148:@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
CNST IBNR sensitivities as at 31  March 2022:@0.048807:0.103397:0.421875:0.103397:0.421875:0.092256:0.048807:0.092256:0.010753:0.013693:0.009745:0.010165:0.006048:0.005326:0.010769:0.012970:0.010971:0.005494:0.008065:0.009913:0.011089:0.008065:0.005208:0.007224:0.005292:0.009997:0.005292:0.007224:0.005292:0.009997:0.008149:0.006048:0.009745:0.007981:0.006048:0.009577:0.006972:0.006048:0.008485:0.008485:0.004637:0.005024:0.016549:0.009325:0.006972:0.008317:0.010417:0.006888:0.009661:0.009829:0.009661:0.009661
 :@0.422211:0.103397:0.426815:0.103397:0.426815:0.092256:0.422211:0.092256:0.004603
Figure 32::@0.048807:0.136179:0.124345:0.136179:0.124345:0.125037:0.048807:0.125037:0.008401:0.004772:0.009845:0.009829:0.006384:0.008737:0.005628:0.008737:0.008653:0.004553
The value and percentage impact of variations in the key assumptions within the CNST IBNR estimate:@0.047967:0.152987:0.837903:0.152987:0.837903:0.141846:0.047967:0.141846:0.009157:0.009913:0.009157:0.004872:0.008569:0.009241:0.004368:0.010249:0.009493:0.005628:0.008552:0.009509:0.010165:0.006888:0.010333:0.009073:0.006132:0.008065:0.009241:0.009913:0.005964:0.008821:0.010333:0.009241:0.006384:0.004066:0.014919:0.010081:0.008821:0.007762:0.006015:0.005628:0.010501:0.005628:0.004603:0.008501:0.009241:0.006216:0.004452:0.009073:0.006132:0.004368:0.010669:0.010165:0.007644:0.006468:0.003612:0.008485:0.005628:0.006132:0.010165:0.009493:0.006468:0.008350:0.009123:0.008317:0.005628:0.008737:0.007308:0.007124:0.009929:0.014785:0.010165:0.005696:0.004301:0.010081:0.009745:0.007308:0.004872:0.013357:0.004368:0.006216:0.010417:0.004368:0.010417:0.005628:0.006132:0.010249:0.009493:0.006048:0.010081:0.012097:0.008737:0.008569:0.006048:0.004284:0.009325:0.012097:0.009745:0.005712:0.009157:0.007308:0.005880:0.004284:0.014953:0.008821:0.005696:0.008787
50%:@0.123824:0.204395:0.150423:0.204395:0.150423:0.195482:0.123824:0.195482:0.007473:0.007473:0.011653
41%:@0.188676:0.220371:0.215961:0.220371:0.215961:0.211457:0.188676:0.211457:0.007728:0.007903:0.011653
-30% :@0.118952:0.474617:0.153737:0.474617:0.153737:0.465704:0.118952:0.465704:0.005121:0.007392:0.007392:0.011169:0.003710
-26%:@0.184637:0.474617:0.218293:0.474617:0.218293:0.465704:0.184637:0.465704:0.005712:0.008145:0.008145:0.011653
HM Treasury:@0.167757:0.525692:0.236050:0.525692:0.236050:0.516779:0.167757:0.516779:0.007890:0.009825:0.004879:0.006546:0.004288:0.005968:0.005874:0.004785:0.006640:0.004368:0.007231
Future:@0.254856:0.525692:0.290339:0.525692:0.290339:0.516779:0.254856:0.516779:0.005793:0.006801:0.004368:0.006801:0.004449:0.007272
IBNR claim:@0.312500:0.525692:0.370927:0.525692:0.370927:0.516779:0.312500:0.516779:0.003280:0.006640:0.008320:0.006801:0.004032:0.005121:0.003024:0.005793:0.003105:0.012312
Average:@0.389953:0.525692:0.436042:0.525692:0.436042:0.516779:0.389953:0.516779:0.008320:0.006210:0.006304:0.004543:0.006304:0.007137:0.007272
Average:@0.459257:0.525692:0.504997:0.525692:0.504997:0.516779:0.459257:0.516779:0.008065:0.006129:0.006304:0.004530:0.006304:0.007137:0.007272
Differential Probability :@0.522177:0.525692:0.656095:0.525692:0.656095:0.516779:0.522177:0.516779:0.008226:0.003185:0.004368:0.004288:0.006129:0.004449:0.006129:0.006801:0.004368:0.003199:0.006129:0.003817:0.010316:0.006895:0.004449:0.006976:0.007056:0.006129:0.007056:0.003280:0.003185:0.003280:0.004368:0.006129:0.003710
Life:@0.680276:0.525692:0.700222:0.525692:0.700222:0.516779:0.680276:0.516779:0.005538:0.003024:0.004113:0.007272
Change:@0.741095:0.525692:0.782224:0.525692:0.782224:0.516779:0.741095:0.516779:0.007137:0.006801:0.006048:0.006895:0.006976:0.007272
Covid-19:@0.805612:0.525692:0.854173:0.525692:0.854173:0.516779:0.805612:0.516779:0.007056:0.006801:0.005968:0.003199:0.006882:0.004543:0.006384:0.007728
discount:@0.178595:0.536204:0.224630:0.536204:0.224630:0.527291:0.178595:0.527291:0.006976:0.003185:0.004866:0.005376:0.006882:0.006720:0.006801:0.005228
claims value:@0.239079:0.536204:0.305397:0.536204:0.305397:0.527291:0.239079:0.527291:0.005376:0.003105:0.005968:0.003185:0.010161:0.004866:0.003710:0.006210:0.006210:0.003280:0.006976:0.007272
number:@0.320144:0.536204:0.362550:0.536204:0.362550:0.527291:0.320144:0.527291:0.006895:0.006801:0.010255:0.006976:0.006129:0.005349
creation of:@0.383485:0.536204:0.443323:0.536204:0.443323:0.527291:0.383485:0.527291:0.005457:0.004449:0.006129:0.006048:0.004368:0.003280:0.006895:0.006895:0.004449:0.006720:0.005148
cost per:@0.460517:0.536204:0.504093:0.536204:0.504093:0.527291:0.460517:0.527291:0.005376:0.006801:0.004879:0.004288:0.004032:0.006801:0.006048:0.005349
between:@0.528629:0.536204:0.576841:0.536204:0.576841:0.527291:0.528629:0.527291:0.007137:0.006384:0.004543:0.009328:0.006304:0.006384:0.008132
of a :@0.612483:0.536204:0.636784:0.536204:0.636784:0.527291:0.612483:0.527291:0.006720:0.004207:0.003710:0.005954:0.003710
expectancy:@0.659284:0.536204:0.720870:0.536204:0.720870:0.527291:0.659284:0.527291:0.006223:0.006304:0.007056:0.006223:0.005538:0.004449:0.006129:0.006976:0.005457:0.007231
in PIDR:@0.741935:0.536204:0.781371:0.536204:0.781371:0.527291:0.741935:0.527291:0.003024:0.006640:0.003710:0.006196:0.003360:0.007728:0.008777
related:@0.810887:0.536204:0.849032:0.536204:0.849032:0.527291:0.810887:0.527291:0.004368:0.005968:0.003185:0.005968:0.004288:0.006048:0.008320
rates:@0.188676:0.547072:0.215262:0.547072:0.215262:0.538159:0.188676:0.538159:0.004449:0.005968:0.004288:0.005968:0.005914
inflation:@0.249580:0.547072:0.295346:0.547072:0.295346:0.538159:0.249580:0.538159:0.003185:0.006801:0.004288:0.003105:0.005968:0.004288:0.003199:0.006801:0.008132
(+/-10% for:@0.308888:0.547072:0.373552:0.547072:0.373552:0.538159:0.308888:0.538159:0.004113:0.007890:0.004960:0.004543:0.006384:0.006384:0.009664:0.004449:0.004207:0.006720:0.005349
claims to:@0.389113:0.547072:0.437984:0.547072:0.437984:0.538159:0.389113:0.538159:0.005457:0.003185:0.006129:0.003280:0.010417:0.004960:0.002863:0.004368:0.008212
claim:@0.467725:0.547072:0.497349:0.547072:0.497349:0.538159:0.467725:0.538159:0.005215:0.003105:0.005887:0.003105:0.012312
ASHE and successfully assumption:@0.525790:0.547072:0.721751:0.547072:0.721751:0.538159:0.525790:0.538159:0.007984:0.006304:0.008737:0.006048:0.004032:0.005968:0.006801:0.008320:0.011163:0.005040:0.006976:0.005457:0.005457:0.006129:0.005040:0.004960:0.004368:0.006895:0.003280:0.003185:0.006129:0.004032:0.006048:0.005040:0.005121:0.006976:0.010497:0.007056:0.004543:0.003185:0.007056:0.008132
(+7-1%):@0.740323:0.547185:0.782510:0.547185:0.782510:0.538829:0.740323:0.538829:0.003528:0.008065:0.006300:0.004700:0.006300:0.009488:0.003805
claims costs:@0.797547:0.547072:0.861862:0.547072:0.861862:0.538159:0.797547:0.538159:0.005538:0.003199:0.006129:0.003280:0.010417:0.004960:0.003199:0.005457:0.006895:0.004960:0.004368:0.005914
(+/-:@0.171791:0.557584:0.194358:0.557584:0.194358:0.548671:0.171791:0.548671:0.004113:0.007984:0.005040:0.005430
1% pa):@0.193548:0.557709:0.231379:0.557709:0.231379:0.548239:0.193548:0.548239:0.006555:0.009997:0.003613:0.007226:0.006127:0.004313
(1% pa):@0.251596:0.557709:0.293453:0.557709:0.293453:0.548239:0.251596:0.548239:0.003527:0.006469:0.009740:0.004456:0.007226:0.006127:0.004313
incident:@0.319724:0.557709:0.362767:0.557709:0.362767:0.548239:0.319724:0.548239:0.002856:0.006798:0.005541:0.002856:0.007055:0.006298:0.006798:0.004841
payment:@0.389113:0.557584:0.437849:0.557584:0.437849:0.548671:0.389113:0.548671:0.007137:0.006210:0.006210:0.010672:0.006304:0.006976:0.005228
(+/- 20%):@0.457224:0.557709:0.506565:0.557709:0.506565:0.548239:0.457224:0.548239:0.002942:0.006726:0.003784:0.003942:0.003613:0.006883:0.006798:0.010339:0.004313
CPI:@0.544775:0.557584:0.561213:0.557584:0.561213:0.548671:0.544775:0.548671:0.006129:0.006048:0.004261
defended :@0.596774:0.557584:0.652070:0.557584:0.652070:0.548671:0.596774:0.548671:0.007137:0.006304:0.004368:0.006304:0.006895:0.007137:0.006304:0.007137:0.003710
for PPOs:@0.666505:0.557584:0.713589:0.557584:0.713589:0.548671:0.666505:0.548671:0.004449:0.007056:0.004624:0.002849:0.006895:0.006895:0.008401:0.005914
(double:@0.809308:0.557709:0.851551:0.557709:0.851551:0.548239:0.809308:0.548239:0.003613:0.007140:0.007140:0.006798:0.007140:0.002942:0.007469
years:@0.327033:0.568280:0.355095:0.568280:0.355095:0.558810:0.327033:0.558810:0.005712:0.006127:0.006055:0.004113:0.006055
time lag:@0.390709:0.568155:0.436072:0.568155:0.436072:0.559242:0.390709:0.559242:0.004449:0.003280:0.010336:0.006129:0.004032:0.003024:0.005793:0.008320
(+/- 0.5%:@0.528629:0.568280:0.577027:0.568280:0.577027:0.558810:0.528629:0.558810:0.002942:0.006726:0.003784:0.003870:0.002856:0.006969:0.002685:0.006883:0.011682
daim :@0.608854:0.568155:0.639956:0.568155:0.639956:0.559242:0.608854:0.559242:0.007137:0.006223:0.003360:0.010672:0.003710
(+7- :@0.667322:0.568031:0.687748:0.568031:0.687748:0.559675:0.667322:0.559675:0.002608:0.006048:0.004788:0.003528:0.003453
10%:@0.689078:0.568155:0.713164:0.568155:0.713164:0.559242:0.689078:0.559242:0.006223:0.006210:0.011653
or half):@0.809308:0.568280:0.848909:0.568280:0.848909:0.558810:0.809308:0.558810:0.007312:0.004370:0.003199:0.007055:0.006384:0.003028:0.003942:0.004313
2016/17:@0.320565:0.579089:0.362565:0.579089:0.362565:0.569619:0.320565:0.569619:0.005969:0.005969:0.006055:0.006055:0.004284:0.005969:0.007697
( >t:@0.384224:0.578465:0.399247:0.578465:0.399247:0.571780:0.384224:0.571780:0.003065:0.003827:0.004876:0.003256
 :@0.398757:0.578964:0.402466:0.578964:0.402466:0.570051:0.398757:0.570051:0.003710
1year):@0.406065:0.579089:0.442053:0.579089:0.442053:0.569619:0.406065:0.569619:0.008397:0.005969:0.006555:0.006384:0.004370:0.004313
 :@0.409678:0.579089:0.413591:0.579089:0.413591:0.569619:0.409678:0.569619:0.003913
pa):@0.543935:0.579089:0.561272:0.579089:0.561272:0.569619:0.543935:0.569619:0.007055:0.005969:0.004313
(if  5%)  change in life:@0.601647:0.579089:0.727047:0.579089:0.727047:0.569619:0.601647:0.569619:0.004955:0.004027:0.005127:0.003913:0.003727:0.006726:0.010168:0.003699:0.003913:0.004913:0.005627:0.006883:0.006127:0.006883:0.007226:0.006384:0.003613:0.002856:0.006798:0.004870:0.002856:0.002856:0.003784:0.007469
onwards):@0.315339:0.589660:0.365523:0.589660:0.365523:0.580190:0.315339:0.580190:0.007140:0.006883:0.008826:0.006212:0.004284:0.007226:0.005298:0.004313
expectancy):@0.658098:0.589660:0.721605:0.589660:0.721605:0.580190:0.658098:0.580190:0.006298:0.005541:0.007055:0.006298:0.005541:0.004113:0.006127:0.006883:0.005541:0.005798:0.004313
H   Increase in assumption  ■   Decrease in assumption:@0.377856:0.626173:0.721127:0.626173:0.721127:0.617817:0.377856:0.617817:0.009652:0.005217:0.003478:0.005847:0.003994:0.007623:0.006048:0.005015:0.006817:0.006779:0.005544:0.006817:0.004120:0.003579:0.007346:0.004448:0.007056:0.005708:0.005708:0.007813:0.012009:0.008065:0.004902:0.003831:0.007976:0.007901:0.003478:0.008203:0.010849:0.004020:0.003478:0.006263:0.009577:0.006817:0.006288:0.005015:0.006993:0.006779:0.005544:0.006993:0.004032:0.003579:0.007258:0.004448:0.006968:0.005708:0.005708:0.007623:0.012034:0.008065:0.004902:0.003831:0.007901:0.007623
The sensitivities around these key assumptions :@0.047967:0.664562:0.382622:0.664562:0.382622:0.653978:0.047967:0.653978:0.008364:0.008858:0.008348:0.005938:0.006560:0.008156:0.009034:0.006416:0.003863:0.005411:0.003671:0.007470:0.003863:0.005203:0.003863:0.008060:0.006767:0.005491:0.008124:0.005315:0.009066:0.008826:0.008731:0.009162:0.006049:0.005411:0.009034:0.008076:0.006767:0.008348:0.006305:0.007566:0.007981:0.007390:0.005299:0.008124:0.006767:0.006767:0.008747:0.013742:0.009194:0.005411:0.003863:0.009353:0.008763:0.006767:0.004373
are explained earlier in this note.:@0.048387:0.680004:0.279168:0.680004:0.279168:0.669419:0.048387:0.669419:0.007805:0.005299:0.007901:0.005634:0.008348:0.007326:0.009018:0.003863:0.007901:0.003863:0.008731:0.008348:0.009130:0.006464:0.008348:0.008124:0.005363:0.003863:0.003863:0.008060:0.005554:0.005538:0.003368:0.007981:0.005634:0.005411:0.009034:0.003863:0.006767:0.005586:0.009034:0.008938:0.005203:0.008156:0.003464
Sensitivity to changes in the:@0.048807:0.702637:0.291767:0.702637:0.291767:0.691495:0.048807:0.691495:0.010417:0.009997:0.011257:0.008065:0.005208:0.007140:0.005208:0.009913:0.005208:0.007140:0.009913:0.005292:0.006888:0.010837:0.006468:0.008821:0.010921:0.009829:0.011005:0.011341:0.009829:0.007981:0.006468:0.004772:0.009761:0.006468:0.006972:0.010753:0.009089
 :@0.292322:0.702637:0.296925:0.702637:0.296925:0.691495:0.292322:0.691495:0.004603
nominal  discount rate:@0.048807:0.718018:0.236576:0.718018:0.236576:0.706876:0.048807:0.706876:0.010837:0.010921:0.016297:0.005040:0.010753:0.009661:0.005040:0.004637:0.002587:0.011341:0.005124:0.007981:0.008653:0.011005:0.010921:0.010921:0.007056:0.006468:0.007056:0.009493:0.006888:0.009089
Figure 33  is based on adjusting the nominal discount :@0.048807:0.739868:0.429350:0.739868:0.429350:0.729284:0.048807:0.729284:0.007470:0.003863:0.008826:0.008571:0.005299:0.007901:0.006049:0.008603:0.008364:0.004373:0.002426:0.003192:0.005714:0.006049:0.008986:0.007645:0.006464:0.007901:0.008906:0.006049:0.008731:0.008571:0.006049:0.008124:0.009098:0.003863:0.008731:0.006767:0.005411:0.003607:0.009034:0.009114:0.006049:0.005411:0.009034:0.008156:0.006384:0.009034:0.008938:0.013439:0.003863:0.008651:0.008124:0.003639:0.006464:0.009401:0.003623:0.006767:0.007182:0.009353:0.008715:0.009034:0.005155:0.004373
rate by the increments shown. A change in the nominal :@0.048807:0.755249:0.449126:0.755249:0.449126:0.744664:0.048807:0.744664:0.005554:0.007805:0.005203:0.008060:0.006049:0.008651:0.007055:0.004788:0.005411:0.009034:0.008156:0.006464:0.003863:0.009034:0.007103:0.005554:0.008348:0.013407:0.008348:0.009034:0.005219:0.006767:0.005586:0.006767:0.009273:0.009353:0.011907:0.009034:0.003655:0.006049:0.011348:0.005634:0.007374:0.009034:0.008124:0.009034:0.009401:0.008348:0.005969:0.003272:0.007566:0.006049:0.005411:0.009034:0.008156:0.006049:0.008826:0.009066:0.013439:0.003863:0.008651:0.008124:0.003639:0.004373
interest rate of +1 % would  represent short,  medium,  long :@0.048807:0.770630:0.467656:0.770630:0.467656:0.760045:0.048807:0.760045:0.003863:0.008731:0.005411:0.008028:0.005554:0.008140:0.006560:0.005411:0.005938:0.005299:0.007805:0.005123:0.007981:0.006049:0.009353:0.004756:0.005299:0.008571:0.006720:0.005203:0.013774:0.006049:0.011540:0.009720:0.009034:0.004070:0.009577:0.004373:0.002426:0.005379:0.008156:0.009385:0.005315:0.008348:0.006432:0.008348:0.008699:0.005411:0.005092:0.006767:0.009034:0.009353:0.005554:0.005411:0.003464:0.004373:0.002410:0.013742:0.008348:0.009401:0.003863:0.008826:0.013742:0.003464:0.004373:0.002442:0.003527:0.008571:0.008316:0.008571:0.004373
term and very long term nominal interest rates of  1.47%,:@0.047967:0.786011:0.457367:0.786011:0.457367:0.775427:0.047967:0.775427:0.005411:0.008348:0.005315:0.013742:0.005922:0.007805:0.008571:0.008986:0.005714:0.007645:0.008348:0.005347:0.007725:0.005554:0.003607:0.008826:0.008571:0.008906:0.005634:0.005411:0.008348:0.005315:0.013742:0.006257:0.009034:0.009353:0.013359:0.003863:0.008731:0.008124:0.003639:0.006384:0.003863:0.009034:0.005411:0.008076:0.005554:0.008348:0.006512:0.005411:0.005507:0.005379:0.008124:0.005155:0.008156:0.006767:0.005155:0.009353:0.004756:0.004373:0.002857:0.009497:0.003863:0.009401:0.009401:0.014445:0.003464
1.70%,1.95%  and  1.66%  respectively. As a result of the :@0.049983:0.801396:0.457117:0.801396:0.457117:0.790811:0.049983:0.790811:0.009656:0.003942:0.009752:0.009752:0.014876:0.003942:0.009832:0.003942:0.009752:0.009832:0.014780:0.004373:0.002426:0.007805:0.008651:0.008986:0.004373:0.003687:0.009241:0.003783:0.009241:0.009241:0.014030:0.004373:0.002857:0.005299:0.007981:0.006464:0.008986:0.007981:0.007055:0.005123:0.003863:0.007135:0.008060:0.003863:0.007230:0.003272:0.006049:0.010662:0.007055:0.005634:0.006895:0.006384:0.005554:0.007965:0.006767:0.008683:0.003863:0.005123:0.005203:0.009353:0.004756:0.005203:0.005411:0.008699:0.008060:0.004373
range of the increments analysed (and, for example, the :@0.048807:0.816837:0.452429:0.816837:0.452429:0.806253:0.048807:0.806253:0.005379:0.008124:0.008683:0.009162:0.008156:0.006049:0.009353:0.004756:0.004868:0.005411:0.009034:0.008156:0.006384:0.003863:0.009034:0.007103:0.005554:0.008348:0.013407:0.008348:0.009034:0.005219:0.006767:0.005666:0.007901:0.008826:0.008124:0.003639:0.007725:0.006384:0.008348:0.009130:0.006049:0.004820:0.008124:0.009034:0.009401:0.003464:0.005906:0.004996:0.009545:0.005554:0.005698:0.008348:0.007326:0.008124:0.013742:0.009385:0.003863:0.008348:0.003464:0.005953:0.005411:0.008699:0.008060:0.004373
long term nominal interest rate of  1.99%),  results to the :@0.048807:0.832515:0.454824:0.832515:0.454824:0.821930:0.048807:0.821930:0.003607:0.008826:0.008571:0.008826:0.005634:0.005411:0.008348:0.005315:0.013742:0.006337:0.009034:0.009114:0.013519:0.003863:0.008731:0.008124:0.003639:0.006464:0.003863:0.009034:0.005171:0.008348:0.005347:0.008348:0.006767:0.005123:0.005634:0.005554:0.007805:0.005203:0.008060:0.005634:0.009353:0.004756:0.004373:0.002937:0.009401:0.003863:0.009321:0.009321:0.014285:0.005203:0.003783:0.004373:0.002522:0.005379:0.008060:0.006560:0.008826:0.003863:0.005123:0.006560:0.005203:0.005123:0.008986:0.005299:0.005411:0.008699:0.008060:0.004373
left of the graph imply a negative nominal discount rate.:@0.048807:0.847896:0.450211:0.847896:0.450211:0.837312:0.048807:0.837312:0.003863:0.008060:0.004996:0.005411:0.005475:0.009353:0.004756:0.004868:0.005411:0.009034:0.008076:0.006049:0.009162:0.005379:0.007901:0.009066:0.008826:0.006464:0.003863:0.013280:0.009066:0.003863:0.007486:0.005203:0.006895:0.006384:0.009034:0.008108:0.009401:0.007821:0.005411:0.003863:0.007438:0.008348:0.005938:0.009034:0.009114:0.013519:0.003863:0.008731:0.008124:0.003639:0.006049:0.009401:0.003863:0.006767:0.007182:0.009353:0.009034:0.009034:0.005411:0.006065:0.005299:0.007805:0.005123:0.007981:0.003464
This year, there was a significant reduction in the long :@0.486727:0.664562:0.874516:0.664562:0.874516:0.653978:0.486727:0.653978:0.008364:0.008603:0.003863:0.006560:0.004868:0.007470:0.007981:0.007805:0.005299:0.003272:0.006464:0.005411:0.009034:0.008156:0.005554:0.008140:0.004788:0.012098:0.008571:0.007135:0.005714:0.006799:0.006049:0.006767:0.003863:0.009401:0.009210:0.003863:0.004996:0.003863:0.007374:0.008300:0.009034:0.005411:0.006129:0.005554:0.008140:0.009162:0.008826:0.007374:0.005060:0.003863:0.008986:0.008826:0.006464:0.003368:0.007901:0.005634:0.005411:0.009034:0.008156:0.006464:0.003527:0.008571:0.008316:0.008571:0.004373
term and very long term discount rates prescribed  by :@0.486727:0.680004:0.868132:0.680004:0.868132:0.669419:0.486727:0.669419:0.005411:0.008108:0.005554:0.013519:0.006049:0.007805:0.008651:0.008986:0.005634:0.007645:0.008348:0.005554:0.007518:0.005634:0.003607:0.008826:0.008571:0.008826:0.005634:0.005411:0.008348:0.005315:0.013742:0.005922:0.009401:0.003863:0.006767:0.007182:0.009353:0.009034:0.009034:0.005411:0.005650:0.005554:0.007885:0.005411:0.008028:0.006767:0.005922:0.009066:0.005379:0.007981:0.006560:0.006975:0.005379:0.003863:0.008731:0.008060:0.008986:0.004373:0.002426:0.008395:0.006975:0.004373
HM Treasury, which increased the provision significantly. :@0.487903:0.695385:0.888700:0.695385:0.888700:0.684801:0.487903:0.684801:0.010502:0.013280:0.006049:0.007981:0.005203:0.007805:0.007645:0.006305:0.008571:0.005203:0.007310:0.003272:0.005634:0.011843:0.009401:0.004038:0.007645:0.009401:0.006464:0.003863:0.008731:0.007135:0.005379:0.008156:0.007805:0.006767:0.007933:0.009162:0.006049:0.005411:0.009034:0.008076:0.006049:0.009066:0.005299:0.008906:0.007310:0.003863:0.006384:0.003863:0.008731:0.008731:0.006384:0.006767:0.003655:0.009162:0.008731:0.003863:0.004996:0.003655:0.007135:0.008124:0.008683:0.005203:0.003863:0.007486:0.003464:0.004373
This is because a  large proportion (by value) of the :@0.486727:0.710766:0.849968:0.710766:0.849968:0.700182:0.486727:0.700182:0.008364:0.008603:0.003863:0.006560:0.006049:0.003192:0.005714:0.006049:0.009385:0.008092:0.007374:0.007837:0.009034:0.006592:0.008156:0.005634:0.006799:0.004373:0.002522:0.003863:0.007725:0.005299:0.008986:0.007981:0.006049:0.009162:0.005379:0.009066:0.009162:0.009066:0.005379:0.005411:0.003655:0.009066:0.008826:0.006464:0.004613:0.008986:0.007390:0.004373:0.007645:0.008124:0.003863:0.008842:0.008348:0.004820:0.005985:0.009353:0.004756:0.004868:0.005411:0.008699:0.008060:0.004373
IBNR provisions are expected to be paid  in  more :@0.487483:0.726147:0.831858:0.726147:0.831858:0.715562:0.487483:0.715562:0.003942:0.008395:0.011093:0.008826:0.006049:0.009162:0.005379:0.008986:0.007390:0.003863:0.006464:0.003863:0.008906:0.008826:0.006560:0.005634:0.007805:0.005299:0.007901:0.005634:0.008348:0.007326:0.009018:0.008348:0.007103:0.005411:0.008108:0.009401:0.005890:0.005123:0.008986:0.006049:0.008571:0.007566:0.006384:0.008826:0.007470:0.003607:0.008731:0.004373:0.002522:0.003272:0.007566:0.004373:0.002522:0.013104:0.008826:0.005299:0.007901:0.004373
than ten years' time and the long term discount :@0.486727:0.741529:0.833129:0.741529:0.833129:0.730944:0.486727:0.730944:0.005411:0.009034:0.008124:0.008842:0.006049:0.005123:0.007981:0.008651:0.005634:0.007725:0.008348:0.008124:0.005554:0.006767:0.003671:0.006177:0.005411:0.003655:0.013439:0.008156:0.006049:0.007805:0.008651:0.008986:0.006049:0.005411:0.009034:0.008076:0.006049:0.003607:0.008826:0.008571:0.008906:0.005634:0.005411:0.008348:0.005315:0.013742:0.005922:0.009401:0.003863:0.006767:0.007103:0.009353:0.009034:0.008826:0.005411:0.004373
rate hasn't changed since last year.:@0.487483:0.757206:0.734065:0.757206:0.734065:0.746622:0.487483:0.746622:0.005554:0.007805:0.005203:0.008060:0.006049:0.009034:0.008124:0.006959:0.009034:0.003671:0.005411:0.005746:0.007374:0.008842:0.008124:0.008683:0.009401:0.008076:0.009401:0.006225:0.006560:0.003863:0.008651:0.007135:0.008060:0.006464:0.003863:0.007645:0.006384:0.005123:0.004373:0.007390:0.007901:0.007725:0.005203:0.003464