NHS Resolution:@0.116836:0.056159:0.212307:0.056159:0.212307:0.047246:0.116836:0.047246:0.009736:0.009146:0.006889:0.004862:0.008313:0.007225:0.005963:0.008219:0.003438:0.007803:0.004781:0.003250:0.008246:0.007601
Annual report and accounts 2021/22:@0.288484:0.056159:0.513913:0.056159:0.513913:0.047246:0.288484:0.047246:0.009226:0.008138:0.008058:0.008138:0.007212:0.003519:0.005627:0.004956:0.007306:0.008219:0.008232:0.004862:0.004553:0.005009:0.006836:0.007601:0.007722:0.005211:0.006836:0.006419:0.006204:0.008152:0.007803:0.007601:0.004741:0.005694:0.004539:0.006876:0.006970:0.006876:0.006970:0.005036:0.007051:0.007239
57:@0.938308:0.056159:0.952664:0.056159:0.952664:0.047246:0.938308:0.047246:0.006634:0.007722
Figure 16::@0.097113:0.102566:0.172251:0.102566:0.172251:0.091424:0.097113:0.091424:0.008393:0.004768:0.009753:0.009653:0.006295:0.008645:0.006463:0.008310:0.008310:0.004549
Change in  NHS Resolution provisions for all schemes:@0.096693:0.119373:0.502887:0.119373:0.502887:0.108231:0.096693:0.108231:0.010660:0.009820:0.008813:0.009820:0.010240:0.009065:0.006463:0.003693:0.008813:0.004600:0.002619:0.011583:0.010912:0.008142:0.006463:0.010408:0.009065:0.007302:0.010072:0.004062:0.009871:0.005875:0.004062:0.010123:0.009736:0.006799:0.010072:0.005842:0.010106:0.008226:0.004062:0.007353:0.004062:0.010206:0.009736:0.007302:0.005204:0.005792:0.010744:0.006463:0.005624:0.008545:0.004062:0.004062:0.006748:0.007118:0.007487:0.009501:0.008780:0.014118:0.008780:0.007118
Q  :@0.180460:0.357738:0.202296:0.357738:0.202296:0.348825:0.180460:0.348825:0.010180:0.007950:0.003707
Total provisions as at 31 March 2021:@0.216384:0.357738:0.433446:0.357738:0.433446:0.348825:0.216384:0.348825:0.006889:0.007306:0.004620:0.006379:0.003357:0.004445:0.007803:0.005117:0.007803:0.006876:0.003814:0.005506:0.003814:0.007682:0.007641:0.005627:0.003196:0.007225:0.005708:0.003707:0.007225:0.005224:0.003989:0.005788:0.005869:0.005627:0.011751:0.006634:0.004956:0.005963:0.007386:0.004781:0.006540:0.006554:0.006540:0.007722
1 :@0.187326:0.379713:0.196243:0.379713:0.196243:0.370799:0.187326:0.370799:0.005211:0.003707
Projected IBNR increase calculated on start of year:@0.216374:0.379713:0.516324:0.379713:0.516324:0.370799:0.216374:0.370799:0.007547:0.004956:0.007641:0.003532:0.006715:0.005963:0.004781:0.006715:0.007722:0.004875:0.003613:0.007306:0.009065:0.007386:0.004445:0.003532:0.007561:0.006043:0.005036:0.006715:0.006715:0.005533:0.006795:0.003196:0.006218:0.006889:0.003613:0.006124:0.007722:0.003613:0.006970:0.004956:0.006889:0.007897:0.004029:0.007722:0.007641:0.004029:0.005372:0.004862:0.006634:0.004875:0.004781:0.004445:0.007977:0.004956:0.002014:0.006970:0.007051:0.006970:0.005345
 :@0.516099:0.379713:0.519778:0.379713:0.519778:0.370799:0.516099:0.370799:0.003680
(2021 assumptions):@0.216367:0.391115:0.329901:0.391115:0.329901:0.382202:0.216367:0.382202:0.004284:0.006634:0.006540:0.006554:0.006540:0.005708:0.006540:0.005291:0.005452:0.007467:0.011241:0.007641:0.004862:0.003438:0.007547:0.007467:0.005372:0.004956
2 :@0.186168:0.416475:0.197099:0.416475:0.197099:0.407561:0.186168:0.407561:0.007225:0.003707
Newly reported claims:@0.216398:0.416475:0.350223:0.416475:0.350223:0.407561:0.216398:0.407561:0.009992:0.006889:0.010153:0.003613:0.006795:0.003707:0.005023:0.006715:0.007722:0.007641:0.005036:0.004875:0.006795:0.007722:0.004781:0.005788:0.003438:0.006540:0.003532:0.011160:0.005909
3 :@0.186168:0.441596:0.197099:0.441596:0.197099:0.432683:0.186168:0.432683:0.007225:0.003707
Movement in IBNR due to updated assumptions:@0.216814:0.441596:0.503737:0.441596:0.503737:0.432683:0.216814:0.432683:0.012248:0.007803:0.006889:0.006795:0.011670:0.006795:0.007722:0.004956:0.004445:0.003357:0.007131:0.004029:0.003693:0.007386:0.009146:0.007561:0.004029:0.008058:0.007897:0.007051:0.002766:0.005452:0.008649:0.004029:0.007641:0.007803:0.007803:0.006795:0.004875:0.006876:0.007803:0.004029:0.006634:0.005452:0.005533:0.007561:0.011335:0.007722:0.004862:0.003532:0.007641:0.007561:0.005909
4 :@0.186168:0.465827:0.197099:0.465827:0.197099:0.456914:0.186168:0.456914:0.007225:0.003707
Movement in existing claims due to changes:@0.217566:0.465827:0.482303:0.465827:0.482303:0.456914:0.217566:0.456914:0.012248:0.007803:0.006889:0.006795:0.011670:0.006795:0.007722:0.004956:0.004445:0.003277:0.007131:0.004029:0.006634:0.006715:0.003438:0.005452:0.004781:0.003519:0.007386:0.007641:0.004029:0.006043:0.003438:0.006634:0.003519:0.011241:0.005372:0.003707:0.007789:0.007722:0.006970:0.003707:0.004942:0.007897:0.004029:0.006043:0.007547:0.006715:0.007641:0.007722:0.006795:0.005909
 :@0.481870:0.465827:0.485550:0.465827:0.485550:0.456914:0.481870:0.456914:0.003680
in data assumptions:@0.217139:0.477230:0.336434:0.477230:0.336434:0.468317:0.217139:0.468317:0.003357:0.007131:0.004875:0.007561:0.006540:0.004700:0.006554:0.005197:0.006715:0.005452:0.005452:0.007467:0.011335:0.007641:0.004862:0.003532:0.007547:0.007467:0.005909
I  | :@0.577287:0.357501:0.598788:0.357501:0.598788:0.348588:0.577287:0.348588:0.002014:0.003707:0.009226:0.002847:0.003707
Total provisions as at 31 March 2022:@0.612379:0.357501:0.831375:0.357501:0.831375:0.348588:0.612379:0.348588:0.007131:0.007386:0.004700:0.006460:0.003357:0.004365:0.007977:0.005117:0.007897:0.006889:0.003814:0.005506:0.003814:0.007762:0.007722:0.005627:0.003183:0.006889:0.005627:0.003707:0.007225:0.005600:0.003196:0.006218:0.006298:0.005197:0.011925:0.006715:0.004956:0.006043:0.007467:0.004029:0.007212:0.007131:0.007131:0.007722
5 :@0.583012:0.379713:0.593930:0.379713:0.593930:0.370799:0.583012:0.370799:0.007212:0.003707
Payments made in year:@0.614061:0.379713:0.752197:0.379713:0.752197:0.370799:0.614061:0.370799:0.007641:0.006634:0.006634:0.011415:0.006715:0.007467:0.004862:0.005452:0.003707:0.011737:0.006970:0.007977:0.007051:0.004029:0.003357:0.007131:0.003707:0.006621:0.006889:0.006795:0.005345
6 :@0.582172:0.403647:0.593090:0.403647:0.593090:0.394733:0.582172:0.394733:0.007212:0.003707
Movement in provisions due to change in:@0.613221:0.403647:0.863025:0.403647:0.863025:0.394733:0.613221:0.394733:0.012422:0.007897:0.006970:0.006889:0.011831:0.006889:0.007803:0.004956:0.004029:0.003022:0.006634:0.005627:0.007561:0.004956:0.007386:0.006460:0.003438:0.005291:0.003438:0.007386:0.007212:0.005291:0.004445:0.007803:0.007561:0.006795:0.002847:0.005224:0.008461:0.003196:0.006218:0.007803:0.006970:0.007897:0.008058:0.007051:0.004781:0.003183:0.008125
 :@0.861759:0.403647:0.865439:0.403647:0.865439:0.394733:0.861759:0.394733:0.003680
HM Treasury prescribed discount rates,:@0.613228:0.414752:0.842955:0.414752:0.842955:0.405839:0.613228:0.405839:0.009146:0.011335:0.004862:0.007131:0.004781:0.006634:0.006554:0.005291:0.007386:0.004875:0.006554:0.004365:0.007561:0.004875:0.006634:0.005452:0.005963:0.004875:0.003532:0.007641:0.006715:0.007641:0.004445:0.007722:0.003613:0.005452:0.006043:0.007641:0.007467:0.007561:0.004862:0.004445:0.004700:0.006298:0.004539:0.006379:0.005117:0.003639
 :@0.842437:0.414752:0.846117:0.414752:0.846117:0.405839:0.842437:0.405839:0.003680
including change in inflation basis:@0.613228:0.426155:0.818593:0.426155:0.818593:0.417242:0.613228:0.417242:0.003438:0.007641:0.006043:0.003613:0.007561:0.007803:0.003613:0.007641:0.007803:0.003707:0.006110:0.007722:0.006889:0.007803:0.007977:0.006970:0.004781:0.003183:0.006889:0.004445:0.003532:0.007641:0.004956:0.003613:0.006889:0.004956:0.003814:0.007682:0.007722:0.004862:0.007212:0.006379:0.005211:0.003357:0.005909
Figure  16 shows how the provision for liabilities has :@0.097113:0.541982:0.468565:0.541982:0.468565:0.531398:0.097113:0.531398:0.007463:0.003859:0.008819:0.008564:0.005295:0.007894:0.004370:0.002855:0.007894:0.007894:0.006044:0.006762:0.009026:0.009553:0.011530:0.007017:0.006044:0.009313:0.009569:0.011753:0.004784:0.005406:0.009026:0.008149:0.006459:0.008819:0.005199:0.008899:0.007304:0.003859:0.006299:0.003859:0.008723:0.008644:0.006044:0.004992:0.009537:0.005550:0.006124:0.003859:0.003524:0.007894:0.008979:0.003859:0.003859:0.003620:0.005406:0.003652:0.008054:0.006554:0.006044:0.008564:0.007639:0.006379:0.004370
changed over the last year for all  incident years across :@0.096693:0.556830:0.484667:0.556830:0.484667:0.546245:0.096693:0.546245:0.007368:0.008755:0.008117:0.008676:0.009393:0.008069:0.009393:0.006299:0.008979:0.007384:0.008054:0.005374:0.005295:0.005406:0.009026:0.008149:0.006044:0.003859:0.007814:0.006459:0.005199:0.004370:0.007719:0.008341:0.008117:0.005550:0.005358:0.004992:0.009537:0.005550:0.005358:0.007224:0.003445:0.003445:0.004370:0.002424:0.003859:0.009026:0.007097:0.003859:0.009393:0.008341:0.008787:0.005406:0.004673:0.007719:0.008341:0.007942:0.005550:0.006762:0.005645:0.007798:0.007049:0.005374:0.009058:0.006459:0.006554:0.004370
all schemes.:@0.096693:0.571677:0.179860:0.571677:0.179860:0.561093:0.096693:0.561093:0.007224:0.003445:0.003445:0.006044:0.006762:0.007081:0.009026:0.008101:0.013731:0.008085:0.006762:0.003461
The provision at 31  March 2021  has been  increased :@0.096273:0.591632:0.468108:0.591632:0.468108:0.581048:0.096273:0.581048:0.008357:0.008851:0.008341:0.005933:0.009058:0.005295:0.008899:0.007304:0.003859:0.006379:0.003859:0.008723:0.008644:0.006459:0.007719:0.005119:0.005630:0.007224:0.007304:0.004370:0.005279:0.013763:0.007719:0.005374:0.007129:0.008723:0.006459:0.008309:0.008309:0.008229:0.008229:0.004370:0.004864:0.008723:0.007719:0.006554:0.006044:0.008979:0.007894:0.007894:0.008644:0.004370:0.002520:0.003859:0.008644:0.006969:0.005295:0.008054:0.007719:0.006554:0.007974:0.008979:0.004370
by £2.457  billion from £82.785 billion to £85.242 :@0.097113:0.606420:0.456014:0.606420:0.456014:0.595836:0.097113:0.595836:0.008644:0.007049:0.005630:0.009154:0.009154:0.003461:0.009218:0.009154:0.009058:0.004370:0.002424:0.008899:0.003604:0.003604:0.003604:0.003604:0.008819:0.008564:0.006044:0.004992:0.005550:0.009010:0.013508:0.006459:0.009154:0.009234:0.009154:0.003700:0.009234:0.009154:0.009154:0.006459:0.008899:0.003604:0.003859:0.003524:0.003859:0.008723:0.008644:0.006044:0.005119:0.008979:0.006044:0.009154:0.009234:0.009058:0.003700:0.009154:0.009058:0.009058:0.004370
billion to reflect a  prior period adjustment to the :@0.097113:0.621208:0.445090:0.621208:0.445090:0.610624:0.097113:0.610624:0.008899:0.003604:0.003604:0.003604:0.003604:0.008819:0.008564:0.006044:0.005119:0.008979:0.006044:0.005550:0.008133:0.004992:0.003859:0.008341:0.007368:0.005231:0.005199:0.006889:0.004370:0.002520:0.009058:0.005295:0.003859:0.008723:0.005295:0.005630:0.009058:0.007974:0.005295:0.003859:0.008723:0.008979:0.006459:0.008117:0.009600:0.003859:0.009026:0.006762:0.005406:0.013731:0.008341:0.009026:0.005406:0.004912:0.005406:0.009122:0.005199:0.005406:0.008691:0.008054:0.004370
known claims provision.  Further details are provided :@0.097113:0.635996:0.474593:0.635996:0.474593:0.625412:0.097113:0.625412:0.007926:0.009202:0.009345:0.011530:0.009026:0.006523:0.007368:0.003620:0.007894:0.003859:0.013348:0.006762:0.005917:0.009058:0.005374:0.008979:0.007384:0.003859:0.006459:0.003859:0.008899:0.008819:0.003461:0.004370:0.007607:0.007782:0.008755:0.005550:0.005406:0.008691:0.008341:0.005550:0.005582:0.009154:0.008149:0.005406:0.007766:0.003859:0.003859:0.006459:0.005709:0.007719:0.005295:0.007894:0.006044:0.008979:0.005295:0.008819:0.007224:0.003859:0.008723:0.007894:0.008899:0.004370
at Item 4 below,  and at Note 7.4 to the accounts.:@0.096693:0.650902:0.448434:0.650902:0.448434:0.640317:0.096693:0.640317:0.007798:0.005119:0.006044:0.004035:0.005039:0.007798:0.012934:0.005630:0.008899:0.006044:0.009377:0.008085:0.003859:0.009074:0.011339:0.003461:0.004370:0.002408:0.007798:0.008564:0.008979:0.006044:0.008117:0.005231:0.006044:0.011163:0.008644:0.005039:0.007719:0.006044:0.009313:0.003859:0.009393:0.004864:0.005406:0.009122:0.005199:0.005406:0.009026:0.008149:0.005630:0.008117:0.007160:0.007368:0.009345:0.009026:0.009026:0.005406:0.006762:0.003461
Items 1  and 2: :@0.097113:0.670982:0.209686:0.670982:0.209686:0.659841:0.097113:0.659841:0.005120:0.006211:0.008561:0.014605:0.006967:0.006463:0.005624:0.004633:0.002669:0.008729:0.009820:0.009988:0.005708:0.008729:0.004113:0.004633
Liabilities from another year's worth :@0.211514:0.670858:0.468861:0.670858:0.468861:0.660273:0.211514:0.660273:0.007224:0.003859:0.007894:0.009154:0.003859:0.003859:0.003620:0.005199:0.003859:0.008149:0.006762:0.005071:0.004992:0.005550:0.009010:0.013508:0.006044:0.008117:0.009026:0.009553:0.005406:0.009026:0.008341:0.005550:0.004992:0.007463:0.008054:0.007894:0.005374:0.003668:0.006570:0.004370:0.011753:0.009648:0.005550:0.005693:0.009313:0.004370
of activity for all schemes for all  incident years are :@0.096693:0.685705:0.454446:0.685705:0.454446:0.675121:0.096693:0.675121:0.009345:0.004752:0.005199:0.008117:0.007368:0.005406:0.003620:0.007639:0.003859:0.005119:0.007719:0.004784:0.004992:0.009537:0.005550:0.005693:0.007224:0.003445:0.003445:0.006459:0.006762:0.007081:0.009026:0.008341:0.013444:0.008341:0.006762:0.005119:0.004992:0.009537:0.005550:0.005279:0.007224:0.003445:0.003445:0.004370:0.002520:0.003859:0.009026:0.007176:0.003859:0.009393:0.008341:0.009026:0.005406:0.004370:0.007719:0.008341:0.007926:0.005550:0.006762:0.005566:0.007559:0.005199:0.007798:0.004370
£8.5  billion.:@0.097113:0.700492:0.179036:0.700492:0.179036:0.689907:0.097113:0.689907:0.008819:0.008979:0.003461:0.008963:0.004370:0.002424:0.009058:0.003859:0.003524:0.003859:0.003524:0.008899:0.008723:0.003461
Item 3: :@0.097113:0.720573:0.153702:0.720573:0.153702:0.709431:0.097113:0.709431:0.004784:0.006043:0.008393:0.014185:0.006043:0.008477:0.004029:0.004633
shows a decrease of £6.9 billion due to changes :@0.155110:0.720448:0.502529:0.720448:0.502529:0.709863:0.155110:0.709863:0.006762:0.009026:0.009553:0.011530:0.007017:0.005630:0.006889:0.006459:0.009154:0.008149:0.007368:0.005311:0.008149:0.008117:0.006491:0.008149:0.006044:0.009345:0.004752:0.005630:0.009154:0.009154:0.003461:0.009218:0.006459:0.008899:0.003604:0.003604:0.003604:0.003604:0.008819:0.008564:0.006459:0.009058:0.008644:0.008054:0.005630:0.005406:0.009122:0.005199:0.007368:0.009026:0.008117:0.008803:0.009393:0.008341:0.006762:0.004370
in assumptions affecting the IBNR provision. The main :@0.097113:0.735295:0.483396:0.735295:0.483396:0.724711:0.097113:0.724711:0.003269:0.007559:0.006459:0.008117:0.006762:0.006762:0.008739:0.013731:0.009377:0.005183:0.003859:0.009345:0.009026:0.006554:0.005630:0.008117:0.004992:0.004992:0.008341:0.007368:0.005406:0.003859:0.009026:0.009393:0.005821:0.005406:0.009026:0.008069:0.006459:0.003939:0.008388:0.011084:0.008819:0.006044:0.009058:0.005374:0.008979:0.007384:0.003859:0.006459:0.003859:0.008899:0.008819:0.003461:0.006363:0.008357:0.008851:0.008341:0.005933:0.013013:0.007639:0.003859:0.008484:0.004370
drivers of this decrease are in the CNST IBNR, which  is the :@0.096693:0.750082:0.512065:0.750082:0.512065:0.739498:0.096693:0.739498:0.009058:0.005374:0.003859:0.007224:0.008054:0.005374:0.006554:0.005709:0.009345:0.004752:0.004784:0.005406:0.009026:0.003859:0.006762:0.005582:0.009154:0.008149:0.007368:0.005311:0.008149:0.008117:0.006491:0.008149:0.005630:0.007798:0.005295:0.007894:0.006379:0.003269:0.007639:0.006044:0.005406:0.009026:0.008149:0.005630:0.009872:0.011929:0.008468:0.008357:0.005693:0.004035:0.008484:0.011243:0.008899:0.003190:0.006044:0.011753:0.009313:0.003859:0.007639:0.009313:0.004370:0.002520:0.003190:0.005709:0.005199:0.005406:0.008691:0.008054:0.004370
most material component with a £6.2  billion  reduction::@0.097113:0.764929:0.490174:0.764929:0.490174:0.754345:0.097113:0.754345:0.013348:0.009058:0.006762:0.005071:0.005630:0.013348:0.007894:0.005406:0.008022:0.005374:0.003859:0.007894:0.003859:0.006379:0.007368:0.009345:0.013731:0.009377:0.009616:0.009026:0.008516:0.009026:0.005406:0.004370:0.012009:0.004035:0.005630:0.009393:0.006459:0.006889:0.006379:0.008979:0.009058:0.003461:0.009122:0.004370:0.002520:0.008899:0.003604:0.003604:0.003604:0.003604:0.008819:0.008564:0.004370:0.002424:0.005374:0.008149:0.009393:0.008739:0.007368:0.005135:0.003859:0.009074:0.009026:0.003461
•  A decrease of £5.7 billion for inflation and average :@0.097113:0.784885:0.481785:0.784885:0.481785:0.774301:0.097113:0.774301:0.006475:0.004370:0.006873:0.011243:0.005295:0.009393:0.008069:0.007368:0.005550:0.007990:0.008117:0.006570:0.008149:0.005709:0.009345:0.004752:0.006044:0.008899:0.009058:0.003461:0.009122:0.006459:0.008899:0.003604:0.003859:0.003524:0.003859:0.008723:0.008644:0.005630:0.004992:0.009537:0.005550:0.006124:0.003859:0.009026:0.004992:0.003604:0.008117:0.005231:0.003859:0.009154:0.009026:0.005996:0.007798:0.008564:0.008979:0.006459:0.008117:0.007320:0.008149:0.005550:0.007878:0.009393:0.007974:0.004370
cost assumptions.  In general, the average cost of :@0.115661:0.799733:0.467672:0.799733:0.467672:0.789148:0.115661:0.789148:0.007368:0.008915:0.006762:0.005151:0.005199:0.008117:0.006762:0.006762:0.008835:0.013731:0.009377:0.005406:0.003859:0.009170:0.009026:0.006586:0.003461:0.004370:0.002823:0.003524:0.007384:0.006459:0.009393:0.008341:0.009026:0.008341:0.005550:0.008117:0.003859:0.003461:0.005933:0.005406:0.009026:0.008149:0.006044:0.008117:0.007416:0.008341:0.005342:0.008117:0.009170:0.008341:0.005598:0.007368:0.008915:0.006762:0.005151:0.005630:0.008899:0.004784:0.004370
claims in  recent years has not risen by as much as the :@0.115661:0.814580:0.499488:0.814580:0.499488:0.803996:0.115661:0.803996:0.007129:0.003859:0.007814:0.003859:0.013348:0.006762:0.005917:0.003269:0.007639:0.004370:0.002520:0.005550:0.008133:0.007368:0.008341:0.008803:0.005406:0.004370:0.007719:0.008341:0.007910:0.005550:0.006762:0.005980:0.008644:0.007719:0.006554:0.006044:0.008819:0.008979:0.005199:0.005630:0.005199:0.003859:0.006299:0.007894:0.008564:0.006459:0.008819:0.007304:0.005295:0.007463:0.006204:0.006044:0.013508:0.008723:0.007368:0.008660:0.006044:0.007719:0.006379:0.005199:0.005406:0.008691:0.008054:0.004370
inflation assumptions made in  previous years. This :@0.115996:0.829367:0.475743:0.829367:0.475743:0.818783:0.115996:0.818783:0.003859:0.008819:0.004992:0.003652:0.008117:0.005151:0.003859:0.009074:0.009026:0.006331:0.008117:0.006570:0.006762:0.009026:0.013731:0.009377:0.005406:0.003859:0.009345:0.009026:0.006762:0.005933:0.013348:0.007798:0.009058:0.008054:0.006379:0.003269:0.007639:0.004370:0.002520:0.009058:0.005374:0.008054:0.007384:0.003859:0.008899:0.008819:0.006554:0.004784:0.007719:0.008149:0.008117:0.005550:0.006554:0.003461:0.006443:0.008357:0.008596:0.003859:0.006554:0.004370
is particularly the case for periodical payment order :@0.115996:0.844154:0.484243:0.844154:0.484243:0.833569:0.115996:0.833569:0.003190:0.005709:0.006044:0.009377:0.007830:0.005550:0.005406:0.003859:0.007368:0.009026:0.003859:0.008117:0.005550:0.003859:0.007719:0.004657:0.005406:0.009026:0.008149:0.005630:0.007129:0.007894:0.006762:0.008006:0.005295:0.004992:0.009537:0.005550:0.006124:0.009058:0.008054:0.005374:0.003859:0.008899:0.009058:0.003859:0.007049:0.007894:0.003859:0.006714:0.009377:0.008117:0.007511:0.013731:0.008341:0.008819:0.005406:0.005167:0.009058:0.005374:0.009154:0.008149:0.005374:0.004370
(PPO) damage payments which make up the majority :@0.115661:0.859001:0.498324:0.859001:0.498324:0.848417:0.115661:0.848417:0.004529:0.008484:0.008309:0.011243:0.004449:0.005630:0.009393:0.008117:0.013460:0.008117:0.009393:0.008341:0.006044:0.009377:0.007910:0.007719:0.013524:0.008341:0.009026:0.005135:0.006762:0.004736:0.011833:0.009393:0.004035:0.007639:0.009393:0.006459:0.013731:0.008117:0.007926:0.008085:0.006044:0.008309:0.008644:0.005630:0.005406:0.009026:0.008149:0.006459:0.013428:0.007798:0.003859:0.009074:0.005374:0.003859:0.005119:0.007463:0.004370
of the IBNR provision. The gross reductions in the :@0.115661:0.873848:0.470128:0.873848:0.470128:0.863264:0.115661:0.863264:0.009345:0.004752:0.004784:0.005406:0.009026:0.008149:0.006459:0.003939:0.008388:0.011084:0.008819:0.006044:0.009058:0.005374:0.008979:0.007384:0.003859:0.006459:0.003859:0.008899:0.008819:0.003461:0.006363:0.008357:0.008771:0.008341:0.005502:0.008979:0.005295:0.008899:0.006554:0.006554:0.006044:0.005550:0.008133:0.009393:0.008739:0.007368:0.005215:0.003859:0.009074:0.009026:0.006586:0.006044:0.003269:0.007639:0.006044:0.005406:0.008691:0.008054:0.004370
CNST IBNR are £4 billion for changes in  long term :@0.115661:0.888696:0.474147:0.888696:0.474147:0.878111:0.115661:0.878111:0.009872:0.011706:0.008468:0.008357:0.005917:0.003939:0.008388:0.011084:0.008819:0.005630:0.007719:0.005295:0.007894:0.006044:0.008596:0.008771:0.006044:0.008899:0.003604:0.003604:0.003604:0.003604:0.008819:0.008564:0.006044:0.004992:0.009537:0.005550:0.005279:0.007368:0.009026:0.008117:0.009026:0.009393:0.008341:0.006762:0.006012:0.003269:0.007639:0.004370:0.002424:0.003604:0.008644:0.008484:0.008723:0.006044:0.005406:0.008022:0.005374:0.013428:0.004370
inflation assumptions and  £4.5  billion for changes in :@0.115996:0.903484:0.492695:0.903484:0.492695:0.892899:0.115996:0.892899:0.003859:0.008819:0.004992:0.003652:0.008117:0.005151:0.003859:0.009074:0.009026:0.006331:0.008117:0.006570:0.006762:0.009026:0.013731:0.009377:0.005406:0.003859:0.009345:0.009026:0.006762:0.005518:0.007798:0.008564:0.008979:0.004370:0.002520:0.008819:0.008979:0.003461:0.008963:0.004370:0.002424:0.008899:0.003604:0.003859:0.003524:0.003859:0.008723:0.008644:0.005630:0.004992:0.009537:0.005550:0.005693:0.007368:0.009026:0.008117:0.008803:0.009393:0.008341:0.006762:0.005885:0.003110:0.007384:0.004370
the average cost per claim assumptions.  However, an :@0.115241:0.918568:0.496724:0.918568:0.496724:0.907983:0.115241:0.907983:0.005406:0.009026:0.008149:0.005630:0.008117:0.007416:0.008341:0.005342:0.008117:0.009393:0.008085:0.006044:0.007368:0.008915:0.006762:0.005151:0.005630:0.008979:0.007894:0.005295:0.005199:0.007129:0.003859:0.007719:0.003859:0.013268:0.006459:0.008117:0.006762:0.006762:0.008835:0.013731:0.009377:0.005406:0.003859:0.009170:0.009026:0.006586:0.003461:0.004370:0.003253:0.011084:0.009058:0.011243:0.008054:0.007463:0.008054:0.005374:0.003461:0.006283:0.007463:0.008309:0.004370
adjustment has been  made to short-term  inflation :@0.115661:0.933415:0.474913:0.933415:0.474913:0.922831:0.115661:0.922831:0.008117:0.009600:0.003859:0.009026:0.006762:0.005406:0.013731:0.008341:0.009026:0.005406:0.005677:0.008723:0.007719:0.006554:0.006044:0.008979:0.007894:0.007894:0.008644:0.004370:0.002520:0.013428:0.007894:0.009393:0.007974:0.005199:0.005406:0.009122:0.005630:0.006762:0.008676:0.009058:0.005550:0.005199:0.006204:0.005406:0.008101:0.005374:0.013428:0.004370:0.002424:0.003859:0.008819:0.004784:0.003859:0.007814:0.005199:0.003859:0.008979:0.008819:0.004370
assumptions in line with current economic conditions. :@0.115661:0.948262:0.502454:0.948262:0.502454:0.937678:0.115661:0.937678:0.008117:0.006762:0.006762:0.009026:0.013731:0.009154:0.005406:0.003859:0.009345:0.008835:0.006762:0.005661:0.003365:0.007974:0.006379:0.003604:0.003859:0.008484:0.007894:0.004784:0.011913:0.004035:0.005709:0.009393:0.006459:0.007368:0.009026:0.005550:0.005550:0.008341:0.008739:0.005406:0.005582:0.008341:0.007368:0.009345:0.009026:0.009345:0.013731:0.003859:0.007368:0.005311:0.007368:0.009090:0.009026:0.009393:0.003652:0.005406:0.003652:0.009345:0.009026:0.006475:0.003461:0.004370
This has increased the CNST IBNR by £2.8 billion.:@0.115241:0.963050:0.462676:0.963050:0.462676:0.952466:0.115241:0.952466:0.008357:0.008596:0.003859:0.006554:0.006044:0.008723:0.007719:0.006554:0.006044:0.003859:0.008564:0.007049:0.005374:0.008149:0.007798:0.006554:0.008054:0.009058:0.006044:0.005406:0.009026:0.008149:0.006044:0.009872:0.011706:0.008468:0.008357:0.005502:0.003939:0.008484:0.011243:0.008979:0.005630:0.008819:0.007304:0.005630:0.009058:0.009234:0.003700:0.009058:0.006044:0.009058:0.003859:0.003524:0.003859:0.003524:0.008899:0.008644:0.003461
•  A decrease of £2.3  billion as a result of removing :@0.536998:0.541982:0.907589:0.541982:0.907589:0.531398:0.536998:0.531398:0.006475:0.004370:0.006873:0.011243:0.005630:0.009154:0.008149:0.007368:0.005311:0.008149:0.008117:0.006491:0.008149:0.006044:0.009345:0.004752:0.005630:0.008979:0.009058:0.003461:0.009122:0.004370:0.002520:0.008899:0.003859:0.003445:0.003604:0.003604:0.008723:0.008484:0.006459:0.007719:0.006379:0.005630:0.006889:0.006459:0.005374:0.008054:0.006762:0.008676:0.003859:0.005119:0.005199:0.009345:0.004752:0.006044:0.005374:0.007974:0.013173:0.008899:0.007304:0.003859:0.008564:0.008979:0.004370
the risk and uncertainty margin.  NHS Resolution  has :@0.555128:0.556830:0.931014:0.556830:0.931014:0.546245:0.555128:0.546245:0.005406:0.009026:0.008149:0.006459:0.005295:0.003859:0.006299:0.007559:0.005630:0.007798:0.008564:0.008979:0.006459:0.009026:0.009026:0.007639:0.008341:0.005550:0.005406:0.008117:0.003859:0.009266:0.005406:0.007719:0.005677:0.013731:0.007926:0.005550:0.009138:0.003859:0.008819:0.003461:0.004370:0.002743:0.011084:0.010494:0.007894:0.006379:0.009154:0.007974:0.006554:0.009058:0.003859:0.008644:0.005406:0.003652:0.009058:0.008819:0.004370:0.002424:0.008564:0.007639:0.006379:0.004370
been continually refining  its reserving  methodology.:@0.555968:0.571677:0.922237:0.571677:0.922237:0.561093:0.555968:0.561093:0.008979:0.007894:0.007894:0.008644:0.006459:0.007368:0.009345:0.009313:0.005406:0.003859:0.009026:0.009026:0.008117:0.003859:0.003859:0.007719:0.005693:0.005295:0.007974:0.004992:0.003652:0.008723:0.003859:0.008723:0.009154:0.004370:0.002520:0.003524:0.004864:0.006124:0.006044:0.005295:0.007974:0.006554:0.007974:0.005374:0.007384:0.003859:0.008564:0.009058:0.004370:0.002424:0.013428:0.008054:0.005199:0.008723:0.008979:0.009058:0.008979:0.003859:0.008899:0.009058:0.007463:0.003461
This is to develop a best estimate of the provision.:@0.555145:0.586465:0.910299:0.586465:0.910299:0.575881:0.555145:0.575881:0.008357:0.008851:0.003859:0.006762:0.005661:0.003365:0.005869:0.004864:0.005406:0.009122:0.005630:0.009154:0.008054:0.007463:0.008149:0.003859:0.008979:0.009154:0.006044:0.006794:0.006459:0.008979:0.007974:0.006554:0.005119:0.005630:0.008341:0.006762:0.005215:0.003859:0.013508:0.008117:0.005231:0.008341:0.005933:0.009345:0.004752:0.004784:0.005406:0.009026:0.008149:0.006459:0.009058:0.005295:0.008979:0.007384:0.003859:0.006379:0.003859:0.008819:0.008723:0.003461
We seek to address the risk and uncertainty in the :@0.554809:0.601313:0.916119:0.601313:0.916119:0.590728:0.554809:0.590728:0.015198:0.008564:0.005630:0.006762:0.008341:0.008149:0.007926:0.005087:0.005119:0.008979:0.005630:0.008117:0.009090:0.009154:0.005550:0.008133:0.006554:0.006762:0.004657:0.005406:0.009026:0.008149:0.006459:0.005295:0.003859:0.006299:0.007559:0.005630:0.007798:0.008564:0.008979:0.006459:0.009026:0.009026:0.007639:0.008341:0.005550:0.005406:0.008117:0.003859:0.009266:0.005406:0.007719:0.005677:0.003269:0.007559:0.006044:0.005406:0.008691:0.008054:0.004370
provision through the discussion of sensitivities and :@0.555985:0.616100:0.924135:0.616100:0.924135:0.605516:0.555985:0.605516:0.009058:0.005295:0.008899:0.007304:0.003859:0.006379:0.003859:0.008723:0.008644:0.006044:0.005406:0.009026:0.005550:0.009138:0.009026:0.009393:0.009026:0.005454:0.005406:0.009026:0.008149:0.006044:0.009058:0.003859:0.006459:0.007049:0.008819:0.006554:0.006762:0.003652:0.009058:0.008819:0.006459:0.009345:0.004752:0.005295:0.006762:0.008341:0.008739:0.006762:0.003652:0.005406:0.003859:0.007352:0.003859:0.005199:0.003859:0.008054:0.006762:0.005582:0.007639:0.008484:0.008819:0.004370
reasonable range in  Note 7.3 to the accounts.:@0.555985:0.630888:0.881332:0.630888:0.881332:0.620304:0.555985:0.620304:0.005550:0.008133:0.008117:0.006762:0.009042:0.009026:0.007846:0.009377:0.003636:0.008341:0.005933:0.005374:0.008117:0.008676:0.009393:0.007974:0.006459:0.003269:0.007559:0.004370:0.002520:0.011243:0.008819:0.005119:0.007798:0.005709:0.009058:0.003700:0.008979:0.006044:0.005119:0.008979:0.005199:0.005406:0.009026:0.008149:0.006044:0.008117:0.007368:0.007176:0.009345:0.009026:0.008819:0.005406:0.006762:0.003461
•  A decrease of £0.2  billion for the change in assumption :@0.536998:0.650903:0.955257:0.650903:0.955257:0.640318:0.536998:0.640318:0.006475:0.004370:0.006873:0.011243:0.005630:0.009154:0.008149:0.007368:0.005311:0.008149:0.008117:0.006491:0.008149:0.006044:0.009345:0.004752:0.005630:0.008979:0.009058:0.003461:0.009122:0.004370:0.002520:0.008899:0.003859:0.003445:0.003604:0.003604:0.008723:0.008484:0.006044:0.004992:0.009537:0.005550:0.004944:0.005406:0.009202:0.008341:0.005677:0.007368:0.009026:0.008117:0.009026:0.009393:0.008341:0.005885:0.003269:0.007639:0.006459:0.008117:0.006570:0.006762:0.008771:0.013508:0.009377:0.005151:0.003859:0.009154:0.009026:0.004370
for projected number of successful claims. This :@0.555128:0.665750:0.892261:0.665750:0.892261:0.655166:0.555128:0.655166:0.004992:0.009537:0.005550:0.006124:0.009058:0.005374:0.009058:0.003859:0.007974:0.007129:0.005406:0.007942:0.009058:0.006459:0.009026:0.009026:0.013731:0.009090:0.008341:0.005550:0.005661:0.009345:0.004752:0.005199:0.006762:0.008771:0.007368:0.007368:0.008101:0.006762:0.006586:0.004992:0.008851:0.003859:0.006379:0.007368:0.003859:0.007735:0.003859:0.013428:0.006762:0.003461:0.006315:0.008054:0.008644:0.003859:0.006379:0.004370
includes refinements to the methodology in  respect:@0.555968:0.680538:0.922492:0.680538:0.922492:0.669954:0.555968:0.669954:0.003859:0.009026:0.007097:0.003859:0.008819:0.009393:0.008069:0.006762:0.005582:0.005550:0.008341:0.004992:0.003859:0.009026:0.008341:0.013731:0.008341:0.009026:0.005406:0.006762:0.005263:0.005406:0.009122:0.005199:0.005406:0.009026:0.008149:0.006044:0.013731:0.008341:0.005406:0.009026:0.009074:0.009393:0.009154:0.003859:0.009345:0.009393:0.007527:0.005630:0.003269:0.007639:0.004370:0.002520:0.005295:0.007974:0.006554:0.009058:0.007974:0.007129:0.005406
of estimating the number of potential  PPOs. We :@0.555565:0.695385:0.902266:0.695385:0.902266:0.684801:0.555565:0.684801:0.009345:0.004752:0.005630:0.008341:0.006762:0.005119:0.003859:0.013508:0.008117:0.005231:0.003859:0.009026:0.009106:0.006044:0.005406:0.009026:0.008149:0.006044:0.009026:0.009026:0.013731:0.009090:0.008341:0.005550:0.005661:0.009345:0.004752:0.005630:0.009058:0.009058:0.005406:0.008101:0.008819:0.005406:0.003859:0.007766:0.003859:0.004370:0.002759:0.008229:0.008309:0.011084:0.006299:0.003190:0.006044:0.014895:0.008341:0.004370
separately project claims that are expected to be :@0.555565:0.710172:0.903973:0.710172:0.903973:0.699588:0.555565:0.699588:0.006762:0.008341:0.009154:0.008117:0.005550:0.008117:0.005406:0.008341:0.003859:0.007719:0.005598:0.009377:0.005231:0.009058:0.003859:0.007974:0.007368:0.005055:0.005630:0.007368:0.003620:0.007894:0.003859:0.013348:0.006762:0.005151:0.005406:0.009361:0.008309:0.005406:0.005342:0.007719:0.005295:0.007894:0.006044:0.008054:0.007320:0.009042:0.008341:0.007017:0.005406:0.008101:0.009154:0.006044:0.005406:0.009122:0.006044:0.008309:0.007384:0.004370
notified under the  EN Scheme, as this scheme is :@0.555985:0.725020:0.901219:0.725020:0.901219:0.714435:0.555985:0.714435:0.009026:0.009026:0.005406:0.003652:0.004992:0.003859:0.008022:0.009393:0.006634:0.009026:0.008771:0.009393:0.008069:0.005550:0.004768:0.005406:0.009026:0.008069:0.004370:0.002520:0.006969:0.010318:0.006044:0.008468:0.007368:0.009026:0.008341:0.013731:0.008341:0.003461:0.006570:0.007719:0.006379:0.005199:0.005406:0.008771:0.003859:0.006554:0.005630:0.006762:0.007081:0.009026:0.008101:0.013731:0.008085:0.006459:0.003110:0.005374:0.004370
expected to accelerate the reporting of many PPO :@0.555565:0.739867:0.914434:0.739867:0.914434:0.729283:0.555565:0.729283:0.008341:0.007320:0.009010:0.008341:0.007097:0.005406:0.008101:0.009393:0.005885:0.005119:0.008979:0.005630:0.008117:0.007368:0.007368:0.008532:0.003859:0.008341:0.005550:0.008117:0.005406:0.008341:0.005119:0.005406:0.009026:0.008149:0.006044:0.005550:0.007958:0.009154:0.009058:0.005374:0.005406:0.003652:0.008723:0.009154:0.006459:0.009345:0.004752:0.005630:0.013731:0.007926:0.009026:0.007719:0.005917:0.007974:0.007974:0.010653:0.004370
claims. This refinement reduces the IBNR but is offset :@0.555565:0.754951:0.937510:0.754951:0.937510:0.744366:0.555565:0.744366:0.007368:0.003859:0.007735:0.003859:0.013428:0.006762:0.003461:0.006315:0.008357:0.008596:0.003859:0.006554:0.006044:0.005550:0.008341:0.004992:0.003859:0.009026:0.008516:0.013731:0.008516:0.009026:0.005406:0.006044:0.005374:0.008054:0.009154:0.008819:0.007129:0.008054:0.006762:0.005071:0.005406:0.009026:0.008149:0.006044:0.003939:0.008484:0.011243:0.008979:0.005630:0.009377:0.008676:0.005406:0.005582:0.003190:0.005630:0.005630:0.009345:0.004992:0.004992:0.006762:0.008069:0.005406:0.004370
by an  increase in the number of assumed PPOs for non- :@0.555985:0.769798:0.956063:0.769798:0.956063:0.759214:0.555985:0.759214:0.008644:0.007049:0.005295:0.007639:0.008484:0.004370:0.002424:0.003859:0.008723:0.007129:0.005374:0.008341:0.007782:0.006762:0.008006:0.006044:0.003269:0.007639:0.006044:0.005406:0.009026:0.008149:0.006044:0.009026:0.009026:0.013731:0.009090:0.008341:0.005550:0.005247:0.009345:0.005183:0.005199:0.008117:0.006411:0.006762:0.008676:0.013508:0.008149:0.009393:0.006730:0.008149:0.008309:0.011084:0.006299:0.005199:0.004992:0.009537:0.005550:0.005693:0.008564:0.008819:0.008484:0.006044:0.004370
EN claims, following recent claims reporting experience. :@0.556404:0.784586:0.954808:0.784586:0.954808:0.774002:0.556404:0.774002:0.006969:0.010318:0.006044:0.007368:0.003859:0.007830:0.003859:0.013731:0.006762:0.003461:0.005502:0.004992:0.009537:0.003859:0.004035:0.009345:0.011722:0.003859:0.009234:0.009393:0.006554:0.005550:0.008341:0.007176:0.008341:0.009026:0.005135:0.005199:0.007368:0.003620:0.007894:0.003859:0.013348:0.006762:0.005486:0.005550:0.007958:0.009154:0.009058:0.005374:0.005406:0.003652:0.008723:0.009154:0.006044:0.008341:0.007320:0.009106:0.008341:0.005550:0.003859:0.008101:0.009026:0.007176:0.008341:0.003461:0.004370
Taken together, the assumed number of claims :@0.555145:0.799433:0.893299:0.799433:0.893299:0.788849:0.555145:0.788849:0.007974:0.007719:0.007639:0.007974:0.008644:0.006044:0.005406:0.009345:0.009170:0.008149:0.005406:0.008771:0.008149:0.005550:0.003269:0.006044:0.005406:0.009026:0.008149:0.005630:0.008117:0.006411:0.006762:0.008676:0.013508:0.008149:0.009393:0.006730:0.009026:0.009026:0.013731:0.009090:0.008341:0.005550:0.005661:0.009345:0.004752:0.005199:0.007368:0.003620:0.007894:0.003859:0.013348:0.006762:0.004370
increases the CNST IBNR by £1.6 billion. Also included :@0.555985:0.814220:0.943926:0.814220:0.943926:0.803636:0.555985:0.803636:0.003859:0.009026:0.007001:0.005550:0.008133:0.007894:0.006762:0.008006:0.006762:0.005071:0.005406:0.009026:0.008149:0.005630:0.009872:0.011929:0.008468:0.008357:0.005693:0.003939:0.008388:0.011084:0.008819:0.006044:0.008644:0.007049:0.005709:0.009154:0.009154:0.003461:0.009218:0.006459:0.008979:0.003859:0.003604:0.003859:0.003859:0.008819:0.008819:0.003461:0.005933:0.010286:0.004067:0.006762:0.009345:0.006140:0.003859:0.008644:0.007049:0.003859:0.008564:0.009058:0.007974:0.009058:0.004370
in this impact is the change in the assumed  probability :@0.555985:0.829007:0.947578:0.829007:0.947578:0.818423:0.555985:0.818423:0.003365:0.007894:0.005709:0.005406:0.009026:0.003859:0.006762:0.005502:0.003859:0.013731:0.009186:0.008117:0.007368:0.005406:0.005550:0.003365:0.005869:0.004864:0.005406:0.009026:0.008149:0.006044:0.007368:0.009026:0.008117:0.009026:0.009393:0.008341:0.005885:0.003269:0.007639:0.006044:0.005406:0.009026:0.008149:0.006044:0.007894:0.006554:0.006762:0.008596:0.013428:0.008054:0.009154:0.004370:0.002424:0.009154:0.005374:0.009058:0.009154:0.007798:0.009154:0.003859:0.003859:0.003620:0.005406:0.007352:0.004370
of the claims settling with damages payable -  which :@0.555565:0.843914:0.931833:0.843914:0.931833:0.833329:0.555565:0.833329:0.009345:0.004752:0.005295:0.005406:0.009026:0.008069:0.005709:0.007368:0.003859:0.007830:0.003859:0.013428:0.006762:0.005582:0.006459:0.008054:0.005199:0.005406:0.003652:0.003859:0.008644:0.009058:0.005709:0.011833:0.003859:0.005630:0.009234:0.006459:0.009393:0.008117:0.013540:0.008117:0.009393:0.008341:0.006762:0.006076:0.009058:0.007798:0.007463:0.007894:0.009058:0.003859:0.007974:0.005295:0.006379:0.002440:0.004035:0.011530:0.009377:0.003859:0.007559:0.009234:0.004370
by itself decreases the CNST IBNR by £1.8 billion.:@0.555985:0.859294:0.902670:0.859294:0.902670:0.848710:0.555985:0.848710:0.008644:0.007049:0.006044:0.003859:0.005119:0.006762:0.007926:0.003859:0.004705:0.005295:0.009393:0.007974:0.007368:0.005550:0.008069:0.008117:0.006762:0.008117:0.006762:0.005151:0.005406:0.009026:0.008149:0.005630:0.009872:0.011706:0.008468:0.008357:0.005917:0.003939:0.008388:0.011084:0.008819:0.006044:0.008644:0.007049:0.005709:0.009154:0.009154:0.003461:0.009218:0.006459:0.008819:0.003859:0.003524:0.003859:0.003524:0.008819:0.008644:0.003461