153:0.175654:0.007802:0.006972:0.003861:0.006382:0.005121:0.003861:0.008567:0.008982:0.006461:0.007227:0.003861:0.007897:0.009158:0.003861:0.003861:0.003622:0.005201:0.003861:0.008153:0.006765:0.005488:0.008472:0.007371:0.008839:0.008344:0.013737:0.008057:0.005201:0.004994:0.009541:0.005552:0.006126:0.010753:0.008344:0.009030:0.008153:0.005552:0.007881:0.003861:0.004371:0.002936:0.008567:0.005377:0.007897:0.007132:0.005201:0.003861:0.007052:0.008057:0.005712:0.004818:0.007865:0.007514:0.008472:0.010721:0.008934:0.004818:0.003287:0.004371
which already covered liabilities relating to incidents :@0.095558:0.201323:0.469416:0.201323:0.469416:0.190739:0.095558:0.190739:0.011758:0.009317:0.003861:0.007642:0.009317:0.006461:0.008121:0.003638:0.005552:0.008137:0.008121:0.009174:0.007722:0.005121:0.007132:0.008982:0.007387:0.007977:0.005552:0.007881:0.009062:0.006461:0.003861:0.003861:0.007722:0.009062:0.003861:0.003861:0.003622:0.005409:0.003654:0.008057:0.006765:0.005584:0.005297:0.008057:0.003861:0.007818:0.005201:0.003861:0.008727:0.009158:0.006047:0.005121:0.008982:0.006047:0.003861:0.008727:0.007132:0.003861:0.009078:0.008344:0.008695:0.005409:0.006509:0.004371
prior to  1 April 2019 against members of the  Medical :@0.096734:0.216468:0.481296:0.216468:0.481296:0.205883:0.096734:0.205883:0.009062:0.005297:0.003861:0.008727:0.005297:0.004866:0.005409:0.009030:0.004371:0.002936:0.008599:0.003063:0.010291:0.009190:0.005552:0.003861:0.003861:0.006382:0.008982:0.009062:0.008903:0.008903:0.006047:0.008121:0.009397:0.007929:0.003861:0.009030:0.006765:0.005409:0.005919:0.013737:0.008089:0.013513:0.009158:0.008344:0.005345:0.006765:0.005584:0.009349:0.004754:0.004786:0.005409:0.009030:0.008153:0.004371:0.002521:0.013848:0.007977:0.009062:0.003861:0.006972:0.007722:0.003861:0.004371
 :@0.159195:0.216468:0.163566:0.216468:0.163566:0.205883:0.159195:0.205883:0.004371
and Dental  Defence Union of Scotland (MDDUS).:@0.096314:0.231849:0.444517:0.231849:0.444517:0.221265:0.096314:0.221265:0.007802:0.008647:0.008982:0.006382:0.010913:0.008153:0.008727:0.005201:0.008121:0.003638:0.004371:0.002521:0.011184:0.008344:0.004994:0.008137:0.009030:0.007371:0.008121:0.006047:0.010657:0.008647:0.003861:0.008823:0.008727:0.006461:0.009349:0.004754:0.005632:0.008232:0.007132:0.009158:0.005409:0.003654:0.008121:0.008759:0.009397:0.006222:0.004818:0.014072:0.011184:0.010977:0.010961:0.008472:0.004579:0.003462
Short-term inflation:@0.097153:0.261183:0.315247:0.261183:0.315247:0.245585:0.097153:0.245585:0.012673:0.013684:0.013778:0.008911:0.008723:0.009075:0.008723:0.012250:0.008911:0.020573:0.009240:0.006677:0.013731:0.008723:0.006677:0.012226:0.008817:0.006677:0.013801:0.014225
Short-term inflation expectations have increased :@0.096314:0.280015:0.443272:0.280015:0.443272:0.269431:0.096314:0.269431:0.008232:0.008823:0.009349:0.005345:0.005409:0.006174:0.005409:0.008105:0.005552:0.013418:0.006382:0.003861:0.009030:0.004994:0.003606:0.008121:0.005233:0.003861:0.009158:0.009030:0.006414:0.008344:0.007323:0.009381:0.008344:0.007371:0.005409:0.008121:0.005409:0.003861:0.009349:0.009030:0.006765:0.005600:0.008823:0.007897:0.007467:0.008057:0.006047:0.003861:0.008567:0.007052:0.005377:0.008153:0.007802:0.006557:0.008057:0.009062:0.004371
significantly relative to last year owing to the post­:@0.096314:0.295160:0.457807:0.295160:0.457807:0.284575:0.096314:0.284575:0.006765:0.003861:0.009190:0.009030:0.003861:0.004994:0.003861:0.007371:0.008121:0.009030:0.005409:0.003861:0.007722:0.005600:0.005377:0.008057:0.003861:0.007818:0.005201:0.003861:0.007387:0.008057:0.005632:0.005121:0.008982:0.006047:0.003861:0.007562:0.006382:0.005121:0.004866:0.007722:0.008344:0.008121:0.005552:0.005696:0.009349:0.011535:0.003861:0.009030:0.009397:0.005616:0.005409:0.009126:0.005201:0.005409:0.009030:0.008153:0.006047:0.009381:0.009349:0.006765:0.005153:0.006382
pandemic economic recovery,  higher energy prices :@0.096734:0.310245:0.459423:0.310245:0.459423:0.299660:0.096734:0.299660:0.009381:0.008121:0.009030:0.009158:0.008344:0.013737:0.003861:0.007371:0.005153:0.008344:0.007371:0.009349:0.009030:0.009349:0.013737:0.003861:0.007371:0.005728:0.005297:0.007897:0.007052:0.008903:0.007227:0.007897:0.005297:0.007307:0.003271:0.004371:0.002425:0.009030:0.003861:0.009190:0.009030:0.008344:0.005297:0.005201:0.008344:0.009030:0.008153:0.005552:0.009397:0.007722:0.005456:0.008982:0.005297:0.003861:0.006892:0.007977:0.006461:0.004371
and supply and  labour constraints. The provisions :@0.096314:0.325330:0.451776:0.325330:0.451776:0.314745:0.096314:0.314745:0.007802:0.008647:0.008982:0.006047:0.006765:0.008679:0.009158:0.009158:0.003861:0.007483:0.005297:0.007802:0.008567:0.008982:0.004371:0.002521:0.003861:0.007897:0.009381:0.009174:0.009030:0.005329:0.005297:0.007371:0.009174:0.009030:0.006589:0.005409:0.005552:0.008121:0.003861:0.009030:0.005409:0.006765:0.003462:0.006461:0.008360:0.008775:0.008344:0.006350:0.008982:0.005377:0.008982:0.007387:0.003861:0.006382:0.003861:0.008823:0.008727:0.006557:0.004371
are determined assuming that claims inflation will :@0.096314:0.340415:0.453882:0.340415:0.453882:0.329830:0.096314:0.329830:0.007562:0.005201:0.007802:0.006047:0.009397:0.008153:0.005409:0.008344:0.005313:0.013513:0.003861:0.008727:0.008344:0.009126:0.006461:0.008121:0.006573:0.006765:0.008775:0.013513:0.003861:0.008823:0.009397:0.005552:0.005409:0.009365:0.008312:0.005409:0.005760:0.007132:0.003861:0.007818:0.003861:0.013354:0.006765:0.005919:0.003861:0.009030:0.004994:0.003606:0.008121:0.005233:0.003861:0.009158:0.009030:0.005584:0.011535:0.003861:0.003861:0.003861:0.004371
also be higher in the short term -  reflecting the :@0.096314:0.355499:0.437273:0.355499:0.437273:0.344915:0.096314:0.344915:0.007897:0.003861:0.006302:0.008982:0.006047:0.008567:0.007562:0.006047:0.009030:0.003861:0.009190:0.009030:0.008344:0.005297:0.005632:0.003271:0.007562:0.006047:0.005409:0.009030:0.008153:0.006047:0.006765:0.008775:0.009158:0.005552:0.005409:0.005073:0.005409:0.008025:0.005377:0.013434:0.005201:0.006382:0.002521:0.005632:0.005552:0.008057:0.004994:0.003861:0.008025:0.007371:0.005137:0.003861:0.008823:0.009397:0.005472:0.005409:0.008695:0.008057:0.004371
assumption that a  higher cost of living  in the general :@0.096314:0.370584:0.476457:0.370584:0.476457:0.360000:0.096314:0.360000:0.008121:0.006573:0.006765:0.008775:0.013513:0.009381:0.005153:0.003861:0.009158:0.009030:0.005919:0.005409:0.009365:0.008312:0.005409:0.005424:0.006797:0.004371:0.002521:0.009030:0.003654:0.009158:0.009030:0.008009:0.005552:0.005536:0.007371:0.008918:0.006765:0.005153:0.005201:0.009349:0.004754:0.006047:0.003526:0.003606:0.007132:0.003606:0.008488:0.008727:0.004371:0.002521:0.003271:0.007562:0.006047:0.005409:0.009030:0.008153:0.005632:0.009397:0.007897:0.008823:0.008057:0.005377:0.007897:0.003861:0.004371
economic environment will  lead through to higher :@0.096314:0.385669:0.459067:0.385669:0.459067:0.375085:0.096314:0.375085:0.008344:0.007371:0.009349:0.008855:0.009349:0.013737:0.003861:0.007371:0.005153:0.008344:0.009206:0.007642:0.003861:0.005552:0.009349:0.009030:0.013737:0.008344:0.009030:0.005409:0.004802:0.011535:0.003861:0.003861:0.004084:0.004371:0.002521:0.003606:0.007642:0.007467:0.008647:0.006047:0.005409:0.009030:0.005552:0.009142:0.009030:0.009397:0.009030:0.005871:0.005121:0.008982:0.006047:0.009030:0.003654:0.009158:0.009030:0.008009:0.005552:0.004371
claim settlement costs. The impact on the CNST :@0.096314:0.400754:0.440895:0.400754:0.440895:0.390170:0.096314:0.390170:0.007132:0.003861:0.007562:0.003861:0.013098:0.006382:0.006765:0.008344:0.005409:0.005409:0.003861:0.008344:0.013737:0.008344:0.009030:0.005409:0.005632:0.007371:0.008839:0.006557:0.005201:0.006557:0.003462:0.006366:0.008360:0.008775:0.008344:0.005935:0.003861:0.013737:0.009190:0.008121:0.007371:0.005409:0.005137:0.008567:0.008312:0.006047:0.005409:0.009030:0.008153:0.006047:0.009652:0.011679:0.008472:0.008073:0.004371
provision  is shown at Table 28 on  page  142.:@0.096734:0.415719:0.408800:0.415719:0.408800:0.405135:0.096734:0.405135:0.008823:0.005201:0.008903:0.007307:0.003861:0.006302:0.003861:0.008727:0.008647:0.004371:0.002521:0.003191:0.005712:0.005632:0.006765:0.009030:0.009349:0.011726:0.009030:0.006509:0.008121:0.005153:0.004866:0.007977:0.007562:0.008903:0.003606:0.007802:0.005632:0.008599:0.008775:0.006047:0.008567:0.008312:0.004371:0.002521:0.009062:0.007722:0.009062:0.007977:0.004371:0.002856:0.008392:0.008599:0.008280:0.003462
Claims inflation trends:@0.096734:0.445350:0.344005:0.445350:0.344005:0.429752:0.096734:0.429752:0.014272:0.006372:0.012250:0.006466:0.020737:0.009992:0.008488:0.006677:0.013731:0.008817:0.006677:0.012297:0.008911:0.006677:0.013895:0.013848:0.008064:0.009146:0.008981:0.012508:0.013848:0.014272:0.010345
Notwithstanding the higher short-term inflation :@0.096734:0.464182:0.440246:0.464182:0.440246:0.453598:0.096734:0.453598:0.011934:0.009142:0.005409:0.011535:0.003861:0.005409:0.009030:0.006765:0.005409:0.008121:0.009030:0.009397:0.003861:0.009030:0.009397:0.005600:0.005409:0.009206:0.008344:0.006095:0.009030:0.003861:0.009110:0.009030:0.008344:0.005297:0.005297:0.006557:0.008823:0.009158:0.005552:0.005409:0.006174:0.005409:0.008105:0.005552:0.013418:0.006461:0.003861:0.008823:0.004994:0.003654:0.008121:0.005153:0.003861:0.009078:0.009030:0.004371
expectations in the general economic environment, :@0.096314:0.479266:0.464811:0.479266:0.464811:0.468682:0.096314:0.468682:0.008344:0.007323:0.009381:0.008344:0.007371:0.005409:0.008121:0.005409:0.003861:0.009349:0.009030:0.006765:0.005600:0.003366:0.007977:0.005632:0.005409:0.009030:0.008153:0.006047:0.009158:0.008057:0.008823:0.008057:0.005377:0.007897:0.003861:0.006382:0.008344:0.007371:0.009349:0.009030:0.009349:0.013737:0.003861:0.007371:0.005393:0.008344:0.009030:0.007642:0.003861:0.005552:0.009349:0.009030:0.013737:0.008344:0.009030:0.005409:0.003462:0.004371
average settlement costs have not increased at :@0.096314:0.494350:0.433189:0.494350:0.433189:0.483765:0.096314:0.483765:0.008121:0.007419:0.008344:0.005345:0.008121:0.009397:0.008089:0.005632:0.006765:0.008520:0.005409:0.005409:0.003861:0.008344:0.013928:0.008344:0.009030:0.005409:0.005185:0.007132:0.009062:0.006765:0.005073:0.006765:0.005919:0.008727:0.007722:0.007387:0.007977:0.006047:0.009030:0.009110:0.005409:0.005504:0.003861:0.008727:0.007132:0.005377:0.008153:0.007802:0.006765:0.007929:0.009158:0.006461:0.007722:0.005121:0.004371
the rate previously assumed. This is a continuing :@0.095894:0.509197:0.443443:0.509197:0.443443:0.498613:0.095894:0.498613:0.005409:0.009030:0.008153:0.006047:0.005552:0.007802:0.005201:0.008057:0.006047:0.009158:0.005377:0.008057:0.007467:0.003861:0.008982:0.008823:0.006765:0.003654:0.007722:0.005121:0.008121:0.006573:0.006765:0.008855:0.013737:0.008089:0.009397:0.003462:0.006286:0.008360:0.008679:0.003861:0.006557:0.006047:0.003191:0.005632:0.005712:0.006797:0.006461:0.007371:0.009174:0.009030:0.005153:0.003861:0.008823:0.008823:0.003861:0.008823:0.009397:0.004371
trend over the last few years and as such we have :@0.095894:0.524341:0.454898:0.524341:0.454898:0.513757:0.095894:0.513757:0.005409:0.005249:0.008153:0.008727:0.009158:0.006047:0.009062:0.007467:0.008344:0.005345:0.004866:0.005409:0.009030:0.008153:0.006382:0.003861:0.007642:0.006382:0.005121:0.004866:0.005377:0.009062:0.012508:0.004371:0.007722:0.008344:0.008121:0.005552:0.006765:0.005472:0.007802:0.008647:0.008982:0.006382:0.007722:0.006382:0.005297:0.006461:0.008647:0.007132:0.008727:0.005712:0.012173:0.008727:0.006461:0.008647:0.007642:0.007227:0.007897:0.004371
made reductions to our long term claims inflation :@0.096734:0.539426:0.452595:0.539426:0.452595:0.528842:0.096734:0.528842:0.013354:0.007802:0.009062:0.008057:0.006461:0.005552:0.008137:0.009397:0.008743:0.007371:0.005217:0.003861:0.009078:0.009030:0.006589:0.005201:0.005409:0.009126:0.005201:0.009349:0.009030:0.005377:0.005712:0.003606:0.008823:0.008567:0.008823:0.005632:0.005409:0.008344:0.005313:0.013737:0.005919:0.007371:0.003861:0.007834:0.003861:0.013434:0.006765:0.005999:0.003861:0.008727:0.004994:0.003654:0.008121:0.005058:0.003861:0.008982:0.008823:0.004371
assumptions.  See page  142 for details of the impact :@0.096314:0.554571:0.471639:0.554571:0.471639:0.543986:0.096314:0.543986:0.008121:0.006573:0.006765:0.008855:0.013737:0.009190:0.005409:0.003654:0.009349:0.009030:0.006557:0.003462:0.004371:0.002920:0.007977:0.007897:0.007897:0.006461:0.009062:0.007722:0.009062:0.007977:0.004371:0.002856:0.008312:0.008392:0.008312:0.005632:0.004994:0.009541:0.005552:0.005696:0.009158:0.008153:0.005409:0.007865:0.003861:0.003861:0.006461:0.005632:0.009349:0.004754:0.005297:0.005409:0.009030:0.008073:0.006047:0.003861:0.013354:0.009062:0.008121:0.007084:0.005409:0.004371
of the changes to the claims inflation assumption:@0.096314:0.569715:0.447117:0.569715:0.447117:0.559131:0.096314:0.559131:0.009349:0.004754:0.004866:0.005409:0.009030:0.008153:0.006047:0.007371:0.009030:0.007945:0.009030:0.009190:0.008344:0.006765:0.005121:0.005409:0.009126:0.005297:0.005409:0.009030:0.008073:0.005712:0.007371:0.003861:0.007834:0.003861:0.013434:0.006765:0.005584:0.003861:0.009030:0.004994:0.003606:0.008121:0.005233:0.003861:0.009158:0.009030:0.006414:0.008121:0.006573:0.006765:0.008775:0.013513:0.009381:0.005153:0.003861:0.009158:0.009030
Risk and uncertainty:@0.097153:0.599287:0.321454:0.599287:0.321454:0.583689:0.097153:0.583689:0.014436:0.006207:0.009734:0.012344:0.007218:0.012179:0.013684:0.014013:0.009311:0.014225:0.013989:0.011074:0.012720:0.009123:0.009146:0.012438:0.006677:0.013989:0.009146:0.012649
In  prior years, we have included a risk and  uncertainty :@0.096734:0.617823:0.484918:0.617823:0.484918:0.607238:0.096734:0.607238:0.003526:0.007387:0.004371:0.002425:0.009062:0.005297:0.003861:0.008727:0.005297:0.004371:0.007722:0.008344:0.008360:0.005552:0.006956:0.003462:0.005600:0.012173:0.008823:0.006461:0.008727:0.007722:0.007387:0.007977:0.006461:0.003861:0.008567:0.007052:0.003861:0.008727:0.009158:0.008057:0.009158:0.006382:0.006892:0.006461:0.005297:0.003861:0.006302:0.007467:0.005712:0.007802:0.008567:0.008982:0.004371:0.002521:0.009030:0.008855:0.007371:0.008344:0.005552:0.005409:0.008121:0.003861:0.009030:0.005409:0.007722:0.004371
margin  in our IBNR provisions to reflect the unquantifiable :@0.096734:0.632967:0.514705:0.632967:0.514705:0.622383:0.096734:0.622383:0.013274:0.007802:0.005377:0.009062:0.003861:0.008567:0.004371:0.002521:0.003271:0.007562:0.006461:0.009062:0.009030:0.005329:0.006047:0.003941:0.008392:0.011088:0.008823:0.006047:0.009158:0.005552:0.008982:0.007387:0.003861:0.006382:0.003861:0.008823:0.008727:0.006557:0.005297:0.005409:0.009030:0.005712:0.005552:0.008137:0.004994:0.003861:0.008344:0.007371:0.005233:0.004866:0.005409:0.009030:0.008073:0.006461:0.009030:0.009030:0.009573:0.009030:0.008121:0.009030:0.005409:0.003861:0.004994:0.003861:0.008121:0.009381:0.003861:0.008344:0.004371
risks that might affect our liabilities. This year, we :@0.096734:0.648111:0.450553:0.648111:0.450553:0.637527:0.096734:0.637527:0.005297:0.003861:0.006302:0.007467:0.006461:0.004866:0.005409:0.009365:0.008312:0.005409:0.006174:0.013737:0.003638:0.009397:0.008663:0.005409:0.005504:0.008121:0.004994:0.005281:0.008344:0.007690:0.005409:0.005249:0.009349:0.009030:0.005552:0.005536:0.003861:0.003861:0.007722:0.008982:0.003861:0.003526:0.003861:0.005121:0.003861:0.007897:0.006557:0.003462:0.006701:0.008360:0.008679:0.003861:0.006557:0.004786:0.007722:0.007818:0.007802:0.005297:0.003271:0.005632:0.011918:0.008647:0.004371
have decided to remove the risk and uncertainty :@0.096734:0.663136:0.444554:0.663136:0.444554:0.652551:0.096734:0.652551:0.008727:0.007722:0.007387:0.007977:0.005632:0.009062:0.008057:0.007132:0.003861:0.009078:0.008057:0.009158:0.006047:0.005409:0.009126:0.006047:0.005377:0.008057:0.013354:0.008982:0.007387:0.008057:0.005201:0.005409:0.009030:0.008153:0.006461:0.005297:0.003861:0.006302:0.007467:0.005712:0.007802:0.008567:0.008982:0.006461:0.009030:0.009030:0.007546:0.008344:0.005552:0.005409:0.008121:0.003861:0.009030:0.005409:0.007722:0.004371
margin to ensure that the provisions reflect our best :@0.096734:0.678280:0.470767:0.678280:0.470767:0.667696:0.096734:0.667696:0.013274:0.007802:0.005377:0.009062:0.003861:0.008567:0.006047:0.005409:0.009126:0.005632:0.008153:0.008823:0.006765:0.008679:0.005377:0.008153:0.005712:0.005409:0.009365:0.008312:0.005409:0.004914:0.005409:0.009030:0.008153:0.006047:0.009158:0.005552:0.008982:0.007387:0.003861:0.006382:0.003861:0.008823:0.008727:0.006557:0.006047:0.005552:0.008344:0.004994:0.003861:0.008153:0.007371:0.005409:0.005105:0.009062:0.009030:0.005329:0.006047:0.008982:0.007802:0.006382:0.005042:0.004371
estimate as a  result of our ongoing  refinements :@0.096314:0.693364:0.438582:0.693364:0.438582:0.682779:0.096314:0.682779:0.008344:0.006765:0.005217:0.003861:0.013513:0.008121:0.005233:0.008344:0.005935:0.007467:0.006206:0.005632:0.006892:0.004371:0.002425:0.005377:0.007977:0.006557:0.008727:0.003861:0.005042:0.005632:0.009349:0.004754:0.005201:0.009349:0.009030:0.005552:0.005121:0.009158:0.009030:0.009030:0.009062:0.003861:0.008727:0.009158:0.004371:0.002521:0.005552:0.008344:0.004994:0.003861:0.009030:0.008344:0.013449:0.008344:0.009030:0.005409:0.006765:0.004371
to our reserving processes.  Instead, the risk and :@0.095894:0.708508:0.437699:0.708508:0.437699:0.697924:0.095894:0.697924:0.005121:0.008982:0.005712:0.009158:0.008823:0.005377:0.006047:0.005297:0.007977:0.006557:0.007977:0.005377:0.007387:0.003861:0.008567:0.009062:0.006461:0.009158:0.005377:0.009062:0.007371:0.007913:0.006765:0.006414:0.008153:0.006557:0.003462:0.004371:0.002824:0.004244:0.008695:0.006765:0.005153:0.008153:0.008121:0.009094:0.003462:0.005935:0.005409:0.009030:0.008153:0.006461:0.005297:0.003861:0.006302:0.007467:0.005632:0.007642:0.008488:0.008903:0.004371
uncertainty inherent in the provision  is demonstrated :@0.096734:0.723592:0.476781:0.723592:0.476781:0.713007:0.096734:0.713007:0.009030:0.009030:0.007546:0.008344:0.005552:0.005409:0.008121:0.003861:0.009030:0.005409:0.007722:0.005584:0.003861:0.009030:0.009030:0.008344:0.005552:0.008344:0.009030:0.005409:0.005472:0.003271:0.007642:0.006047:0.005409:0.009030:0.008153:0.006382:0.008903:0.005201:0.008903:0.007307:0.003861:0.006302:0.003861:0.008727:0.008647:0.004371:0.002425:0.003191:0.005712:0.005632:0.009397:0.008344:0.013737:0.009158:0.009030:0.006589:0.005409:0.005552:0.007850:0.005409:0.008344:0.009174:0.004371
via  presentation of sensitivity analysis and the :@0.095558:0.738676:0.423579:0.738676:0.423579:0.728091:0.095558:0.728091:0.007227:0.003606:0.007642:0.004371:0.002521:0.009381:0.005552:0.007993:0.006765:0.008105:0.009030:0.005153:0.008121:0.005153:0.003861:0.009078:0.009030:0.006334:0.009349:0.004754:0.005201:0.006765:0.008344:0.008743:0.006765:0.003654:0.005409:0.003861:0.007435:0.003861:0.005201:0.007722:0.005217:0.008121:0.008759:0.008121:0.003638:0.007722:0.006382:0.003861:0.006557:0.005712:0.007802:0.008567:0.008982:0.005632:0.005409:0.009030:0.008153:0.004371
reasonable range covered  in the following material.:@0.096734:0.754117:0.461657:0.754117:0.461657:0.743532:0.096734:0.743532:0.005552:0.008137:0.008121:0.006493:0.009158:0.009030:0.007770:0.009381:0.003638:0.008153:0.006382:0.005377:0.008121:0.008679:0.009397:0.007977:0.005632:0.007132:0.008982:0.007387:0.007977:0.005552:0.007881:0.009062:0.004371:0.002521:0.003271:0.007562:0.006047:0.005409:0.009030:0.008153:0.005297:0.004994:0.009541:0.003861:0.004036:0.009349:0.011726:0.003861:0.009238:0.009397:0.006557:0.013737:0.007850:0.005409:0.008344:0.005313:0.003861:0.008121:0.003638:0.003462
Assumption of liabilities:@0.095894:0.780306:0.362610:0.780306:0.362610:0.764708:0.095894:0.764708:0.016294:0.010157:0.010157:0.014225:0.021137:0.014577:0.008934:0.006677:0.014060:0.014013:0.008488:0.014107:0.008817:0.008064:0.006466:0.006372:0.012344:0.014107:0.006677:0.006419:0.006466:0.008911:0.006677:0.012226:0.010345
 :@0.362314:0.780306:0.368756:0.780306:0.368756:0.764708:0.362314:0.764708:0.006442
upon cessation:@0.097153:0.801390:0.259948:0.801390:0.259948:0.785792:0.097153:0.785792:0.013519:0.013848:0.013613:0.013425:0.008488:0.011003:0.012508:0.010086:0.010086:0.012438:0.009146:0.006301:0.014107:0.014225
The NHS Act 2006 s.28A requires the Secretary of State :@0.095894:0.820222:0.496571:0.820222:0.496571:0.809638:0.095894:0.809638:0.008360:0.008855:0.008344:0.005935:0.010753:0.010243:0.007642:0.005632:0.010913:0.007642:0.005632:0.005632:0.008982:0.009062:0.008903:0.008903:0.006047:0.007227:0.003701:0.009158:0.009238:0.010993:0.005632:0.005377:0.008057:0.009158:0.008823:0.003861:0.005297:0.008057:0.006765:0.005073:0.005409:0.009030:0.008153:0.005632:0.008472:0.008344:0.007195:0.005552:0.008344:0.005409:0.008121:0.005552:0.007499:0.005297:0.009349:0.004754:0.005632:0.008472:0.005042:0.007897:0.005201:0.008057:0.004371
for Health and Social Care to exercise his statutory :@0.095894:0.835366:0.459046:0.835366:0.459046:0.824782:0.095894:0.824782:0.004994:0.009541:0.005552:0.006126:0.010913:0.007977:0.007802:0.003861:0.005042:0.008727:0.006047:0.007802:0.008647:0.008982:0.006461:0.008153:0.008982:0.007132:0.003861:0.007642:0.003861:0.006302:0.009876:0.008121:0.005552:0.008344:0.005552:0.005409:0.009126:0.005201:0.008344:0.007100:0.008153:0.005552:0.007132:0.003861:0.006557:0.008153:0.006047:0.008392:0.003526:0.006206:0.005632:0.006765:0.005409:0.007897:0.005409:0.009030:0.005409:0.009349:0.005552:0.007722:0.004371
powers to deal with the liabilities of a Special  Health :@0.096734:0.850450:0.472745:0.850450:0.472745:0.839866:0.096734:0.839866:0.009381:0.009174:0.011535:0.008344:0.005552:0.006765:0.005249:0.005409:0.009126:0.005201:0.008903:0.007897:0.007722:0.003861:0.005536:0.011918:0.004036:0.005632:0.009397:0.005632:0.005409:0.009030:0.008153:0.006461:0.003861:0.003526:0.007897:0.008982:0.003861:0.003861:0.003622:0.005409:0.003654:0.008057:0.006557:0.005632:0.009349:0.004754:0.005201:0.006892:0.006461:0.008232:0.009062:0.007977:0.007132:0.003861:0.007562:0.003861:0.004371:0.002680:0.010833:0.007897:0.007802:0.003861:0.004962:0.008647:0.004371
Authority,  if it ceases to exist. This includes the liabilities :@0.095558:0.865534:0.496985:0.865534:0.496985:0.854950:0.095558:0.854950:0.010291:0.008855:0.005409:0.009030:0.009349:0.005552:0.003861:0.005409:0.007722:0.003462:0.004371:0.002856:0.003526:0.004531:0.005632:0.003366:0.004707:0.005632:0.007371:0.007993:0.008121:0.006414:0.008344:0.006525:0.005201:0.005409:0.009126:0.005632:0.007977:0.007132:0.003861:0.006302:0.005409:0.003239:0.006382:0.008360:0.008855:0.003861:0.006765:0.005664:0.003861:0.009030:0.007100:0.003861:0.008823:0.009397:0.008073:0.006765:0.005153:0.005409:0.009030:0.008153:0.006047:0.003861:0.003606:0.007802:0.008982:0.003861:0.003526:0.003861:0.005121:0.003861:0.007818:0.006557:0.004371
assumed  by NHS Resolution in respect of all schemes.:@0.096314:0.880678:0.475867:0.880678:0.475867:0.870094:0.096314:0.870094:0.007897:0.006557:0.006765:0.008599:0.013434:0.008057:0.009158:0.004371:0.002521:0.008647:0.007052:0.005632:0.011088:0.010498:0.007897:0.006382:0.009317:0.008057:0.006765:0.008934:0.003861:0.008647:0.005409:0.003654:0.009062:0.008823:0.006461:0.003366:0.007977:0.006382:0.005377:0.008153:0.006765:0.009110:0.008153:0.007371:0.005137:0.005201:0.009349:0.005185:0.005201:0.007227:0.003446:0.003446:0.006461:0.006765:0.007004:0.009030:0.008009:0.013513:0.008153:0.006765:0.003462
Process and methodology for:@0.537224:0.107246:0.859216:0.107246:0.859216:0.091647:0.537224:0.091647:0.013684:0.008817:0.013684:0.010674:0.012014:0.009898:0.009828:0.007735:0.012179:0.013684:0.014013:0.009240:0.021325:0.012720:0.009146:0.013895:0.014201:0.014366:0.014201:0.006677:0.014154:0.014366:0.012649:0.006748:0.008723:0.014013:0.009358
 :@0.858913:0.107246:0.865356:0.107246:0.865356:0.091647:0.858913:0.091647:0.006442
setting the provision:@0.536468:0.128329:0.764225:0.128329:0.764225:0.112731:0.536468:0.112731:0.010086:0.012508:0.009146:0.008817:0.006466:0.014013:0.014272:0.007735:0.009146:0.014154:0.012720:0.008323:0.014201:0.009075:0.013848:0.012344:0.006466:0.009992:0.006372:0.013848:0.014225
NHS Resolution  has entered  into a  Memorandum of :@0.536905:0.149180:0.910842:0.149180:0.910842:0.138596:0.536905:0.138596:0.010993:0.010498:0.007897:0.006461:0.009317:0.008153:0.006557:0.008982:0.003861:0.008567:0.005409:0.003574:0.008982:0.008727:0.004371:0.002521:0.008647:0.007722:0.006557:0.005632:0.008057:0.008823:0.005201:0.008153:0.005377:0.008057:0.009158:0.004371:0.002521:0.003861:0.008567:0.005201:0.008982:0.005632:0.006797:0.004371:0.002936:0.014327:0.008344:0.013513:0.009349:0.005552:0.008121:0.009030:0.009397:0.009030:0.013737:0.005983:0.008903:0.004786:0.004371
Understanding with  Government Actuary's Department, :@0.536905:0.164859:0.939225:0.164859:0.939225:0.154275:0.536905:0.154275:0.010961:0.009030:0.009397:0.008057:0.005552:0.006765:0.005409:0.008121:0.008839:0.009397:0.003861:0.008823:0.009397:0.005217:0.011918:0.004036:0.005632:0.009397:0.004371:0.002521:0.010945:0.009541:0.007642:0.008567:0.005552:0.009317:0.013944:0.008567:0.009030:0.005584:0.004371:0.010291:0.007371:0.005600:0.009030:0.008121:0.005775:0.007722:0.003669:0.007004:0.005632:0.011184:0.008344:0.009381:0.008121:0.005552:0.005409:0.013737:0.008344:0.009030:0.005409:0.003462:0.004371
to assist with the preparation of financial statements :@0.536065:0.180241:0.915411:0.180241:0.915411:0.169657:0.536065:0.169657:0.005409:0.009126:0.005632:0.007802:0.006461:0.006557:0.003861:0.006382:0.005201:0.004866:0.011838:0.003861:0.005632:0.009238:0.006047:0.005409:0.009030:0.008153:0.006461:0.009381:0.005313:0.008153:0.009381:0.007754:0.005552:0.007881:0.005409:0.003861:0.009030:0.009030:0.005919:0.009349:0.005185:0.004786:0.004994:0.003861:0.009206:0.008121:0.009030:0.007371:0.003861:0.008121:0.003861:0.006493:0.006765:0.005409:0.007897:0.005409:0.008344:0.013737:0.008344:0.009030:0.005409:0.006765:0.004371
through actuarial analysis and  modelling of claims :@0.536065:0.195623:0.896824:0.195623:0.896824:0.185039:0.536065:0.185039:0.005409:0.009030:0.005552:0.009142:0.009030:0.009397:0.009030:0.005871:0.008121:0.007163:0.005409:0.009030:0.008121:0.005552:0.003861:0.008121:0.003861:0.006095:0.008121:0.008839:0.008121:0.003861:0.007499:0.006765:0.003654:0.006765:0.005153:0.007802:0.008647:0.008982:0.004371:0.002425:0.013354:0.009062:0.009158:0.008057:0.003861:0.003861:0.003622:0.008823:0.009158:0.006461:0.009349:0.004754:0.005201:0.007371:0.003622:0.007897:0.003861:0.013354:0.006765:0.004371
data. This is combined with  information  provided :@0.536485:0.211064:0.890304:0.211064:0.890304:0.200480:0.536485:0.200480:0.009397:0.008121:0.005233:0.008121:0.003462:0.006382:0.008360:0.008599:0.003861:0.006557:0.006047:0.003191:0.005712:0.005632:0.007371:0.009174:0.013513:0.009158:0.003861:0.008823:0.008153:0.009397:0.005552:0.011838:0.003861:0.005632:0.009238:0.004371:0.002521:0.003861:0.009030:0.004994:0.009158:0.005552:0.013737:0.008121:0.005409:0.003861:0.009078:0.009030:0.004371:0.002473:0.008903:0.005297:0.008823:0.007227:0.003861:0.008727:0.007897:0.008903:0.004371
by management on the current economic and :@0.536905:0.226446:0.867782:0.226446:0.867782:0.215862:0.536905:0.215862:0.008647:0.007052:0.005632:0.014024:0.008121:0.009030:0.008376:0.009397:0.008344:0.013992:0.008344:0.009206:0.005409:0.005345:0.008567:0.008312:0.006047:0.005409:0.009030:0.008153:0.005632:0.007371:0.009030:0.005552:0.005552:0.008520:0.009030:0.005409:0.005552:0.008344:0.007195:0.009349:0.009030:0.009349:0.013737:0.003861:0.007371:0.005153:0.007642:0.008488:0.008903:0.004371
claims environment in order to provide estimates for :@0.536485:0.241828:0.913023:0.241828:0.913023:0.231244:0.536485:0.231244:0.007371:0.003861:0.007834:0.003861:0.013434:0.006765:0.005249:0.008344:0.009206:0.007642:0.003861:0.005552:0.009349:0.009030:0.013737:0.008344:0.009030:0.005409:0.005967:0.003271:0.007642:0.006461:0.008982:0.005377:0.009158:0.008153:0.005377:0.005297:0.005121:0.008982:0.006047:0.009062:0.005377:0.008982:0.007387:0.003861:0.008903:0.007977:0.005632:0.008344:0.006765:0.005217:0.003861:0.013737:0.008121:0.005185:0.008344:0.006765:0.005042:0.004994:0.009349:0.005552:0.004371
management to consider in  relation to determining :@0.536905:0.257506:0.905386:0.257506:0.905386:0.246921:0.536905:0.246921:0.013737:0.008121:0.009206:0.008121:0.009397:0.008599:0.013737:0.008520:0.009030:0.005409:0.005217:0.005409:0.009126:0.005297:0.007371:0.009349:0.009030:0.006493:0.003861:0.009397:0.008153:0.005552:0.005616:0.003271:0.007642:0.004371:0.002521:0.005377:0.007977:0.003861:0.007642:0.005201:0.003861:0.008903:0.008727:0.006047:0.005409:0.009126:0.005632:0.009397:0.008153:0.005409:0.008344:0.005313:0.013513:0.003861:0.008727:0.003861:0.008823:0.009397:0.004371
the valuation of the liabilities for the accounts.:@0.536065:0.272888:0.866208:0.272888:0.866208:0.262303:0.536065:0.262303:0.005409:0.009030:0.008153:0.005201:0.007642:0.008121:0.003861:0.008839:0.008121:0.005409:0.003861:0.009349:0.009030:0.006302:0.009349:0.004754:0.005297:0.005409:0.009030:0.008073:0.006047:0.003861:0.003526:0.007897:0.008982:0.003861:0.003861:0.003622:0.005409:0.003654:0.008057:0.006557:0.005201:0.004994:0.009541:0.005552:0.005361:0.005409:0.009030:0.008153:0.005632:0.008121:0.007163:0.007371:0.009349:0.009030:0.009030:0.005409:0.006765:0.003462
NHS Resolution's Reserving and  Pricing Committee is :@0.536905:0.295160:0.915692:0.295160:0.915692:0.284575:0.536905:0.284575:0.010993:0.010498:0.007897:0.006461:0.009238:0.008057:0.006557:0.008982:0.003861:0.008647:0.005409:0.003654:0.008982:0.008727:0.003669:0.006414:0.006461:0.009158:0.007977:0.006557:0.007977:0.005297:0.007307:0.003861:0.008567:0.008982:0.006461:0.007802:0.008567:0.008982:0.004371:0.002521:0.008392:0.005201:0.003606:0.006972:0.003606:0.008567:0.008823:0.006382:0.010083:0.009349:0.013992:0.013737:0.004068:0.005409:0.005584:0.008344:0.008344:0.006573:0.003111:0.005377:0.004371
responsible for making decisions on the key judgements :@0.536905:0.310542:0.940533:0.310542:0.940533:0.299957:0.536905:0.299957:0.005377:0.008153:0.006765:0.009014:0.009062:0.008823:0.006557:0.003861:0.009078:0.003861:0.008057:0.005201:0.004994:0.009541:0.005552:0.006126:0.013434:0.007897:0.007929:0.003654:0.008727:0.009158:0.006461:0.009397:0.007977:0.007371:0.003622:0.006765:0.003861:0.009030:0.009030:0.006589:0.005201:0.008823:0.008567:0.005632:0.005409:0.009030:0.008153:0.006461:0.007562:0.007977:0.007387:0.004371:0.003861:0.009030:0.009397:0.009397:0.008615:0.013737:0.008520:0.009030:0.005409:0.006765:0.004371
and estimates.  This is supported  by the advice of :@0.536485:0.325924:0.886666:0.325924:0.886666:0.315339:0.536485:0.315339:0.007802:0.008567:0.008982:0.006461:0.008344:0.006765:0.005121:0.003861:0.013513:0.008121:0.005233:0.008344:0.006765:0.003287:0.004371:0.002425:0.008360:0.008679:0.003861:0.006557:0.006047:0.003191:0.005632:0.005632:0.006765:0.008775:0.009158:0.009158:0.009062:0.005377:0.005409:0.008105:0.009158:0.004371:0.002521:0.008647:0.007052:0.004866:0.005409:0.009030:0.008073:0.006047:0.007897:0.009158:0.007467:0.003861:0.007052:0.008153:0.005632:0.008903:0.004786:0.004371
the actuaries alongside the  Preparatory Reserving :@0.536065:0.341305:0.890267:0.341305:0.890267:0.330721:0.536065:0.330721:0.005409:0.009030:0.008153:0.006047:0.008121:0.007371:0.005409:0.009030:0.008121:0.005552:0.003861:0.008344:0.006765:0.005105:0.008121:0.003861:0.009094:0.009030:0.009190:0.006765:0.003861:0.009190:0.008344:0.005089:0.005409:0.009030:0.008153:0.004371:0.002521:0.008647:0.005377:0.008344:0.009030:0.007897:0.005552:0.007881:0.005409:0.009030:0.005552:0.007467:0.006047:0.009062:0.007897:0.006461:0.007897:0.005297:0.007307:0.003861:0.008488:0.008982:0.004371
Group, which  reports into the Reserving and  Pricing :@0.536905:0.356686:0.908800:0.356686:0.908800:0.346102:0.536905:0.346102:0.010945:0.005552:0.009349:0.009030:0.009620:0.003462:0.005600:0.011758:0.009317:0.003861:0.007642:0.009317:0.004371:0.002521:0.005552:0.007961:0.009062:0.008982:0.005377:0.005409:0.006430:0.006047:0.003861:0.008567:0.005121:0.008982:0.005297:0.005409:0.009030:0.008153:0.006382:0.009238:0.007977:0.006557:0.007977:0.005297:0.007307:0.003861:0.008567:0.008982:0.006461:0.007802:0.008567:0.008982:0.004371:0.002856:0.008232:0.005201:0.003606:0.006892:0.003606:0.008488:0.008727:0.004371
Committee and brings together colleagues from :@0.536485:0.372127:0.883874:0.372127:0.883874:0.361543:0.536485:0.361543:0.010083:0.009349:0.013992:0.013737:0.004068:0.005409:0.005584:0.008344:0.008344:0.006158:0.007802:0.008567:0.008982:0.006461:0.009062:0.005377:0.003861:0.008647:0.009158:0.006765:0.005073:0.005409:0.009349:0.009397:0.008344:0.005616:0.009030:0.008520:0.005552:0.005281:0.007371:0.009094:0.003861:0.003861:0.008344:0.007945:0.009397:0.009030:0.008105:0.006765:0.005249:0.004786:0.005552:0.008982:0.013354:0.004371
across the organisation to scrutinise the analysis.:@0.536485:0.387806:0.880811:0.387806:0.880811:0.377222:0.536485:0.377222:0.007897:0.007132:0.005377:0.009158:0.006557:0.006765:0.005073:0.005409:0.009030:0.008153:0.005632:0.009349:0.005552:0.009206:0.008121:0.008839:0.003861:0.006765:0.008121:0.005185:0.003861:0.009349:0.009030:0.005887:0.005409:0.009126:0.005201:0.006765:0.007179:0.005552:0.009030:0.005153:0.003861:0.009030:0.003861:0.006765:0.008137:0.005201:0.005409:0.009030:0.008153:0.006047:0.007802:0.008727:0.007897:0.003861:0.007387:0.006557:0.003861:0.006557:0.003462
In addition to the discount rate, there are other factors :@0.536905:0.409722:0.931040:0.409722:0.931040:0.399138:0.536905:0.399138:0.003446:0.007387:0.006461:0.007897:0.009397:0.008998:0.003861:0.005409:0.003669:0.009158:0.009030:0.005919:0.005121:0.008982:0.005201:0.005409:0.009030:0.008153:0.006047:0.009397:0.003861:0.006765:0.007100:0.009349:0.009030:0.008823:0.005409:0.005935:0.005552:0.007881:0.005409:0.008025:0.003462:0.005935:0.005409:0.009030:0.008153:0.005552:0.008137:0.006047:0.007802:0.005297:0.007897:0.005632:0.009349:0.005409:0.008839:0.008344:0.005552:0.005249:0.004994:0.008121:0.007371:0.005409:0.009349:0.005552:0.006765:0.004371
that influence the provision that are also outside NHS :@0.536065:0.425401:0.920485:0.425401:0.920485:0.414816:0.536065:0.414816:0.005409:0.009365:0.008312:0.005409:0.005760:0.003861:0.009238:0.004994:0.003861:0.009030:0.008344:0.009030:0.007371:0.008344:0.005281:0.005409:0.009030:0.008073:0.006461:0.008903:0.005201:0.008903:0.007307:0.003861:0.006302:0.003861:0.008727:0.008647:0.006047:0.005409:0.009365:0.008312:0.005409:0.005345:0.007722:0.005297:0.007897:0.006047:0.007897:0.003861:0.006302:0.008982:0.005632:0.009158:0.009030:0.005153:0.006765:0.003861:0.009110:0.008153:0.006047:0.010913:0.010322:0.007722:0.004371
Resolution's control; for example, patients (and their :@0.537241:0.440782:0.912774:0.440782:0.912774:0.430197:0.537241:0.430197:0.009238:0.008057:0.006557:0.008982:0.003861:0.008647:0.005409:0.003654:0.008982:0.008823:0.003669:0.006414:0.005632:0.007371:0.009174:0.009030:0.005409:0.005297:0.009349:0.003861:0.003462:0.005919:0.004994:0.009780:0.005552:0.005440:0.008344:0.007323:0.008121:0.013737:0.009381:0.003861:0.008344:0.003462:0.006701:0.009381:0.007913:0.005409:0.003861:0.008105:0.009030:0.005409:0.006557:0.005632:0.004611:0.007802:0.008727:0.009062:0.005632:0.005409:0.009030:0.008344:0.003861:0.005552:0.004371
legal  representatives) have an element of control over :@0.536905:0.456223:0.922186:0.456223:0.922186:0.445638:0.536905:0.445638:0.003526:0.007802:0.008823:0.007642:0.003606:0.004371:0.002521:0.005377:0.008344:0.009126:0.005552:0.008344:0.006509:0.008344:0.008791:0.005409:0.007945:0.005409:0.003654:0.007642:0.008344:0.006525:0.004818:0.005935:0.008727:0.007722:0.007387:0.007977:0.006047:0.007642:0.008488:0.006047:0.008344:0.003861:0.008536:0.013737:0.008344:0.009030:0.005409:0.005217:0.009349:0.005185:0.005201:0.007052:0.009062:0.008823:0.005201:0.005377:0.009062:0.003861:0.006382:0.008903:0.007307:0.007977:0.005297:0.004371
the timing of the reporting of claims. The Reserving :@0.536065:0.471605:0.907211:0.471605:0.907211:0.461020:0.536065:0.461020:0.005409:0.009030:0.008153:0.005632:0.005201:0.003861:0.013354:0.003861:0.008823:0.009397:0.006302:0.009349:0.004754:0.004786:0.005409:0.009030:0.008153:0.006461:0.005552:0.007961:0.009062:0.008982:0.005377:0.005409:0.003574:0.008647:0.009062:0.006461:0.009349:0.004754:0.005297:0.007371:0.003861:0.007738:0.003861:0.013434:0.006765:0.003462:0.006238:0.008360:0.008855:0.008344:0.006685:0.009158:0.007897:0.006461:0.007897:0.005297:0.007307:0.003861:0.008488:0.008982:0.004371
and  Pricing Committee keeps all the factors affecting :@0.536485:0.486985:0.918160:0.486985:0.918160:0.476401:0.536485:0.476401:0.007802:0.008567:0.008982:0.004371:0.002936:0.008392:0.005201:0.003606:0.006972:0.003606:0.008488:0.008823:0.006047:0.010083:0.009349:0.014167:0.013944:0.003861:0.005632:0.005409:0.008536:0.008344:0.006190:0.007722:0.008344:0.008025:0.009158:0.006765:0.005488:0.007227:0.003446:0.003446:0.005632:0.005409:0.009030:0.008153:0.005632:0.004994:0.008121:0.007371:0.005409:0.009620:0.005552:0.006956:0.005632:0.008121:0.004994:0.004994:0.008089:0.007371:0.005217:0.003861:0.009030:0.009190:0.004371
the calculation of provisions under review to ensure :@0.536065:0.502367:0.908104:0.502367:0.908104:0.491783:0.536065:0.491783:0.005409:0.009030:0.008153:0.006047:0.007371:0.008121:0.003654:0.007371:0.009030:0.003669:0.008121:0.005233:0.003861:0.009158:0.009030:0.006414:0.009349:0.004754:0.006047:0.009158:0.005552:0.008982:0.007387:0.003861:0.006382:0.003861:0.008823:0.008727:0.006557:0.005632:0.009030:0.008855:0.009397:0.008344:0.005552:0.005600:0.005552:0.008344:0.007642:0.003861:0.008615:0.011535:0.004834:0.005409:0.009126:0.005201:0.008057:0.009030:0.006509:0.008823:0.005552:0.008057:0.004371
that the final provisions reflect the experience of the :@0.536065:0.518046:0.912842:0.518046:0.912842:0.507462:0.536065:0.507462:0.005409:0.009365:0.008312:0.005409:0.004914:0.005409:0.009030:0.008153:0.005632:0.004994:0.003861:0.008775:0.008121:0.003861:0.006653:0.009158:0.005377:0.008982:0.007387:0.003861:0.006461:0.003861:0.008903:0.008823:0.006557:0.006047:0.005552:0.008137:0.004994:0.003861:0.008025:0.007371:0.005217:0.005201:0.005409:0.009030:0.008153:0.005632:0.008344:0.007323:0.009381:0.008344:0.005552:0.003861:0.008073:0.009030:0.007371:0.008121:0.005632:0.009349:0.005185:0.004786:0.005409:0.008695:0.008057:0.004371
organisation and are adjusted  in a timely manner.:@0.536485:0.533427:0.887687:0.533427:0.887687:0.522842:0.536485:0.522842:0.009349:0.005552:0.009206:0.008121:0.008839:0.003861:0.006765:0.008121:0.005185:0.003861:0.009349:0.009030:0.006222:0.007802:0.008647:0.008982:0.006047:0.007722:0.005297:0.007897:0.006047:0.008121:0.009094:0.003861:0.008647:0.006765:0.005073:0.008153:0.009158:0.004371:0.002521:0.003271:0.007562:0.006461:0.006892:0.005632:0.005409:0.003861:0.013737:0.008153:0.003861:0.007722:0.005632:0.013274:0.007802:0.008727:0.008647:0.008057:0.005377:0.003462
The methodologies for the three key elements:@0.536065:0.556123:0.901906:0.556123:0.901906:0.544982:0.536065:0.544982:0.009841:0.009892:0.008901:0.005626:0.015115:0.008901:0.006533:0.009925:0.010261:0.010228:0.010261:0.004770:0.009992:0.010395:0.004770:0.008850:0.007389:0.005122:0.006432:0.010261:0.006684:0.004417:0.006533:0.010110:0.009086:0.005340:0.006533:0.010110:0.006684:0.008834:0.009086:0.005945:0.009153:0.008901:0.009035:0.005156:0.008901:0.004770:0.009086:0.015031:0.009086:0.009976:0.006533:0.007389
 :@0.901671:0.556123:0.906273:0.556123:0.906273:0.544982:0.901671:0.544982:0.004602
in NHS Resolution's provisions are as follows::@0.536905:0.571505:0.891880:0.571505:0.891880:0.560363:0.536905:0.560363:0.004282:0.008985:0.006466:0.011924:0.011504:0.008397:0.006466:0.010496:0.008649:0.007137:0.009908:0.004770:0.009673:0.006298:0.004770:0.009757:0.009825:0.004702:0.007137:0.006382:0.010244:0.006684:0.009858:0.008901:0.004770:0.007154:0.004770:0.009925:0.009908:0.007389:0.005458:0.008649:0.006382:0.008733:0.005710:0.008649:0.007053:0.005206:0.006432:0.010446:0.004770:0.004770:0.010261:0.013385:0.007389:0.004551
•  Known claims :@0.536905:0.593182:0.674129:0.593182:0.674129:0.582041:0.536905:0.582041:0.006382:0.004635:0.012747:0.010899:0.010160:0.010261:0.013603:0.010160:0.005794:0.008061:0.004450:0.008733:0.004770:0.014796:0.007137:0.004635
-  The provision is based on the case :@0.674278:0.593057:0.934254:0.593057:0.934254:0.582473:0.674278:0.582473:0.006382:0.002521:0.004371:0.008360:0.008855:0.008344:0.006350:0.009062:0.005297:0.008903:0.007307:0.003861:0.006382:0.003861:0.008727:0.008647:0.006461:0.003366:0.005871:0.005712:0.008982:0.007642:0.006461:0.007897:0.008903:0.006461:0.008567:0.008312:0.006047:0.005409:0.009030:0.008153:0.005632:0.007132:0.007802:0.006557:0.007977:0.004371
estimates of individual reported claims received  by :@0.560249:0.608735:0.922140:0.608735:0.922140:0.598151:0.560249:0.598151:0.008344:0.006765:0.005217:0.003861:0.013737:0.008121:0.005409:0.008344:0.006765:0.005153:0.009349:0.004754:0.006047:0.003861:0.008647:0.009062:0.003861:0.007307:0.003861:0.009078:0.008823:0.007897:0.003861:0.006717:0.005297:0.007977:0.009062:0.008982:0.005297:0.005201:0.007977:0.009062:0.006461:0.007371:0.003861:0.007834:0.003861:0.013434:0.006765:0.005664:0.005377:0.007977:0.007052:0.008057:0.003861:0.007132:0.007977:0.008982:0.004371:0.002425:0.008392:0.006972:0.004371
NHS Resolution.  The case estimates are adjusted for::@0.560668:0.624117:0.932308:0.624117:0.932308:0.613532:0.560668:0.613532:0.010993:0.010498:0.007897:0.006461:0.009541:0.008089:0.006765:0.008934:0.003861:0.008647:0.005409:0.003654:0.009062:0.008823:0.003462:0.004371:0.002409:0.008360:0.008775:0.008344:0.005504:0.007132:0.007802:0.006557:0.007977:0.006047:0.008344:0.006765:0.005217:0.003861:0.013737:0.007929:0.005409:0.008105:0.006765:0.005584:0.007802:0.005297:0.007897:0.005632:0.008121:0.009174:0.003861:0.008727:0.006765:0.005409:0.007977:0.009397:0.005887:0.004707:0.009062:0.005377:0.003462
-   the case handlers' estimated probability :@0.554623:0.646330:0.861312:0.646330:0.861312:0.635745:0.554623:0.635745:0.006382:0.002441:0.004371:0.006541:0.005409:0.009030:0.008153:0.005632:0.007132:0.007897:0.006765:0.008009:0.006047:0.009030:0.008121:0.009030:0.009174:0.003861:0.008344:0.005345:0.006765:0.003669:0.006446:0.008153:0.006765:0.005409:0.003606:0.013513:0.008121:0.005153:0.008153:0.009397:0.006637:0.009158:0.005377:0.009062:0.009158:0.007802:0.009158:0.003861:0.003861:0.003622:0.005409:0.007355:0.004371
of each claim being successful,:@0.574775:0.661710:0.792408:0.661710:0.792408:0.651126:0.574775:0.651126:0.009349:0.004754:0.005201:0.008057:0.007897:0.007132:0.008727:0.006461:0.007132:0.003861:0.007722:0.003861:0.013274:0.006461:0.008982:0.007977:0.003861:0.008488:0.008982:0.006047:0.006765:0.008855:0.007371:0.007371:0.008344:0.006765:0.006589:0.004994:0.009030:0.003861:0.003462
-   expected future claims inflation to settlement,:@0.554623:0.682260:0.901374:0.682260:0.901374:0.671676:0.554623:0.671676:0.006382:0.002441:0.004371:0.006972:0.008057:0.007323:0.009046:0.008344:0.007020:0.005409:0.008105:0.009158:0.006047:0.004994:0.009030:0.005409:0.009285:0.005552:0.008344:0.005760:0.007371:0.003861:0.007834:0.003861:0.013434:0.006765:0.005999:0.003861:0.008823:0.004994:0.003654:0.008121:0.005153:0.003861:0.009078:0.009030:0.005919:0.005409:0.009126:0.005632:0.006765:0.008344:0.005217:0.005409:0.003861:0.008344:0.013737:0.008344:0.009030:0.005409:0.003462
-   the likelihood that they will go on to settle :@0.554623:0.702809:0.881447:0.702809:0.881447:0.692225:0.554623:0.692225:0.006382:0.002441:0.004371:0.006541:0.005409:0.009030:0.008153:0.006047:0.003861:0.003606:0.007642:0.008153:0.003861:0.003861:0.008567:0.009158:0.009062:0.009158:0.006047:0.005409:0.009365:0.008312:0.005409:0.004914:0.005409:0.009030:0.008344:0.007722:0.004595:0.011535:0.003861:0.003861:0.004084:0.006461:0.008903:0.008823:0.005632:0.008567:0.008392:0.006047:0.005409:0.009126:0.005201:0.006557:0.007977:0.005201:0.005409:0.003574:0.007977:0.004371
under a  periodical payment regime -  with part :@0.575195:0.718190:0.910364:0.718190:0.910364:0.707605:0.575195:0.707605:0.009030:0.008775:0.009397:0.007977:0.005552:0.005201:0.006797:0.004371:0.002521:0.009062:0.008057:0.005377:0.003861:0.008903:0.009062:0.003861:0.007052:0.007897:0.003861:0.006717:0.009381:0.008121:0.007514:0.013737:0.008344:0.008823:0.005409:0.005584:0.005297:0.008057:0.009062:0.003861:0.013274:0.008057:0.005201:0.006382:0.002521:0.004036:0.011918:0.004036:0.005632:0.009397:0.006461:0.008982:0.007802:0.005377:0.005201:0.004371
of the claim  paid over the life of the claimant :@0.574775:0.733570:0.900818:0.733570:0.900818:0.722986:0.574775:0.722986:0.009349:0.004754:0.004786:0.005409:0.009030:0.008153:0.006047:0.007132:0.003861:0.007562:0.003861:0.013098:0.004371:0.002425:0.008823:0.007467:0.003606:0.008727:0.006461:0.008982:0.007387:0.008057:0.005377:0.005201:0.005409:0.009030:0.008153:0.006047:0.003861:0.003526:0.004786:0.007977:0.005632:0.009349:0.004754:0.005297:0.005409:0.009030:0.008153:0.005632:0.007371:0.004052:0.008121:0.003861:0.013737:0.008121:0.009030:0.005409:0.004371
as a  regular stream of compensation  income :@0.574775:0.748951:0.895122:0.748951:0.895122:0.738367:0.574775:0.738367:0.007467:0.006206:0.005632:0.006892:0.004371:0.002425:0.005377:0.008057:0.009397:0.008743:0.003861:0.007897:0.005552:0.005201:0.006765:0.005153:0.005377:0.008057:0.007897:0.013434:0.006461:0.009349:0.004754:0.005297:0.007371:0.009349:0.013737:0.009174:0.008344:0.009030:0.006557:0.008121:0.005409:0.003861:0.009142:0.009030:0.004371:0.002473:0.003861:0.008727:0.007132:0.009158:0.013354:0.008153:0.004371
rather than  purely as a  lump sum, and:@0.575195:0.764333:0.846163:0.764333:0.846163:0.753749:0.575195:0.753749:0.005552:0.008121:0.005137:0.009030:0.008344:0.005297:0.005201:0.005409:0.008775:0.008121:0.008759:0.004371:0.002521:0.009158:0.008727:0.005377:0.008153:0.003861:0.007387:0.005297:0.007722:0.006382:0.005201:0.006892:0.004371:0.002425:0.003861:0.008567:0.013178:0.009062:0.006047:0.006765:0.008855:0.013737:0.003462:0.006318:0.007642:0.008488:0.009397
-   the assumed additional cost if the case were :@0.554623:0.784885:0.894258:0.784885:0.894258:0.774301:0.554623:0.774301:0.006382:0.002441:0.004371:0.006541:0.005409:0.009030:0.008153:0.005632:0.008121:0.006414:0.006765:0.008679:0.013513:0.008153:0.009397:0.006302:0.007897:0.009158:0.009158:0.003861:0.005409:0.003669:0.009158:0.009030:0.007770:0.003861:0.006382:0.007371:0.008918:0.006765:0.005153:0.006047:0.003526:0.004531:0.004866:0.005409:0.009030:0.008153:0.006047:0.007132:0.007722:0.006557:0.007977:0.005201:0.011758:0.008344:0.005760:0.008344:0.004371
to settle as a  periodic payment order (PPO).:@0.574356:0.800266:0.881795:0.800266:0.881795:0.789682:0.574356:0.789682:0.005121:0.008982:0.005632:0.006765:0.008009:0.005201:0.005409:0.003654:0.008057:0.006047:0.007467:0.006206:0.005632:0.006892:0.004371:0.002425:0.009158:0.008153:0.005377:0.003861:0.008982:0.009158:0.003861:0.007132:0.005632:0.009381:0.008121:0.007722:0.013737:0.008344:0.009030:0.005409:0.005185:0.008982:0.005377:0.009158:0.008153:0.005377:0.005712:0.004531:0.008488:0.008312:0.011248:0.004531:0.003462
A further adjustment has been applied to the :@0.535645:0.827646:0.863299:0.827646:0.863299:0.817061:0.535645:0.817061:0.011344:0.004786:0.004994:0.009365:0.005552:0.005696:0.009317:0.008567:0.005552:0.005791:0.008121:0.009605:0.003861:0.009030:0.006765:0.005409:0.013737:0.008344:0.009206:0.005409:0.005584:0.008647:0.007722:0.006557:0.006047:0.008903:0.007977:0.007977:0.008647:0.006461:0.007897:0.008982:0.009062:0.003861:0.003526:0.007977:0.009062:0.006047:0.005409:0.009030:0.005297:0.005409:0.008695:0.008057:0.004371
2021/22  known claims provision as a whole,  and to :@0.536485:0.843026:0.908811:0.843026:0.908811:0.832442:0.536485:0.832442:0.008599:0.008950:0.008599:0.008950:0.006222:0.008807:0.008599:0.004371:0.002569:0.007929:0.009206:0.009349:0.011902:0.009238:0.006382:0.007371:0.003622:0.007897:0.003861:0.013354:0.006765:0.005919:0.009062:0.005297:0.008903:0.007307:0.003861:0.006382:0.003861:0.008727:0.008647:0.006047:0.007722:0.006382:0.005712:0.006797:0.005632:0.011918:0.009397:0.009652:0.004036:0.008647:0.003462:0.004371:0.002585:0.007802:0.008567:0.008982:0.005632:0.005121:0.008982:0.004371
the CNST provision only for 2020/21  (on grounds :@0.536065:0.858407:0.891990:0.858407:0.891990:0.847823:0.536065:0.847823:0.005409:0.009030:0.008153:0.006047:0.009876:0.011710:0.008472:0.008360:0.005504:0.009062:0.005297:0.008903:0.007307:0.003861:0.006382:0.003861:0.008727:0.008647:0.006461:0.009158:0.009030:0.003654:0.007722:0.004707:0.004994:0.009541:0.005552:0.005281:0.008599:0.008599:0.008248:0.008599:0.006015:0.008392:0.008392:0.004371:0.004116:0.004451:0.008823:0.008488:0.006461:0.009158:0.005377:0.009158:0.009030:0.008695:0.009397:0.006477:0.004371
of materiality) to align the profile of case estimates :@0.536485:0.873848:0.902397:0.873848:0.902397:0.863264:0.536485:0.863264:0.009349:0.004754:0.006047:0.013737:0.007929:0.005409:0.008344:0.005313:0.003861:0.008121:0.003638:0.003861:0.005201:0.007722:0.004627:0.005297:0.005409:0.009030:0.005712:0.007722:0.003861:0.003526:0.008903:0.008567:0.006047:0.005409:0.009030:0.008153:0.006047:0.008982:0.005377:0.009062:0.004994:0.003654:0.003861:0.007977:0.006047:0.009349:0.004754:0.005297:0.007132:0.007897:0.006765:0.008009:0.005632:0.008344:0.006765:0.005217:0.003861:0.013737:0.007929:0.005409:0.008105:0.006765:0.004371
settlement dates with an actuarial view of the :@0.536485:0.889290:0.866915:0.889290:0.866915:0.878705:0.536485:0.878705:0.006765:0.008520:0.005409:0.005409:0.003861:0.008344:0.013928:0.008344:0.009030:0.005409:0.005185:0.009397:0.007897:0.005409:0.008025:0.006765:0.004818:0.011758:0.003861:0.005712:0.009317:0.006461:0.007642:0.008488:0.006047:0.008121:0.007163:0.005409:0.009030:0.008121:0.005552:0.003861:0.008121:0.003861:0.005249:0.008153:0.004036:0.008727:0.012093:0.005297:0.009349:0.004754:0.005201:0.005409:0.008695:0.008057:0.004371
expected timing of settlement of the provision.:@0.536485:0.904909:0.869579:0.904909:0.869579:0.894325:0.536485:0.894325:0.008344:0.007323:0.009014:0.008344:0.007100:0.005409:0.008105:0.009397:0.005472:0.005409:0.003654:0.013737:0.003638:0.009030:0.009397:0.005919:0.009349:0.004994:0.005393:0.006765:0.008520:0.005409:0.005409:0.003861:0.008344:0.013928:0.008344:0.009030:0.005409:0.005185:0.009349:0.004754:0.005201:0.005409:0.009030:0.008153:0.006047:0.009062:0.005377:0.008982:0.007387:0.003861:0.006382:0.003861:0.008823:0.008727:0.003462