140:@0.049227:0.056159:0.070638:0.056159:0.070638:0.047246:0.049227:0.047246:0.006882:0.006801:0.007728
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
Condition 3: :@0.048387:0.102269:0.147782:0.102269:0.147782:0.091127:0.048387:0.091127:0.010484:0.009929:0.009913:0.010165:0.004772:0.006317:0.004772:0.009929:0.009913:0.006048:0.008485:0.004032:0.004637
the inflation rates instead applied should :@0.148774:0.102144:0.442712:0.102144:0.442712:0.091560:0.148774:0.091560:0.005411:0.009034:0.008156:0.006464:0.003863:0.008826:0.004996:0.003655:0.008124:0.005155:0.003863:0.009082:0.009034:0.006672:0.005379:0.007901:0.005203:0.008060:0.006560:0.006049:0.003863:0.008571:0.006464:0.005411:0.007949:0.007901:0.009066:0.006384:0.007805:0.009066:0.009162:0.003863:0.003863:0.007901:0.009162:0.006049:0.006464:0.008651:0.008986:0.008731:0.003863:0.008906:0.004373
be based on logical and  relevant calculations and :@0.048807:0.117526:0.401546:0.117526:0.401546:0.106941:0.048807:0.106941:0.008571:0.007566:0.006464:0.008986:0.007645:0.006464:0.007901:0.008906:0.006049:0.008731:0.008571:0.006464:0.003863:0.008826:0.008986:0.003863:0.006895:0.007805:0.003863:0.005890:0.007805:0.008651:0.008986:0.004373:0.002426:0.005554:0.008140:0.003863:0.008348:0.007645:0.007869:0.009034:0.005411:0.005044:0.007374:0.008124:0.003863:0.007374:0.009034:0.003863:0.008124:0.005411:0.003863:0.009353:0.009034:0.006767:0.005682:0.007645:0.008491:0.008906:0.004373
reasonable underlying assumptions.  For example, they :@0.048807:0.133205:0.439118:0.133205:0.439118:0.122620:0.048807:0.122620:0.005554:0.008140:0.008124:0.006767:0.009050:0.009034:0.007853:0.009385:0.003639:0.008348:0.005938:0.009034:0.008603:0.009162:0.008156:0.005379:0.003863:0.007486:0.003863:0.008731:0.009162:0.006464:0.008124:0.006767:0.006767:0.008747:0.013742:0.009385:0.005411:0.003863:0.009178:0.009034:0.006592:0.003464:0.004373:0.002921:0.007390:0.008731:0.005203:0.005299:0.008348:0.007534:0.008124:0.013742:0.009385:0.003863:0.008348:0.003464:0.006081:0.005411:0.009034:0.008156:0.007725:0.004373
may be comparable to existing financial indices or based :@0.048807:0.148585:0.453994:0.148585:0.453994:0.138001:0.048807:0.138001:0.013519:0.007901:0.007725:0.005554:0.008571:0.007566:0.005634:0.007374:0.009178:0.013742:0.009385:0.008124:0.005554:0.008124:0.009385:0.003863:0.008348:0.005219:0.005411:0.009130:0.005634:0.007981:0.007135:0.003863:0.006464:0.005411:0.003655:0.008731:0.009162:0.006049:0.004996:0.003863:0.009210:0.008124:0.009034:0.007374:0.003863:0.008124:0.003863:0.006496:0.003863:0.008731:0.009066:0.003863:0.007135:0.008348:0.006528:0.005299:0.009066:0.005379:0.005714:0.008906:0.007566:0.006384:0.007805:0.008826:0.004373
on  historical trends.  The claims inflation assumptions :@0.048387:0.164027:0.428164:0.164027:0.428164:0.153442:0.048387:0.153442:0.008571:0.008395:0.004373:0.002426:0.008731:0.003863:0.006464:0.005411:0.008954:0.005379:0.003863:0.007055:0.007805:0.003863:0.005969:0.005411:0.005347:0.008348:0.008699:0.009401:0.006560:0.003464:0.004373:0.002410:0.008364:0.008779:0.008348:0.005602:0.007135:0.003863:0.007821:0.003863:0.013359:0.006767:0.005922:0.003863:0.009034:0.004996:0.003607:0.008124:0.005235:0.003863:0.009162:0.009034:0.006416:0.008124:0.006416:0.006767:0.008858:0.013742:0.009194:0.005411:0.003655:0.009353:0.009034:0.006560:0.004373
adopted  have been based on  historical claims data :@0.048387:0.179468:0.411995:0.179468:0.411995:0.168883:0.048387:0.168883:0.008124:0.009098:0.009066:0.009162:0.005411:0.008028:0.009162:0.004373:0.002522:0.008731:0.007725:0.007390:0.007981:0.006464:0.008986:0.007901:0.007901:0.008651:0.006464:0.008986:0.007645:0.006464:0.007901:0.008906:0.006464:0.008571:0.008395:0.004373:0.002426:0.008731:0.003863:0.006464:0.005411:0.008954:0.005379:0.003863:0.007055:0.007805:0.003863:0.006384:0.007374:0.003863:0.007837:0.003863:0.013439:0.006767:0.005251:0.009066:0.007805:0.005123:0.007805:0.004373
as well as making  references to historical  levels of :@0.048387:0.194909:0.405579:0.194909:0.405579:0.184325:0.048387:0.184325:0.007725:0.006384:0.004868:0.011540:0.008539:0.003863:0.003863:0.006464:0.007725:0.006384:0.006049:0.013359:0.007901:0.007933:0.003655:0.008731:0.009162:0.004373:0.002522:0.005379:0.008348:0.004996:0.008076:0.005554:0.008348:0.008779:0.007374:0.008172:0.006767:0.005251:0.005411:0.009130:0.006049:0.008731:0.003863:0.006384:0.005411:0.008954:0.005379:0.003863:0.007055:0.007805:0.003863:0.004373:0.002426:0.003863:0.007725:0.007230:0.007901:0.003607:0.006384:0.005634:0.008906:0.004788:0.004373
other indices, such as the Annual Survey of Flours and :@0.048387:0.210172:0.437405:0.210172:0.437405:0.199588:0.048387:0.199588:0.009353:0.005411:0.008842:0.008348:0.005554:0.006001:0.003863:0.008731:0.009066:0.003863:0.007135:0.008348:0.006432:0.003464:0.006368:0.006560:0.008651:0.007135:0.008731:0.006384:0.007725:0.006384:0.004868:0.005411:0.009034:0.008156:0.005203:0.010582:0.009034:0.009369:0.009034:0.008443:0.003863:0.006560:0.008475:0.008747:0.005554:0.007470:0.008156:0.007725:0.005123:0.009353:0.004756:0.006384:0.007310:0.003863:0.008731:0.008651:0.005299:0.006464:0.005714:0.007645:0.008491:0.008826:0.004373
Earnings (ASFIE),  and assumptions for price inflation.:@0.049227:0.225851:0.422380:0.225851:0.422380:0.215267:0.049227:0.215267:0.008076:0.008124:0.005299:0.009034:0.003655:0.009034:0.009401:0.006592:0.005634:0.004820:0.010055:0.008475:0.007789:0.003974:0.008076:0.004820:0.003240:0.004373:0.002522:0.007805:0.008571:0.008986:0.006049:0.008124:0.006767:0.006767:0.009034:0.013742:0.009162:0.005411:0.003863:0.009353:0.008842:0.006767:0.005331:0.004996:0.009545:0.005554:0.005698:0.009066:0.005299:0.003863:0.006895:0.007981:0.006384:0.003863:0.009034:0.004996:0.003607:0.008124:0.005235:0.003863:0.009082:0.009034:0.003464
As a  result the claims inflation assumptions are derived by::@0.047547:0.247826:0.462933:0.247826:0.462933:0.237242:0.047547:0.237242:0.010758:0.007055:0.005203:0.006895:0.004373:0.002426:0.005379:0.007981:0.006560:0.008731:0.003863:0.005044:0.004788:0.005411:0.009034:0.008156:0.006049:0.007374:0.003623:0.007901:0.003863:0.013359:0.006767:0.005922:0.003863:0.008826:0.004996:0.003655:0.008124:0.005155:0.003863:0.009082:0.009034:0.006337:0.008124:0.006767:0.006767:0.009034:0.013742:0.009162:0.005411:0.003863:0.009353:0.008842:0.006767:0.005251:0.007805:0.005299:0.007901:0.005634:0.009066:0.008060:0.005379:0.003863:0.007230:0.008156:0.009066:0.006464:0.008491:0.006975:0.003464
•  First,  looking at nominal  increases in average claim :@0.048807:0.270038:0.436644:0.270038:0.436644:0.259454:0.048807:0.259454:0.006480:0.004373:0.012912:0.007470:0.003863:0.005123:0.006464:0.005203:0.003272:0.004373:0.002522:0.003863:0.008826:0.009162:0.007645:0.003863:0.008731:0.009162:0.006384:0.007805:0.005123:0.006049:0.008826:0.009066:0.013439:0.003863:0.008651:0.008124:0.003639:0.004373:0.002522:0.003863:0.009034:0.007007:0.005554:0.008140:0.007901:0.006767:0.008012:0.006767:0.005922:0.003272:0.007566:0.006464:0.008124:0.007422:0.008348:0.005347:0.008124:0.009401:0.008092:0.005634:0.007135:0.003863:0.007566:0.003863:0.013104:0.004373
costs over past years by reserving segment; and:@0.072159:0.285419:0.410165:0.285419:0.410165:0.274834:0.072159:0.274834:0.007135:0.009066:0.006767:0.005076:0.006767:0.005491:0.008986:0.007390:0.008060:0.005379:0.006049:0.009066:0.007805:0.006560:0.005203:0.004373:0.007725:0.008348:0.008124:0.005554:0.006767:0.005906:0.008651:0.007055:0.005634:0.005379:0.007981:0.006560:0.007981:0.005379:0.007390:0.003863:0.008571:0.009066:0.006384:0.006767:0.008348:0.009401:0.013742:0.008348:0.009034:0.005411:0.003464:0.006464:0.007645:0.008491:0.009401
•  Then adjusting this to reflect any significant differences :@0.048807:0.307691:0.468327:0.307691:0.468327:0.297107:0.048807:0.297107:0.006480:0.004373:0.012162:0.008364:0.008779:0.008348:0.008795:0.006049:0.008124:0.009098:0.003863:0.008731:0.006767:0.005411:0.003607:0.009034:0.009114:0.006049:0.005411:0.008779:0.003863:0.006560:0.004788:0.005411:0.009130:0.006049:0.005554:0.008140:0.004996:0.003863:0.008028:0.007374:0.005219:0.005203:0.008124:0.008842:0.007725:0.005123:0.006767:0.003863:0.009401:0.009210:0.003863:0.004996:0.003863:0.007374:0.008300:0.009034:0.005411:0.005379:0.009401:0.003863:0.004804:0.004996:0.008348:0.005299:0.008348:0.009034:0.007151:0.008348:0.006767:0.004373
in expected future inflation in the economy compared :@0.072579:0.323073:0.460432:0.323073:0.460432:0.312488:0.072579:0.312488:0.003272:0.007645:0.006384:0.008348:0.007326:0.009018:0.008348:0.007103:0.005411:0.008108:0.009401:0.005475:0.004996:0.009369:0.005411:0.009289:0.005554:0.008555:0.006049:0.003863:0.009034:0.004996:0.003607:0.008124:0.005235:0.003863:0.009162:0.009034:0.006752:0.003272:0.007645:0.006049:0.005411:0.009034:0.008156:0.005634:0.008348:0.007374:0.009353:0.009034:0.009353:0.013742:0.007725:0.005219:0.007374:0.008922:0.013439:0.009066:0.007901:0.005379:0.008156:0.009162:0.004373
to observed  historical inflation over the recent past.:@0.071739:0.338455:0.437246:0.338455:0.437246:0.327870:0.071739:0.327870:0.005411:0.009130:0.005634:0.008906:0.009066:0.006560:0.008060:0.005379:0.007390:0.008060:0.009066:0.004373:0.002522:0.008731:0.003863:0.006464:0.005411:0.008954:0.005379:0.003863:0.007055:0.007805:0.003863:0.006720:0.003863:0.009034:0.004996:0.003607:0.008124:0.005235:0.003863:0.009162:0.009034:0.006416:0.008986:0.007390:0.008060:0.005379:0.004868:0.005411:0.009034:0.008348:0.006193:0.005554:0.008060:0.007374:0.008076:0.008826:0.005411:0.005938:0.008906:0.007645:0.006464:0.005123:0.003464
The majority of PPOs have payments linked to the :@0.047967:0.360726:0.406755:0.360726:0.406755:0.350141:0.047967:0.350141:0.008364:0.008858:0.008348:0.006273:0.013439:0.007901:0.003863:0.009162:0.005554:0.003687:0.005411:0.007438:0.005714:0.009353:0.004756:0.006049:0.008156:0.008316:0.011093:0.006305:0.006049:0.008731:0.007725:0.007390:0.007981:0.006464:0.009385:0.007837:0.007725:0.013535:0.008348:0.009034:0.005139:0.006767:0.006001:0.003863:0.003527:0.008731:0.007566:0.007981:0.009066:0.006049:0.005123:0.008986:0.005203:0.005411:0.008699:0.008060:0.004373
retail  price index (RPI) and/or ASHE 6115 (a wage :@0.048807:0.376108:0.402583:0.376108:0.402583:0.365523:0.048807:0.365523:0.005299:0.007805:0.005123:0.007566:0.003607:0.003607:0.004373:0.002522:0.009066:0.005299:0.003863:0.006895:0.007981:0.006049:0.003863:0.008731:0.009066:0.008348:0.007023:0.005634:0.004373:0.008731:0.008156:0.003863:0.004373:0.006049:0.007805:0.008571:0.008986:0.005969:0.008906:0.005299:0.004868:0.010502:0.008475:0.011604:0.008076:0.006113:0.008906:0.008906:0.008826:0.008826:0.006464:0.004278:0.007390:0.005203:0.011843:0.008316:0.009656:0.008348:0.004373
inflation index) and the future rates of increase in these :@0.048807:0.391786:0.447450:0.391786:0.447450:0.381202:0.048807:0.381202:0.003863:0.009034:0.004996:0.003607:0.008124:0.005235:0.003863:0.009162:0.009034:0.006752:0.003863:0.008571:0.008986:0.008060:0.007055:0.004613:0.006049:0.007805:0.008571:0.008986:0.005634:0.005411:0.009034:0.008156:0.005634:0.004996:0.009034:0.005411:0.009289:0.005554:0.008348:0.006177:0.005554:0.007885:0.005411:0.008028:0.006767:0.005491:0.009353:0.004756:0.005634:0.003863:0.008731:0.007135:0.005379:0.008348:0.007789:0.006767:0.008012:0.006464:0.003272:0.007645:0.006049:0.005203:0.009034:0.008012:0.006767:0.008012:0.004373
indices are uncertain.  In particular, ASHE 611 5 relates :@0.048807:0.407167:0.432989:0.407167:0.432989:0.396583:0.048807:0.396583:0.003863:0.008731:0.008986:0.003863:0.006975:0.008156:0.006560:0.005714:0.007725:0.005299:0.007901:0.006049:0.009034:0.009034:0.007550:0.008348:0.005554:0.005411:0.008124:0.003863:0.009034:0.003464:0.004373:0.002825:0.003607:0.007725:0.006384:0.009162:0.007805:0.005554:0.005411:0.003655:0.007374:0.008667:0.003863:0.007901:0.005554:0.003272:0.005634:0.010502:0.008475:0.011604:0.008076:0.006113:0.007901:0.007981:0.007901:0.005203:0.006895:0.006464:0.005379:0.007981:0.003863:0.007645:0.005203:0.008060:0.006560:0.004373
specifically to care and home workers and external :@0.048387:0.422548:0.412937:0.422548:0.412937:0.411963:0.048387:0.411963:0.006767:0.009385:0.008348:0.007087:0.003863:0.004996:0.003863:0.007374:0.008124:0.003863:0.003863:0.007486:0.004788:0.005411:0.009130:0.005634:0.007135:0.007725:0.005379:0.007981:0.006049:0.007805:0.008651:0.008986:0.006464:0.008826:0.009066:0.013439:0.008156:0.005203:0.011843:0.009752:0.005554:0.008300:0.008571:0.005794:0.007055:0.005634:0.007805:0.008651:0.008986:0.006049:0.008156:0.007326:0.005411:0.008092:0.005554:0.008810:0.008124:0.003863:0.004373
factors impacting this market in  recent years have :@0.047967:0.437930:0.406452:0.437930:0.406452:0.427345:0.047967:0.427345:0.004996:0.008124:0.007550:0.005411:0.009353:0.005554:0.006991:0.006049:0.003863:0.013519:0.009162:0.008124:0.007087:0.005411:0.003655:0.009034:0.009114:0.006049:0.005411:0.008779:0.003863:0.006560:0.006049:0.013950:0.008124:0.005554:0.007933:0.008348:0.005411:0.005538:0.003272:0.007566:0.004373:0.002522:0.005554:0.008140:0.007374:0.008348:0.008810:0.005411:0.004373:0.007725:0.008348:0.007917:0.005554:0.006767:0.005985:0.008651:0.007645:0.007310:0.007901:0.004373
increased the uncertainty in setting this assumption. :@0.048807:0.453371:0.422119:0.453371:0.422119:0.442787:0.048807:0.442787:0.003863:0.008731:0.007135:0.005379:0.008156:0.007805:0.006767:0.007933:0.009162:0.006049:0.005411:0.009034:0.008076:0.006049:0.009034:0.009034:0.007645:0.008348:0.005554:0.005411:0.008124:0.003863:0.009273:0.005411:0.007725:0.005682:0.003272:0.007645:0.006464:0.006560:0.008060:0.005203:0.005411:0.003655:0.008731:0.009066:0.006049:0.005411:0.008779:0.003863:0.006560:0.005634:0.008124:0.006496:0.006767:0.008858:0.013742:0.009194:0.005411:0.003655:0.009353:0.009034:0.003288:0.004373
Further, the reforms announced to RPI will  result in a :@0.048807:0.468812:0.426940:0.468812:0.426940:0.458228:0.048807:0.458228:0.007470:0.008651:0.005379:0.005411:0.008619:0.008156:0.005379:0.003464:0.005938:0.005411:0.009034:0.008156:0.006049:0.005554:0.008140:0.004996:0.009114:0.005554:0.013519:0.006767:0.005586:0.008124:0.009034:0.009034:0.009353:0.009034:0.009034:0.007374:0.008348:0.009401:0.005523:0.005411:0.009130:0.006464:0.007981:0.007390:0.003607:0.005634:0.011540:0.003863:0.003863:0.004086:0.004373:0.002522:0.005299:0.007981:0.006560:0.008731:0.003863:0.005044:0.006049:0.003272:0.007645:0.006464:0.006384:0.004373
change in the way that RPI  is determined  in 2030.:@0.048387:0.484430:0.403169:0.484430:0.403169:0.473846:0.048387:0.473846:0.007374:0.009034:0.008124:0.009034:0.009401:0.008348:0.005969:0.003368:0.007901:0.005634:0.005411:0.009034:0.008156:0.005203:0.012178:0.008651:0.008236:0.004868:0.005411:0.009369:0.008316:0.005411:0.006097:0.007981:0.007390:0.003607:0.004373:0.002522:0.003368:0.005874:0.005203:0.009401:0.008156:0.005411:0.008348:0.005315:0.013742:0.003863:0.008779:0.008348:0.009401:0.004373:0.002410:0.003272:0.007645:0.006384:0.008906:0.008986:0.008826:0.008906:0.003464
•  Life expectancy: :@0.048807:0.506473:0.202218:0.506473:0.202218:0.495332:0.048807:0.495332:0.006468:0.004637:0.012668:0.008233:0.004772:0.006065:0.008737:0.005628:0.008821:0.009274:0.010131:0.008905:0.007897:0.006536:0.008753:0.010165:0.007728:0.009039:0.004318:0.004637
The provisions in  respect of settled :@0.203629:0.506349:0.452813:0.506349:0.452813:0.495764:0.203629:0.495764:0.008364:0.008779:0.008348:0.005938:0.009162:0.005379:0.008986:0.007390:0.003863:0.006464:0.003863:0.008906:0.008826:0.006560:0.006049:0.003272:0.007645:0.004373:0.002426:0.005379:0.008156:0.006767:0.009018:0.008156:0.007374:0.005139:0.005299:0.009353:0.004756:0.005634:0.006464:0.007901:0.005123:0.005203:0.003863:0.007725:0.008906:0.004373
PPOs are sensitive to the assumed life expectancy:@0.073001:0.521790:0.423042:0.521790:0.423042:0.511206:0.073001:0.511206:0.008156:0.008316:0.011093:0.006305:0.005634:0.007805:0.005299:0.007901:0.005634:0.006767:0.007933:0.008826:0.006560:0.003863:0.005203:0.003863:0.007390:0.008060:0.005634:0.005411:0.009130:0.004868:0.005411:0.009034:0.008076:0.006049:0.008124:0.006416:0.006767:0.008683:0.013519:0.008156:0.009401:0.006736:0.003863:0.003448:0.004613:0.007805:0.005634:0.008348:0.007534:0.009385:0.008348:0.007374:0.005411:0.008124:0.009034:0.007374:0.007725
of claimants.  Each claimant's life expectancy is :@0.072161:0.537469:0.404709:0.537469:0.404709:0.526884:0.072161:0.526884:0.009353:0.004756:0.005634:0.007374:0.003863:0.007917:0.003863:0.013742:0.008124:0.009034:0.005411:0.006767:0.003288:0.004373:0.003687:0.007645:0.007725:0.007055:0.008651:0.006049:0.007374:0.003863:0.007917:0.003863:0.013742:0.007933:0.009034:0.005411:0.003448:0.006767:0.006001:0.003863:0.003448:0.004613:0.007805:0.005714:0.008348:0.007326:0.009385:0.008348:0.007374:0.005586:0.008124:0.009034:0.007629:0.007725:0.005794:0.003017:0.005379:0.004373
estimated at settlement by medical experts. The :@0.072161:0.552851:0.416488:0.552851:0.416488:0.542266:0.072161:0.542266:0.008348:0.006767:0.005123:0.003863:0.013519:0.008124:0.005235:0.008348:0.009210:0.006049:0.008124:0.005235:0.005634:0.006767:0.008348:0.005411:0.005411:0.003863:0.008348:0.013742:0.008348:0.009034:0.005411:0.005969:0.008651:0.007055:0.005634:0.013359:0.008060:0.009066:0.003863:0.006975:0.007805:0.003863:0.006305:0.008156:0.007326:0.009050:0.008348:0.005347:0.005411:0.006767:0.003192:0.006464:0.008364:0.008603:0.008060:0.004373
actual future lifetime of the claimant may differ :@0.072161:0.568233:0.414477:0.568233:0.414477:0.557648:0.072161:0.557648:0.008124:0.007087:0.005411:0.008779:0.008124:0.003639:0.006049:0.004996:0.009034:0.005411:0.009289:0.005554:0.008348:0.006512:0.003863:0.003863:0.004709:0.008348:0.005411:0.003623:0.013742:0.008092:0.005634:0.009353:0.004756:0.005203:0.005411:0.009034:0.008156:0.005634:0.007374:0.003863:0.008124:0.004070:0.013950:0.008124:0.009034:0.005602:0.005634:0.013519:0.007901:0.007725:0.005123:0.009401:0.003863:0.004804:0.004996:0.008348:0.005299:0.004373
significantly from this estimate.  Furthermore,  it is :@0.072161:0.583614:0.424596:0.583614:0.424596:0.573030:0.072161:0.573030:0.006767:0.004070:0.009401:0.009034:0.003863:0.004996:0.003863:0.007374:0.008124:0.009034:0.005411:0.003863:0.007725:0.004772:0.004996:0.005554:0.009018:0.013519:0.006049:0.005411:0.008779:0.003863:0.006560:0.005634:0.008348:0.006767:0.005219:0.003863:0.013742:0.008124:0.005187:0.008348:0.003464:0.004373:0.002713:0.007789:0.008842:0.005554:0.005411:0.009034:0.008348:0.005554:0.013567:0.009353:0.005554:0.008348:0.003464:0.004373:0.002426:0.003527:0.004964:0.005634:0.003112:0.005379:0.004373
difficult to determine whether the life expectancies :@0.072161:0.598996:0.440030:0.598996:0.440030:0.588412:0.072161:0.588412:0.009401:0.003863:0.004996:0.005267:0.003863:0.007374:0.009034:0.003863:0.005602:0.004788:0.005411:0.009130:0.005634:0.009401:0.008156:0.005411:0.008348:0.005554:0.013742:0.003863:0.009034:0.008348:0.004756:0.012019:0.009497:0.008651:0.005714:0.009401:0.008651:0.005794:0.005203:0.005411:0.009034:0.008156:0.006049:0.003863:0.003527:0.004788:0.007981:0.005634:0.008348:0.007326:0.009385:0.008348:0.007166:0.005411:0.008124:0.009034:0.007166:0.003863:0.008348:0.006767:0.004373
estimated by medical experts will  prove to be :@0.072161:0.614378:0.397542:0.614378:0.397542:0.603794:0.072161:0.603794:0.008348:0.006767:0.005123:0.003863:0.013519:0.008124:0.005235:0.008348:0.009210:0.006464:0.008651:0.007055:0.006049:0.013359:0.008060:0.009066:0.003863:0.006975:0.007805:0.003863:0.006305:0.008156:0.007326:0.009146:0.008348:0.005554:0.005171:0.006767:0.004740:0.011540:0.003863:0.003863:0.003863:0.004373:0.002410:0.008906:0.005299:0.008906:0.007310:0.007901:0.005634:0.005411:0.009130:0.005634:0.008316:0.007390:0.004373
too long or too short on average across all :@0.071741:0.630115:0.377825:0.630115:0.377825:0.619531:0.071741:0.619531:0.005411:0.009353:0.009098:0.006049:0.003607:0.008826:0.008571:0.008826:0.006049:0.008826:0.005299:0.005203:0.005411:0.009353:0.009002:0.005714:0.006767:0.008683:0.009162:0.005554:0.005411:0.005507:0.008571:0.008395:0.006049:0.008124:0.007645:0.008348:0.005554:0.008124:0.009162:0.008348:0.005602:0.007805:0.007135:0.005379:0.009162:0.006560:0.006767:0.005586:0.006975:0.003368:0.003368:0.004373
claimants. The average life expectancy of claimants :@0.072161:0.645497:0.440349:0.645497:0.440349:0.634913:0.072161:0.634913:0.007374:0.003863:0.008124:0.003863:0.013742:0.008124:0.009034:0.005411:0.006767:0.003464:0.006432:0.008364:0.008858:0.008348:0.005507:0.008124:0.007422:0.008348:0.005347:0.008124:0.009401:0.008092:0.006464:0.003863:0.003448:0.004613:0.007805:0.006049:0.008348:0.007534:0.009385:0.008348:0.007374:0.005411:0.008124:0.009034:0.007374:0.007725:0.005187:0.009353:0.004756:0.005634:0.007374:0.003863:0.007917:0.003863:0.013742:0.008124:0.008795:0.005411:0.006767:0.004373
could also be influenced by future advances in :@0.072161:0.660879:0.405586:0.660879:0.405586:0.650295:0.072161:0.650295:0.007055:0.008986:0.008731:0.003863:0.008906:0.006384:0.007901:0.003863:0.006305:0.008986:0.006049:0.008571:0.007566:0.006464:0.003863:0.009034:0.004740:0.003863:0.009034:0.008348:0.008747:0.007374:0.008348:0.009225:0.006464:0.008826:0.007310:0.004788:0.004996:0.009034:0.005411:0.009289:0.005554:0.008348:0.005762:0.008124:0.009401:0.007645:0.007933:0.009034:0.007374:0.008348:0.006767:0.005938:0.003112:0.007390:0.004373
medical care or other events (e.g.  epidemics).:@0.072581:0.676260:0.393301:0.676260:0.393301:0.665675:0.072581:0.665675:0.013359:0.008060:0.009066:0.003863:0.006975:0.007805:0.003863:0.006305:0.007374:0.007741:0.005379:0.008060:0.005714:0.008826:0.005299:0.005634:0.009353:0.005411:0.008842:0.008348:0.005554:0.005251:0.008156:0.007470:0.008348:0.008699:0.005411:0.006767:0.005554:0.004820:0.008348:0.003464:0.009401:0.003464:0.004373:0.002761:0.008060:0.009162:0.003863:0.009082:0.008156:0.013439:0.003863:0.007135:0.006560:0.004820:0.003464
•  Covid-19: :@0.048807:0.698658:0.148958:0.698658:0.148958:0.687516:0.048807:0.687516:0.006468:0.004637:0.012248:0.010081:0.009745:0.008653:0.004536:0.009913:0.006468:0.009241:0.009241:0.004284:0.004637
As with  last year's provisions, there :@0.150034:0.698533:0.401962:0.698533:0.401962:0.687949:0.150034:0.687949:0.010295:0.007007:0.004868:0.011923:0.004038:0.005634:0.009401:0.004373:0.002522:0.003863:0.007566:0.006384:0.005123:0.004373:0.007725:0.007981:0.007901:0.005379:0.003671:0.006576:0.006049:0.009066:0.005379:0.009066:0.007470:0.003863:0.006560:0.003863:0.008986:0.008826:0.006560:0.003464:0.005938:0.005203:0.009034:0.008012:0.005554:0.008060:0.004373
are additional assumptions made, and  hence :@0.072161:0.713915:0.395116:0.713915:0.395116:0.703331:0.072161:0.703331:0.007805:0.005299:0.007901:0.006049:0.007901:0.009401:0.009002:0.003863:0.005411:0.003671:0.009162:0.009034:0.007773:0.003863:0.006305:0.008124:0.006576:0.006767:0.009034:0.013742:0.009385:0.005411:0.003863:0.009353:0.009034:0.006767:0.005938:0.013742:0.007757:0.009401:0.008076:0.003464:0.006368:0.007805:0.008571:0.008986:0.004373:0.002522:0.008826:0.008156:0.008731:0.007374:0.007996:0.004373
uncertainties in the provision, as a result of the :@0.072581:0.729296:0.409598:0.729296:0.409598:0.718711:0.072581:0.718711:0.009034:0.009034:0.007374:0.008348:0.005554:0.005411:0.008124:0.003863:0.009034:0.005411:0.003863:0.008348:0.006767:0.006193:0.003272:0.007645:0.006049:0.005411:0.009034:0.008156:0.006049:0.009162:0.005379:0.009066:0.007470:0.003863:0.006560:0.003863:0.008986:0.008826:0.003464:0.006289:0.007725:0.006384:0.005714:0.006799:0.006464:0.005379:0.008060:0.006767:0.008683:0.003863:0.005123:0.005299:0.009353:0.004756:0.005203:0.005411:0.008699:0.008060:0.004373
impact of Covid-19.  Broadly speaking there are two :@0.072581:0.744676:0.445111:0.744676:0.445111:0.734092:0.072581:0.734092:0.003863:0.013742:0.009194:0.008124:0.007374:0.005411:0.005139:0.009353:0.004756:0.005634:0.009880:0.009609:0.007645:0.004118:0.009577:0.006384:0.008826:0.008316:0.003464:0.004373:0.002825:0.008906:0.005379:0.009162:0.008124:0.009098:0.003863:0.007486:0.005203:0.006767:0.009194:0.008348:0.007789:0.007933:0.003655:0.008826:0.009401:0.005890:0.005411:0.009034:0.008156:0.005554:0.008140:0.005634:0.007805:0.005299:0.007901:0.005634:0.005411:0.011971:0.009577:0.004373
offsetting factors of the pandemic on the provisions: :@0.072161:0.760354:0.449527:0.760354:0.449527:0.749770:0.072161:0.749770:0.009353:0.004996:0.004724:0.006767:0.008348:0.005411:0.005411:0.003863:0.009034:0.009401:0.005698:0.004996:0.008124:0.007550:0.005411:0.009353:0.005554:0.006991:0.005634:0.009353:0.004756:0.005299:0.005411:0.009034:0.008156:0.006049:0.009385:0.008124:0.009034:0.009401:0.008076:0.013742:0.003863:0.007374:0.005171:0.008731:0.008571:0.005634:0.005411:0.009034:0.008156:0.006464:0.009066:0.005299:0.008986:0.007390:0.003863:0.006384:0.003863:0.008826:0.008731:0.006464:0.003272:0.004373
expected lower claim  numbers from lower clinical :@0.072161:0.775735:0.429065:0.775735:0.429065:0.765150:0.072161:0.765150:0.008348:0.007326:0.009018:0.008348:0.007103:0.005411:0.008108:0.009401:0.006305:0.003863:0.009353:0.011811:0.008348:0.005554:0.005842:0.007135:0.003863:0.007566:0.003863:0.013024:0.004373:0.002522:0.009034:0.008858:0.013742:0.009114:0.008348:0.005554:0.006592:0.004868:0.004996:0.005554:0.009353:0.013535:0.006464:0.003863:0.009353:0.011907:0.008348:0.005554:0.005331:0.007135:0.003863:0.003527:0.008651:0.003863:0.006975:0.007805:0.003863:0.004373
activity in 2020/21, offset by new risks and  potential :@0.072161:0.791115:0.449575:0.791115:0.449575:0.780531:0.072161:0.780531:0.008124:0.007374:0.005411:0.003623:0.007645:0.003863:0.005123:0.007725:0.005554:0.003368:0.007981:0.006049:0.008826:0.008986:0.008906:0.008986:0.006464:0.008906:0.008986:0.003464:0.006624:0.009353:0.004996:0.004996:0.006767:0.008348:0.005411:0.006081:0.008651:0.007055:0.005634:0.009401:0.008571:0.011923:0.005634:0.005299:0.003863:0.006305:0.007470:0.006464:0.005634:0.007805:0.008651:0.008986:0.004373:0.002426:0.009066:0.009066:0.005203:0.008156:0.008731:0.005411:0.003655:0.007805:0.003863:0.004373
sources of claims as a result of the response.:@0.072161:0.806496:0.387167:0.806496:0.387167:0.795912:0.072161:0.795912:0.006767:0.009018:0.008731:0.005554:0.007039:0.008348:0.006528:0.005714:0.009353:0.004756:0.005634:0.007374:0.003623:0.007901:0.003863:0.013359:0.006767:0.005491:0.007725:0.006384:0.005634:0.006895:0.006384:0.005554:0.007965:0.006767:0.008683:0.003863:0.005123:0.005203:0.009353:0.004756:0.005203:0.005411:0.009034:0.008156:0.006049:0.005379:0.008060:0.006560:0.009066:0.009066:0.008826:0.006464:0.008156:0.003464
•  Legal environment: :@0.489499:0.102269:0.668884:0.102269:0.668884:0.091127:0.489499:0.091127:0.006468:0.004637:0.012668:0.008233:0.008653:0.009913:0.008653:0.004536:0.006048:0.008905:0.010165:0.009106:0.004503:0.006687:0.010265:0.009929:0.015205:0.009089:0.010165:0.006368:0.004553:0.004637
The legal environment is :@0.669758:0.102144:0.847516:0.102144:0.847516:0.091560:0.669758:0.091560:0.008364:0.008779:0.008348:0.006352:0.003527:0.007805:0.008826:0.007645:0.003607:0.006464:0.008348:0.009210:0.007645:0.003863:0.005554:0.009353:0.009034:0.013742:0.008348:0.009034:0.005411:0.005634:0.003112:0.005379:0.004373
a particular area of uncertainty.  DHSC  published :@0.512922:0.117526:0.858749:0.117526:0.858749:0.106941:0.512922:0.106941:0.006799:0.006464:0.009385:0.007917:0.005554:0.005411:0.003863:0.007374:0.009034:0.003863:0.008124:0.005554:0.005315:0.007901:0.005299:0.007981:0.007805:0.006464:0.009353:0.004756:0.005634:0.008826:0.008826:0.007374:0.007996:0.005554:0.005411:0.007773:0.003863:0.008826:0.005411:0.007438:0.003464:0.004373:0.003160:0.010662:0.010838:0.008156:0.009497:0.004373:0.002857:0.009066:0.008651:0.009066:0.003863:0.003863:0.006464:0.008731:0.008060:0.009162:0.004373
a consultation in January 2022 proposing the :@0.512922:0.133205:0.839404:0.133205:0.839404:0.122620:0.512922:0.122620:0.006799:0.006049:0.007374:0.009353:0.009034:0.006576:0.009034:0.003863:0.005411:0.008124:0.005411:0.003863:0.009353:0.009034:0.006305:0.003368:0.007981:0.005203:0.005969:0.008124:0.009353:0.009241:0.008124:0.005730:0.007901:0.005203:0.008906:0.009066:0.008986:0.008986:0.006384:0.009066:0.005379:0.009066:0.009066:0.009066:0.006560:0.003863:0.008651:0.009066:0.006049:0.005411:0.008699:0.008060:0.004373
introduction of Fixed  Recoverable Costs (FRC) in :@0.513258:0.148585:0.857202:0.148585:0.857202:0.138001:0.513258:0.138001:0.003863:0.008826:0.005411:0.005347:0.009162:0.009401:0.008747:0.007135:0.005411:0.003863:0.009034:0.009034:0.006337:0.009353:0.004756:0.006049:0.007310:0.003607:0.006799:0.007725:0.008826:0.004373:0.002857:0.009321:0.008156:0.007374:0.009002:0.007470:0.008156:0.005554:0.007805:0.009162:0.003863:0.008060:0.005634:0.009880:0.009353:0.006767:0.005411:0.006767:0.005762:0.004820:0.007789:0.009321:0.009656:0.004820:0.005938:0.003112:0.007390:0.004373
lower value clinical negligence claims (generally :@0.513258:0.163966:0.854760:0.163966:0.854760:0.153382:0.513258:0.153382:0.003863:0.009353:0.011540:0.008348:0.005554:0.004948:0.007645:0.008124:0.003863:0.009034:0.008348:0.005746:0.007055:0.003863:0.003863:0.008571:0.003863:0.007055:0.007901:0.003863:0.006720:0.009034:0.008348:0.009082:0.003863:0.003863:0.009082:0.008348:0.008795:0.007374:0.008076:0.005634:0.007374:0.003863:0.007837:0.003863:0.013519:0.006767:0.005586:0.004820:0.009130:0.008348:0.008699:0.008156:0.005554:0.007885:0.003863:0.003863:0.007390:0.004373
claims with damages valued at £1,500-£25,000).:@0.512922:0.179407:0.863745:0.179407:0.863745:0.168823:0.512922:0.168823:0.007135:0.003863:0.007821:0.003863:0.013359:0.006767:0.004740:0.011923:0.004038:0.005714:0.009401:0.006049:0.009401:0.008124:0.013471:0.008124:0.009401:0.008348:0.006767:0.004916:0.007470:0.008124:0.003639:0.008826:0.008348:0.009130:0.006464:0.008124:0.005155:0.005634:0.009241:0.009321:0.003703:0.009497:0.009401:0.009401:0.006975:0.009497:0.009401:0.009497:0.003783:0.009401:0.009497:0.009401:0.005203:0.003464
The consultation proposed that an  FRC  scheme apply :@0.512517:0.194792:0.896667:0.194792:0.896667:0.184207:0.512517:0.184207:0.008364:0.008779:0.008348:0.005507:0.007374:0.009178:0.009034:0.006592:0.009034:0.003863:0.005411:0.008124:0.005411:0.003863:0.009353:0.009034:0.006480:0.008986:0.005299:0.008986:0.009066:0.008986:0.006560:0.007981:0.009066:0.006049:0.005411:0.009369:0.008316:0.005411:0.005347:0.007645:0.008491:0.004373:0.002522:0.007135:0.008731:0.009162:0.004373:0.002857:0.006767:0.007087:0.009034:0.008108:0.013742:0.008092:0.006049:0.007805:0.008986:0.009066:0.003863:0.007310:0.004373
to claims notified on or after the implementation :@0.512517:0.210173:0.865415:0.210173:0.865415:0.199589:0.512517:0.199589:0.005411:0.009130:0.005203:0.007374:0.003863:0.007837:0.003863:0.013519:0.006767:0.006001:0.008826:0.009066:0.005203:0.003863:0.004788:0.003863:0.007981:0.009162:0.006464:0.008571:0.008395:0.006464:0.008826:0.005299:0.005203:0.008395:0.004996:0.005586:0.008348:0.005762:0.004788:0.005411:0.009034:0.008156:0.006464:0.003863:0.013742:0.009114:0.003863:0.008348:0.013503:0.008348:0.009034:0.005219:0.008124:0.005235:0.003863:0.009353:0.009034:0.004373
date. The consultation closed on 24 April 2022, and :@0.512937:0.225852:0.887430:0.225852:0.887430:0.215268:0.512937:0.215268:0.009162:0.008124:0.005060:0.008156:0.003464:0.006704:0.008364:0.008858:0.008348:0.005507:0.007374:0.009178:0.009034:0.006592:0.009034:0.003863:0.005411:0.007901:0.005411:0.003863:0.009353:0.008842:0.006464:0.007055:0.003863:0.008731:0.006560:0.007981:0.008986:0.006464:0.008571:0.008316:0.006464:0.008826:0.008906:0.004868:0.010295:0.009194:0.005554:0.003863:0.003863:0.006289:0.008986:0.009162:0.009066:0.009162:0.003464:0.006528:0.007645:0.008491:0.008906:0.004373
assumes implementation no earlier than 2023/24. :@0.512937:0.241234:0.871246:0.241234:0.871246:0.230650:0.512937:0.230650:0.008124:0.006496:0.006767:0.008858:0.013742:0.008092:0.006767:0.005666:0.003863:0.013742:0.009385:0.003863:0.008348:0.013471:0.008348:0.009034:0.005411:0.007869:0.005411:0.003863:0.009353:0.009034:0.006704:0.008571:0.008826:0.005634:0.008348:0.008124:0.005363:0.003863:0.003863:0.008060:0.005554:0.004772:0.005411:0.009034:0.008124:0.008842:0.006464:0.008603:0.008954:0.008826:0.008906:0.006225:0.008986:0.008906:0.003464:0.004373
Because this is a consultation there is no certainty :@0.513273:0.256675:0.870672:0.256675:0.870672:0.246091:0.513273:0.246091:0.009146:0.008076:0.007374:0.007837:0.008826:0.006767:0.008108:0.005634:0.005411:0.008779:0.003863:0.006560:0.006049:0.003192:0.005634:0.005634:0.006895:0.006049:0.007374:0.009353:0.009034:0.006576:0.009034:0.003863:0.005411:0.008124:0.005411:0.003863:0.009353:0.009034:0.005890:0.005411:0.009034:0.008156:0.005554:0.008140:0.006049:0.003192:0.005714:0.006049:0.008571:0.008731:0.005634:0.007374:0.008348:0.005554:0.005411:0.007917:0.003863:0.009034:0.005411:0.007725:0.004373
as to whether the FRC  scheme will  be introduced or :@0.512937:0.272056:0.887462:0.272056:0.887462:0.261472:0.512937:0.261472:0.007725:0.006384:0.004788:0.005411:0.009130:0.004868:0.011923:0.009497:0.008651:0.005714:0.009401:0.008651:0.005794:0.005203:0.005411:0.009034:0.008156:0.006049:0.007310:0.008906:0.009241:0.004373:0.002426:0.006767:0.007374:0.009034:0.008156:0.013742:0.008348:0.004629:0.011540:0.003863:0.004086:0.003863:0.004373:0.002522:0.008571:0.007566:0.006049:0.003863:0.009034:0.005171:0.005554:0.009066:0.009401:0.008747:0.007135:0.008348:0.009130:0.006049:0.008826:0.005299:0.004373
what it will  look like. As a result, the potential impact :@0.512097:0.287438:0.897524:0.287438:0.897524:0.276854:0.512097:0.276854:0.012354:0.009656:0.008571:0.005714:0.006049:0.003368:0.004709:0.004373:0.011540:0.003863:0.004086:0.003863:0.004373:0.002602:0.003863:0.008986:0.009353:0.007613:0.005634:0.003863:0.003527:0.007566:0.007981:0.003272:0.006049:0.010662:0.007055:0.005714:0.006799:0.006464:0.005379:0.008156:0.006767:0.008779:0.003863:0.005203:0.003464:0.005938:0.005411:0.009034:0.008156:0.006049:0.009385:0.009178:0.005411:0.008108:0.008826:0.005411:0.003863:0.007773:0.003863:0.006305:0.003863:0.013519:0.009162:0.008124:0.007374:0.005171:0.004373
of FRC  is too remote to be included  in the provision :@0.512937:0.302820:0.884254:0.302820:0.884254:0.292235:0.512937:0.292235:0.009353:0.004756:0.005634:0.007310:0.008826:0.009241:0.004373:0.002937:0.003368:0.005874:0.004868:0.005411:0.009353:0.009002:0.006049:0.005554:0.008060:0.013439:0.009066:0.005411:0.008028:0.005299:0.005411:0.009034:0.006049:0.008571:0.007566:0.006464:0.003863:0.008571:0.007055:0.003863:0.008731:0.009162:0.008060:0.009162:0.004373:0.002522:0.003272:0.007566:0.006049:0.005411:0.009034:0.008156:0.006049:0.008906:0.005203:0.008906:0.007310:0.003863:0.006305:0.003863:0.008731:0.008651:0.004373
as at 31  March 2022.  This will remain  under review.:@0.512937:0.318499:0.880822:0.318499:0.880822:0.307914:0.512937:0.307914:0.007725:0.006384:0.005203:0.008124:0.005155:0.005714:0.007230:0.007230:0.004373:0.005379:0.013774:0.007725:0.005299:0.007135:0.008731:0.006464:0.008906:0.008986:0.008986:0.009066:0.003464:0.004373:0.002586:0.008364:0.008683:0.003863:0.006560:0.004788:0.011540:0.003863:0.004086:0.003863:0.006464:0.005299:0.008060:0.013359:0.007901:0.003863:0.008731:0.004373:0.002522:0.009034:0.008779:0.009401:0.007981:0.005554:0.005953:0.005379:0.007981:0.007310:0.003863:0.007901:0.011093:0.003464
The provisions have been valued using the current :@0.512517:0.340474:0.873779:0.340474:0.873779:0.329890:0.512517:0.329890:0.008364:0.008779:0.008348:0.005938:0.009162:0.005379:0.008986:0.007390:0.003863:0.006464:0.003863:0.008906:0.008826:0.006560:0.006049:0.008731:0.007725:0.007390:0.007981:0.006464:0.008986:0.007901:0.007901:0.008651:0.005299:0.007470:0.008124:0.003863:0.008842:0.008348:0.009401:0.006704:0.008571:0.006384:0.003863:0.008491:0.008986:0.005714:0.005411:0.009034:0.008076:0.006049:0.007374:0.008842:0.005554:0.005363:0.008348:0.009034:0.005139:0.004373
Personal Injury Discount Rate (PIDR) of minus :@0.513693:0.355856:0.837031:0.355856:0.837031:0.345271:0.513693:0.345271:0.008491:0.008060:0.005299:0.006384:0.008986:0.008571:0.007805:0.003863:0.006305:0.004246:0.008603:0.003863:0.008731:0.005379:0.007470:0.005634:0.010997:0.003863:0.006767:0.007182:0.009353:0.008795:0.009034:0.005411:0.006305:0.009066:0.007645:0.005203:0.007901:0.005714:0.004533:0.008491:0.003942:0.010582:0.008986:0.004533:0.005634:0.009353:0.004756:0.006049:0.013280:0.003863:0.008651:0.008826:0.006560:0.004373
0.25%.  The Civil Liability Act 2018 introduced a :@0.512937:0.371533:0.858333:0.371533:0.858333:0.360949:0.512937:0.360949:0.009656:0.003942:0.009656:0.009656:0.014780:0.003863:0.004373:0.002522:0.008364:0.008779:0.008348:0.005507:0.009497:0.003863:0.007310:0.003863:0.003863:0.006720:0.007135:0.003863:0.007821:0.009162:0.003863:0.003863:0.003623:0.005203:0.007470:0.004373:0.010997:0.007645:0.005634:0.005634:0.008986:0.009066:0.008906:0.008906:0.006464:0.003863:0.008826:0.005411:0.005251:0.009066:0.009162:0.009034:0.007007:0.008348:0.009034:0.006464:0.006384:0.004373
process for periodical  reviews of the  PIDR. As there :@0.513273:0.386915:0.878525:0.386915:0.878525:0.376331:0.513273:0.376331:0.009066:0.005379:0.008986:0.007135:0.007981:0.006560:0.006560:0.004788:0.004996:0.009880:0.005554:0.005794:0.009066:0.008060:0.005379:0.003863:0.008906:0.009066:0.003863:0.007055:0.007901:0.003863:0.004373:0.002426:0.005554:0.008140:0.007645:0.003863:0.008348:0.011316:0.006767:0.005586:0.009353:0.004756:0.004868:0.005411:0.009034:0.008156:0.004373:0.002426:0.008060:0.003942:0.010247:0.008826:0.003192:0.006049:0.010758:0.007055:0.004788:0.005203:0.009034:0.008012:0.005554:0.008060:0.004373
is no certainty on the outcomes of future reviews, :@0.513273:0.402297:0.870975:0.402297:0.870975:0.391713:0.513273:0.391713:0.003192:0.005714:0.006049:0.008571:0.008731:0.005714:0.007374:0.008348:0.005554:0.005411:0.008124:0.003863:0.009034:0.005411:0.007725:0.005267:0.008571:0.008316:0.006049:0.005411:0.009034:0.008156:0.005634:0.009353:0.009034:0.005411:0.007374:0.009353:0.013742:0.008348:0.006767:0.005634:0.009353:0.004756:0.004868:0.004996:0.009034:0.005411:0.009289:0.005554:0.008348:0.006512:0.005554:0.008140:0.007645:0.003863:0.008156:0.011348:0.006767:0.003464:0.004373
no adjustments have been  made to the IBNR or :@0.513273:0.417679:0.854823:0.417679:0.854823:0.407095:0.513273:0.407095:0.008571:0.008826:0.005634:0.008124:0.009401:0.003863:0.009034:0.006767:0.005411:0.013742:0.008348:0.009034:0.005411:0.006767:0.005666:0.008826:0.007901:0.007470:0.008060:0.006049:0.008986:0.007901:0.007901:0.008651:0.004373:0.002522:0.013439:0.007901:0.009162:0.008156:0.005299:0.005411:0.009130:0.005203:0.005411:0.009034:0.008156:0.006049:0.003942:0.008395:0.011093:0.008826:0.005634:0.008571:0.005123:0.004373
known claims provisions for the potential effects of :@0.513273:0.433061:0.882244:0.433061:0.882244:0.422477:0.513273:0.422477:0.007933:0.009034:0.009353:0.011731:0.009034:0.006592:0.007374:0.003863:0.007837:0.003863:0.013439:0.006767:0.005666:0.009162:0.005554:0.008986:0.007390:0.003863:0.006384:0.003863:0.008826:0.008731:0.006560:0.005299:0.004996:0.009545:0.005554:0.005283:0.005411:0.009034:0.008156:0.006049:0.009385:0.008922:0.005203:0.008348:0.008619:0.005411:0.003655:0.007901:0.003863:0.006384:0.008348:0.004996:0.004996:0.008348:0.007374:0.005411:0.006767:0.005762:0.008986:0.004788:0.004373
such changes at this stage.  However, the recently :@0.512937:0.448501:0.868309:0.448501:0.868309:0.437917:0.512937:0.437917:0.006464:0.008651:0.007135:0.008731:0.006049:0.007374:0.009034:0.008124:0.009034:0.009401:0.008348:0.006767:0.005682:0.008124:0.005155:0.004868:0.005411:0.008699:0.003863:0.006560:0.005714:0.006767:0.005155:0.008124:0.009098:0.008156:0.003464:0.004373:0.003256:0.010997:0.009162:0.011348:0.008156:0.007470:0.008156:0.005554:0.003272:0.006049:0.005411:0.009034:0.008156:0.006049:0.005379:0.008156:0.007374:0.008076:0.008826:0.005411:0.003655:0.007725:0.004373
announced PIDR in  Northern  Ireland provides an :@0.512937:0.464180:0.859227:0.464180:0.859227:0.453595:0.512937:0.453595:0.008124:0.009034:0.009034:0.009353:0.009034:0.009034:0.007374:0.008348:0.009401:0.006704:0.008156:0.003942:0.010247:0.008731:0.006049:0.003272:0.007566:0.004373:0.002522:0.011683:0.009066:0.005554:0.005108:0.008731:0.008156:0.005379:0.008826:0.004373:0.002522:0.004038:0.005299:0.007981:0.003863:0.007645:0.008571:0.008986:0.006384:0.009066:0.005299:0.009066:0.007390:0.003863:0.009082:0.008060:0.006767:0.005155:0.007390:0.008316:0.004373
indication that,  if the PIDR in  England and Wales had :@0.513273:0.479561:0.893448:0.479561:0.893448:0.468976:0.513273:0.468976:0.003863:0.008731:0.009066:0.003863:0.007135:0.008124:0.005155:0.003863:0.009082:0.009034:0.005922:0.005411:0.009369:0.008395:0.005411:0.003655:0.004373:0.002426:0.003527:0.004533:0.005299:0.005411:0.009034:0.008156:0.006384:0.008156:0.003942:0.010247:0.008731:0.006049:0.003272:0.007645:0.004373:0.002857:0.007725:0.008826:0.009162:0.003863:0.007725:0.008826:0.009162:0.006384:0.007805:0.008651:0.008986:0.005634:0.014700:0.008124:0.003863:0.008348:0.006767:0.006161:0.008395:0.007470:0.008731:0.004373
been reviewed and  updated recently then the rate :@0.513273:0.494941:0.874519:0.494941:0.874519:0.484357:0.513273:0.484357:0.008906:0.007981:0.007981:0.008651:0.006464:0.005379:0.008348:0.007438:0.003863:0.008348:0.011221:0.008348:0.009130:0.006464:0.007805:0.008571:0.008986:0.004373:0.002522:0.009034:0.008938:0.009162:0.008124:0.005060:0.008156:0.009162:0.006464:0.005379:0.008348:0.007198:0.008348:0.009034:0.005139:0.003863:0.007725:0.004629:0.005411:0.009034:0.008076:0.009034:0.006001:0.005411:0.009034:0.008076:0.006049:0.005299:0.007805:0.005123:0.007981:0.004373
might be around  1%  lower than it currently stands. :@0.513273:0.510322:0.883409:0.510322:0.883409:0.499737:0.513273:0.499737:0.013742:0.003639:0.009401:0.008667:0.005411:0.005507:0.008826:0.007725:0.005634:0.008124:0.005315:0.009066:0.008826:0.008731:0.009162:0.004373:0.003687:0.008475:0.013695:0.004373:0.003272:0.003863:0.009353:0.011540:0.008348:0.005554:0.005283:0.005411:0.009034:0.008124:0.009034:0.006368:0.003527:0.004868:0.005299:0.007374:0.008842:0.005554:0.005554:0.008348:0.009034:0.005411:0.003863:0.007725:0.005251:0.006560:0.005203:0.007901:0.008731:0.009162:0.006767:0.003224:0.004373
 :@0.642717:0.510322:0.647090:0.510322:0.647090:0.499737:0.642717:0.499737:0.004373
Our sensitivity analysis shows the impact of changing :@0.512937:0.525763:0.895155:0.525763:0.895155:0.515179:0.512937:0.515179:0.011843:0.009034:0.005331:0.005203:0.006767:0.008348:0.008747:0.006767:0.003655:0.005411:0.003863:0.007438:0.003863:0.005203:0.007725:0.005219:0.008124:0.008763:0.008124:0.003639:0.007725:0.006384:0.003863:0.006560:0.005714:0.006767:0.009034:0.009561:0.011540:0.007023:0.004788:0.005411:0.009210:0.008348:0.006097:0.003863:0.013519:0.009162:0.008124:0.007374:0.005171:0.005634:0.009353:0.004756:0.005203:0.007374:0.008763:0.008124:0.008842:0.009401:0.003863:0.008826:0.009401:0.004373
the PIDR and shows the CNST IBNR would be around :@0.512517:0.541144:0.894656:0.541144:0.894656:0.530559:0.512517:0.530559:0.005411:0.009034:0.008156:0.006384:0.008156:0.003942:0.010247:0.008731:0.005634:0.007805:0.008651:0.008986:0.006384:0.006767:0.009034:0.009353:0.011540:0.006767:0.005347:0.005411:0.009034:0.008156:0.006049:0.009880:0.011715:0.008475:0.008364:0.005922:0.003942:0.008395:0.011093:0.008826:0.004868:0.011540:0.009720:0.009034:0.004070:0.009577:0.006464:0.008571:0.007566:0.006049:0.007901:0.005379:0.008986:0.008731:0.008651:0.009066:0.004373
£1.3 billion higher if the  PIDR was  1%  lower.:@0.513273:0.556823:0.831631:0.556823:0.831631:0.546238:0.513273:0.546238:0.008986:0.009066:0.003464:0.009130:0.006464:0.008906:0.003607:0.003863:0.003527:0.003863:0.008731:0.008651:0.006384:0.009034:0.003863:0.009194:0.009034:0.008348:0.005299:0.005634:0.003863:0.004629:0.004868:0.005411:0.009034:0.008156:0.004373:0.002426:0.008156:0.003942:0.010247:0.008731:0.004373:0.012434:0.008651:0.007230:0.004373:0.002426:0.008475:0.013695:0.004373:0.003272:0.003863:0.008651:0.010997:0.007901:0.005299:0.003464
 :@0.765249:0.556823:0.769623:0.556823:0.769623:0.546238:0.765249:0.546238:0.004373