74:@0.048407:0.056159:0.063199:0.056159:0.063199:0.047246:0.048407:0.047246:0.007059:0.007732
Corporate governance report:@0.675267:0.058552:0.905122:0.058552:0.905122:0.047968:0.675267:0.047968:0.010427:0.010171:0.006563:0.010331:0.010171:0.006643:0.008910:0.006467:0.008990:0.005301:0.010427:0.010251:0.009070:0.009070:0.006643:0.010171:0.008990:0.010171:0.008064:0.009070:0.006052:0.006355:0.008862:0.010092:0.009756:0.006627:0.006211
Remuneration and Terms of Service Committee:@0.048828:0.103397:0.454341:0.103397:0.454341:0.092256:0.048828:0.092256:0.011850:0.009749:0.016640:0.011009:0.011009:0.009833:0.007227:0.009749:0.007059:0.005211:0.011093:0.011009:0.006387:0.009581:0.010841:0.011093:0.006471:0.010085:0.009329:0.006891:0.015716:0.007396:0.006219:0.010841:0.006891:0.006471:0.010085:0.009665:0.007227:0.009665:0.005126:0.008656:0.009665:0.006471:0.011261:0.011009:0.016472:0.016472:0.005126:0.007059:0.007059:0.009749:0.009093
The Remuneration and Terms of Service Committee :@0.047987:0.125246:0.418902:0.125246:0.418902:0.114662:0.047987:0.114662:0.008367:0.008862:0.008351:0.006690:0.009549:0.008351:0.013445:0.008830:0.009038:0.008112:0.005557:0.008128:0.005142:0.003864:0.009165:0.009038:0.006259:0.007808:0.008655:0.008990:0.006052:0.007984:0.007904:0.005301:0.013110:0.006467:0.005205:0.009357:0.004758:0.005637:0.008239:0.008160:0.005381:0.007473:0.003864:0.007138:0.008160:0.005637:0.010092:0.009357:0.013924:0.013748:0.003864:0.005413:0.005413:0.008351:0.008351:0.004375
is a  non-executive committee, the role of which :@0.048828:0.140628:0.391208:0.140628:0.391208:0.130044:0.048828:0.130044:0.003194:0.005637:0.005716:0.006802:0.004375:0.002523:0.009038:0.009357:0.008670:0.006387:0.008160:0.007329:0.008048:0.007377:0.008846:0.005413:0.003657:0.007649:0.008064:0.006052:0.007377:0.009357:0.013940:0.013748:0.003864:0.005413:0.005413:0.008543:0.008351:0.003465:0.006084:0.005413:0.009038:0.008160:0.006052:0.005205:0.008734:0.003609:0.007808:0.005637:0.009357:0.004758:0.004870:0.011545:0.009293:0.003864:0.007569:0.009245:0.004375
includes the determination of the remuneration, :@0.048828:0.156010:0.395711:0.156010:0.395711:0.145426:0.048828:0.145426:0.003864:0.008734:0.007138:0.003864:0.008830:0.009405:0.007984:0.006770:0.005078:0.005413:0.009038:0.008160:0.006052:0.009405:0.008160:0.005413:0.008351:0.005557:0.013748:0.003864:0.008862:0.008128:0.005413:0.003864:0.009357:0.009038:0.006132:0.009357:0.004758:0.005205:0.005413:0.009038:0.008160:0.006052:0.005557:0.008351:0.013748:0.009038:0.009038:0.008351:0.005557:0.008128:0.005413:0.003864:0.009357:0.009038:0.003465:0.004375
benefits and terms of service of all  posts covered :@0.048828:0.171688:0.398888:0.171688:0.398888:0.161103:0.048828:0.161103:0.009389:0.008175:0.009038:0.008351:0.004710:0.003864:0.005413:0.006770:0.005557:0.007808:0.008655:0.008990:0.006052:0.005413:0.008351:0.005557:0.013461:0.006770:0.005589:0.009357:0.004758:0.005301:0.006770:0.008016:0.005381:0.007473:0.003864:0.007138:0.008160:0.005637:0.009357:0.004758:0.005637:0.007233:0.003449:0.003449:0.004375:0.002523:0.008910:0.008910:0.006467:0.005126:0.006467:0.005637:0.007058:0.008910:0.007313:0.007984:0.005381:0.007984:0.008990:0.004375
by the  Pay Framework for Executive and Senior :@0.048828:0.187070:0.388126:0.187070:0.388126:0.176485:0.048828:0.176485:0.008655:0.007058:0.004870:0.005413:0.009038:0.008080:0.004375:0.002523:0.008160:0.007393:0.007058:0.006052:0.007984:0.005557:0.008128:0.014052:0.008575:0.011545:0.009629:0.005557:0.007936:0.004918:0.004998:0.009549:0.005557:0.006547:0.008080:0.007042:0.008351:0.007026:0.009038:0.005158:0.003864:0.007393:0.008160:0.006052:0.007808:0.008655:0.008990:0.006052:0.008479:0.008160:0.009038:0.003657:0.009165:0.005557:0.004375
Managers (ESM). All  meetings were quorate.:@0.049248:0.202511:0.366064:0.202511:0.366064:0.191927:0.049248:0.191927:0.014339:0.008128:0.009038:0.007824:0.009405:0.008351:0.005557:0.006770:0.005557:0.004822:0.007872:0.008479:0.014339:0.004822:0.003289:0.006052:0.010299:0.003657:0.003864:0.004375:0.002427:0.013525:0.008160:0.008160:0.005413:0.003864:0.008702:0.009405:0.006483:0.004870:0.011928:0.008734:0.005557:0.008814:0.005637:0.009405:0.009038:0.009357:0.005317:0.008128:0.005237:0.008351:0.003465
People Committee:@0.048828:0.228531:0.205580:0.228531:0.205580:0.217389:0.048828:0.217389:0.010925:0.009665:0.010841:0.011093:0.005042:0.009665:0.006471:0.011345:0.010925:0.016472:0.016472:0.005126:0.006975:0.006975:0.009665:0.009093
This Committee was established  in 2021/22 to support :@0.047987:0.250083:0.444163:0.250083:0.444163:0.239499:0.047987:0.239499:0.008367:0.008686:0.003864:0.006563:0.005637:0.010092:0.009357:0.014004:0.013748:0.004072:0.005413:0.005589:0.008351:0.008351:0.005317:0.012104:0.008575:0.007138:0.005637:0.008160:0.006770:0.005158:0.008128:0.009022:0.003864:0.003864:0.006387:0.008830:0.008160:0.009165:0.004375:0.002523:0.003273:0.007569:0.006467:0.008607:0.008958:0.008830:0.008910:0.006227:0.008990:0.008830:0.005637:0.005413:0.009134:0.005637:0.006770:0.008862:0.009389:0.009102:0.009165:0.005557:0.005205:0.004375
the Board and the Accounting Officer by reviewing :@0.047987:0.265465:0.415021:0.265465:0.415021:0.254881:0.047987:0.254881:0.005413:0.009038:0.008160:0.006467:0.008734:0.008830:0.007728:0.005301:0.008910:0.006467:0.007808:0.008575:0.008990:0.005716:0.005413:0.009038:0.008080:0.005301:0.010507:0.007377:0.007377:0.009533:0.009038:0.009038:0.005700:0.003864:0.009038:0.009629:0.006387:0.012040:0.005190:0.004998:0.003864:0.007377:0.008559:0.005557:0.005700:0.008655:0.007058:0.006052:0.005381:0.008160:0.007473:0.003864:0.008160:0.011257:0.003864:0.008830:0.009165:0.004375
the comprehensiveness and  reliability of assurances in :@0.047987:0.281144:0.434837:0.281144:0.434837:0.270559:0.047987:0.270559:0.005413:0.009038:0.008160:0.006052:0.007377:0.009357:0.013748:0.009389:0.005349:0.008351:0.009038:0.008160:0.009038:0.006595:0.003864:0.007649:0.008160:0.009038:0.008351:0.006563:0.006770:0.005589:0.007808:0.008655:0.008990:0.004375:0.002427:0.005381:0.008064:0.003864:0.003864:0.007728:0.009165:0.003864:0.003864:0.003625:0.005205:0.007728:0.005046:0.009357:0.004758:0.005637:0.008128:0.006770:0.006770:0.009038:0.005557:0.007936:0.009038:0.007185:0.008351:0.006770:0.005972:0.003114:0.007393:0.004375
relation to its people strategies and activities.  The first :@0.048828:0.296585:0.436125:0.296585:0.436125:0.286001:0.048828:0.286001:0.005381:0.007984:0.003864:0.007649:0.005205:0.003864:0.008910:0.008734:0.006052:0.005413:0.009134:0.006052:0.003529:0.004870:0.006132:0.006052:0.009070:0.007984:0.008990:0.009070:0.003864:0.007824:0.006052:0.006770:0.005413:0.005301:0.008128:0.005158:0.008160:0.009405:0.003625:0.008351:0.006770:0.005557:0.007808:0.008575:0.008990:0.006467:0.008128:0.007090:0.005413:0.003864:0.007361:0.003864:0.005205:0.003864:0.008160:0.006770:0.003225:0.004375:0.002427:0.008367:0.008862:0.008351:0.005094:0.004998:0.003864:0.005557:0.006515:0.005413:0.004375
meeting of this committee was held  in  March 2022.:@0.048828:0.312026:0.418209:0.312026:0.418209:0.301442:0.048828:0.301442:0.013365:0.008160:0.008160:0.005413:0.003864:0.008702:0.009405:0.006227:0.009357:0.004758:0.004870:0.005413:0.008782:0.003864:0.006563:0.005637:0.007377:0.009181:0.013748:0.013748:0.003864:0.005413:0.005413:0.008351:0.008351:0.005237:0.012104:0.008575:0.007138:0.006052:0.008495:0.007728:0.003609:0.008830:0.004375:0.002523:0.003273:0.007569:0.004375:0.002938:0.013780:0.007728:0.005301:0.007138:0.008734:0.006467:0.008910:0.008990:0.008990:0.009070:0.003465
Reserving and Pricing Committee:@0.048828:0.337748:0.334163:0.337748:0.334163:0.326606:0.048828:0.326606:0.011850:0.009665:0.007900:0.009665:0.007227:0.009665:0.005126:0.010841:0.011177:0.006807:0.009581:0.010841:0.011093:0.006807:0.010589:0.006690:0.005076:0.008320:0.004958:0.010505:0.010757:0.006891:0.011261:0.011009:0.016472:0.016472:0.005126:0.007059:0.007059:0.009749:0.009093
I chair the  Reserving and  Pricing Committee (RPC) :@0.048828:0.359538:0.407479:0.359538:0.407479:0.348954:0.048828:0.348954:0.001597:0.006467:0.007377:0.009038:0.008128:0.003864:0.005557:0.004774:0.005413:0.009038:0.008080:0.004375:0.002523:0.009165:0.007904:0.006467:0.007904:0.005301:0.007313:0.003864:0.008495:0.008990:0.006387:0.007808:0.008655:0.008990:0.004375:0.002858:0.008399:0.005205:0.003609:0.006978:0.003609:0.008575:0.008830:0.006467:0.009884:0.009533:0.013956:0.013748:0.004072:0.005413:0.005589:0.008351:0.008351:0.005828:0.004822:0.009213:0.008655:0.009660:0.004822:0.004375
with membership comprised of the Director of :@0.047567:0.375217:0.383991:0.375217:0.383991:0.364632:0.047567:0.364632:0.011928:0.004040:0.005716:0.009405:0.006467:0.013525:0.008351:0.013493:0.009389:0.008175:0.005557:0.006547:0.009038:0.003864:0.009197:0.006052:0.007138:0.009165:0.013445:0.009165:0.005557:0.003864:0.006467:0.008160:0.009405:0.005892:0.009357:0.005190:0.004790:0.005413:0.009038:0.008160:0.006052:0.011002:0.003864:0.005381:0.008351:0.007026:0.005413:0.009134:0.005557:0.005205:0.009357:0.004758:0.004375
Finance and Corporate  Planning,  Director of Claims,:@0.048828:0.390658:0.418497:0.390658:0.418497:0.380074:0.048828:0.380074:0.007792:0.003641:0.009038:0.007936:0.009038:0.007185:0.008351:0.005509:0.007808:0.008575:0.008990:0.006467:0.009884:0.009533:0.005557:0.009389:0.009357:0.005557:0.008383:0.005413:0.008351:0.004375:0.002443:0.008942:0.003864:0.007952:0.009038:0.008702:0.003864:0.008830:0.009405:0.003194:0.004375:0.002427:0.011002:0.003864:0.005301:0.008351:0.007026:0.005413:0.008958:0.005381:0.005637:0.009357:0.004758:0.005205:0.009884:0.004072:0.008128:0.003864:0.014068:0.006770:0.003465
Plead of Reserving and  Pricing and a non-executive :@0.049248:0.406040:0.414621:0.406040:0.414621:0.395456:0.049248:0.395456:0.007984:0.003529:0.007649:0.007313:0.008575:0.006052:0.009357:0.004758:0.006467:0.009165:0.007984:0.006563:0.007984:0.005301:0.007313:0.003864:0.008575:0.008990:0.006467:0.007808:0.008655:0.008990:0.004375:0.002427:0.008399:0.005205:0.003609:0.006978:0.003609:0.008575:0.008830:0.006467:0.007808:0.008575:0.008990:0.006467:0.006802:0.006467:0.009038:0.009038:0.008830:0.006387:0.008351:0.007106:0.008351:0.007201:0.009038:0.005158:0.003864:0.007649:0.008064:0.004375
director.  From January 2022 the committee's :@0.048407:0.421422:0.369966:0.421422:0.369966:0.410837:0.048407:0.410837:0.008990:0.003864:0.005126:0.007904:0.007058:0.005126:0.008990:0.005301:0.003273:0.004375:0.002938:0.007393:0.005205:0.008734:0.012950:0.005205:0.005972:0.008128:0.009357:0.009245:0.008128:0.005732:0.007904:0.005301:0.008990:0.009070:0.008910:0.008910:0.005637:0.005413:0.009038:0.008160:0.006052:0.007377:0.009181:0.013525:0.013445:0.003864:0.005413:0.005174:0.008351:0.008032:0.003673:0.006770:0.004375
membership has been augmented by an  independent :@0.048828:0.436802:0.435614:0.436802:0.435614:0.426218:0.048828:0.426218:0.013525:0.008351:0.013493:0.009389:0.008175:0.005557:0.006547:0.009038:0.003864:0.009197:0.006387:0.008734:0.007728:0.006563:0.005637:0.008910:0.007984:0.007984:0.008655:0.006387:0.008128:0.008846:0.009405:0.013748:0.008351:0.009038:0.005413:0.008351:0.009405:0.006467:0.008655:0.007058:0.005716:0.007393:0.008319:0.004375:0.002427:0.003864:0.009038:0.009405:0.008351:0.009181:0.008351:0.009038:0.009405:0.008351:0.008814:0.005413:0.004375
member.  The committee is attended  by our actuarial :@0.048828:0.452183:0.425618:0.452183:0.425618:0.441599:0.048828:0.441599:0.013285:0.007984:0.013189:0.008990:0.008064:0.005301:0.003273:0.004375:0.002523:0.008367:0.008782:0.008351:0.005509:0.007377:0.009181:0.013748:0.013748:0.003864:0.005413:0.005413:0.008351:0.008351:0.006068:0.003369:0.005876:0.005301:0.008128:0.005237:0.005413:0.008351:0.008766:0.009405:0.008351:0.009213:0.004375:0.002523:0.008655:0.007058:0.005301:0.009165:0.008830:0.005381:0.005637:0.008128:0.007170:0.005413:0.008782:0.008128:0.005317:0.003864:0.007904:0.003864:0.004375
advisers, the Government Actuary's Department.:@0.048407:0.467862:0.393438:0.467862:0.393438:0.457278:0.048407:0.457278:0.008128:0.009181:0.007473:0.003864:0.006563:0.008351:0.005349:0.006770:0.003225:0.006052:0.005413:0.009038:0.008160:0.006387:0.010954:0.009549:0.007649:0.008575:0.005557:0.009325:0.013956:0.008575:0.009038:0.005589:0.004375:0.010299:0.007377:0.005605:0.009038:0.008128:0.005780:0.007728:0.003673:0.007010:0.005637:0.011002:0.008351:0.009389:0.008128:0.005557:0.005413:0.013748:0.008160:0.009038:0.005413:0.003465
The Committee meets regularly in order to::@0.047987:0.493645:0.421330:0.493645:0.421330:0.482504:0.047987:0.482504:0.010673:0.011009:0.009833:0.006387:0.011177:0.011009:0.016556:0.016556:0.005126:0.007059:0.007059:0.009749:0.009749:0.006471:0.016640:0.009749:0.009833:0.006975:0.007984:0.006471:0.007312:0.009833:0.011261:0.011009:0.005126:0.009833:0.007312:0.005126:0.009833:0.006471:0.004538:0.009581:0.006807:0.011009:0.007227:0.011177:0.009749:0.007227:0.005295:0.006723:0.010270:0.004555
•  set the methodology and assumptions :@0.048828:0.515495:0.344438:0.515495:0.344438:0.504910:0.048828:0.504910:0.006483:0.004375:0.007712:0.006563:0.007984:0.005205:0.005205:0.005413:0.009038:0.008160:0.006052:0.013748:0.008351:0.005413:0.009038:0.009086:0.009405:0.009165:0.003864:0.009357:0.009405:0.007537:0.005301:0.007808:0.008575:0.008990:0.006467:0.008128:0.006770:0.006770:0.008750:0.013748:0.009197:0.005413:0.003864:0.009357:0.008766:0.006770:0.004375
for calculating the value of the provisions :@0.066980:0.530877:0.365417:0.530877:0.365417:0.520292:0.066980:0.520292:0.004998:0.009549:0.005557:0.005700:0.007377:0.008128:0.003657:0.007377:0.009038:0.003673:0.008128:0.005237:0.003864:0.008830:0.009405:0.005972:0.005413:0.009038:0.008160:0.005205:0.007649:0.008128:0.003864:0.008846:0.008351:0.005940:0.009357:0.004758:0.004870:0.005413:0.009038:0.008351:0.006195:0.008990:0.005381:0.008990:0.007393:0.003864:0.006387:0.003864:0.008830:0.008734:0.006563:0.004375
for the statutory financial accounts;:@0.066980:0.546258:0.319095:0.546258:0.319095:0.535674:0.066980:0.535674:0.004998:0.009549:0.005557:0.005285:0.005413:0.009038:0.008160:0.005637:0.006770:0.005589:0.008128:0.005413:0.009038:0.005413:0.009357:0.005557:0.007728:0.004838:0.004998:0.003864:0.009213:0.008128:0.009038:0.007377:0.003864:0.008128:0.003864:0.006419:0.008128:0.007170:0.007377:0.009357:0.009038:0.009038:0.005413:0.006770:0.003465
•  develop cash flow estimates to inform :@0.048828:0.568530:0.342794:0.568530:0.342794:0.557945:0.048828:0.557945:0.006483:0.004375:0.007712:0.009165:0.008064:0.007393:0.008160:0.003864:0.008990:0.009165:0.006052:0.007058:0.007728:0.006467:0.008655:0.006052:0.005205:0.004120:0.009916:0.012183:0.005205:0.008351:0.006770:0.005221:0.003864:0.013748:0.008128:0.005413:0.008351:0.006770:0.005237:0.005413:0.009134:0.005637:0.003864:0.008734:0.004998:0.009038:0.005557:0.013349:0.004375
budgetary requirements and set contribution :@0.067735:0.583910:0.390507:0.583910:0.390507:0.573326:0.067735:0.573326:0.009389:0.009038:0.009229:0.009405:0.008160:0.005413:0.008128:0.005557:0.007537:0.006052:0.005557:0.008144:0.009405:0.009038:0.003657:0.005557:0.008144:0.013748:0.008096:0.009038:0.005413:0.006563:0.005205:0.007808:0.008655:0.008990:0.006467:0.006563:0.007984:0.005205:0.005637:0.007377:0.009181:0.009038:0.005413:0.005301:0.003864:0.009165:0.009038:0.005413:0.003625:0.009165:0.009038:0.004375
levels for indemnity scheme members; and:@0.067735:0.599291:0.371298:0.599291:0.371298:0.588706:0.067735:0.588706:0.003864:0.007824:0.007313:0.007984:0.003864:0.006307:0.005205:0.004998:0.009549:0.005557:0.005796:0.003864:0.009038:0.009197:0.008351:0.013748:0.009038:0.003864:0.005413:0.007728:0.005142:0.006770:0.007090:0.009038:0.008112:0.013748:0.008096:0.006467:0.013748:0.008096:0.013748:0.009118:0.008351:0.005557:0.006515:0.003465:0.006451:0.007649:0.008495:0.009405
•  ensure that the framework for assurance for models :@0.048828:0.621564:0.443662:0.621564:0.443662:0.610980:0.048828:0.610980:0.006483:0.004375:0.007712:0.008351:0.008798:0.006770:0.008782:0.005557:0.008144:0.005205:0.005413:0.009373:0.008319:0.005413:0.005349:0.005413:0.009038:0.008160:0.005205:0.004998:0.006004:0.008399:0.014371:0.008655:0.012104:0.009756:0.005796:0.008239:0.004790:0.004998:0.009549:0.005557:0.005700:0.008128:0.006770:0.006770:0.008846:0.005557:0.008128:0.009038:0.007106:0.008351:0.005605:0.004998:0.009549:0.005557:0.005700:0.013285:0.008990:0.009070:0.007984:0.003864:0.006387:0.004375
used for calculating  business critical information  is :@0.067735:0.636945:0.429133:0.636945:0.429133:0.626361:0.067735:0.626361:0.008655:0.006387:0.007984:0.008910:0.005637:0.004998:0.009549:0.005557:0.005700:0.007377:0.008128:0.003657:0.007377:0.009038:0.003673:0.008128:0.005237:0.003864:0.008830:0.009405:0.004375:0.002443:0.009389:0.008591:0.006770:0.003657:0.008734:0.008160:0.006563:0.006770:0.005493:0.007377:0.005221:0.003864:0.005046:0.003864:0.006978:0.007904:0.003864:0.006722:0.003864:0.009038:0.004998:0.009165:0.005557:0.013748:0.008128:0.005413:0.003864:0.009086:0.009038:0.004375:0.002475:0.003018:0.005381:0.004375
applied  in  line with the Macpherson recommendations.:@0.067399:0.652624:0.460716:0.652624:0.460716:0.642039:0.067399:0.642039:0.007808:0.008990:0.009165:0.003864:0.003864:0.007904:0.009165:0.004375:0.002523:0.003273:0.007649:0.004375:0.002427:0.003609:0.003609:0.008495:0.007728:0.005205:0.011768:0.003864:0.005716:0.009325:0.006052:0.005413:0.009038:0.008160:0.006387:0.014115:0.008128:0.007170:0.009389:0.008846:0.008351:0.005557:0.006515:0.009357:0.009038:0.006738:0.005557:0.008144:0.007377:0.009357:0.013525:0.013748:0.008351:0.009038:0.009405:0.007952:0.005413:0.003864:0.009357:0.009038:0.006770:0.003465
Key matters considered  in 2021/22 included::@0.049248:0.678406:0.429801:0.678406:0.429801:0.667265:0.049248:0.667265:0.011766:0.009833:0.009833:0.006051:0.016724:0.009833:0.007059:0.006975:0.009917:0.007227:0.007984:0.006051:0.008572:0.010925:0.010841:0.007900:0.005126:0.011177:0.009749:0.007227:0.009749:0.011177:0.004639:0.002588:0.004774:0.009766:0.006471:0.010001:0.010001:0.010001:0.010001:0.007732:0.010001:0.010001:0.006891:0.005126:0.010673:0.008488:0.005042:0.010673:0.010841:0.009665:0.010925:0.004555
The results of the work undertaken  by RPC  on :@0.047987:0.700196:0.381154:0.700196:0.381154:0.689612:0.047987:0.689612:0.008367:0.008862:0.008351:0.006275:0.005301:0.007984:0.006563:0.008734:0.003864:0.005046:0.006563:0.005637:0.009357:0.004758:0.004790:0.005413:0.009038:0.008160:0.005301:0.012183:0.009916:0.005876:0.008319:0.006052:0.009038:0.009038:0.009405:0.008160:0.005557:0.005413:0.008128:0.007936:0.008175:0.009038:0.004375:0.002475:0.008655:0.007058:0.006052:0.008734:0.008064:0.008990:0.004375:0.002858:0.008399:0.008160:0.004375
calculating the key estimates for the accounts in :@0.048407:0.715637:0.395274:0.715637:0.395274:0.705053:0.048407:0.705053:0.007377:0.008128:0.003864:0.007377:0.009038:0.003864:0.007840:0.005413:0.003864:0.009038:0.009405:0.005477:0.005413:0.009213:0.008351:0.006100:0.007728:0.008160:0.007473:0.005205:0.008351:0.006770:0.005221:0.003864:0.013748:0.008128:0.005190:0.008351:0.006770:0.005046:0.004998:0.009549:0.005557:0.004950:0.005413:0.009038:0.008080:0.006052:0.008128:0.007377:0.007377:0.009357:0.009038:0.009038:0.005413:0.006770:0.006084:0.003114:0.007393:0.004375
respect of the provision are included in the Annual :@0.048828:0.731018:0.412269:0.731018:0.412269:0.720434:0.048828:0.720434:0.005381:0.008160:0.006770:0.009022:0.008160:0.007377:0.005142:0.005205:0.009357:0.004758:0.005301:0.005413:0.009038:0.008160:0.006052:0.009070:0.005301:0.008910:0.007313:0.003864:0.006387:0.003864:0.008734:0.008655:0.006467:0.007728:0.005301:0.007904:0.006052:0.003864:0.008830:0.007138:0.003864:0.008734:0.009165:0.008160:0.009165:0.006467:0.003369:0.007904:0.005637:0.005413:0.009038:0.008160:0.005301:0.010507:0.009038:0.009038:0.009245:0.008128:0.004056:0.004375
report and accounts, which are presented to ARC :@0.048828:0.746399:0.404046:0.746399:0.404046:0.735814:0.048828:0.735814:0.005557:0.007968:0.009165:0.009070:0.005381:0.005205:0.005637:0.007808:0.008575:0.008990:0.006052:0.008128:0.007377:0.007377:0.009645:0.009038:0.009038:0.005621:0.006770:0.003465:0.005812:0.011768:0.009325:0.003864:0.007649:0.009325:0.006467:0.007728:0.005301:0.007904:0.006467:0.009165:0.005381:0.008064:0.006770:0.007936:0.008830:0.005205:0.008064:0.009165:0.005637:0.005413:0.009134:0.004870:0.010299:0.009549:0.009884:0.004375
and the Board for consideration. This supports me :@0.048407:0.762076:0.409789:0.762076:0.409789:0.751492:0.048407:0.751492:0.007808:0.008575:0.008990:0.006052:0.005413:0.009038:0.008160:0.006052:0.008830:0.008990:0.007808:0.005301:0.008990:0.005716:0.004998:0.009549:0.005557:0.005700:0.007377:0.009357:0.009038:0.006579:0.003864:0.009405:0.008160:0.005557:0.008128:0.005413:0.003864:0.009357:0.008862:0.003465:0.006451:0.008367:0.008862:0.003864:0.006770:0.005589:0.006770:0.008686:0.009389:0.009102:0.009165:0.005557:0.005205:0.006770:0.005924:0.012854:0.007728:0.004375
in the process to sign the accounts as a true and :@0.048828:0.777458:0.396892:0.777458:0.396892:0.766874:0.048828:0.766874:0.003273:0.007569:0.006052:0.005413:0.009038:0.008160:0.006467:0.008990:0.005381:0.008990:0.007138:0.007984:0.006563:0.006563:0.004870:0.005413:0.009134:0.005637:0.006467:0.003609:0.008830:0.008495:0.005716:0.005413:0.009038:0.008080:0.006052:0.008128:0.007377:0.007377:0.009357:0.009038:0.009038:0.005413:0.006770:0.005748:0.007728:0.006387:0.005205:0.006898:0.006052:0.005413:0.005557:0.009038:0.008351:0.005509:0.007649:0.008495:0.008830:0.004375
fair view of the year's activities.  The actuarial adviser :@0.047987:0.792839:0.424363:0.792839:0.424363:0.782254:0.047987:0.782254:0.004998:0.008447:0.003864:0.005557:0.004950:0.007984:0.004040:0.008655:0.012024:0.005301:0.009357:0.004758:0.005205:0.005413:0.009038:0.008160:0.004790:0.007728:0.007904:0.007904:0.005381:0.003673:0.006579:0.005637:0.008128:0.007090:0.005413:0.003864:0.007361:0.003864:0.005205:0.003864:0.008160:0.006770:0.003225:0.004375:0.002523:0.008367:0.008782:0.008351:0.005509:0.008128:0.007170:0.005413:0.009038:0.007904:0.005557:0.003864:0.008128:0.003864:0.006323:0.007904:0.009165:0.007473:0.003864:0.006467:0.008160:0.005381:0.004375
has provided an opinion on the methodology and :@0.048828:0.808280:0.406201:0.808280:0.406201:0.797696:0.048828:0.797696:0.008655:0.007728:0.006563:0.006052:0.008990:0.005301:0.008910:0.007313:0.003864:0.008830:0.007984:0.008990:0.006387:0.007649:0.008495:0.006052:0.009070:0.009389:0.003641:0.009038:0.003657:0.009165:0.009038:0.005924:0.008830:0.008575:0.005637:0.005413:0.009038:0.008160:0.006387:0.013525:0.008351:0.005174:0.009038:0.009357:0.009165:0.009357:0.003864:0.009357:0.009181:0.007728:0.005126:0.007649:0.008495:0.008910:0.004375
assumptions used to calculate a key estimate in the :@0.048407:0.823661:0.418284:0.823661:0.418284:0.813076:0.048407:0.813076:0.008128:0.006770:0.006770:0.009038:0.013748:0.009165:0.005413:0.003864:0.009357:0.008846:0.006770:0.006084:0.008495:0.006307:0.007904:0.008830:0.006052:0.005126:0.008990:0.005637:0.007377:0.007920:0.003864:0.007377:0.009038:0.003864:0.008128:0.005413:0.008351:0.006068:0.006802:0.006467:0.007728:0.008160:0.007473:0.005301:0.008351:0.006770:0.005413:0.003864:0.013748:0.007904:0.005413:0.008351:0.005908:0.003273:0.007649:0.006052:0.005413:0.008702:0.008064:0.004375
accounts, the 'incurred but not reported' provision.:@0.048407:0.839041:0.412056:0.839041:0.412056:0.828457:0.048407:0.828457:0.008128:0.007377:0.007377:0.009645:0.009038:0.009038:0.005621:0.006770:0.003465:0.006148:0.005413:0.009038:0.008160:0.006052:0.003673:0.003864:0.009038:0.007377:0.008830:0.005557:0.005365:0.008351:0.009213:0.006467:0.009389:0.008766:0.005413:0.005509:0.009038:0.009038:0.005413:0.005509:0.005381:0.008351:0.009213:0.009357:0.005349:0.005413:0.008351:0.009181:0.003673:0.006323:0.009070:0.005381:0.008990:0.007393:0.003864:0.006387:0.003864:0.008830:0.008734:0.003465
I,  Martin Clarke,  am  Government Actuary and a :@0.510295:0.130354:0.854400:0.130354:0.854400:0.119770:0.510295:0.119770:0.003369:0.002683:0.004375:0.002858:0.014036:0.007904:0.005381:0.005413:0.003657:0.008830:0.006467:0.010092:0.003864:0.008399:0.005557:0.008399:0.008575:0.003465:0.004375:0.002491:0.007649:0.012950:0.004375:0.002523:0.010954:0.009549:0.007649:0.008575:0.005557:0.009325:0.013956:0.008575:0.009038:0.005589:0.004375:0.010746:0.007569:0.005637:0.009245:0.008399:0.005557:0.008144:0.005301:0.007808:0.008575:0.008990:0.006467:0.006467:0.004375
Fellow of the Institute and  Faculty of Actuaries.:@0.510295:0.145736:0.844292:0.145736:0.844292:0.135151:0.510295:0.135151:0.007792:0.008351:0.003864:0.003864:0.009357:0.011545:0.005237:0.009357:0.004758:0.005301:0.005413:0.009038:0.008080:0.006052:0.004247:0.008782:0.006770:0.005413:0.003609:0.005413:0.008782:0.005413:0.008032:0.005716:0.007808:0.008575:0.008990:0.004375:0.002523:0.007792:0.007840:0.007377:0.008766:0.003864:0.005205:0.007728:0.005046:0.009357:0.004758:0.004870:0.010299:0.007377:0.005685:0.009038:0.008128:0.005780:0.003864:0.008351:0.006946:0.003465
In  my opinion, the IBNR provisions for NPIS :@0.510295:0.161177:0.817642:0.161177:0.817642:0.150593:0.510295:0.150593:0.003529:0.007393:0.004375:0.002427:0.013189:0.007393:0.005205:0.009357:0.009213:0.003864:0.009038:0.003864:0.009357:0.008750:0.003465:0.006036:0.005413:0.009038:0.008160:0.006467:0.003944:0.008399:0.011098:0.008830:0.006052:0.009165:0.005557:0.008990:0.007393:0.003864:0.006387:0.003864:0.008830:0.008734:0.006563:0.005301:0.004998:0.009549:0.005557:0.005700:0.010171:0.007649:0.003609:0.007233:0.004375
Resolution as at 31  March 2022 to be included :@0.510715:0.176559:0.848321:0.176559:0.848321:0.165975:0.510715:0.165975:0.009325:0.008160:0.006563:0.008990:0.003864:0.008575:0.005413:0.003577:0.008990:0.008734:0.006467:0.007728:0.006387:0.005205:0.008128:0.005237:0.005637:0.007233:0.007313:0.004375:0.005285:0.013780:0.007728:0.005381:0.007138:0.008734:0.006387:0.008910:0.008990:0.008830:0.008830:0.006052:0.005413:0.009134:0.006052:0.008575:0.007569:0.006052:0.003864:0.008575:0.007058:0.003864:0.008734:0.009165:0.008064:0.009165:0.004375
in  NPIS  Resolution's report and accounts have :@0.510295:0.192238:0.836516:0.192238:0.836516:0.181653:0.510295:0.181653:0.003273:0.007649:0.004375:0.002427:0.010331:0.007808:0.003609:0.007313:0.004375:0.002427:0.009245:0.008064:0.006563:0.008990:0.003864:0.008655:0.005413:0.003657:0.008990:0.008830:0.003673:0.006419:0.006052:0.005557:0.007968:0.009165:0.009070:0.005381:0.005205:0.005637:0.007808:0.008575:0.008990:0.006052:0.008128:0.007377:0.007377:0.009565:0.009038:0.009038:0.005413:0.007026:0.005637:0.008734:0.007728:0.007393:0.007984:0.004375
been calculated using an appropriate actuarial :@0.510295:0.207618:0.842743:0.207618:0.842743:0.197034:0.510295:0.197034:0.008990:0.007904:0.007904:0.008655:0.006467:0.007377:0.007840:0.003864:0.007377:0.009038:0.003864:0.007872:0.005413:0.008351:0.009181:0.006467:0.008575:0.006387:0.003864:0.008495:0.008990:0.006467:0.007649:0.008495:0.006467:0.008128:0.009102:0.009389:0.005557:0.009086:0.009389:0.005557:0.003625:0.008128:0.005237:0.008351:0.005605:0.008128:0.007377:0.005413:0.008750:0.008128:0.005557:0.003625:0.008128:0.003864:0.004375
methodology and assumptions which are within :@0.510295:0.222999:0.856188:0.222999:0.856188:0.212415:0.510295:0.212415:0.013748:0.008351:0.005413:0.009038:0.009086:0.009405:0.009165:0.003864:0.009357:0.009405:0.007537:0.005301:0.007808:0.008575:0.008990:0.006467:0.008128:0.006770:0.006770:0.008750:0.013748:0.009197:0.005413:0.003864:0.009357:0.008766:0.006770:0.004822:0.011768:0.009325:0.003864:0.007649:0.009325:0.006467:0.007808:0.005301:0.007904:0.005205:0.011545:0.003864:0.005685:0.009038:0.003864:0.009038:0.004375
a reasonable range, given the purpose of the :@0.509875:0.238381:0.834531:0.238381:0.834531:0.227797:0.509875:0.227797:0.006898:0.006467:0.005557:0.008144:0.008128:0.006770:0.009054:0.009038:0.007856:0.009389:0.003641:0.008351:0.005940:0.005557:0.008128:0.008846:0.009405:0.008160:0.003465:0.006451:0.008990:0.003864:0.007138:0.007984:0.008734:0.006052:0.005413:0.009038:0.008160:0.006052:0.009389:0.008686:0.005381:0.009165:0.009070:0.006770:0.008016:0.006052:0.009357:0.004758:0.004790:0.005413:0.008702:0.008064:0.004375
calculation and taking  into account discussions :@0.509875:0.253763:0.848470:0.253763:0.848470:0.243179:0.509875:0.243179:0.007377:0.008128:0.003864:0.007377:0.009038:0.003864:0.007840:0.005413:0.003864:0.009357:0.009038:0.005940:0.007808:0.008575:0.008990:0.006052:0.005413:0.007952:0.007936:0.003864:0.009038:0.009405:0.004375:0.002443:0.003864:0.008575:0.005205:0.008990:0.005637:0.008128:0.007377:0.007377:0.009645:0.009038:0.009038:0.005413:0.005764:0.009165:0.003864:0.006563:0.007138:0.008830:0.006563:0.006770:0.003657:0.009070:0.008830:0.006770:0.004375
held with the working groups and the NPIS :@0.510295:0.269203:0.820420:0.269203:0.820420:0.258619:0.510295:0.258619:0.008495:0.007728:0.003609:0.008830:0.005637:0.011928:0.004040:0.005716:0.009405:0.005637:0.005413:0.009038:0.008160:0.005205:0.011545:0.009629:0.005557:0.008144:0.003864:0.009325:0.009581:0.006467:0.009165:0.005381:0.009165:0.009038:0.009038:0.006770:0.005493:0.007808:0.008655:0.008990:0.006052:0.005413:0.009038:0.008160:0.006052:0.010092:0.007649:0.003609:0.007233:0.004375
Resolution's Reserving and  Pricing Committee.:@0.510715:0.284882:0.837894:0.284882:0.837894:0.274297:0.510715:0.274297:0.009245:0.008064:0.006563:0.008990:0.003864:0.008655:0.005413:0.003657:0.008990:0.008734:0.003673:0.006419:0.006467:0.009165:0.007984:0.006563:0.007984:0.005301:0.007313:0.003864:0.008575:0.008990:0.006467:0.007808:0.008575:0.008990:0.004375:0.002523:0.008399:0.005205:0.003609:0.006978:0.003609:0.008575:0.008830:0.006387:0.009884:0.009357:0.014036:0.013748:0.003864:0.005669:0.005413:0.008351:0.008591:0.003465
The actuarial assumptions were selected on a best :@0.509455:0.300267:0.871235:0.300267:0.871235:0.289683:0.509455:0.289683:0.008367:0.008862:0.008351:0.005509:0.008128:0.007170:0.005413:0.009038:0.008128:0.005557:0.003864:0.008128:0.003864:0.006100:0.008128:0.006770:0.006770:0.009038:0.013748:0.009165:0.005413:0.003864:0.009357:0.008846:0.006770:0.004918:0.011848:0.008575:0.005557:0.008639:0.006052:0.006563:0.008064:0.003864:0.007984:0.007138:0.005413:0.007952:0.009165:0.006387:0.008575:0.008399:0.006467:0.006802:0.006467:0.008990:0.007808:0.006387:0.005046:0.004375
estimate basis, with  no explicit adjustment for :@0.509875:0.315649:0.842019:0.315649:0.842019:0.305065:0.509875:0.305065:0.008351:0.006770:0.005221:0.003864:0.013748:0.008128:0.005413:0.008351:0.005956:0.009070:0.007808:0.006563:0.003864:0.006387:0.003465:0.005525:0.011768:0.003864:0.005716:0.009325:0.004375:0.002523:0.008575:0.008734:0.005637:0.008351:0.007329:0.009197:0.003864:0.003864:0.007154:0.003864:0.005205:0.005301:0.008128:0.009613:0.003864:0.009038:0.006770:0.005413:0.013748:0.008351:0.009038:0.005413:0.005349:0.004998:0.009357:0.005557:0.004375
risk and  uncertainty.  I  have calculated the IBNR :@0.510295:0.331031:0.846655:0.331031:0.846655:0.320447:0.510295:0.320447:0.005301:0.003864:0.006307:0.007569:0.005637:0.007808:0.008575:0.008990:0.004375:0.002523:0.008830:0.008830:0.007377:0.008000:0.005557:0.005413:0.007776:0.003864:0.008830:0.005413:0.007441:0.003465:0.004375:0.002746:0.001597:0.004375:0.002523:0.008734:0.007728:0.007393:0.007984:0.006052:0.007377:0.007840:0.003864:0.007377:0.009038:0.003864:0.007872:0.005413:0.008351:0.009181:0.005716:0.005413:0.009038:0.008080:0.006467:0.003944:0.008239:0.010922:0.008734:0.004375
provisions to be £64,288 million for all schemes :@0.510295:0.346413:0.854463:0.346413:0.854463:0.335828:0.510295:0.335828:0.009165:0.005381:0.008990:0.007393:0.003864:0.006467:0.003864:0.008910:0.008830:0.006563:0.005205:0.005413:0.009134:0.005637:0.008830:0.007728:0.006052:0.009245:0.009245:0.009165:0.003705:0.009245:0.009165:0.009165:0.006387:0.013285:0.003864:0.003529:0.003864:0.003529:0.008910:0.008655:0.006052:0.004998:0.009549:0.005557:0.005285:0.007233:0.003449:0.003449:0.006467:0.006770:0.007090:0.009038:0.008016:0.013525:0.008160:0.006770:0.004375
combined as at 31  March 2022  using the method :@0.509875:0.361854:0.868829:0.361854:0.868829:0.351270:0.509875:0.351270:0.007377:0.009357:0.013429:0.009165:0.003864:0.008830:0.008160:0.009405:0.006307:0.007473:0.006211:0.005637:0.008128:0.005158:0.005301:0.007393:0.007473:0.004375:0.004950:0.013956:0.007808:0.005381:0.007138:0.008830:0.006467:0.008910:0.008990:0.008830:0.008830:0.004375:0.002427:0.008575:0.006387:0.003864:0.008495:0.008990:0.005637:0.005413:0.009038:0.008160:0.006467:0.013285:0.008064:0.005205:0.008830:0.009070:0.009165:0.004375
and assumptions selected by NPIS  Resolution. This :@0.509875:0.377533:0.869644:0.377533:0.869644:0.366949:0.509875:0.366949:0.007808:0.008655:0.008990:0.006387:0.008128:0.006579:0.006770:0.009038:0.013748:0.009389:0.005413:0.003864:0.009357:0.009038:0.006770:0.005110:0.006563:0.008160:0.003864:0.008064:0.007377:0.005142:0.008160:0.009165:0.006467:0.008830:0.007313:0.005637:0.010331:0.007808:0.003609:0.007313:0.004375:0.002427:0.009325:0.008160:0.006770:0.008942:0.003864:0.008734:0.005413:0.003864:0.008958:0.009038:0.003225:0.006387:0.008160:0.008655:0.003864:0.006387:0.004375
opinion statement should be considered  in the :@0.509875:0.392914:0.845868:0.392914:0.845868:0.382329:0.509875:0.382329:0.008990:0.009165:0.003864:0.008734:0.003864:0.008990:0.008830:0.006467:0.006770:0.005413:0.008128:0.005413:0.008351:0.014004:0.008351:0.009213:0.005413:0.005589:0.006563:0.008734:0.008990:0.008830:0.003864:0.008990:0.006467:0.008830:0.007728:0.005637:0.007377:0.009006:0.008830:0.006563:0.003864:0.009086:0.008064:0.005557:0.007968:0.009165:0.004375:0.002427:0.003273:0.007649:0.006052:0.005413:0.008702:0.008064:0.004375
context of my advice to the  Reserving and  Pricing :@0.509875:0.408294:0.865221:0.408294:0.865221:0.397710:0.509875:0.397710:0.007377:0.009357:0.009229:0.005413:0.008351:0.007329:0.005413:0.005605:0.009357:0.004758:0.005716:0.013110:0.007393:0.005301:0.007904:0.009165:0.007473:0.003864:0.007058:0.008064:0.005637:0.005126:0.008990:0.005301:0.005413:0.009038:0.008160:0.004375:0.002427:0.009245:0.007984:0.006563:0.007984:0.005301:0.007313:0.003864:0.008575:0.008990:0.006052:0.007808:0.008575:0.008990:0.004375:0.002858:0.008239:0.005205:0.003609:0.006898:0.003609:0.008495:0.008734:0.004375
Committee. There are a number of uncertainties :@0.509875:0.423675:0.858786:0.423675:0.858786:0.413091:0.509875:0.413091:0.010092:0.009357:0.014004:0.013748:0.004072:0.005413:0.005589:0.008351:0.008543:0.003465:0.006531:0.008367:0.008862:0.008351:0.005349:0.008351:0.005940:0.007728:0.005301:0.007904:0.005637:0.006898:0.006467:0.009038:0.009038:0.013748:0.009102:0.008351:0.005557:0.005669:0.009357:0.004758:0.006052:0.009038:0.009038:0.007377:0.008160:0.005557:0.005413:0.007856:0.003864:0.009038:0.005413:0.003864:0.008160:0.006770:0.004375
underlying the IBNR provisions.  My advice to the :@0.510295:0.439116:0.858743:0.439116:0.858743:0.428532:0.510295:0.428532:0.009038:0.008607:0.009165:0.008160:0.005381:0.003864:0.007489:0.003864:0.008734:0.009165:0.006052:0.005413:0.009038:0.008080:0.006467:0.003944:0.008399:0.011098:0.008830:0.006052:0.009165:0.005381:0.008990:0.007393:0.003864:0.006467:0.003864:0.008910:0.008734:0.006467:0.003465:0.004375:0.003162:0.013700:0.007313:0.005205:0.007904:0.009165:0.007473:0.003864:0.007058:0.008160:0.005637:0.005413:0.009134:0.004790:0.005413:0.008702:0.008064:0.004375
Reserving and  Pricing Committee and Note 7 to :@0.510715:0.454498:0.854708:0.454498:0.854708:0.443914:0.510715:0.443914:0.009165:0.007984:0.006563:0.007984:0.005301:0.007313:0.003864:0.008575:0.008990:0.006467:0.007808:0.008575:0.008990:0.004375:0.002523:0.008399:0.005205:0.003609:0.006978:0.003609:0.008575:0.008830:0.006387:0.010092:0.009357:0.014004:0.013748:0.004072:0.005413:0.005589:0.008351:0.008351:0.006164:0.007808:0.008655:0.008990:0.006387:0.011257:0.008830:0.005126:0.007904:0.006052:0.007649:0.005637:0.005126:0.008990:0.004375
NPIS  Resolution's Annual  report and accounts :@0.510295:0.470176:0.836899:0.470176:0.836899:0.459591:0.510295:0.459591:0.010331:0.007808:0.003609:0.007313:0.004375:0.002427:0.009245:0.008064:0.006563:0.008990:0.003864:0.008655:0.005413:0.003657:0.008990:0.008734:0.003673:0.006419:0.004870:0.010587:0.009038:0.009373:0.009038:0.008447:0.003864:0.004375:0.002603:0.005557:0.007968:0.009165:0.009070:0.005381:0.005205:0.005637:0.007808:0.008575:0.008990:0.006052:0.008128:0.007377:0.007377:0.009357:0.009038:0.009038:0.005413:0.006770:0.004375
describe this uncertainty and quantify the sensitivity :@0.509875:0.485558:0.883088:0.485558:0.883088:0.474973:0.509875:0.474973:0.009165:0.008160:0.006770:0.007090:0.005557:0.003689:0.009165:0.008160:0.005205:0.005413:0.009038:0.003864:0.006770:0.006004:0.009038:0.009038:0.007377:0.008351:0.005557:0.005413:0.008128:0.003864:0.009038:0.005413:0.007728:0.005349:0.007808:0.008575:0.008990:0.006467:0.009405:0.009038:0.008128:0.009309:0.005413:0.003864:0.004998:0.007904:0.004870:0.005413:0.009038:0.008160:0.006052:0.006563:0.008064:0.008830:0.006563:0.003864:0.005205:0.003864:0.007393:0.003864:0.005126:0.007728:0.004375
of the IBNR provisions to key assumptions. This :@0.509875:0.500940:0.849093:0.500940:0.849093:0.490355:0.509875:0.490355:0.009357:0.004758:0.005301:0.005413:0.009038:0.008080:0.006052:0.003944:0.008399:0.011098:0.008830:0.006052:0.009165:0.005381:0.008990:0.007393:0.003864:0.006467:0.003864:0.008910:0.008830:0.006563:0.005205:0.005413:0.009134:0.005637:0.007649:0.008351:0.007441:0.005205:0.008128:0.006770:0.006770:0.008846:0.013748:0.009389:0.005413:0.003864:0.009181:0.009038:0.006595:0.003465:0.006451:0.008367:0.008607:0.003864:0.006563:0.004375
opinion does not negate the fact that the future :@0.509875:0.516321:0.858003:0.516321:0.858003:0.505737:0.509875:0.505737:0.008990:0.009165:0.003864:0.008734:0.003864:0.008990:0.008830:0.006467:0.009070:0.008990:0.008064:0.006563:0.006052:0.008734:0.008990:0.005205:0.006052:0.009038:0.008112:0.009405:0.007904:0.005413:0.008351:0.005062:0.005413:0.009038:0.008160:0.005205:0.005205:0.008495:0.007728:0.005637:0.004790:0.005413:0.009373:0.008319:0.005413:0.005014:0.005413:0.009038:0.008160:0.005637:0.004998:0.009038:0.005413:0.009038:0.005557:0.008351:0.004375
cash flows will  not develop exactly as projected and :@0.509875:0.531703:0.881747:0.531703:0.881747:0.521119:0.509875:0.521119:0.007138:0.007808:0.006563:0.008734:0.005637:0.005205:0.004040:0.009756:0.011928:0.007058:0.004790:0.011545:0.003864:0.004088:0.003864:0.004375:0.002523:0.008830:0.008990:0.005205:0.005205:0.009165:0.008064:0.007473:0.008160:0.003864:0.008990:0.009165:0.006052:0.008351:0.007329:0.007936:0.007377:0.005413:0.003864:0.007728:0.005285:0.007728:0.006387:0.005637:0.009070:0.005381:0.009070:0.003864:0.007984:0.007138:0.005413:0.007952:0.009070:0.006387:0.007649:0.008495:0.008910:0.004375
may,  in fact, vary significantly from the projections.:@0.510295:0.547143:0.871086:0.547143:0.871086:0.536559:0.510295:0.536559:0.012854:0.007473:0.007138:0.003194:0.004375:0.002427:0.003369:0.007984:0.005637:0.004998:0.008527:0.007649:0.005413:0.003657:0.006052:0.007649:0.008128:0.005557:0.007728:0.005221:0.006770:0.004072:0.009405:0.009038:0.003864:0.004998:0.003864:0.007377:0.008128:0.009038:0.005413:0.003864:0.007728:0.004774:0.004998:0.005557:0.009022:0.013525:0.005637:0.005413:0.009038:0.008160:0.006467:0.009070:0.005381:0.009070:0.003864:0.007984:0.007138:0.005413:0.003657:0.009070:0.008734:0.006770:0.003465