142:@0.049227:0.056159:0.070397:0.056159:0.070397:0.047246:0.049227:0.047246:0.006720:0.006720:0.007728
Financial statements:@0.744792:0.058552:0.904051:0.058552:0.904051:0.047968:0.744792:0.047968:0.008491:0.004533:0.009832:0.008587:0.009656:0.007885:0.004533:0.008587:0.004772:0.005714:0.007390:0.006560:0.008986:0.006560:0.008986:0.015450:0.008986:0.010167:0.006560:0.007023
Table 28: Key assumptions in the CNST IBNR provision:@0.047547:0.102566:0.470094:0.102566:0.470094:0.091424:0.047547:0.091424:0.009157:0.008485:0.009745:0.004452:0.008485:0.005292:0.008989:0.008989:0.004200:0.006804:0.010904:0.009089:0.009039:0.004906:0.009039:0.007392:0.007174:0.010165:0.015121:0.010417:0.006536:0.004469:0.010265:0.010165:0.007208:0.006048:0.004284:0.008989:0.005712:0.006536:0.010114:0.009089:0.005259:0.009913:0.012601:0.008905:0.009325:0.005628:0.004704:0.009745:0.011929:0.009913:0.005628:0.010165:0.006468:0.009913:0.008737:0.004772:0.006989:0.004772:0.009761:0.010165
Assumption:@0.056452:0.129053:0.141381:0.129053:0.141381:0.117912:0.056452:0.117912:0.010501:0.006552:0.006552:0.009073:0.013693:0.009241:0.005796:0.004200:0.009157:0.010165
Approach:@0.189936:0.129053:0.258854:0.129053:0.258854:0.117912:0.189936:0.117912:0.010501:0.009157:0.009157:0.005880:0.009073:0.007897:0.007140:0.010114
Degree of:@0.333821:0.129053:0.403763:0.129053:0.403763:0.117912:0.333821:0.117912:0.010921:0.008065:0.009157:0.005964:0.007981:0.007981:0.004637:0.008804:0.006435
Sensitivity:@0.433468:0.129053:0.507023:0.129053:0.507023:0.117912:0.433468:0.117912:0.008317:0.008065:0.009073:0.006552:0.004284:0.005796:0.004284:0.008065:0.004284:0.005796:0.009039
Change in assumption between:@0.533434:0.129053:0.755460:0.129053:0.755460:0.117912:0.533434:0.117912:0.009409:0.008989:0.008065:0.009073:0.009241:0.008065:0.004872:0.003780:0.007897:0.004452:0.007981:0.006552:0.006552:0.008989:0.013609:0.009241:0.005796:0.004200:0.009157:0.008989:0.005208:0.009325:0.008149:0.005880:0.012097:0.008149:0.008149:0.010165
Effect of:@0.800806:0.129053:0.860249:0.129053:0.860249:0.117912:0.800806:0.117912:0.007897:0.005628:0.005628:0.007981:0.007056:0.005712:0.004452:0.008653:0.006435
uncertainty:@0.333821:0.144435:0.414684:0.144435:0.414684:0.133294:0.333821:0.133294:0.008905:0.008989:0.007140:0.008065:0.005964:0.005796:0.007981:0.004200:0.008989:0.005796:0.009039
to changes:@0.432628:0.144435:0.509409:0.144435:0.509409:0.133294:0.432628:0.133294:0.005796:0.009157:0.004872:0.007056:0.008821:0.007897:0.008821:0.009073:0.007897:0.007392
31 March 2021 and 31  March 2022:@0.533434:0.144435:0.771001:0.144435:0.771001:0.133294:0.533434:0.133294:0.006888:0.006888:0.006804:0.013777:0.007728:0.005712:0.006888:0.008653:0.005208:0.007560:0.007560:0.007560:0.007560:0.006048:0.007897:0.008905:0.009073:0.005208:0.006636:0.006636:0.004637:0.002671:0.013609:0.007644:0.005712:0.006804:0.008569:0.005208:0.007897:0.007981:0.007981:0.009661
change:@0.800386:0.144435:0.851142:0.144435:0.851142:0.133294:0.800386:0.133294:0.007056:0.008821:0.007897:0.008821:0.009073:0.009089
 :@0.849950:0.144435:0.854553:0.144435:0.854553:0.133294:0.849950:0.133294:0.004603
(CNST IBNR):@0.800386:0.159876:0.884291:0.159876:0.884291:0.148735:0.800386:0.148735:0.005124:0.008821:0.011089:0.007897:0.008233:0.004368:0.004200:0.008653:0.010585:0.008737:0.006200
Derived from :@0.191112:0.266184:0.285265:0.266184:0.285265:0.255042:0.191112:0.255042:0.010669:0.007981:0.005292:0.003780:0.007308:0.007981:0.008989:0.004872:0.004872:0.005376:0.009073:0.013357:0.004603
past claim :@0.191112:0.281862:0.262668:0.281862:0.262668:0.270721:0.191112:0.270721:0.008737:0.007560:0.006384:0.005124:0.004603:0.006737:0.003696:0.007644:0.003612:0.012853:0.004603
numbers and :@0.191112:0.297244:0.284845:0.297244:0.284845:0.286103:0.191112:0.286103:0.008737:0.008737:0.013441:0.009073:0.008149:0.005376:0.006552:0.004603:0.007409:0.008317:0.008737:0.004603
development:@0.190692:0.312626:0.281821:0.312626:0.281821:0.301485:0.190692:0.301485:0.009241:0.008065:0.007476:0.008149:0.003780:0.009157:0.009157:0.013441:0.008149:0.008821:0.005696
Ultimate:@0.057626:0.328067:0.116396:0.328067:0.116396:0.316926:0.057626:0.316926:0.010669:0.003780:0.005292:0.003696:0.013357:0.007897:0.005292:0.008787
patterns and:@0.191112:0.328067:0.278629:0.328067:0.278629:0.316926:0.191112:0.316926:0.009241:0.007897:0.005376:0.005376:0.008233:0.005544:0.008905:0.006720:0.004603:0.007409:0.008317:0.009896
number of:@0.057626:0.343449:0.130509:0.343449:0.130509:0.332308:0.057626:0.332308:0.008905:0.008821:0.013525:0.009157:0.008233:0.005460:0.004368:0.009157:0.005259
assumptions that :@0.190692:0.343449:0.312802:0.343449:0.312802:0.332308:0.190692:0.332308:0.007897:0.006552:0.006468:0.008737:0.013273:0.009073:0.005124:0.003780:0.008989:0.008653:0.006552:0.003612:0.005696:0.009089:0.008317:0.005696:0.004603
Medium:@0.333837:0.343449:0.391566:0.343449:0.391566:0.332308:0.333837:0.332308:0.013777:0.007981:0.009073:0.003696:0.008737:0.014466
High:@0.433888:0.343449:0.466079:0.343449:0.466079:0.332308:0.433888:0.332308:0.010501:0.003528:0.008653:0.009509
claims:@0.056872:0.358831:0.099026:0.358831:0.099026:0.347690:0.056872:0.347690:0.006972:0.003696:0.007728:0.003612:0.013021:0.007124
the level of risk :@0.189936:0.358831:0.299798:0.358831:0.299798:0.347690:0.189936:0.347690:0.005460:0.009073:0.008401:0.005292:0.003612:0.007813:0.007140:0.007728:0.003528:0.005628:0.009157:0.004956:0.004872:0.005208:0.003612:0.006384:0.007392:0.004603
will be similar to:@0.189936:0.374510:0.303360:0.374510:0.303360:0.363369:0.189936:0.363369:0.011761:0.003864:0.003864:0.003864:0.006048:0.008569:0.007560:0.004603:0.006401:0.003696:0.013525:0.003780:0.003780:0.007981:0.005460:0.003612:0.005208:0.009845
previous years, :@0.191112:0.389892:0.296102:0.389892:0.296102:0.378750:0.191112:0.378750:0.009073:0.005292:0.008065:0.007392:0.003696:0.008989:0.008653:0.006552:0.003612:0.007476:0.008149:0.007981:0.005460:0.006636:0.003360:0.004603
adjusted for :@0.190692:0.405273:0.278797:0.405273:0.278797:0.394131:0.190692:0.394131:0.007813:0.009157:0.003696:0.008737:0.006552:0.005292:0.008065:0.009157:0.004872:0.005259:0.009274:0.005628:0.004603
levels of activity:@0.191112:0.420714:0.300386:0.420714:0.300386:0.409572:0.191112:0.409572:0.003696:0.007897:0.007224:0.007813:0.003696:0.006384:0.004603:0.009257:0.005259:0.003898:0.008149:0.007308:0.005376:0.003780:0.007644:0.003864:0.005292:0.008132
The EN scheme has accelerated :@0.533098:0.184939:0.750991:0.184939:0.750991:0.173797:0.533098:0.173797:0.008233:0.008905:0.008233:0.005208:0.006972:0.010417:0.004788:0.006468:0.007056:0.008653:0.007981:0.013105:0.007981:0.005208:0.008317:0.007560:0.006300:0.004603:0.007745:0.007140:0.007140:0.007981:0.003780:0.007981:0.005376:0.007813:0.005208:0.008065:0.009073:0.004603
the reporting of potential PPO :@0.532678:0.200320:0.748555:0.200320:0.748555:0.189178:0.532678:0.189178:0.005460:0.009073:0.008401:0.005292:0.005544:0.008149:0.009241:0.009157:0.005460:0.005376:0.003864:0.008905:0.009241:0.005208:0.009157:0.004956:0.004872:0.009157:0.009157:0.005292:0.008065:0.008821:0.005292:0.003780:0.007897:0.003780:0.006048:0.007897:0.007981:0.010753:0.004603
claims. We have allowed for this by :@0.533098:0.215701:0.779217:0.215701:0.779217:0.204560:0.533098:0.204560:0.006972:0.003780:0.007813:0.003696:0.013105:0.006468:0.003276:0.004603:0.014550:0.008317:0.005208:0.008569:0.007728:0.007224:0.007897:0.004872:0.007981:0.003780:0.003864:0.009157:0.011341:0.008233:0.009241:0.005292:0.005259:0.009274:0.005628:0.003612:0.005376:0.008989:0.003864:0.006804:0.004788:0.008233:0.006720:0.004603
specifying separate assumptions :@0.533098:0.231083:0.759812:0.231083:0.759812:0.219942:0.533098:0.219942:0.006720:0.009073:0.008149:0.007140:0.003780:0.004788:0.007560:0.003780:0.008737:0.009157:0.004872:0.006636:0.008149:0.009241:0.007981:0.005376:0.007981:0.005292:0.008233:0.004788:0.007728:0.006468:0.006468:0.008737:0.013189:0.009073:0.005124:0.003780:0.008989:0.008653:0.006468:0.004603
for claims that are expected to be :@0.533098:0.246465:0.769556:0.246465:0.769556:0.235324:0.533098:0.235324:0.005259:0.009526:0.005847:0.003898:0.007056:0.003696:0.007728:0.003612:0.013021:0.006468:0.003612:0.005696:0.009089:0.008317:0.005696:0.004603:0.007930:0.005376:0.008149:0.004788:0.008149:0.007056:0.009241:0.008233:0.007140:0.005292:0.008149:0.009241:0.004603:0.005309:0.009493:0.004788:0.008317:0.007476:0.004603
reported under the EN scheme.:@0.533854:0.262203:0.748774:0.262203:0.748774:0.251062:0.533854:0.251062:0.005376:0.008149:0.009241:0.009157:0.005376:0.005292:0.008233:0.009241:0.006048:0.008905:0.008905:0.009241:0.008233:0.005460:0.003276:0.005460:0.009073:0.008401:0.005292:0.006972:0.010333:0.004872:0.006384:0.006972:0.008569:0.007897:0.013021:0.007897:0.003646
Generally we assume that there:@0.533434:0.277586:0.751562:0.277586:0.751562:0.266445:0.533434:0.266445:0.010921:0.008317:0.008989:0.008317:0.005460:0.008065:0.003780:0.003864:0.007644:0.003612:0.011929:0.008787:0.005074:0.007560:0.006384:0.006300:0.008569:0.012937:0.007897:0.004032:0.005696:0.009257:0.008552:0.005477:0.003696:0.005376:0.008989:0.008401:0.005460:0.008787
will be a similar number of:@0.532678:0.292968:0.717204:0.292968:0.717204:0.281827:0.532678:0.281827:0.011929:0.004066:0.003831:0.004066:0.005511:0.008569:0.007560:0.004872:0.006804:0.005292:0.006636:0.003696:0.013357:0.003696:0.003696:0.007897:0.005376:0.004788:0.008905:0.008821:0.013525:0.009157:0.008233:0.005460:0.004368:0.009157:0.005259
successful PPO claims but there has:@0.533098:0.308350:0.775017:0.308350:0.775017:0.297209:0.533098:0.297209:0.006384:0.008485:0.006888:0.006972:0.007813:0.006384:0.006384:0.004704:0.008485:0.003612:0.005628:0.008233:0.008149:0.011005:0.004603:0.006905:0.003696:0.007728:0.003612:0.013021:0.006468:0.004788:0.009073:0.008737:0.005208:0.003612:0.005460:0.009157:0.008485:0.005544:0.008485:0.005208:0.008317:0.007560:0.007124
been a slightly higher number of:@0.533854:0.323791:0.759963:0.323791:0.759963:0.312650:0.533854:0.312650:0.009073:0.007897:0.007981:0.008569:0.005208:0.006888:0.004788:0.006636:0.003780:0.003780:0.009241:0.008821:0.005208:0.003780:0.007560:0.004872:0.008821:0.003864:0.009241:0.008989:0.008233:0.005544:0.004603:0.008753:0.008905:0.013609:0.009241:0.008233:0.005544:0.004032:0.009157:0.005259
potential PPO claims reported over :@0.533854:0.339470:0.779217:0.339470:0.779217:0.328329:0.533854:0.328329:0.009157:0.009073:0.005292:0.008149:0.008821:0.005292:0.003864:0.007897:0.003780:0.006048:0.008233:0.008149:0.011005:0.004032:0.006972:0.003780:0.007813:0.003696:0.013189:0.006468:0.004603:0.005225:0.008149:0.009241:0.009157:0.005376:0.005292:0.008233:0.009241:0.005712:0.008989:0.007392:0.008065:0.005376:0.004603
+^   §:@0.795531:0.339096:0.830155:0.339096:0.830155:0.329626:0.795531:0.329626:0.009328:0.009782:0.002644:0.003927:0.002545:0.006398
 | j||jon:@0.831064:0.339470:0.878627:0.339470:0.878627:0.328329:0.831064:0.328329:0.005628:0.004015:0.004805:0.003780:0.004015:0.003713:0.003864:0.008233:0.009509
3:@0.838708:0.338098:0.842783:0.338098:0.842783:0.333085:0.838708:0.333085:0.004075
the year which leads to a slight:@0.532678:0.354852:0.746455:0.354852:0.746455:0.343711:0.532678:0.343711:0.005460:0.009073:0.008401:0.004032:0.007813:0.008317:0.008149:0.005628:0.003612:0.011593:0.008989:0.003780:0.007392:0.008989:0.005628:0.003696:0.008065:0.007813:0.008989:0.006468:0.003276:0.005460:0.009409:0.004872:0.006888:0.004788:0.006384:0.003696:0.003780:0.008989:0.008653:0.005696
increase in the assumed number:@0.533854:0.370234:0.756015:0.370234:0.756015:0.359093:0.533854:0.359093:0.003780:0.008653:0.006972:0.005292:0.007897:0.007813:0.006468:0.007981:0.005208:0.003360:0.007981:0.004603:0.005309:0.009073:0.008401:0.004872:0.007813:0.006384:0.006300:0.008569:0.013021:0.007897:0.008905:0.005628:0.008737:0.008737:0.013441:0.009073:0.008149:0.005847
of claims and IBNR provision.:@0.533434:0.385616:0.731384:0.385616:0.731384:0.374474:0.533434:0.374474:0.009409:0.005259:0.003898:0.007056:0.003696:0.007728:0.003612:0.013021:0.006468:0.004368:0.007644:0.008485:0.008905:0.006048:0.003948:0.008485:0.011005:0.008821:0.004872:0.008905:0.005208:0.008905:0.007308:0.003696:0.006384:0.003696:0.008905:0.008569:0.003646
The expected number of future :@0.533098:0.409550:0.755444:0.409550:0.755444:0.398408:0.533098:0.398408:0.008233:0.008905:0.008233:0.004872:0.008149:0.007056:0.009241:0.008233:0.007140:0.005292:0.008149:0.009241:0.005628:0.008821:0.008821:0.013525:0.009157:0.008233:0.005460:0.004603:0.009257:0.005259:0.003478:0.005259:0.008938:0.005460:0.009073:0.005544:0.008485:0.004603
non-PPO claims is similar to last :@0.533854:0.424991:0.753007:0.424991:0.753007:0.413850:0.533854:0.413850:0.008569:0.008821:0.008653:0.006048:0.008485:0.008485:0.011425:0.004603:0.006821:0.003696:0.007728:0.003612:0.013021:0.006468:0.004872:0.003192:0.005712:0.004032:0.006720:0.003696:0.013441:0.003696:0.003696:0.007981:0.005460:0.003696:0.005292:0.009157:0.005292:0.003528:0.007476:0.006216:0.004956:0.004603
year. We continue to assume :@0.532678:0.440373:0.734442:0.440373:0.734442:0.429232:0.532678:0.429232:0.007392:0.007981:0.007813:0.005376:0.003276:0.004872:0.014701:0.008233:0.004603:0.006905:0.009241:0.008821:0.005292:0.003780:0.008821:0.008821:0.008233:0.004032:0.005460:0.009493:0.004603:0.007409:0.006384:0.006300:0.008569:0.012853:0.007897:0.004603
that the number of non-PPO :@0.532678:0.455755:0.735618:0.455755:0.735618:0.444613:0.532678:0.444613:0.005696:0.009257:0.008552:0.005477:0.003696:0.005460:0.009073:0.008401:0.005292:0.008905:0.008905:0.013609:0.009241:0.008233:0.005544:0.004032:0.009409:0.005040:0.004872:0.008401:0.008737:0.008485:0.005964:0.008401:0.008401:0.011257:0.004603
claims arising from :@0.533098:0.471136:0.666314:0.471136:0.666314:0.459994:0.533098:0.459994:0.006972:0.003780:0.007813:0.003696:0.013189:0.006468:0.004603:0.007661:0.005208:0.003696:0.006468:0.003612:0.008569:0.008989:0.004788:0.004956:0.005460:0.009157:0.013525:0.004603
2 0 2 0 / 2 1:@0.666917:0.469764:0.714266:0.469764:0.714266:0.464750:0.666917:0.464750:0.004075:0.003486:0.004075:0.003320:0.004075:0.003486:0.004075:0.003320:0.002949:0.002851:0.004075:0.003486:0.004075
 will :@0.717740:0.471136:0.751410:0.471136:0.751410:0.459994:0.717740:0.459994:0.006048:0.011425:0.003864:0.003864:0.003864:0.004603
be lower owing to disruption in :@0.533852:0.486813:0.755442:0.486813:0.755442:0.475672:0.533852:0.475672:0.008569:0.007560:0.005628:0.003780:0.009409:0.011509:0.008401:0.005628:0.004032:0.009325:0.011425:0.003780:0.008905:0.009325:0.004603:0.005309:0.009409:0.004603:0.008921:0.003696:0.006552:0.005376:0.008737:0.009073:0.005292:0.003780:0.009073:0.008737:0.005628:0.003276:0.007644:0.004603
clinical activities due to Covid-19.:@0.533096:0.502195:0.758180:0.502195:0.758180:0.491054:0.533096:0.491054:0.007056:0.003780:0.003696:0.008569:0.003696:0.006972:0.007728:0.003612:0.005628:0.007897:0.007224:0.005376:0.003780:0.007560:0.003864:0.005292:0.003864:0.008149:0.006720:0.004603:0.008753:0.008569:0.007897:0.004032:0.005460:0.009493:0.004368:0.008905:0.008485:0.006972:0.003444:0.008569:0.005796:0.007813:0.007813:0.003646
Propensity to :@0.057626:0.561824:0.152955:0.561824:0.152955:0.550683:0.057626:0.550683:0.008821:0.005460:0.009073:0.009073:0.008149:0.008821:0.006636:0.003696:0.005292:0.007560:0.003696:0.005292:0.009157:0.004603
settle as PPO:@0.056870:0.577205:0.146571:0.577205:0.146571:0.566064:0.056870:0.566064:0.006804:0.008233:0.005376:0.005376:0.003780:0.008317:0.004872:0.007476:0.006216:0.004603:0.007913:0.008065:0.012668
Value threshold :@0.189936:0.538425:0.302571:0.538425:0.302571:0.527284:0.189936:0.527284:0.009745:0.007981:0.003780:0.008989:0.008233:0.004032:0.005292:0.008821:0.005376:0.008149:0.006636:0.008821:0.009157:0.003780:0.009241:0.004603
derived:@0.190692:0.553807:0.242003:0.553807:0.242003:0.542665:0.190692:0.542665:0.008989:0.007981:0.005376:0.003696:0.007308:0.008065:0.009896
from recent :@0.190356:0.569486:0.275941:0.569486:0.275941:0.558344:0.190356:0.558344:0.004956:0.005376:0.009157:0.013525:0.005628:0.005376:0.007981:0.007140:0.007981:0.008653:0.005208:0.004603
Medium:@0.333501:0.569486:0.391230:0.569486:0.391230:0.558344:0.333501:0.558344:0.013777:0.007981:0.009073:0.003696:0.008737:0.014466
years' settled :@0.189936:0.584868:0.284425:0.584868:0.284425:0.573726:0.189936:0.573726:0.007644:0.008149:0.007981:0.005460:0.006636:0.003612:0.004603:0.006485:0.008065:0.005208:0.005208:0.003696:0.008065:0.009073:0.004603
claims data:@0.190356:0.600309:0.266868:0.600309:0.266868:0.589167:0.190356:0.589167:0.006972:0.003696:0.007728:0.003612:0.013021:0.006468:0.004603:0.008921:0.007813:0.005124:0.008552
A value-based threshold has :@0.532678:0.538425:0.732846:0.538425:0.732846:0.527284:0.532678:0.527284:0.011257:0.003612:0.007476:0.007897:0.003696:0.008737:0.008065:0.006216:0.008989:0.007897:0.006552:0.008065:0.009073:0.004603:0.005141:0.008905:0.005460:0.008233:0.006720:0.008905:0.009157:0.003864:0.009241:0.005628:0.008317:0.007560:0.006300:0.004603
been used to identify potential :@0.533854:0.553807:0.751411:0.553807:0.751411:0.542665:0.533854:0.542665:0.009073:0.007897:0.007981:0.008569:0.005628:0.008317:0.006300:0.007728:0.008653:0.004603:0.005309:0.009493:0.004788:0.003864:0.009409:0.008401:0.009073:0.005460:0.003864:0.005040:0.007728:0.005292:0.009073:0.008989:0.005208:0.007981:0.008737:0.005208:0.003780:0.007813:0.003696:0.004603
Medium :@0.433888:0.569484:0.495363:0.569484:0.495363:0.558343:0.433888:0.558343:0.013861:0.008065:0.009157:0.003696:0.008821:0.013273:0.004603
PPO claims. The selected value :@0.533854:0.569484:0.746539:0.569484:0.746539:0.558343:0.533854:0.558343:0.008149:0.008233:0.011089:0.004368:0.006972:0.003696:0.007728:0.003612:0.013021:0.006468:0.003276:0.005292:0.008065:0.008737:0.008149:0.004603:0.006317:0.007981:0.003780:0.008065:0.007224:0.005292:0.008065:0.009157:0.004603:0.007325:0.007981:0.003780:0.008821:0.008233:0.004603
of the threshold has increased :@0.533434:0.584866:0.744523:0.584866:0.744523:0.573725:0.533434:0.573725:0.009409:0.005259:0.003478:0.005376:0.008905:0.008317:0.004603:0.005057:0.008821:0.005376:0.008233:0.006636:0.008821:0.009157:0.003864:0.009241:0.005628:0.008569:0.007644:0.006384:0.004788:0.003612:0.008569:0.006888:0.005292:0.007813:0.007644:0.006384:0.007813:0.008905:0.004603
slightly from £3.25m to £3.5m.:@0.533098:0.600308:0.742557:0.600308:0.742557:0.589166:0.533098:0.589166:0.006720:0.003696:0.003780:0.009157:0.008821:0.005208:0.003780:0.007560:0.004032:0.004956:0.005460:0.009157:0.013525:0.005628:0.008569:0.008569:0.003444:0.007981:0.007981:0.012685:0.004603:0.005309:0.009409:0.004872:0.008737:0.008737:0.003444:0.007728:0.012265:0.003646
Impact is :@0.800806:0.530704:0.865474:0.530704:0.865474:0.519563:0.800806:0.519563:0.004032:0.013189:0.009073:0.007813:0.007056:0.005208:0.005208:0.003024:0.005460:0.004603
minimal and :@0.800806:0.546146:0.889247:0.546146:0.889247:0.535004:0.800806:0.535004:0.013021:0.003696:0.008569:0.003696:0.013189:0.007728:0.003696:0.005628:0.007560:0.008317:0.008737:0.004603
included :@0.800806:0.561824:0.862618:0.561824:0.862618:0.550683:0.800806:0.550683:0.003612:0.008653:0.006972:0.003612:0.008653:0.008821:0.007981:0.008905:0.004603
in ultimate :@0.800806:0.577205:0.878747:0.577205:0.878747:0.566064:0.800806:0.566064:0.003360:0.007897:0.005628:0.008905:0.003780:0.005208:0.003780:0.013357:0.007981:0.005292:0.008149:0.004603
number of :@0.800806:0.592586:0.877571:0.592586:0.877571:0.581444:0.800806:0.581444:0.008821:0.008821:0.013525:0.009157:0.008233:0.005460:0.004603:0.008753:0.004788:0.004603
claims above:@0.799966:0.607968:0.887466:0.607968:0.887466:0.596826:0.799966:0.596826:0.007056:0.003696:0.007728:0.003612:0.013021:0.006468:0.004368:0.007644:0.008905:0.008989:0.007224:0.008787
Average cost :@0.056452:0.702637:0.149765:0.702637:0.149765:0.691495:0.056452:0.691495:0.010249:0.007644:0.008317:0.005544:0.008149:0.009325:0.008401:0.004603:0.006569:0.008653:0.006216:0.005040:0.004603
per claim:@0.057628:0.718018:0.120565:0.718018:0.120565:0.706876:0.057628:0.706876:0.009157:0.008065:0.005376:0.004032:0.006888:0.003696:0.007644:0.003612:0.014466
Derived from :@0.191112:0.656432:0.285265:0.656432:0.285265:0.645290:0.191112:0.645290:0.010669:0.007981:0.005292:0.003780:0.007308:0.007981:0.008989:0.004872:0.004872:0.005376:0.009073:0.013357:0.004603
past settled :@0.191112:0.671813:0.274345:0.671813:0.274345:0.660671:0.191112:0.660671:0.008737:0.007560:0.006384:0.005124:0.004603:0.006569:0.008065:0.005292:0.005292:0.003696:0.008149:0.009157:0.004603
claims-set :@0.190356:0.687254:0.271153:0.687254:0.271153:0.676112:0.190356:0.676112:0.007981:0.004066:0.008871:0.004066:0.014835:0.007308:0.006720:0.007476:0.008989:0.005880:0.004603
separately for :@0.190356:0.702695:0.289718:0.702695:0.289718:0.691554:0.190356:0.691554:0.006720:0.008149:0.009241:0.007981:0.005460:0.007981:0.005376:0.008149:0.003864:0.007644:0.004032:0.005259:0.009274:0.005628:0.004603
damages, NHS :@0.190692:0.718018:0.293750:0.718018:0.293750:0.706876:0.190692:0.706876:0.009073:0.007981:0.013441:0.007981:0.009157:0.008149:0.006636:0.003360:0.005208:0.010333:0.009829:0.007308:0.004603
legal costs :@0.191112:0.733398:0.265524:0.733398:0.265524:0.722257:0.191112:0.722257:0.003612:0.007981:0.008905:0.007728:0.003612:0.004872:0.006804:0.008737:0.006216:0.005040:0.006300:0.004603
and claimant :@0.190692:0.749077:0.283669:0.749077:0.283669:0.737936:0.190692:0.737936:0.007644:0.008485:0.008905:0.005208:0.007056:0.003780:0.007981:0.003780:0.013441:0.007981:0.008821:0.005292:0.004603
costs:@0.190356:0.764458:0.224194:0.764458:0.224194:0.753316:0.190356:0.753316:0.006720:0.008737:0.006216:0.005040:0.007124
The average cost per claim :@0.533098:0.636774:0.719909:0.636774:0.719909:0.625632:0.533098:0.625632:0.008233:0.008905:0.008233:0.004872:0.007981:0.007476:0.008149:0.005460:0.007897:0.009241:0.008233:0.004368:0.006720:0.008653:0.006216:0.005040:0.005292:0.009157:0.007981:0.005376:0.004032:0.006888:0.003696:0.007644:0.003612:0.012853:0.004603
assumptions have increased slightly :@0.533434:0.652156:0.781653:0.652156:0.781653:0.641014:0.533434:0.641014:0.007897:0.006552:0.006468:0.008737:0.013273:0.009073:0.005124:0.003780:0.008989:0.008653:0.006552:0.004872:0.008569:0.007728:0.007224:0.007897:0.005292:0.003696:0.008737:0.006972:0.005292:0.007897:0.007728:0.006468:0.007897:0.008989:0.004872:0.006552:0.003696:0.003780:0.009157:0.008737:0.005208:0.003780:0.007476:0.004603
but haven't kept pace with the :@0.533854:0.667538:0.750151:0.667538:0.750151:0.656396:0.533854:0.656396:0.009073:0.008737:0.005208:0.005208:0.008905:0.007981:0.007560:0.008149:0.008905:0.003612:0.005292:0.005292:0.007560:0.008065:0.008989:0.005208:0.005208:0.008737:0.007560:0.006972:0.007813:0.004032:0.011929:0.004066:0.005427:0.009241:0.004368:0.005376:0.008905:0.008317:0.004603
expected level of claims inflation.:@0.533434:0.682979:0.762718:0.682979:0.762718:0.671838:0.533434:0.671838:0.008149:0.007056:0.009241:0.008233:0.007140:0.005292:0.008149:0.009241:0.005712:0.003612:0.007813:0.007140:0.007728:0.003528:0.005628:0.009157:0.004956:0.004032:0.006972:0.003780:0.007813:0.003696:0.013189:0.006468:0.004872:0.003864:0.009073:0.004872:0.003864:0.007981:0.005376:0.003864:0.009241:0.008905:0.003646
The assumed average cost for :@0.533098:0.707447:0.742557:0.707447:0.742557:0.696306:0.533098:0.696306:0.008233:0.008905:0.008233:0.004872:0.007813:0.006384:0.006300:0.008569:0.012937:0.007897:0.008905:0.005292:0.007981:0.007476:0.008149:0.005460:0.007897:0.009241:0.008233:0.004603:0.006653:0.008653:0.006132:0.004956:0.004603:0.004973:0.009661:0.005847:0.004603
. £ 4:@0.799630:0.706076:0.816310:0.706076:0.816310:0.701062:0.799630:0.701062:0.001641:0.002647:0.004075:0.004242:0.004075
   billion:@0.820632:0.707447:0.880124:0.707447:0.880124:0.696306:0.820632:0.696306:0.004603:0.007913:0.005208:0.008821:0.003612:0.003612:0.003696:0.003612:0.008905:0.009509
5:@0.826260:0.706076:0.830335:0.706076:0.830335:0.701062:0.826260:0.701062:0.004075
PPOs also depends on the HM :@0.533854:0.722295:0.743683:0.722295:0.743683:0.711153:0.533854:0.711153:0.008317:0.008233:0.011089:0.006216:0.004603:0.007409:0.003612:0.006300:0.008737:0.004872:0.009157:0.008065:0.009157:0.008149:0.008737:0.009073:0.006552:0.004368:0.008653:0.008317:0.004603:0.005309:0.009073:0.008401:0.005292:0.010081:0.012853:0.004603
Treasury discount rate used :@0.533098:0.737675:0.725202:0.737675:0.725202:0.726534:0.533098:0.726534:0.008149:0.005376:0.008149:0.007981:0.006636:0.008821:0.005376:0.007560:0.004603:0.008753:0.003696:0.006468:0.007056:0.008989:0.008653:0.008653:0.005208:0.005208:0.005292:0.007728:0.005208:0.007981:0.005712:0.008065:0.006132:0.007560:0.008485:0.004603
to place a present value on :@0.532678:0.753056:0.722765:0.753056:0.722765:0.741915:0.532678:0.741915:0.005460:0.009409:0.004872:0.008905:0.003612:0.007728:0.006972:0.007897:0.004788:0.006888:0.005628:0.009073:0.005376:0.008149:0.006552:0.008065:0.008737:0.005292:0.004032:0.007560:0.008065:0.003780:0.008905:0.008317:0.004872:0.008401:0.008149:0.004603
structured settlement payments.:@0.533098:0.768497:0.758014:0.768497:0.758014:0.757356:0.533098:0.757356:0.006720:0.005376:0.005376:0.008821:0.007308:0.005292:0.008821:0.005376:0.008233:0.009241:0.005208:0.006720:0.008233:0.005376:0.005460:0.003864:0.008401:0.013693:0.008401:0.008989:0.005460:0.004872:0.009157:0.007728:0.007476:0.013189:0.008065:0.008653:0.005208:0.006552:0.003646
This has been accounted below.:@0.533098:0.784179:0.751546:0.784179:0.751546:0.773037:0.533098:0.773037:0.008149:0.008821:0.003780:0.006636:0.004872:0.008317:0.007560:0.006300:0.004788:0.008905:0.007813:0.007897:0.008485:0.005628:0.007728:0.007056:0.007056:0.008905:0.008653:0.008653:0.005208:0.007897:0.008989:0.006048:0.008989:0.007981:0.003780:0.008905:0.011005:0.003646