22:@0.047987:0.056159:0.062778:0.056159:0.062778:0.047246:0.047987:0.047246:0.007059:0.007732
Performance summary:@0.728969:0.058552:0.904917:0.058552:0.904917:0.047968:0.728969:0.047968:0.010092:0.008910:0.006355:0.006419:0.009996:0.006563:0.015042:0.008830:0.009916:0.007665:0.009054:0.005205:0.007313:0.010092:0.015217:0.015217:0.008910:0.006563:0.008591
Financial summary:@0.049584:0.107246:0.253154:0.107246:0.253154:0.091647:0.049584:0.091647:0.011860:0.006377:0.013695:0.012095:0.013695:0.010848:0.006471:0.012095:0.006471:0.008495:0.010354:0.014025:0.021272:0.021343:0.012448:0.009365:0.012660
The costs of claims arising from incidents occurring in :@0.047987:0.127800:0.433177:0.127800:0.433177:0.117216:0.047987:0.117216:0.008367:0.008862:0.008351:0.005940:0.007058:0.008990:0.006563:0.005126:0.006563:0.005637:0.009357:0.004758:0.005637:0.007377:0.003625:0.007904:0.003864:0.013365:0.006770:0.005493:0.007808:0.005301:0.003864:0.006467:0.003864:0.008734:0.009165:0.005637:0.004998:0.005557:0.009357:0.013541:0.006467:0.003864:0.009038:0.007106:0.003864:0.009165:0.008351:0.008702:0.005413:0.006770:0.005461:0.009357:0.007122:0.007377:0.008670:0.005557:0.005365:0.003864:0.008830:0.009405:0.006738:0.003114:0.007313:0.004375
2021/22 was estimated to be £13.3  billion for CNST, :@0.048407:0.143479:0.427114:0.143479:0.427114:0.132895:0.048407:0.132895:0.008607:0.008958:0.008830:0.008910:0.006227:0.008990:0.008830:0.005205:0.012359:0.008655:0.007233:0.005205:0.008351:0.006770:0.005126:0.003864:0.013525:0.008128:0.005237:0.008351:0.009213:0.005716:0.005413:0.009038:0.006052:0.008575:0.007569:0.006467:0.008990:0.009165:0.009070:0.003465:0.009229:0.004375:0.002523:0.008910:0.003609:0.003609:0.003609:0.003609:0.008830:0.008575:0.006052:0.004998:0.009549:0.005557:0.005285:0.009325:0.011353:0.008064:0.007904:0.003273:0.004375
an  increase from the £7.9 billion  reported in 2020/21.:@0.048407:0.158861:0.431569:0.158861:0.431569:0.148277:0.048407:0.148277:0.007649:0.008495:0.004375:0.002523:0.003864:0.008734:0.007138:0.005381:0.008351:0.007792:0.006770:0.008016:0.005205:0.004998:0.005557:0.009022:0.013525:0.005637:0.005413:0.009213:0.008351:0.006100:0.009165:0.009165:0.003465:0.009229:0.006467:0.008910:0.003609:0.003609:0.003609:0.003609:0.008830:0.008575:0.004375:0.002427:0.005381:0.008064:0.009070:0.008990:0.005381:0.005413:0.007952:0.009070:0.006467:0.003369:0.007904:0.006052:0.008607:0.008958:0.008830:0.008910:0.006227:0.008990:0.008910:0.003465
This increase is mainly due to the change in the HM :@0.047987:0.174243:0.420275:0.174243:0.420275:0.163658:0.047987:0.163658:0.008367:0.008686:0.003864:0.006563:0.006052:0.003864:0.008734:0.007138:0.005381:0.008351:0.007792:0.006770:0.008016:0.006052:0.003369:0.005876:0.006052:0.013748:0.007760:0.003864:0.008830:0.003864:0.007728:0.005046:0.009070:0.008655:0.008064:0.005637:0.005126:0.008990:0.005301:0.005413:0.009038:0.008160:0.006052:0.007377:0.008846:0.008128:0.008846:0.009405:0.008160:0.006467:0.003273:0.007649:0.006052:0.005413:0.009038:0.008160:0.006387:0.010331:0.013110:0.004375
Treasury discount rates referred to above.  However, we :@0.047987:0.189684:0.444115:0.189684:0.444115:0.179100:0.047987:0.179100:0.008160:0.005381:0.008064:0.007904:0.006563:0.008830:0.005381:0.007473:0.005205:0.009405:0.003864:0.006770:0.007185:0.009357:0.009038:0.009038:0.005413:0.005653:0.005557:0.007888:0.005413:0.008032:0.006770:0.005924:0.005301:0.007984:0.004998:0.007856:0.005381:0.005381:0.008064:0.009070:0.006052:0.005413:0.009134:0.005205:0.008128:0.009102:0.009357:0.007457:0.008351:0.003241:0.004375:0.003273:0.011002:0.009165:0.011353:0.008160:0.007473:0.008160:0.005557:0.003273:0.005637:0.011928:0.008655:0.004375
have also allowed for an  increase in claims volumes as :@0.048828:0.205066:0.438025:0.205066:0.438025:0.194482:0.048828:0.194482:0.008830:0.007904:0.007473:0.008064:0.005637:0.007904:0.003864:0.006307:0.008990:0.005637:0.008128:0.003864:0.003864:0.009357:0.011545:0.008351:0.009405:0.005988:0.004998:0.009549:0.005557:0.005285:0.007649:0.008495:0.004375:0.002523:0.003864:0.008734:0.007138:0.005381:0.008351:0.007792:0.006770:0.008016:0.006052:0.003273:0.007649:0.006387:0.007377:0.003864:0.007840:0.003864:0.013525:0.006770:0.004375:0.007649:0.009357:0.003864:0.009038:0.013748:0.008351:0.006770:0.005796:0.007473:0.006211:0.004375
clinical activity has increased since 2020/21  compared :@0.048407:0.220448:0.434826:0.220448:0.434826:0.209863:0.048407:0.209863:0.007058:0.003864:0.003864:0.008575:0.003864:0.007058:0.007904:0.003864:0.006387:0.008128:0.007377:0.005413:0.003625:0.007649:0.003864:0.005126:0.007728:0.005557:0.008734:0.007728:0.006563:0.006052:0.003864:0.008575:0.007058:0.005381:0.008160:0.007808:0.006563:0.008064:0.009070:0.006387:0.006563:0.003864:0.008655:0.007138:0.008064:0.006052:0.008319:0.008399:0.008399:0.008607:0.005940:0.008399:0.008399:0.004375:0.004535:0.007377:0.008926:0.013445:0.009070:0.007904:0.005381:0.008160:0.009165:0.004375
to the previous year. As a consequence, without the :@0.047987:0.236125:0.423037:0.236125:0.423037:0.225541:0.047987:0.225541:0.005413:0.009134:0.005205:0.005413:0.009038:0.008160:0.006052:0.009070:0.005381:0.008064:0.007393:0.003864:0.008910:0.008830:0.006563:0.004870:0.007313:0.007904:0.007728:0.005205:0.003273:0.006467:0.010507:0.006770:0.005748:0.006802:0.006467:0.007377:0.009357:0.009229:0.006770:0.008351:0.009405:0.009038:0.008351:0.009038:0.007377:0.008351:0.003465:0.005573:0.012024:0.004040:0.005716:0.009405:0.009836:0.009405:0.005637:0.005205:0.005413:0.008702:0.008064:0.004375
effect of the discount rate change, we estimate that :@0.048407:0.251507:0.424815:0.251507:0.424815:0.240923:0.048407:0.240923:0.008351:0.005174:0.004998:0.008527:0.007377:0.005413:0.005700:0.009357:0.004758:0.004870:0.005413:0.009038:0.008160:0.006052:0.009405:0.003864:0.006770:0.007106:0.009357:0.009038:0.008830:0.005413:0.005940:0.005301:0.007808:0.005126:0.007984:0.006052:0.007377:0.009038:0.008383:0.009038:0.009405:0.008623:0.003465:0.005605:0.012183:0.008830:0.006052:0.008351:0.006770:0.005126:0.003864:0.013525:0.008128:0.005237:0.008351:0.005509:0.005413:0.009038:0.008128:0.005413:0.004375
the annual cost of harm would have been  £8.7  billion.:@0.047987:0.266889:0.435444:0.266889:0.435444:0.256305:0.047987:0.256305:0.005413:0.009038:0.008160:0.006052:0.008128:0.008846:0.009038:0.008862:0.008128:0.003864:0.006419:0.007058:0.008990:0.006563:0.005205:0.005637:0.009357:0.004758:0.006052:0.008734:0.007728:0.005381:0.013285:0.005637:0.011545:0.009724:0.009038:0.004072:0.009581:0.006467:0.008830:0.007904:0.007473:0.008064:0.006052:0.008990:0.007904:0.007904:0.008655:0.004375:0.002523:0.008990:0.009070:0.003465:0.009134:0.004375:0.002427:0.008830:0.003864:0.003529:0.003864:0.003529:0.008830:0.008655:0.003465
In 2021/22, our clinical schemes underspent by £224 :@0.048828:0.289161:0.430792:0.289161:0.430792:0.278577:0.048828:0.278577:0.003449:0.007393:0.006467:0.008910:0.008990:0.008910:0.008990:0.006467:0.008910:0.008990:0.003465:0.006531:0.009070:0.009038:0.005333:0.005637:0.007138:0.003864:0.003529:0.008655:0.003864:0.006978:0.007808:0.003864:0.006307:0.006770:0.007185:0.009038:0.008351:0.013461:0.008351:0.006770:0.005892:0.009038:0.009038:0.009405:0.008351:0.005557:0.006770:0.009389:0.008351:0.009038:0.005413:0.005541:0.008655:0.007058:0.006052:0.008910:0.008990:0.008830:0.008830:0.004375
million against budget (compared with  £430 million :@0.048828:0.304543:0.422329:0.304543:0.422329:0.293959:0.048828:0.293959:0.013189:0.003864:0.003529:0.003864:0.003529:0.008910:0.008655:0.006467:0.008128:0.009405:0.007936:0.003864:0.009038:0.006770:0.005413:0.005924:0.009389:0.008686:0.009405:0.009086:0.008160:0.005413:0.005509:0.004615:0.007377:0.009006:0.013525:0.009389:0.007760:0.005557:0.008144:0.009405:0.005142:0.011928:0.004040:0.005637:0.009405:0.004375:0.002523:0.008910:0.008910:0.008830:0.008830:0.006467:0.013030:0.003864:0.003529:0.003864:0.003529:0.008830:0.008575:0.004375
in 2020/21), of which  £222 million this year was in :@0.048828:0.319925:0.415016:0.319925:0.415016:0.309341:0.048828:0.309341:0.003273:0.007569:0.006467:0.008910:0.008910:0.008830:0.008910:0.006227:0.008990:0.008910:0.004822:0.003673:0.006467:0.009357:0.005190:0.004375:0.011848:0.009325:0.003864:0.007649:0.009325:0.004375:0.002523:0.008910:0.008910:0.008830:0.008830:0.006467:0.013189:0.003864:0.003529:0.003864:0.003529:0.008910:0.008655:0.006052:0.005413:0.008782:0.003864:0.006563:0.004870:0.007728:0.008351:0.008128:0.005557:0.004854:0.012183:0.008575:0.007138:0.006052:0.003114:0.007313:0.004375
respect of CNST.  Expenditure on CNST increased by 7% :@0.048828:0.335307:0.448085:0.335307:0.448085:0.324723:0.048828:0.324723:0.005381:0.008160:0.006770:0.009022:0.008160:0.007377:0.005142:0.005205:0.009357:0.004758:0.005716:0.009325:0.011177:0.007984:0.007808:0.003194:0.004375:0.003689:0.007904:0.007138:0.009389:0.008175:0.009038:0.009405:0.003657:0.005413:0.009038:0.005301:0.008351:0.005509:0.008575:0.008399:0.006467:0.009884:0.011720:0.008479:0.008367:0.005924:0.003864:0.008734:0.007058:0.005381:0.008160:0.007808:0.006770:0.007936:0.009165:0.006467:0.008830:0.007313:0.005301:0.009245:0.014115:0.004375
from 2020/21,  primarily on  high value claims,  but the :@0.047987:0.350747:0.433959:0.350747:0.433959:0.340163:0.047987:0.340163:0.004998:0.005557:0.009022:0.013525:0.006467:0.008910:0.008990:0.008830:0.008910:0.006227:0.008990:0.008910:0.003465:0.004375:0.002587:0.009389:0.005557:0.003864:0.013381:0.008128:0.005557:0.003625:0.003864:0.007728:0.005046:0.008575:0.008399:0.004375:0.002427:0.008575:0.003609:0.008734:0.008575:0.005637:0.007649:0.008128:0.003864:0.009038:0.008351:0.005748:0.007377:0.003864:0.007840:0.003864:0.013748:0.006595:0.003465:0.004375:0.002491:0.009070:0.008734:0.005205:0.005205:0.005413:0.008702:0.008064:0.004375
volume and value of claims settlements was lower than :@0.047567:0.366426:0.446537:0.366426:0.446537:0.355842:0.047567:0.355842:0.007649:0.009357:0.003864:0.009038:0.013748:0.008351:0.005732:0.007808:0.008575:0.008990:0.005637:0.007649:0.008319:0.003864:0.009038:0.008351:0.005557:0.009357:0.004758:0.005637:0.007377:0.003625:0.007904:0.003864:0.013365:0.006770:0.005493:0.006770:0.008351:0.005413:0.005413:0.003864:0.008351:0.013748:0.008351:0.009038:0.005413:0.006770:0.004375:0.012471:0.008655:0.007233:0.005637:0.003864:0.009357:0.011912:0.008351:0.005557:0.005333:0.005126:0.008830:0.007904:0.008830:0.004375
assumed in the budget,  resulting in the underspend.:@0.048407:0.381808:0.421158:0.381808:0.421158:0.371223:0.048407:0.371223:0.008128:0.006419:0.006770:0.008686:0.013525:0.008160:0.009405:0.006643:0.003273:0.007649:0.006052:0.005413:0.009038:0.008160:0.006052:0.009389:0.009038:0.009229:0.009405:0.008160:0.005413:0.003465:0.004375:0.002459:0.005557:0.007968:0.006563:0.008734:0.003864:0.005046:0.003864:0.008575:0.009070:0.006467:0.003369:0.007904:0.005716:0.005413:0.009038:0.008080:0.006467:0.009038:0.008702:0.009405:0.008160:0.005557:0.006770:0.009181:0.008351:0.009038:0.009086:0.003465
Our provision increased  by 51 %  or £43.3  billion to :@0.048407:0.404021:0.414228:0.404021:0.414228:0.393436:0.048407:0.393436:0.011848:0.009038:0.005333:0.006052:0.009070:0.005301:0.008910:0.007313:0.003864:0.006387:0.003864:0.008734:0.008655:0.006467:0.003864:0.008734:0.007138:0.005381:0.008160:0.007808:0.006770:0.007936:0.009165:0.004375:0.002427:0.008655:0.007138:0.006052:0.006802:0.006898:0.004790:0.013780:0.004375:0.002858:0.008830:0.005301:0.005637:0.008990:0.009165:0.009070:0.003465:0.009229:0.004375:0.002523:0.008910:0.003609:0.003864:0.003529:0.003864:0.008734:0.008655:0.005637:0.005126:0.008990:0.004375
£128.6 billion. Almost all of this is due to the reductions :@0.048828:0.419403:0.453753:0.419403:0.453753:0.408818:0.048828:0.408818:0.009070:0.009245:0.009165:0.009245:0.003705:0.009165:0.006467:0.008990:0.003864:0.003609:0.003864:0.003864:0.008830:0.008830:0.003465:0.005940:0.010587:0.003864:0.014036:0.009581:0.006770:0.005589:0.005205:0.007233:0.003449:0.003449:0.006467:0.009357:0.004758:0.005205:0.005413:0.008782:0.003864:0.006563:0.006052:0.003194:0.005716:0.005637:0.009070:0.008655:0.008064:0.005637:0.005413:0.009134:0.004870:0.005413:0.009038:0.008080:0.006467:0.005381:0.008064:0.009405:0.008750:0.007377:0.005142:0.003864:0.009086:0.009038:0.006515:0.004375
in the  HM Treasury long term and very long term discount :@0.048828:0.434784:0.466336:0.434784:0.466336:0.424200:0.048828:0.424200:0.003273:0.007569:0.006052:0.005413:0.009038:0.008160:0.004375:0.002523:0.010331:0.013030:0.006052:0.008160:0.005381:0.008064:0.007904:0.006563:0.008830:0.005381:0.007473:0.005637:0.003609:0.008830:0.008575:0.008830:0.005637:0.005413:0.008351:0.005317:0.013748:0.005924:0.007808:0.008575:0.008990:0.005716:0.007649:0.008351:0.005349:0.007728:0.005557:0.003609:0.008830:0.008575:0.008910:0.006052:0.005413:0.008032:0.005381:0.013445:0.006387:0.009405:0.003864:0.006563:0.007377:0.009102:0.008830:0.009038:0.005158:0.004375
rates. These discount rates are applied to the amounts :@0.048828:0.450166:0.439654:0.450166:0.439654:0.439582:0.048828:0.439582:0.005381:0.008128:0.005062:0.008160:0.006770:0.003225:0.006387:0.008367:0.008782:0.008351:0.006770:0.008080:0.005716:0.009405:0.003864:0.006770:0.007185:0.009357:0.009038:0.009038:0.005413:0.005653:0.005381:0.008128:0.005158:0.008160:0.006770:0.005589:0.007728:0.005301:0.007904:0.005637:0.007808:0.009070:0.009165:0.003864:0.003864:0.007904:0.009165:0.005637:0.005413:0.009134:0.005301:0.005413:0.009038:0.008080:0.005716:0.008128:0.013477:0.009357:0.009038:0.009038:0.005413:0.006770:0.004375
expected to be paid out to settle claims in the future in :@0.048407:0.465606:0.444471:0.465606:0.444471:0.455022:0.048407:0.455022:0.008351:0.007329:0.009022:0.008351:0.007106:0.005413:0.008112:0.009405:0.005477:0.005413:0.009134:0.006052:0.008575:0.007569:0.006467:0.008734:0.007473:0.003609:0.008734:0.006467:0.009357:0.008798:0.005413:0.004679:0.005413:0.009134:0.005637:0.006770:0.008016:0.005205:0.005413:0.003657:0.008064:0.005637:0.007377:0.003864:0.007840:0.003864:0.013525:0.006770:0.006004:0.003273:0.007569:0.006052:0.005413:0.009038:0.008160:0.005205:0.004998:0.009038:0.005413:0.009293:0.005557:0.008351:0.006595:0.003114:0.007393:0.004375
order to give a value in the accounts at today's prices.:@0.048407:0.481046:0.429413:0.481046:0.429413:0.470462:0.048407:0.470462:0.009070:0.005381:0.009165:0.008160:0.005381:0.005205:0.005413:0.009134:0.005205:0.008910:0.003864:0.007138:0.007904:0.006052:0.006898:0.005205:0.007649:0.008319:0.003864:0.009038:0.008351:0.005972:0.003369:0.007904:0.005716:0.005413:0.009038:0.008080:0.006052:0.008128:0.007377:0.007377:0.009357:0.009038:0.009038:0.005413:0.006770:0.005748:0.008128:0.005158:0.004870:0.005205:0.009165:0.009165:0.007808:0.007728:0.003449:0.006770:0.005493:0.008990:0.005301:0.003864:0.006898:0.007984:0.006467:0.003465
As we expect to make payments on clinical negligence :@0.488512:0.127503:0.882180:0.127503:0.882180:0.116919:0.488512:0.116919:0.010299:0.007010:0.004870:0.012359:0.008990:0.005637:0.008351:0.007329:0.009389:0.008351:0.007377:0.005413:0.004631:0.005413:0.009134:0.006052:0.013748:0.007760:0.007936:0.008032:0.006467:0.009389:0.007920:0.007728:0.013541:0.008351:0.009038:0.005142:0.006770:0.005589:0.008575:0.008319:0.006467:0.007377:0.003545:0.003864:0.008495:0.003864:0.006978:0.007808:0.003864:0.006643:0.009038:0.008016:0.009405:0.003625:0.003864:0.009165:0.008160:0.009038:0.007010:0.008160:0.004375
claims over the lifetime of claimants' lives, which :@0.489268:0.142885:0.839808:0.142885:0.839808:0.132301:0.489268:0.132301:0.007377:0.003625:0.007904:0.003864:0.013365:0.006770:0.005493:0.008990:0.007393:0.008160:0.005381:0.005205:0.005413:0.009038:0.008160:0.006052:0.003864:0.003864:0.004998:0.008112:0.005413:0.003657:0.013525:0.008160:0.006052:0.009357:0.004758:0.005301:0.007377:0.003864:0.008128:0.003864:0.014004:0.008128:0.009038:0.005700:0.006770:0.003673:0.006451:0.003864:0.003529:0.007233:0.007904:0.006467:0.003273:0.005716:0.011768:0.009325:0.003864:0.007649:0.009325:0.004375
will be many years into the future, these discount :@0.488512:0.158326:0.845853:0.158326:0.845853:0.147742:0.488512:0.147742:0.011545:0.003864:0.003864:0.004088:0.006467:0.008830:0.007728:0.006052:0.013748:0.007936:0.009038:0.007728:0.004375:0.007728:0.008351:0.007904:0.005557:0.006770:0.005988:0.003864:0.008575:0.005126:0.008990:0.005301:0.005413:0.009038:0.008160:0.005205:0.004998:0.009453:0.005413:0.009293:0.005557:0.008559:0.003465:0.006116:0.005413:0.009038:0.008080:0.006770:0.008351:0.005892:0.009405:0.003864:0.006563:0.007377:0.009102:0.008830:0.009038:0.005158:0.004375
rates can  have a significant effect on the value of the :@0.489688:0.173708:0.871684:0.173708:0.871684:0.163124:0.489688:0.163124:0.005381:0.007904:0.005205:0.008064:0.006563:0.005637:0.007058:0.007649:0.008655:0.004375:0.002523:0.008734:0.007728:0.007393:0.007984:0.006052:0.006898:0.006052:0.006770:0.003864:0.009405:0.009213:0.003864:0.004998:0.003864:0.007377:0.008303:0.009038:0.005413:0.005301:0.008575:0.004998:0.005174:0.008575:0.007377:0.005653:0.005301:0.008575:0.008319:0.006052:0.005413:0.009038:0.008160:0.004870:0.007649:0.008128:0.003864:0.009038:0.008351:0.006084:0.009357:0.004758:0.004870:0.005413:0.008702:0.008064:0.004375
provision.  However, this is an accounting adjustment :@0.489688:0.189090:0.868794:0.189090:0.868794:0.178506:0.489688:0.178506:0.009070:0.005381:0.008990:0.007393:0.003864:0.006467:0.003864:0.008910:0.008830:0.003465:0.004375:0.003257:0.011098:0.009070:0.011257:0.008064:0.007393:0.008064:0.005381:0.003465:0.006371:0.005413:0.008782:0.003864:0.006563:0.006052:0.003194:0.005637:0.005637:0.007649:0.008495:0.006052:0.008128:0.007377:0.007377:0.009357:0.009038:0.009038:0.005413:0.003864:0.009038:0.009405:0.006339:0.008128:0.009405:0.003864:0.008862:0.006770:0.005413:0.013748:0.008351:0.009038:0.005413:0.004375
and does not affect the underlying amount that will :@0.489268:0.204769:0.862753:0.204769:0.862753:0.194185:0.489268:0.194185:0.007808:0.008655:0.008990:0.006052:0.009165:0.009070:0.008160:0.006770:0.005589:0.009038:0.009038:0.005413:0.005094:0.008319:0.004998:0.005174:0.008351:0.007696:0.005413:0.005253:0.005413:0.009038:0.008160:0.006052:0.008830:0.008830:0.009405:0.007984:0.005557:0.003689:0.007728:0.003625:0.009038:0.009118:0.006052:0.008128:0.013972:0.009357:0.009213:0.009038:0.005589:0.005205:0.005413:0.009373:0.008319:0.005413:0.004583:0.011353:0.003864:0.003864:0.003864:0.004375
be paid out to settle claims in the short term.:@0.489688:0.220151:0.809729:0.220151:0.809729:0.209566:0.489688:0.209566:0.008575:0.007569:0.006052:0.008830:0.007473:0.003609:0.008734:0.006467:0.009357:0.009038:0.005413:0.004854:0.005413:0.009038:0.005716:0.006770:0.007936:0.005205:0.005413:0.003657:0.008064:0.005637:0.007377:0.003864:0.007840:0.003864:0.013525:0.006770:0.005589:0.003369:0.007984:0.005637:0.005413:0.009038:0.008160:0.006052:0.006770:0.008686:0.009165:0.005557:0.005413:0.005078:0.005413:0.008351:0.005317:0.013525:0.003465
The other factors affecting the value of :@0.509455:0.281269:0.822321:0.281269:0.822321:0.270127:0.509455:0.270127:0.009160:0.009917:0.009160:0.005715:0.010505:0.006051:0.010085:0.009413:0.006303:0.004790:0.005547:0.008992:0.008236:0.006051:0.010337:0.006135:0.007564:0.005631:0.009160:0.005547:0.005631:0.009413:0.008236:0.006051:0.004286:0.010085:0.010589:0.005631:0.006051:0.010085:0.009329:0.005211:0.008572:0.009160:0.004286:0.010085:0.009413:0.006051:0.010253:0.005547:0.004605
the provision  largely offset each other, :@0.509118:0.296710:0.814926:0.296710:0.814926:0.285568:0.509118:0.285568:0.006135:0.010169:0.009497:0.006051:0.010085:0.005849:0.010118:0.008236:0.004068:0.007362:0.004068:0.010219:0.009749:0.004605:0.002706:0.004068:0.009127:0.006135:0.010337:0.009160:0.004286:0.008488:0.005631:0.010337:0.005631:0.005463:0.007564:0.009329:0.006051:0.005631:0.008791:0.008555:0.007765:0.009513:0.006555:0.009850:0.005866:0.009513:0.009144:0.005849:0.003647:0.004605
but it is worth noting the main trends::@0.510295:0.312389:0.809093:0.312389:0.809093:0.301247:0.510295:0.301247:0.010169:0.009749:0.005883:0.006471:0.003866:0.005379:0.006471:0.003530:0.006135:0.004605:0.013127:0.010673:0.006303:0.006219:0.010337:0.006891:0.009833:0.010169:0.005883:0.004068:0.009883:0.010169:0.005631:0.006135:0.010169:0.009497:0.006471:0.014472:0.008892:0.004068:0.009715:0.005631:0.005883:0.006051:0.009160:0.009833:0.010337:0.007396:0.003647
•  The provision across all schemes increased :@0.510295:0.334303:0.859249:0.334303:0.859249:0.323162:0.510295:0.323162:0.006471:0.004605:0.007076:0.009160:0.009917:0.009160:0.006471:0.009883:0.005849:0.010152:0.008236:0.004068:0.007127:0.004353:0.009850:0.009816:0.006471:0.008555:0.007765:0.005849:0.009850:0.006891:0.007127:0.005648:0.008555:0.004068:0.004269:0.006471:0.007127:0.007580:0.009513:0.008791:0.014472:0.008791:0.007127:0.006353:0.004068:0.009513:0.007765:0.006135:0.008791:0.008555:0.007362:0.008791:0.009900:0.004605
due to expected claims from another :@0.528866:0.349981:0.821899:0.349981:0.821899:0.338840:0.528866:0.338840:0.009900:0.009766:0.008992:0.005211:0.005967:0.010169:0.006051:0.009076:0.007900:0.010253:0.009076:0.007984:0.005883:0.008992:0.010253:0.006387:0.007765:0.004252:0.008740:0.004068:0.014758:0.007127:0.004975:0.005463:0.006051:0.010169:0.015043:0.006807:0.009160:0.010085:0.010421:0.006051:0.010085:0.009329:0.006219:0.004605
year's worth of activity by £8.5 billion.:@0.528026:0.365363:0.824387:0.365363:0.824387:0.354221:0.528026:0.354221:0.008404:0.009076:0.008908:0.006135:0.004034:0.007396:0.004874:0.013194:0.010589:0.006219:0.006135:0.010253:0.006471:0.010757:0.005799:0.005211:0.009160:0.008236:0.006051:0.004286:0.008572:0.004370:0.005967:0.008656:0.005631:0.009883:0.007849:0.005211:0.009329:0.009244:0.003647:0.009295:0.006471:0.010253:0.004068:0.004336:0.004286:0.004068:0.010471:0.009917:0.003647
•  Our expectations of long term  inflation :@0.510295:0.387338:0.840474:0.387338:0.840474:0.376197:0.510295:0.376197:0.006471:0.004605:0.007496:0.013110:0.009833:0.006051:0.005715:0.009329:0.008068:0.010421:0.009244:0.008068:0.005967:0.008908:0.005967:0.004286:0.010337:0.009917:0.007480:0.005631:0.010505:0.005631:0.006051:0.004068:0.009850:0.009513:0.009681:0.005631:0.005967:0.008992:0.006051:0.014875:0.004605:0.003042:0.004068:0.010303:0.005547:0.004370:0.008992:0.006051:0.004370:0.010421:0.010085:0.004605
have reduced again.  However, this:@0.529286:0.403017:0.796687:0.403017:0.796687:0.391876:0.529286:0.391876:0.009513:0.008976:0.008320:0.009076:0.006051:0.006051:0.008791:0.010118:0.009513:0.007765:0.009026:0.009900:0.006572:0.008992:0.010505:0.008992:0.004370:0.010085:0.003866:0.004605:0.002622:0.012270:0.010085:0.012438:0.008791:0.008354:0.008992:0.005849:0.003647:0.005883:0.005967:0.010001:0.004286:0.007127
has been  partially offset by increases :@0.529271:0.418399:0.819733:0.418399:0.819733:0.407257:0.529271:0.407257:0.009513:0.008387:0.007127:0.005984:0.009883:0.008791:0.008791:0.009261:0.004605:0.002622:0.010589:0.009076:0.006303:0.006135:0.004286:0.009160:0.004286:0.004370:0.008740:0.005631:0.010337:0.005631:0.005463:0.007564:0.009329:0.006051:0.006051:0.009883:0.007933:0.006051:0.004068:0.009513:0.007765:0.006051:0.008791:0.008555:0.007362:0.008791:0.007127:0.004605
in shortterm  inflation  rates.:@0.529608:0.433543:0.747794:0.433543:0.747794:0.422402:0.529608:0.422402:0.003698:0.008824:0.006471:0.007816:0.010505:0.010841:0.006471:0.006303:0.006219:0.009749:0.006387:0.015968:0.004605:0.002706:0.004370:0.010169:0.005547:0.004370:0.009076:0.006051:0.004370:0.010505:0.010085:0.004605:0.002622:0.005849:0.008555:0.005698:0.008976:0.007127:0.003647
More information about the changes in :@0.510715:0.456052:0.823498:0.456052:0.823498:0.444910:0.510715:0.444910:0.015094:0.010034:0.005849:0.008791:0.007043:0.004068:0.010219:0.005463:0.010421:0.006219:0.015295:0.009076:0.006051:0.004286:0.010421:0.010001:0.006471:0.008992:0.010421:0.010505:0.010001:0.006051:0.004874:0.006051:0.010001:0.009329:0.006051:0.007765:0.009883:0.008555:0.009934:0.010085:0.008992:0.007312:0.006471:0.003614:0.008488:0.004605
the value of the provision and budgetary :@0.509118:0.471434:0.835600:0.471434:0.835600:0.460292:0.509118:0.460292:0.006135:0.010169:0.009497:0.004790:0.008572:0.009160:0.004286:0.010169:0.009413:0.006051:0.010757:0.005799:0.004034:0.006135:0.010169:0.009497:0.006471:0.010085:0.005849:0.010118:0.008236:0.004068:0.007362:0.004068:0.010219:0.009749:0.006471:0.008555:0.009513:0.009900:0.006740:0.010337:0.009917:0.010421:0.010337:0.009244:0.005967:0.008908:0.006135:0.008572:0.004605
performance can be found  in the :@0.510295:0.486814:0.772233:0.486814:0.772233:0.475673:0.510295:0.475673:0.010421:0.009160:0.006135:0.005463:0.010337:0.006135:0.015127:0.008992:0.010001:0.008236:0.009244:0.006051:0.007480:0.008320:0.009160:0.006891:0.009581:0.008572:0.005631:0.005547:0.010253:0.009917:0.009917:0.010337:0.004605:0.002706:0.003698:0.008824:0.005631:0.005967:0.009833:0.009160:0.004605
Finance report at pages 55 to 63.:@0.510715:0.502196:0.765728:0.502196:0.765728:0.491055:0.510715:0.491055:0.008488:0.004068:0.009715:0.008740:0.009513:0.008135:0.008992:0.006471:0.006219:0.009160:0.010337:0.010253:0.006051:0.005967:0.005631:0.008992:0.005967:0.006051:0.009883:0.008555:0.009900:0.008791:0.007127:0.006589:0.008236:0.008320:0.005211:0.005967:0.010169:0.006051:0.009060:0.008757:0.003647