146:@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
Claims inflation:@0.048807:0.103100:0.181200:0.103100:0.181200:0.091959:0.048807:0.091959:0.011089:0.005124:0.009577:0.005124:0.016381:0.007897:0.006468:0.005124:0.010837:0.006804:0.005124:0.009661:0.006972:0.005124:0.010921:0.010165
The following table shows the effect on the value of the provisions of a +/-  1%  change to the :@0.047967:0.125246:0.721730:0.125246:0.721730:0.114662:0.047967:0.114662:0.008364:0.008858:0.008348:0.005507:0.004996:0.009353:0.003863:0.003863:0.009353:0.011747:0.003863:0.009034:0.009624:0.006049:0.005411:0.007949:0.009385:0.003863:0.008092:0.005634:0.006767:0.009034:0.009561:0.011540:0.007023:0.005299:0.005411:0.009034:0.008156:0.006049:0.008348:0.005171:0.004996:0.008523:0.007374:0.005411:0.005283:0.008571:0.008395:0.006049:0.005411:0.009034:0.008156:0.005203:0.007645:0.008124:0.003863:0.008842:0.008348:0.005938:0.009353:0.004756:0.004788:0.005411:0.009034:0.008156:0.006464:0.009162:0.005379:0.008986:0.007390:0.003863:0.006464:0.003863:0.008906:0.008826:0.006560:0.005634:0.009353:0.004756:0.005203:0.006895:0.006464:0.008826:0.004964:0.005123:0.004373:0.003272:0.008491:0.013695:0.004373:0.002522:0.007374:0.009034:0.008124:0.009034:0.009401:0.008348:0.005139:0.005411:0.009130:0.005203:0.005411:0.008699:0.008060:0.004373
 :@0.593611:0.125246:0.597984:0.125246:0.597984:0.114662:0.593611:0.114662:0.004373
claims inflation assumptions. An addition of +/-  1% to the claims inflation assumptions will reduce :@0.048387:0.140628:0.755540:0.140628:0.755540:0.130044:0.048387:0.130044:0.007374:0.003863:0.007837:0.003863:0.013519:0.006767:0.005586:0.003863:0.009034:0.004996:0.003607:0.008124:0.005235:0.003863:0.009162:0.009034:0.006337:0.008124:0.006767:0.006767:0.008842:0.013742:0.009385:0.005411:0.003863:0.009178:0.009034:0.006592:0.003464:0.006033:0.010502:0.009241:0.006464:0.007901:0.009162:0.009066:0.003863:0.005203:0.003863:0.008986:0.008826:0.006464:0.009353:0.004756:0.005634:0.008826:0.005044:0.005123:0.004373:0.003272:0.008475:0.013695:0.006464:0.005411:0.009034:0.005299:0.005411:0.009034:0.008156:0.005634:0.007374:0.003863:0.007837:0.003863:0.013439:0.006767:0.006001:0.003863:0.008826:0.004996:0.003655:0.008124:0.005155:0.003863:0.009082:0.009034:0.006337:0.008124:0.006576:0.006767:0.009034:0.013742:0.009385:0.005411:0.003863:0.009353:0.009034:0.006767:0.004677:0.011540:0.003863:0.003863:0.003863:0.006688:0.005299:0.008060:0.009066:0.008731:0.007135:0.008060:0.004373
 :@0.397183:0.140628:0.401557:0.140628:0.401557:0.130044:0.397183:0.130044:0.004373
the value of the claims by 6%  or increase it by 7%  per annum. The effect of changes in the :@0.047967:0.156009:0.706024:0.156009:0.706024:0.145425:0.047967:0.145425:0.005411:0.009034:0.008156:0.005203:0.007645:0.008124:0.003863:0.008842:0.008348:0.005938:0.009353:0.004756:0.004868:0.005411:0.009034:0.008156:0.006049:0.007135:0.003863:0.007821:0.003863:0.013359:0.006767:0.005922:0.008651:0.007135:0.005203:0.009577:0.014620:0.004373:0.002522:0.008826:0.005299:0.005634:0.003863:0.008731:0.007135:0.005379:0.008348:0.007789:0.006767:0.008012:0.006464:0.003368:0.004709:0.005634:0.008826:0.007310:0.005203:0.009497:0.014365:0.004373:0.002857:0.008986:0.007901:0.005299:0.005634:0.008124:0.009034:0.009305:0.009034:0.013742:0.003464:0.006608:0.008364:0.008779:0.008348:0.005507:0.008348:0.005267:0.004996:0.008523:0.007374:0.005411:0.005698:0.009353:0.004756:0.005203:0.007374:0.009034:0.008124:0.009034:0.009401:0.008348:0.006767:0.006017:0.003272:0.007645:0.006049:0.005411:0.008699:0.008060:0.004373
discount rate is not a symmetrical one -  due to the impacts of compound discounting.:@0.048387:0.171688:0.663716:0.171688:0.663716:0.161103:0.048387:0.161103:0.009401:0.003863:0.006767:0.007182:0.009353:0.009034:0.009034:0.005411:0.005650:0.005554:0.007805:0.005203:0.008060:0.006049:0.003192:0.005714:0.006049:0.009034:0.009034:0.005411:0.005171:0.006799:0.006049:0.006767:0.007725:0.013487:0.013742:0.008092:0.005411:0.005554:0.003655:0.007374:0.007917:0.003863:0.006384:0.008986:0.008731:0.008060:0.004788:0.006384:0.002522:0.005203:0.009066:0.008731:0.008060:0.005203:0.005411:0.009130:0.005203:0.005411:0.009034:0.008156:0.006464:0.003863:0.013439:0.009162:0.008124:0.007087:0.005411:0.006512:0.005634:0.009353:0.004756:0.005299:0.007374:0.009002:0.013742:0.009114:0.009353:0.009034:0.008826:0.009401:0.006384:0.009401:0.003863:0.006560:0.007374:0.009178:0.009034:0.008858:0.005411:0.003863:0.009034:0.009082:0.003464
Sensitivity of provisions to claims inflation (f m):@0.295951:0.211189:0.657493:0.211189:0.657493:0.200048:0.295951:0.200048:0.009241:0.008821:0.009913:0.007392:0.004452:0.006536:0.004469:0.008821:0.004772:0.006233:0.008821:0.004032:0.010265:0.006435:0.004637:0.009997:0.006468:0.009745:0.008653:0.004536:0.007056:0.004536:0.009745:0.009661:0.007056:0.004452:0.006300:0.009829:0.004368:0.007728:0.004536:0.008485:0.004536:0.014533:0.006972:0.005292:0.004772:0.009509:0.006048:0.004536:0.008653:0.006216:0.004536:0.009745:0.009661:0.005208:0.006552:0.006804:0.001176:0.012601:0.006200
Provisions:@0.056032:0.234826:0.132392:0.234826:0.132392:0.223685:0.056032:0.223685:0.009745:0.006216:0.009661:0.008485:0.004452:0.006888:0.004452:0.009577:0.009493:0.007392
All rates reduced by:@0.317372:0.234826:0.469724:0.234826:0.469724:0.223685:0.317372:0.223685:0.010921:0.004368:0.004452:0.006048:0.006384:0.008401:0.006132:0.008485:0.006888:0.005628:0.006468:0.008569:0.009829:0.009577:0.007644:0.008569:0.009829:0.005628:0.009493:0.009039
Base:@0.577453:0.234826:0.612248:0.234826:0.612248:0.223685:0.577453:0.223685:0.010165:0.008569:0.006972:0.009089
All rates increased by:@0.735047:0.234826:0.898404:0.234826:0.898404:0.223685:0.735047:0.223685:0.011173:0.004452:0.004536:0.005712:0.006384:0.008485:0.006216:0.008569:0.006972:0.005292:0.004772:0.009593:0.007728:0.006300:0.008737:0.008569:0.007056:0.008653:0.009913:0.005712:0.009493:0.009039
1% pa:@0.279822:0.258225:0.326411:0.258225:0.326411:0.247084:0.279822:0.247084:0.008569:0.012853:0.006804:0.009325:0.009039
%:@0.454469:0.258101:0.467525:0.258101:0.467525:0.247516:0.454469:0.247516:0.013056
assumptions:@0.516129:0.250208:0.611559:0.250208:0.611559:0.239066:0.516129:0.239066:0.008737:0.007140:0.007140:0.009745:0.014785:0.009997:0.006300:0.004536:0.009913:0.009745:0.007392
1% pa:@0.708501:0.258225:0.755007:0.258225:0.755007:0.247084:0.708501:0.247084:0.008485:0.012853:0.006888:0.009241:0.009039
%:@0.883065:0.258101:0.896121:0.258101:0.896121:0.247516:0.883065:0.247516:0.013056
Known claims:@0.056452:0.283585:0.159425:0.283585:0.159425:0.272443:0.056452:0.272443:0.009997:0.009829:0.010165:0.012601:0.009829:0.005628:0.007476:0.004066:0.008283:0.004066:0.013911:0.007124
33,875:@0.277386:0.283585:0.325739:0.283585:0.325739:0.272443:0.277386:0.272443:0.009056:0.008753:0.003646:0.008787:0.009056:0.009056
- %:@0.439096:0.283288:0.467792:0.283288:0.467792:0.272146:0.439096:0.272146:0.006720:0.008232:0.013743
2:@0.444724:0.281916:0.448800:0.281916:0.448800:0.276902:0.444724:0.276902:0.004075
34,691:@0.562500:0.283585:0.610719:0.283585:0.610719:0.272443:0.562500:0.272443:0.008569:0.008653:0.004032:0.008653:0.008653:0.009661
35,543:@0.705645:0.283585:0.753763:0.283585:0.753763:0.272443:0.705645:0.272443:0.008821:0.009056:0.003377:0.009056:0.008753:0.009056
2:@0.873404:0.281916:0.877479:0.281916:0.877479:0.276902:0.873404:0.276902:0.004075
%:@0.882644:0.283288:0.896388:0.283288:0.896388:0.272146:0.882644:0.272146:0.013743
Settled PPOs:@0.055612:0.305796:0.150857:0.305796:0.150857:0.294655:0.055612:0.294655:0.008921:0.008787:0.005696:0.005696:0.004066:0.008787:0.010131:0.006804:0.008737:0.008737:0.011761:0.007124
29,572:@0.277386:0.305499:0.325252:0.305499:0.325252:0.294358:0.277386:0.294358:0.008821:0.008821:0.003646:0.008703:0.008821:0.009056
0:@0.444388:0.304425:0.448464:0.304425:0.448464:0.299411:0.444388:0.299411:0.004075
%:@0.454049:0.305796:0.467792:0.305796:0.467792:0.294655:0.454049:0.294655:0.013743
29,572:@0.562500:0.305499:0.612063:0.305499:0.612063:0.294358:0.562500:0.294358:0.008989:0.008905:0.004200:0.008905:0.008905:0.009661
29,572:@0.706065:0.305499:0.753847:0.305499:0.753847:0.294358:0.706065:0.294358:0.008737:0.008821:0.003646:0.008703:0.008821:0.009056
0:@0.872984:0.304425:0.877059:0.304425:0.877059:0.299411:0.872984:0.299411:0.004075
%:@0.882644:0.305796:0.896388:0.305796:0.896388:0.294655:0.882644:0.294655:0.013743
IBNR:@0.056452:0.328067:0.091364:0.328067:0.091364:0.316926:0.056452:0.316926:0.004200:0.008989:0.011677:0.010047
57,044:@0.278646:0.328067:0.326092:0.328067:0.326092:0.316926:0.278646:0.316926:0.008737:0.008737:0.003444:0.008737:0.008737:0.009056
- %:@0.433048:0.328305:0.467792:0.328305:0.467792:0.317164:0.433048:0.317164:0.006720:0.014281:0.013743
1 1:@0.438676:0.326933:0.450396:0.326933:0.450396:0.321919:0.438676:0.321919:0.004075:0.003569:0.004075
64,288:@0.561324:0.328305:0.612147:0.328305:0.612147:0.317164:0.561324:0.317164:0.009157:0.009157:0.004368:0.009241:0.009241:0.009661
72,722:@0.706485:0.328067:0.753931:0.328067:0.753931:0.316926:0.706485:0.316926:0.008737:0.008737:0.003444:0.008737:0.008737:0.009056
13%:@0.866095:0.328305:0.896808:0.328305:0.896808:0.317164:0.866095:0.317164:0.008485:0.008485:0.013743
Total provisions:@0.055276:0.350576:0.175403:0.350576:0.175403:0.339435:0.055276:0.339435:0.008989:0.009409:0.005964:0.008317:0.004368:0.005628:0.009913:0.006384:0.009745:0.008569:0.004536:0.006972:0.004536:0.009745:0.009661:0.007392
120,491:@0.268985:0.350576:0.324933:0.350576:0.324933:0.339435:0.268985:0.339435:0.008401:0.008485:0.008485:0.003948:0.008485:0.008485:0.009661
-6%:@0.438323:0.350576:0.468263:0.350576:0.468263:0.339435:0.438323:0.339435:0.006300:0.009073:0.014567
128,551:@0.555276:0.350576:0.610971:0.350576:0.610971:0.339435:0.555276:0.339435:0.008485:0.008401:0.008401:0.003948:0.008401:0.008401:0.009661
137,837:@0.699160:0.350279:0.755192:0.350279:0.755192:0.339138:0.699160:0.339138:0.008485:0.008485:0.008485:0.003948:0.008485:0.008485:0.009661
7%:@0.872984:0.350279:0.896707:0.350279:0.896707:0.339138:0.872984:0.339138:0.009157:0.014567
Life expectancy:@0.049227:0.392208:0.181082:0.392208:0.181082:0.381067:0.049227:0.381067:0.008905:0.005040:0.006804:0.009493:0.006048:0.009913:0.010081:0.011341:0.009829:0.008737:0.007140:0.009745:0.011005:0.008737:0.009039
The provisions in respect of PPOs are sensitive to the assumed life expectancy of claimants.:@0.047967:0.413998:0.692824:0.413998:0.692824:0.403414:0.047967:0.403414:0.008364:0.008858:0.008348:0.006273:0.009162:0.005379:0.008986:0.007390:0.003863:0.006464:0.003863:0.008906:0.008826:0.006560:0.005634:0.003368:0.007981:0.006384:0.005379:0.008156:0.006767:0.009114:0.008156:0.007374:0.005139:0.005203:0.009353:0.005187:0.006049:0.008156:0.008316:0.011093:0.006305:0.005634:0.007805:0.005299:0.007901:0.005634:0.006767:0.007933:0.008826:0.006560:0.003863:0.005203:0.003863:0.007390:0.008060:0.005634:0.005411:0.009130:0.004868:0.005411:0.009034:0.008076:0.006049:0.008124:0.006416:0.006767:0.008683:0.013519:0.008156:0.009401:0.006305:0.003863:0.003527:0.004788:0.007981:0.005634:0.008348:0.007534:0.009385:0.008348:0.007374:0.005411:0.008124:0.009034:0.007374:0.007725:0.005602:0.009353:0.004756:0.005299:0.007374:0.003863:0.007917:0.003863:0.013742:0.008124:0.008795:0.005411:0.006767:0.003464
Sensitivity of total provisions to life expectancy (f m):@0.276630:0.453498:0.677235:0.453498:0.677235:0.442357:0.276630:0.442357:0.009157:0.008821:0.009913:0.007224:0.004772:0.006233:0.004772:0.008669:0.004772:0.006233:0.008821:0.004032:0.009913:0.006216:0.004032:0.006300:0.009829:0.006216:0.008653:0.004536:0.006048:0.009913:0.006384:0.009745:0.008569:0.004536:0.006972:0.004536:0.009745:0.009661:0.006972:0.004637:0.006284:0.009577:0.005712:0.004368:0.004284:0.005712:0.008149:0.004872:0.008821:0.009274:0.010131:0.008905:0.007897:0.006536:0.008753:0.010165:0.007728:0.009039:0.004318:0.006200:0.006653:0.001260:0.012937:0.006200
Provisions:@0.056032:0.477135:0.132392:0.477135:0.132392:0.465994:0.056032:0.465994:0.009745:0.006216:0.009661:0.008485:0.004452:0.006888:0.004452:0.009577:0.009493:0.007392
All rates reduced by:@0.317372:0.477135:0.469724:0.477135:0.469724:0.465994:0.317372:0.465994:0.010921:0.004368:0.004452:0.006048:0.006384:0.008401:0.006132:0.008485:0.006888:0.005628:0.006468:0.008569:0.009829:0.009577:0.007644:0.008569:0.009829:0.005628:0.009493:0.009039
Base:@0.577453:0.477135:0.612248:0.477135:0.612248:0.465994:0.577453:0.465994:0.010165:0.008569:0.006972:0.009089
All rates increased by:@0.735047:0.477135:0.898404:0.477135:0.898404:0.465994:0.735047:0.465994:0.011173:0.004452:0.004536:0.005712:0.006384:0.008485:0.006216:0.008569:0.006972:0.005292:0.004772:0.009593:0.007728:0.006300:0.008737:0.008569:0.007056:0.008653:0.009913:0.005712:0.009493:0.009039
1% pa:@0.279822:0.500772:0.326411:0.500772:0.326411:0.489631:0.279822:0.489631:0.008569:0.012853:0.006804:0.009325:0.009039
%:@0.454469:0.500647:0.467525:0.500647:0.467525:0.490063:0.454469:0.490063:0.013056
assumptions:@0.516129:0.492517:0.611559:0.492517:0.611559:0.481375:0.516129:0.481375:0.008737:0.007140:0.007140:0.009745:0.014785:0.009997:0.006300:0.004536:0.009913:0.009745:0.007392
1% pa:@0.708501:0.500772:0.755007:0.500772:0.755007:0.489631:0.708501:0.489631:0.008485:0.012853:0.006888:0.009241:0.009039
%:@0.883065:0.500647:0.896121:0.500647:0.896121:0.490063:0.883065:0.490063:0.013056
Known claims:@0.056452:0.525894:0.159425:0.525894:0.159425:0.514752:0.056452:0.514752:0.009997:0.009829:0.010165:0.012601:0.009829:0.005628:0.007476:0.004066:0.008283:0.004066:0.013911:0.007124
32,614:@0.279066:0.525597:0.326176:0.525597:0.326176:0.514455:0.279066:0.514455:0.008653:0.008653:0.003444:0.008653:0.008653:0.009056
- %:@0.438323:0.525894:0.467775:0.525894:0.467775:0.514752:0.438323:0.514752:0.006720:0.008988:0.013743
6:@0.444708:0.524522:0.448783:0.524522:0.448783:0.519508:0.444708:0.519508:0.004075
34,691:@0.562500:0.525894:0.610719:0.525894:0.610719:0.514752:0.562500:0.514752:0.008569:0.008653:0.004032:0.008653:0.008653:0.009661
36,993:@0.705645:0.525894:0.753763:0.525894:0.753763:0.514752:0.705645:0.514752:0.008821:0.009056:0.003377:0.009056:0.008753:0.009056
7%:@0.873404:0.525597:0.896203:0.525597:0.896203:0.514455:0.873404:0.514455:0.009056:0.013743
Settled PPOs:@0.055612:0.548402:0.150857:0.548402:0.150857:0.537261:0.055612:0.537261:0.008921:0.008787:0.005696:0.005696:0.004066:0.008787:0.010131:0.006804:0.008737:0.008737:0.011761:0.007124
23,583:@0.276630:0.548402:0.325151:0.548402:0.325151:0.537261:0.276630:0.537261:0.009056:0.008837:0.003646:0.008871:0.009056:0.009056
-:@0.429856:0.548402:0.436576:0.548402:0.436576:0.537261:0.429856:0.537261:0.006720
2 0:@0.435484:0.547031:0.448799:0.547031:0.448799:0.542017:0.435484:0.542017:0.004075:0.005165:0.004075
%:@0.454047:0.548402:0.467791:0.548402:0.467791:0.537261:0.454047:0.537261:0.013743
29,572:@0.562500:0.548105:0.612063:0.548105:0.612063:0.536964:0.562500:0.536964:0.008989:0.008905:0.004200:0.008905:0.008905:0.009661
36,559:@0.706065:0.548402:0.754183:0.548402:0.754183:0.537261:0.706065:0.537261:0.008821:0.009056:0.003377:0.009056:0.008753:0.009056
24%:@0.864483:0.548105:0.896119:0.548105:0.896119:0.536964:0.864483:0.536964:0.009056:0.008837:0.013743
IBNR:@0.056452:0.570377:0.091364:0.570377:0.091364:0.559235:0.056452:0.559235:0.004200:0.008989:0.011677:0.010047
57,092:@0.279402:0.570377:0.325588:0.570377:0.325588:0.559235:0.279402:0.559235:0.008401:0.008401:0.003360:0.008485:0.008485:0.009056
- %:@0.433048:0.570614:0.467792:0.570614:0.467792:0.559473:0.433048:0.559473:0.006720:0.014281:0.013743
1 1:@0.438676:0.569242:0.450396:0.569242:0.450396:0.564229:0.438676:0.564229:0.004075:0.003569:0.004075
64,288:@0.561324:0.570614:0.612147:0.570614:0.612147:0.559473:0.561324:0.559473:0.009157:0.009157:0.004368:0.009241:0.009241:0.009661
73,409:@0.705225:0.570614:0.753982:0.570614:0.753982:0.559473:0.705225:0.559473:0.009056:0.009056:0.003478:0.009056:0.009056:0.009056
14%:@0.865743:0.570377:0.896707:0.570377:0.896707:0.559235:0.865743:0.559235:0.008653:0.008569:0.013743
Total provisions:@0.055276:0.593182:0.175403:0.593182:0.175403:0.582041:0.055276:0.582041:0.008989:0.009409:0.005964:0.008317:0.004368:0.005628:0.009913:0.006384:0.009745:0.008569:0.004536:0.006972:0.004536:0.009745:0.009661:0.007392
113,289:@0.269741:0.593182:0.326529:0.593182:0.326529:0.582041:0.269741:0.582041:0.008653:0.008653:0.008653:0.004032:0.008569:0.008569:0.009661
-12%:@0.431452:0.592885:0.469036:0.592885:0.469036:0.581744:0.431452:0.581744:0.006048:0.008485:0.008485:0.014567
128,551:@0.555276:0.593182:0.610971:0.593182:0.610971:0.582041:0.555276:0.582041:0.008485:0.008401:0.008401:0.003948:0.008401:0.008401:0.009661
146,961:@0.698001:0.593182:0.753696:0.593182:0.753696:0.582041:0.698001:0.582041:0.008485:0.008401:0.008401:0.003948:0.008401:0.008401:0.009661
14%:@0.865743:0.592885:0.897530:0.592885:0.897530:0.581744:0.865743:0.581744:0.008569:0.008653:0.014567
CNST Known claims sensitivity to changes in payment pattern:@0.048807:0.633092:0.584005:0.633092:0.584005:0.621950:0.048807:0.621950:0.010753:0.013693:0.009745:0.010165:0.006468:0.012013:0.011089:0.011173:0.014701:0.011089:0.006804:0.008653:0.005040:0.009577:0.005040:0.016297:0.007813:0.006048:0.008233:0.009997:0.011257:0.008149:0.005292:0.007224:0.005292:0.009997:0.005292:0.007224:0.009997:0.005208:0.006888:0.010837:0.006048:0.008821:0.011005:0.009913:0.011089:0.011425:0.009913:0.008065:0.006384:0.004772:0.009761:0.006888:0.011425:0.009913:0.009829:0.016801:0.009997:0.011089:0.007140:0.006048:0.011257:0.009661:0.006888:0.006972:0.009829:0.007056:0.010165
Payment patterns are used to express the timing of when a claim is expected to be paid, defining the lag between the :@0.048807:0.654585:0.878158:0.654585:0.878158:0.644000:0.048807:0.644000:0.008571:0.007901:0.007470:0.013280:0.008060:0.008731:0.005203:0.005714:0.009162:0.007805:0.005411:0.005411:0.007996:0.005554:0.008810:0.006767:0.005155:0.007566:0.005203:0.007805:0.006049:0.008395:0.006209:0.007725:0.008651:0.005634:0.005123:0.008986:0.005714:0.007901:0.007055:0.008906:0.005299:0.007981:0.006384:0.006464:0.005203:0.005411:0.008699:0.008060:0.005299:0.005203:0.003863:0.013024:0.003863:0.008571:0.008986:0.006049:0.009353:0.004756:0.004373:0.011843:0.009241:0.008348:0.009385:0.006049:0.006799:0.005634:0.007135:0.003863:0.007566:0.003863:0.013104:0.006464:0.003192:0.005634:0.005299:0.008060:0.007135:0.008986:0.008060:0.007055:0.005411:0.007869:0.009066:0.005634:0.005044:0.008651:0.006049:0.008571:0.007566:0.006049:0.008986:0.007725:0.003863:0.008826:0.003272:0.006049:0.009401:0.007901:0.004996:0.003655:0.008731:0.003863:0.008731:0.009162:0.005634:0.005411:0.008699:0.008060:0.006049:0.003448:0.007230:0.008316:0.006464:0.009385:0.008092:0.005411:0.011300:0.008348:0.008124:0.009034:0.005586:0.005123:0.008731:0.007981:0.004373
claim being reported and the claim paying out. The following table shows the effect on the value of the known claims :@0.048387:0.670264:0.879765:0.670264:0.879765:0.659679:0.048387:0.659679:0.007135:0.003863:0.007566:0.003863:0.013024:0.006049:0.008826:0.007805:0.003607:0.008491:0.008826:0.006464:0.005203:0.007901:0.008906:0.008826:0.005203:0.005203:0.007901:0.008906:0.006049:0.007805:0.008571:0.008986:0.005634:0.005411:0.008699:0.008060:0.005714:0.006975:0.003863:0.007486:0.003863:0.012849:0.006464:0.008906:0.007566:0.007310:0.003607:0.008571:0.008826:0.006049:0.008986:0.008731:0.005203:0.003272:0.006464:0.008156:0.008731:0.008060:0.004868:0.004996:0.009353:0.003863:0.003863:0.009353:0.011332:0.003863:0.009034:0.009401:0.005507:0.005203:0.008124:0.009018:0.003863:0.008060:0.005203:0.006767:0.009034:0.009353:0.011540:0.006767:0.004932:0.005411:0.008699:0.008060:0.005634:0.008348:0.004996:0.004996:0.008348:0.007087:0.005411:0.005171:0.008571:0.008395:0.005634:0.005411:0.008699:0.008060:0.005299:0.007645:0.007901:0.003863:0.008731:0.008156:0.005203:0.009353:0.004756:0.004868:0.005411:0.008699:0.008060:0.006049:0.007933:0.009034:0.009353:0.011540:0.008842:0.006049:0.006975:0.003863:0.007486:0.003863:0.012944:0.006464:0.004373
provisions of a +/-  1 year adjustment to the claims payment pattern.  Lengthening the assumed payment dates by  1 year :@0.048807:0.685705:0.891469:0.685705:0.891469:0.675121:0.048807:0.675121:0.008826:0.005203:0.008906:0.007310:0.003863:0.006305:0.003863:0.008731:0.008651:0.006464:0.005203:0.009353:0.004756:0.005299:0.006799:0.006049:0.008651:0.004868:0.005044:0.004373:0.002937:0.008603:0.003065:0.007725:0.007901:0.008124:0.005235:0.005299:0.008124:0.009401:0.003639:0.009034:0.006592:0.005411:0.013487:0.008348:0.009034:0.005139:0.004868:0.005044:0.008651:0.005203:0.005411:0.009034:0.008156:0.005634:0.007055:0.003863:0.007566:0.003863:0.013024:0.006560:0.005714:0.009162:0.007901:0.007725:0.013359:0.008156:0.009034:0.005155:0.005634:0.009162:0.007901:0.005411:0.005411:0.007996:0.005554:0.008810:0.003464:0.004373:0.002410:0.007135:0.008156:0.008731:0.009162:0.005411:0.008619:0.008060:0.008826:0.003863:0.008731:0.009162:0.005634:0.005411:0.009034:0.008156:0.005634:0.007725:0.006464:0.006560:0.008651:0.013280:0.007981:0.009066:0.006464:0.009385:0.007661:0.007470:0.013439:0.008060:0.008826:0.005203:0.005203:0.008986:0.007901:0.005203:0.008060:0.006560:0.006049:0.008395:0.006895:0.004373:0.002522:0.008603:0.003065:0.007470:0.007981:0.007805:0.005379:0.004373
 :@0.183869:0.685705:0.188243:0.685705:0.188243:0.675121:0.183869:0.675121:0.004373
 :@0.850402:0.685705:0.854775:0.685705:0.854775:0.675121:0.850402:0.675121:0.004373
will increase the known claims provision by 3%, whilst shortening the payment pattern by 1 year reduces the provision by :@0.047547:0.701086:0.905484:0.701086:0.905484:0.690501:0.047547:0.690501:0.011540:0.003863:0.003863:0.003863:0.006352:0.003863:0.008651:0.007055:0.005299:0.008060:0.007725:0.006560:0.007981:0.005299:0.005411:0.008699:0.008060:0.006049:0.007725:0.009034:0.009353:0.011268:0.009034:0.006001:0.007374:0.003543:0.007805:0.003863:0.013184:0.006560:0.005634:0.008906:0.005299:0.008731:0.007135:0.003607:0.006384:0.003607:0.008731:0.008491:0.006464:0.008651:0.007055:0.005203:0.009656:0.014700:0.003863:0.005634:0.011763:0.009241:0.003863:0.004038:0.006767:0.005411:0.004964:0.006560:0.008731:0.009162:0.005554:0.005411:0.008012:0.009034:0.003655:0.008826:0.009401:0.005475:0.005411:0.008699:0.008060:0.006049:0.009385:0.007661:0.007470:0.013439:0.008060:0.008826:0.005203:0.005634:0.009066:0.007805:0.005411:0.005092:0.008060:0.005554:0.008635:0.006464:0.008651:0.007055:0.006464:0.008603:0.003495:0.007470:0.007981:0.007805:0.005299:0.005714:0.005299:0.007981:0.009066:0.008731:0.007135:0.007981:0.006560:0.004868:0.005411:0.008699:0.008060:0.006049:0.008906:0.005299:0.008731:0.007135:0.003607:0.006384:0.003607:0.008731:0.008491:0.006464:0.008395:0.006895:0.004373
 :@0.689866:0.701086:0.694240:0.701086:0.694240:0.690501:0.689866:0.690501:0.004373
2%. The effect of changes in the payment pattern is not a symmetrical one, due to the impacts of compound discounting.:@0.048387:0.716466:0.903259:0.716466:0.903259:0.705882:0.048387:0.705882:0.009656:0.014700:0.003863:0.006049:0.008364:0.008603:0.008060:0.005634:0.008348:0.004996:0.004996:0.008348:0.007087:0.005411:0.005171:0.009353:0.004756:0.004788:0.007135:0.008826:0.008124:0.008683:0.009401:0.008076:0.006767:0.005491:0.003368:0.007981:0.005203:0.005411:0.009034:0.008156:0.005634:0.009162:0.007901:0.007725:0.013359:0.008156:0.009034:0.005155:0.005299:0.008986:0.007805:0.005411:0.005092:0.008060:0.005554:0.008635:0.006464:0.003192:0.005634:0.005714:0.008731:0.008986:0.005203:0.004868:0.006799:0.005714:0.006464:0.007470:0.013280:0.013359:0.008060:0.005411:0.005251:0.003863:0.006975:0.007901:0.003863:0.006384:0.008986:0.008731:0.007981:0.003272:0.006464:0.008986:0.008571:0.007901:0.005203:0.005044:0.008651:0.005299:0.005411:0.009034:0.008076:0.005714:0.003863:0.013104:0.008986:0.007901:0.007135:0.005203:0.006560:0.005299:0.009353:0.004756:0.004788:0.007135:0.009066:0.013439:0.009066:0.009162:0.008731:0.008826:0.009162:0.006049:0.009066:0.003863:0.006464:0.007135:0.009162:0.008731:0.008826:0.005203:0.003863:0.008731:0.009066:0.003464
Sensitivity of CNST known claims (excluding PPOs) provisions to claims payment pattern (f m):@0.121808:0.759057:0.832056:0.759057:0.832056:0.747915:0.121808:0.747915:0.009157:0.008821:0.009913:0.007392:0.004452:0.006536:0.004469:0.008821:0.004772:0.006233:0.008821:0.004032:0.009913:0.006216:0.004452:0.009829:0.012433:0.008821:0.009241:0.004872:0.009073:0.009913:0.009997:0.013105:0.009913:0.005208:0.007476:0.004536:0.008401:0.004536:0.014449:0.006972:0.005292:0.005880:0.008401:0.008569:0.007476:0.004452:0.009409:0.009661:0.004452:0.009409:0.009661:0.006048:0.009157:0.009241:0.011341:0.006636:0.005544:0.005712:0.009997:0.006384:0.009745:0.008653:0.004536:0.007056:0.004536:0.009745:0.009661:0.007056:0.004452:0.006300:0.009829:0.004452:0.007728:0.004536:0.008485:0.004536:0.014533:0.006972:0.005208:0.010165:0.008737:0.008653:0.014869:0.008821:0.009829:0.006300:0.004637:0.010148:0.008653:0.006132:0.006216:0.008737:0.006300:0.009661:0.005628:0.006200:0.006653:0.001260:0.012937:0.006200
IBNR range:@0.056032:0.782753:0.140474:0.782753:0.140474:0.771612:0.056032:0.771612:0.004704:0.009661:0.011761:0.009745:0.005292:0.006300:0.008485:0.009577:0.009829:0.009089
Reduced:@0.261677:0.782753:0.326092:0.782753:0.326092:0.771612:0.261677:0.771612:0.010249:0.008485:0.009745:0.009493:0.007560:0.008485:0.010400
 :@0.325435:0.782753:0.330039:0.782753:0.330039:0.771612:0.325435:0.771612:0.004603
by 1 year:@0.257644:0.798135:0.326327:0.798135:0.326327:0.786994:0.257644:0.786994:0.009661:0.008485:0.005292:0.005628:0.006468:0.009039:0.008686:0.008737:0.006687
%:@0.454469:0.782753:0.469036:0.782753:0.469036:0.771612:0.454469:0.771612:0.014567
Base:@0.577453:0.782753:0.612248:0.782753:0.612248:0.771612:0.577453:0.771612:0.010165:0.008569:0.006972:0.009089
assumptions:@0.516129:0.798135:0.611559:0.798135:0.611559:0.786994:0.516129:0.786994:0.008737:0.007140:0.007140:0.009745:0.014785:0.009997:0.006300:0.004536:0.009913:0.009745:0.007392
Increased:@0.683048:0.782753:0.754603:0.782753:0.754603:0.771612:0.683048:0.771612:0.004956:0.009577:0.007644:0.006300:0.008569:0.008569:0.006972:0.008569:0.010400
 :@0.754032:0.782753:0.758636:0.782753:0.758636:0.771612:0.754032:0.771612:0.004603
by 1 year:@0.686324:0.798135:0.755007:0.798135:0.755007:0.786994:0.686324:0.786994:0.009661:0.008485:0.005208:0.005628:0.006468:0.008821:0.008905:0.008821:0.006687
%:@0.883065:0.782753:0.897631:0.782753:0.897631:0.771612:0.883065:0.771612:0.014567
Known claims:@0.056452:0.818921:0.159425:0.818921:0.159425:0.807780:0.056452:0.807780:0.009997:0.009829:0.010165:0.012601:0.009829:0.005628:0.007476:0.004066:0.008283:0.004066:0.013911:0.007124
32,362:@0.277050:0.818625:0.325168:0.818625:0.325168:0.807483:0.277050:0.807483:0.008821:0.009056:0.003377:0.009056:0.008753:0.009056
- %:@0.439096:0.818625:0.467792:0.818625:0.467792:0.807483:0.439096:0.807483:0.006720:0.008232:0.013743
2:@0.444724:0.817253:0.448800:0.817253:0.448800:0.812239:0.444724:0.812239:0.004075
33,016:@0.563340:0.818921:0.612231:0.818921:0.612231:0.807780:0.563340:0.807780:0.008821:0.008821:0.004116:0.008737:0.008737:0.009661
33,974:@0.707241:0.818625:0.754772:0.818625:0.754772:0.807483:0.707241:0.807483:0.008821:0.008737:0.003444:0.008737:0.008737:0.009056
3%:@0.873404:0.818921:0.896203:0.818921:0.896203:0.807780:0.873404:0.807780:0.009056:0.013743