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Estimated for all persons from UK mortality rates by sex and age 20002002. http://www.statistics.gov.uk/downloads/theme_compendia/Aa2005/AnnualAbstract_2005.pdf<
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R8<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <8
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Current bank rate.<
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It is assumed that consumption of local authority funded domiciliary care would be unchanged by the loans scheme, since local authorities control the level of consumption through application of eligibility criteria.<
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Illustative factor entered.<
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Estimated from General Household 2003 data on owner occupation for people by age set out in Table 7.6 of Care of Elderly People Market Survey (Laing & Buisson).
The percentage is higher than the owner occupation rate for care home admissions since the latter are principally made up from very old people living alone.<
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% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <8
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% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <8
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% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <8
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% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <8
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% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <8
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R8<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <8
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R8<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <8
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R8<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <8
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R8<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <8
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R8<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <8
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% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <8
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R8<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <8
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R8<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <8
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% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <8
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% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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J7
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1J]4J@d
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
K7
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1J]4K@He
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
L7
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XPP?
1J]4L@f
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
M7
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XPP?
1J]4M@g
N_tC@*<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
N7
<t
XPP?
1J]4N@t\g
JQvE<ʟd1<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
O7
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XPP?
1J]4O@؎Lh
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
P7
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XPP?
1J]4P@<h
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
Q7
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XPP?
1J]4Q@i
qF3NMu*n<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
R7
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XPP?
1J]4R@i
1*{*C@j9v3<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
S7
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XPP?
1J]4S@hj
85A*J(6<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
T7
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XPP?
1J]4T@̐k
%$#4 Ltԃ<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
U7
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XPP?
1J]4U@0l
0@rLOz2<<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
V7
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XPP?
1J]4V@\l
ZSAG۞02<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
W7
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XPP?
1{J]4W@Lm
w7eťMS<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
X7
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XPP?
1J]4X@\m
Ńf\N=w\A<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
Y7
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XPP?
{1 J]4Y@n
PFj&mz<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
Z7
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XPP?
3E]4Z@$n
JG@!<.<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
[7
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XPP?
3E]4[@o
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
\7
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XPP?
3E]4\@p
hᚤMR9H(<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
b7
<D
XPP?
3E]4b@Ds
ӅKWpO,n<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
c7
<
XPP?
3E]4c@t
0AH<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
d7
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XPP?
3E]4d@u
9`tC0ؾYA<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
e7
<p
XPP?
3E]4e@pv
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
f7
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3E]4f@ԗ\v
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
g7
<8
XPP?
3E]4g@8Lw
wD{}wJYg<1<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
h7
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XPP?
3E]4h@w
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
i7
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XPP?
3E]4i@x
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
j7
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
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XPP?
3E]4k@șy
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
l7
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XPP?
3E]4l@,z
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
m7
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
o7
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3{E]4o@XL
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
p7
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XPP?
3E]4p@
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
q7
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XPP?
{3 E]4q@ }
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
r7
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XPP?
3C]4r@}
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
s7
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XPP?
3C]4s@~
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
t7
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XPP?
3C]4t@L
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
u7
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XPP?
3 C]4u@
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
v7
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XPP?
3
C]4v@\
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
w7
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XPP?
3C]4w@xL
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
x7
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XPP?
3C]4x@ܞ
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
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XPP?
3
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
z7
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XPP?
3C]4z@܂
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
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XPP?
3C]4{@̃
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
3C]4@l
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
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XPP?
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
~7
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XPP?
3C]4~@4\
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
3C]4@L
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
3C]4@
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
3C]4@Ģ܇
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
3C]4@(̈
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
3C]4@
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
3C]4@
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
3C]4@T\
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
3{C]4@L
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
3C]4@
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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3G]4@H̍
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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3G]4@اL
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
3G]4@<
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
3G]4@h̒
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
3G]4@̩
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
3G]4@0
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
3G]4@\
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
3G]4@L
U^=N#gB<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
3G]4@\
Dm?[L\4[<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
3G]4@
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
3G]4@$ܖ
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
<
XPP?
3G]4@̗
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
<
XPP?
3G]4@
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
3G]4@P
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
<
XPP?
3K]4@
8;G~wtR
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
<T
XPP?
3K]4@T\
AKBx8<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
<
XPP?
3K]4@L
OrÙNC_vd<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
<
XPP?
3K]4@
6{qAGMq<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
<
XPP?
3K]4@
A\2sIyk@S<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
3K]4@ܴ
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
<
XPP?
3K]4@
,ל0EuFS<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
<
XPP?
3K]4@
VyNCVL)T<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
<t
XPP?
3K]4@t\
6լ(F52Iq!<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
<
XPP?
3{K]4@L
!qCE!UT<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
3K]4@<
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
<
XPP?
{3 K]4@
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
<
XPP?
3MZ]4@ܹ
G/TMJP6<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
<h
XPP?
3MZ]4@h̺
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
<
XPP?
3MZ]4@
@%IKD<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
<0
XPP?
3 MZ]4@0
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
3
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
<
XPP?
3MZ]4@L
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
3MZ]4@\
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
<
XPP?
3
MZ]4@
n&qeGMpE:<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
3MZ]4@$ܾ
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
3MZ]4@̿
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
3MZ]4@
(/0ԀFgѹt<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
3MZ]4@P
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
<
XPP?
3MZ]4@\
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
<
XPP?
3MZ]4@L
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
<
XPP?
3MZ]4@
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
3MZ]4@
D#vTjGc?e<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
<D
XPP?
3MZ]4@D
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
<
XPP?
3MZ]4@
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
<
XPP?
3MZ]4@
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
3MZ]4@p
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
3MZ]4@\
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
3{MZ]4@8L
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
3MZ]4@
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
5H]4@,
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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XPP?
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
7
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
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6I]4@0
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
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XPP?
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
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XPP?
7J]4@
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
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XPP?
7J]4@
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
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7 J]4@P
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
58
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
68
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
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XPP?
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
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XPP?
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
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XPP?
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
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XPP?
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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8
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
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XPP?
>Q]4@p(1^/
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
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XPP?
{> Q]4@(1_/
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
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XPP?
?R]4@8)1`/
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
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XPP?
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
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XPP?
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
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XPP?
?R]4@,1Pe/
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
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XPP?
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
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XPP?
?R]4@@01@k/
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
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XPP?
?R]4@01k/
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
<11
XPP?
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
<l11
XPP?
?{R]4@l11l/
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
<11
XPP?
?R]4@11m/
UtA4<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
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XPP?
{? R]4@421n/
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
<21
XPP?
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
<21
XPP?
@S]4@21Po/
8wFqS7<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
<`31
XPP?
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U9U<5OӨle<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
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XPP?
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
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XPP?
@S]4@41q/
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
<41
XPP?
@S]4@41r/
1G;U<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
<T51
XPP?
@
S]4@T51s/
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
<51
XPP?
@S]4@51t/
c`NFy<(o<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
<61
XPP?
@S]4@61Pt/
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
<61
XPP?
@S]4@61@u/
OE`ŭrAW{aVZ<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
<61
XPP?
@S]4@61u/
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
<H71
XPP?
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
8
<71
XPP?
@S]4@71v/
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
9
<81
XPP?
@S]4@81w/
E͡Hk`:3<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
9
<t81
XPP?
@S]4@t81x/
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
9
<81
XPP?
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
9
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XPP?
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
9
<91
XPP?
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
9
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XPP?
@S]4@:1z/
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
9
<h:1
XPP?
@S]4@h:1{/
7DFE^.<
R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
9
<:1
XPP?
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
9
<0;1
XPP?
@S]4@0;1/
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
9
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XPP?
{@ S]4 @;1}/
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
9
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
9
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
9
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
9
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
9
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
9
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XPP?
AT]4@=1Ѐ/
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
9
<P>1
XPP?
AT]4@P>1/
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
9
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
9
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
9
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
9
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XPP?
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
9
<D@1
XPP?
AT]4@D@1/
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
9
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
9
<A1
XPP?
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
9
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
9
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
9
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XPP?
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
9
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
9
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XPP?
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
9
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
9
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
9
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A{T]4@,D1Њ/
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
9
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
M R<~~
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R<SWilliam Laing:
% of borrowers in scheme year who die/repay loans in each of subsequent years times total value of loans taken out in loan year 'n' discounted to net value at year 'n', on the simplifying assumption that all personal expenditure is borrowed under the loan scheme and a new loan book is started at the end of each year 'n'. <
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New data from the 200203 English Longitudinal Survey of Ageing (people aged 50 to Statutory Pension Age) shows average financial, business and property wealth of 14,800 amongst the 5th decile of the total wealth distribution, compared with 101,000 in housing wealth. The ratio of housing wealth to other nonpension wealth is even higher in lower deciles of the wealth distribution. James Banks et al Prepared for Retirement? Institute for Fiscal Studies 2005. Table 4.1.<(
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Source for England: PSS EXPENDITURE IN 2003/04  www.dh.gov.uk/assetRoot/04/10/41/59/04104159.xls. Expenditure includes overheads allocated to service lines on a prorata basis.
Source for Wales: PSS EXPENDITURE, ALL UNITARY AUTHORITIES IN WALES 2003/04  http://www.statswales.wales.gov.uk/ReportFolders/reportFolders.aspx<
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According to the 2003 General Household Survey, 62% of single people aged over 60 are owner occupiers. Of these, 56% own their property without a mortgage and 6% own it with a mortgage. At this age, mortgages are usually small in relation to value. A downward adjustment has to be made, since owner occupation rates decrease with age over 60. It is roughly estimated that for the population at risk of entering care homes (usually 80+) the owner occupation rate (less those with large mortgages) is 50%. <
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Derived from median and lower quartile points of house value distribution, assuming values equally distributed across asset bands a) in two middle quartles and b) in upper and lower quartiles.<
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232,000 in independent sector homes + 32,560 in local authority homes (40,700 places  Care of Elderly People Market Survey 2005, Table 2.1 @ 80% occupancy) times a factor of 0.95 to exclude residents under 65, less 10,000, being an estimate of the number of 'full payers'; 'full payers' are residents whose placement in a care home is arranged under a local authority contract, and who are included local authority funding statistics, but who are ineligible for financial support from the local authority because they fail either the income or capital means test and consequently pay local authority charges equivalent to the full care home fees.<
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Land Registy data compiled by ODPM. Tables 586 and 587. http://www.odpm.gov.uk/pub/161/Table587Excel87Kb_id1156161.xls<
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Calculated from data collected over a period of 24 months in Laing & Buisson's Continuing Random Sample Survey of Care Homes in 199698. Implies average survival of some 20 months across nursing and residential care clients. <
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This term does not impact substantially on the results, but ensures that there is no long tail of survivers after several years.<
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Age split of continuing care assumed to be the same as age split of RNCC recipients, which is in turn assumed to be the same as the age split of all independent sector nursing care residents<
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Age split of continuing care assumed to be the same as age split of RNCC recipients, which is in turn assumed to be the same as the age split of all independent sector nursing care residents.<
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The Census understates residents in hospitals / care homes because, in the absence of specific confirmation of permanent residency, residents of less than 6 months duration may have been classed as living at their former address<
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Age split of RNCC recipients is assumed to be the same as the age split of all independent sector nursing care residents, Care of Elderly People Market Survey 2005, Table 6.1<
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Independent sector nursing home board and accommodation costs (defined as total fees less nursing and personal care staff payroll costs) have been used in the absence of information about NHS board and accommodation costs. <
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The weighted average of a) local authority charges per person and b) gross noncare costs per nursing home resident (i.e. the amount that would be paid by a selfpayer), assuming that NHS continuing care recipients would be subject to the same means test as other care home residents, and that the proportions of NHS continuing care recipients qualifying / not qualifying for state support for board and accommodation charges would be the same as the proportions currently qualifying / not qualifying for state support for care home charges amongst all noncontinuing care residents of care homes in the UK.<
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Weighted average (see cell A78 note) of local authority charges per person and gross annual noncare costs per selfpayer.<
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Free nursing budget of 584m for 2005/06 allocated according to numbers of persons identified as entitled to free nursing in the DH surveys of 2002 and 2003 (see Free nursing worksheet). Numbers of entally ill and learning disabled free nursing recipients under the age of 65 assumed to be minimal.<
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90 divided by 526 (UK average nursing care fees) less 40 (band 3 RNCC). Note, however, that average nursing fees are 684 in London, which would further reduce the copayment rate for affordability in this and other higher cost regions.<
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<William Laing:
Source: Department of Health, Local authority supported residents in care homes, England www.ic.nhs.uk/pubs/comcaresrae2005/SR12005RoundedClosed.xls/file. No change assumed for 2005/06.<
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<William Laing:
Source: Department of Health, Local authority supported residents in care homes, England www.ic.nhs.uk/pubs/comcaresrae2005/SR12005RoundedClosed.xls/file. No change assumed for 2005/06.<
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Free nursing budget of 584m for 2005/06 allocated according to numbers of persons identified as entitled to free nursing in the DH surveys of 2002 and 2003 (see Free nursing worksheet). Numbers of entally ill and learning disabled free nursing recipients under the age of 65 assumed to be minimal.<
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Excludes paid home care and home help from unregistered providers, e.g. grey economy, adverts in shop windows, etc. Assumes that privately paid home care for younger mentally ill and learning disabled adults is minimal.<
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Source: Laing & Buisson Care of Elderly People Market Survey 2005, Table 2.7. Based on a sample survey of domiciliary care agencies and subject to error.<
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Age split pro rata with local authority expenditure.<
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Age split pro rata with local authority <
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<William Laing:
The Office of Fair Trading study of care homes published in May 2005 (OFT, 2005). Annex F: Survey of older people in care homes found that 33 per cent of local authority funded residents interviewed had their fees part paid by a 3rd party topup.<
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Source: PSS EXPENDITURE IN 2003/04  www.dh.gov.uk/assetRoot/04/10/41/59/04104159.xls. Expenditure includes overheads allocated to service lines on a prorata basis.<
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Source: PSS EXPENDITURE IN 2003/04  www.dh.gov.uk/assetRoot/04/10/41/59/04104159.xls. Expenditure includes overheads allocated to service lines on a prorata basis.<
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Source: PSS EXPENDITURE IN 2003/04  www.dh.gov.uk/assetRoot/04/10/41/59/04104159.xls. Expenditure includes overheads allocated to service lines on a prorata basis.<
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Source: PSS EXPENDITURE IN 2003/04  www.dh.gov.uk/assetRoot/04/10/41/59/04104159.xls. Expenditure includes overheads allocated to service lines on a prorata basis.<
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Source: PSS EXPENDITURE IN 2003/04  www.dh.gov.uk/assetRoot/04/10/41/59/04104159.xls. Expenditure includes overheads allocated to service lines on a prorata basis.<
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<William Laing:
Source: PSS EXPENDITURE IN 2003/04  www.dh.gov.uk/assetRoot/04/10/41/59/04104159.xls. Expenditure includes overheads allocated to service lines on a prorata basis.<
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<William Laing:
There is no data source of privately paid day care. Day care is not registered per se by CSCI. Most independent sector day care is probably provided by care homes. The 'guesstimate' of private day care expenditure as 10% of local authority day care expenditure is pitched lower than care homes and home care because a) access to publicly funded day care is not means tested and b) day care is probbaly a less attractive mode of provision to the middle classes than home care. <
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<William Laing:
There is no data source of privately paid day care. Day care is not registered per se by CSCI. Most independent sector day care is probably provided by care homes. The 'guesstimate' of private day care expenditure as 10% of local authority day care expenditure is pitched lower than care homes and home care because a) access to publicly funded day care is not means tested and b) day care is probbaly a less attractive mode of provision to the middle classes than home care. <
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Source: PSS EXPENDITURE IN 2003/04  www.dh.gov.uk/assetRoot/04/10/41/59/04104159.xls. Expenditure includes overheads allocated to service lines on a prorata basis.<
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Source: PSS EXPENDITURE IN 2003/04  www.dh.gov.uk/assetRoot/04/10/41/59/04104159.xls. Expenditure includes overheads allocated to service lines on a prorata basis.<
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There are no readily available data on private expenditure on equipment and adaptations. Spending may be substantial, for example on widely advertised items such as stair lifts.<
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Source: PSS EXPENDITURE IN 2003/04  www.dh.gov.uk/assetRoot/04/10/41/59/04104159.xls. Expenditure includes overheads allocated to service lines on a prorata basis.<
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<William Laing:
Source: PSS EXPENDITURE IN 2003/04  www.dh.gov.uk/assetRoot/04/10/41/59/04104159.xls. Expenditure includes overheads allocated to service lines on a prorata basis.<
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<William Laing:
There are no readily available data on private expenditure on meals on wheels or their equivalent. Spending is unlikely to be substantial.<
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<William Laing:
Source: PSS EXPENDITURE IN 2003/04  www.dh.gov.uk/assetRoot/04/10/41/59/04104159.xls. Expenditure includes overheads allocated to service lines on a prorata basis.<
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<William Laing:
Source: PSS EXPENDITURE IN 2003/04  www.dh.gov.uk/assetRoot/04/10/41/59/04104159.xls. Expenditure includes overheads allocated to service lines on a prorata basis.<
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Sweepup category. No data.<
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Data on community health services are derived from Table 2.4.1 (NHS EXPENDITURE ON SERVICES FOR COMMUNITY CARE (200304 PRICES) ENGLAND) in the Department of Health's memorandum of information in response to written questions from the House of Commons Health Committee  http://www.publications.parliament.uk/pa/cm200506/cmselect/cmhealth/736/736iii.pdf.<
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<William Laing:
Data onhousing related community care services are derived from Table 2.4.1 (NHS EXPENDITURE ON SERVICES FOR COMMUNITY CARE (200304 PRICES) ENGLAND) in the Department of Health's memorandum of information in response to written questions from the House of Commons Health Committee  http://www.publications.parliament.uk/pa/cm200506/cmselect/cmhealth/736/736iii.pdf.<
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Source: PSS EXPENDITURE IN 2003/04  www.dh.gov.uk/assetRoot/04/10/41/59/04104159.xls. Expenditure includes overheads allocated to service lines on a prorata basis.<
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Source: PSS EXPENDITURE IN 2003/04  www.dh.gov.uk/assetRoot/04/10/41/59/04104159.xls. Expenditure includes overheads allocated to service lines on a prorata basis.<
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<William Laing:
NHS cost taken from NHS reference costs 200304, NHS Trusts and PCTs combined  TREHAB sheet, 'Elderly' 158 per night. http://www.dh.gov.uk/assetRoot/04/10/55/53/04105553.xls<
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<William Laing:
NHS cost taken from NHS reference costs 200304, NHS Trusts and PCTs combined  TMHi sheet, 'Elderly' 186 per night. http://www.dh.gov.uk/assetRoot/04/10/55/53/04105553.xls<
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NHS cost rebased from NHS reference costs 200304, NHS Trusts and PCTs combined  TREHAB sheet, 'Other Patients' 194 per night. http://www.dh.gov.uk/assetRoot/04/10/55/53/04105553.xls<
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66% of both rates combined are 80+<
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<William Laing:
DWP Quarterly Statistical Summary. Office for National Statistics. http://www.dwp.gov.uk/asd/asd1/tabtools/stats_summary_october_2005.pdf<
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<William Laing:
DWP Quarterly Statistical Summary. Office for National Statistics. http://www.dwp.gov.uk/asd/asd1/tabtools/stats_summary_october_2005.pdf<
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Source: PSS EXPENDITURE IN 2003/04  www.dh.gov.uk/assetRoot/04/10/41/59/04104159.xls. Expenditure includes overheads allocated to service lines on a prorata basis.<
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Source: PSS EXPENDITURE IN 2003/04  www.dh.gov.uk/assetRoot/04/10/41/59/04104159.xls. Expenditure includes overheads allocated to service lines on a prorata basis.<
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Value of home care and home help from unregistered providers is unknown, but may run into billions. It is not identified in government surveys such as Family Expenditure Survey and Family Resources Survey. Most unregistered services are presumably sourced in the grey economy. It must be assumed that a large share of Attendance Allowance is absorbed by the grey economy since the scale of AA is far larger than known personal expenditure on registered care providers. <
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Estimated from UK pro rata with bed numbers for older people.<
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Laing & Buisson Care of Elderly People Market Survey 2005, Table 7.2.<
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Laing & Buisson Care of Elderly People Market Survey 2005, Table 7.2.<
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Age split of RNCC recipients is assumed to be the same as the age split of all independent sector nursing care residents, Care of Elderly People Market Survey 2005, Table 6.1<
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Age split of RNCC recipients is assumed to be the same as the age split of all independent sector nursing care residents, Care of Elderly People Market Survey 2005, Table 6.1<
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Laing & Buisson Care of Elderly People Market Survey 2005, Table 8.2.<
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Source: PSS EXPENDITURE, ALL UNITARY AUTHORITIES IN WALES 2003/04  http://www.statswales.wales.gov.uk/ReportFolders/reportFolders.aspx<
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Source: PSS EXPENDITURE, ALL UNITARY AUTHORITIES IN WALES 2003/04  http://www.statswales.wales.gov.uk/ReportFolders/reportFolders.aspx<
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Source: PSS EXPENDITURE, ALL UNITARY AUTHORITIES IN WALES 2003/04  http://www.statswales.wales.gov.uk/ReportFolders/reportFolders.aspx<
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Source: PSS EXPENDITURE, ALL UNITARY AUTHORITIES IN WALES 2003/04  http://www.statswales.wales.gov.uk/ReportFolders/reportFolders.aspx<
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The Office of Fair Trading study of care homes published in May 2005 (OFT, 2005). Annex F: Survey of older people in care homes found that 33 per cent of local authority funded residents interviewed had their fees part paid by a 3rd party topup.<
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Best estimate.<
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Estimated from England pro rata with Wales / England ratio of nursing and residential care beds.<
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Estimated from England pro rata with Wales / England ratio of nursing and residential care beds.<
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Excludes paid home care and home help from unregistered providers, e.g. grey economy, adverts in shop windows, etc. Assumes that privately paid home care for younger mentally ill and learning disabled adults is minimal.<
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Source: Laing & Buisson Care of Elderly People Market Survey 2005, Table 2.7.<
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Age split pro rata with local authority expenditure.<
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Age split pro rata with local authority <
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The Office of Fair Trading study of care homes published in May 2005 (OFT, 2005). Annex F: Survey of older people in care homes found that 33 per cent of local authority funded residents interviewed had their fees part paid by a 3rd party topup.<
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Source: PSS EXPENDITURE, ALL UNITARY AUTHORITIES IN WALES 2003/04  http://www.statswales.wales.gov.uk/ReportFolders/reportFolders.aspx<
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Source: PSS EXPENDITURE IN 2003/04  www.dh.gov.uk/assetRoot/04/10/41/59/04104159.xls. Expenditure includes overheads allocated to service lines on a prorata basis.<
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Source: PSS EXPENDITURE, ALL UNITARY AUTHORITIES IN WALES 2003/04  http://www.statswales.wales.gov.uk/ReportFolders/reportFolders.aspx<
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Source: PSS EXPENDITURE, ALL UNITARY AUTHORITIES IN WALES 2003/04  http://www.statswales.wales.gov.uk/ReportFolders/reportFolders.aspx<
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Source: PSS EXPENDITURE IN 2003/04  www.dh.gov.uk/assetRoot/04/10/41/59/04104159.xls. Expenditure includes overheads allocated to service lines on a prorata basis.<
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Source: PSS EXPENDITURE, ALL UNITARY AUTHORITIES IN WALES 2003/04  http://www.statswales.wales.gov.uk/ReportFolders/reportFolders.aspx<
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There is no data source of privately paid day care. Day care is not registered per se by CSCI. Most independent sector day care is probably provided by care homes. The 'guesstimate' of private day care expenditure as 10% of local authority day care expenditure is pitched lower than care homes and home care because a) access to publicly funded day care is not means tested and b) day care is probbaly a less attractive mode of provision to the middle classes than home care. <
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There is no data source of privately paid day care. Day care is not registered per se by CSCI. Most independent sector day care is probably provided by care homes. The 'guesstimate' of private day care expenditure as 10% of local authority day care expenditure is pitched lower than care homes and home care because a) access to publicly funded day care is not means tested and b) day care is probbaly a less attractive mode of provision to the middle classes than home care. <
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Source: PSS EXPENDITURE, ALL UNITARY AUTHORITIES IN WALES 2003/04  http://www.statswales.wales.gov.uk/ReportFolders/reportFolders.aspx<
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Source: PSS EXPENDITURE, ALL UNITARY AUTHORITIES IN WALES 2003/04  http://www.statswales.wales.gov.uk/ReportFolders/reportFolders.aspx<
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Source: PSS EXPENDITURE, ALL UNITARY AUTHORITIES IN WALES 2003/04  http://www.statswales.wales.gov.uk/ReportFolders/reportFolders.aspx<
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Source: PSS EXPENDITURE, ALL UNITARY AUTHORITIES IN WALES 2003/04  http://www.statswales.wales.gov.uk/ReportFolders/reportFolders.aspx<
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Source: PSS EXPENDITURE, ALL UNITARY AUTHORITIES IN WALES 2003/04  http://www.statswales.wales.gov.uk/ReportFolders/reportFolders.aspx<
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Data on community health services are derived from Table 2.4.1 (NHS EXPENDITURE ON SERVICES FOR COMMUNITY CARE (200304 PRICES) ENGLAND) in the Department of Health's memorandum of information in response to written questions from the House of Commons Health Committee  http://www.publications.parliament.uk/pa/cm200506/cmselect/cmhealth/736/736iii.pdf.<
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NHS cost taken from NHS reference costs 200304, NHS Trusts and PCTs combined  TREHAB sheet, 'Elderly' 158 per night. http://www.dh.gov.uk/assetRoot/04/10/55/53/04105553.xls<
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Source: PSS EXPENDITURE, ALL UNITARY AUTHORITIES IN WALES 2003/04  http://www.statswales.wales.gov.uk/ReportFolders/reportFolders.aspx<
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Source: PSS EXPENDITURE, ALL UNITARY AUTHORITIES IN WALES 2003/04  http://www.statswales.wales.gov.uk/ReportFolders/reportFolders.aspx<
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Estimated from England pro rata with Wales / England ratio of independent nursing care beds. <
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Estimated from England pro rata with Wales / England ratio of independent nursing care beds. <
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Welsh Assermbly Government bed statistics at 90% occupancy<
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Welsh Assermbly Government bed statistics at 90% occupancy<
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Estimated from Welsh Assermbly Government bed statistics at 90% occupancy<
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Estimated to be the same as England.<
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Estimated to be the same as England.<
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Estimated to be the same as England.<
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<William Laing:
NHS cost taken from NHS reference costs 200304, NHS Trusts and PCTs combined  TREHAB sheet, 'Elderly' 158 per night. http://www.dh.gov.uk/assetRoot/04/10/55/53/04105553.xls<
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NHS cost taken from NHS reference costs 200304, NHS Trusts and PCTs combined  TREHAB sheet, 'Elderly' 158 per night. http://www.dh.gov.uk/assetRoot/04/10/55/53/04105553.xls<
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Estimated from England pro rata with ratio of Wales / England independent nursing care beds.<
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<William Laing:
Value of home care and home help from unregistered providers is unknown, but may run into billions. It is not identified in government surveys such as Family Expenditure Survey and Family Resources Survey. Most unregistered services are presumably sourced in the grey economy. It must be assumed that a large share of Attendance Allowance is absorbed by the grey economy since the scale of AA is far larger than known personal expenditure on registered care providers. <
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<William Laing:
There are no readily available data on private expenditure on equipment and adaptations. Spending may be substantial, for example on widely advertised items such as stair lifts.<
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There are no readily available data on private expenditure on meals on wheels or their equivalent. Spending is unlikely to be substantial.<
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Sweepup category. No data.<
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Number of residents not supported by either local authorities or the NHS times average gross fees (including RNCC).<
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Q<RWilliam Laing:
Estimated free nursing budget of 41m for 2005/06 allocated according to proportion of persons IN ENGLAND identified as entitled to free nursing in the DH surveys of 2002 and 2003 (see Free nursing worksheet). Numbers of mentally ill and learning disabled free nursing recipients under the age of 65 assumed to be minimal.<
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L<MWilliam Laing:
Estimated from UK pro rata with bed numbers for older people.<
M 8Lxx
$
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T<UWilliam Laing:
Laing & Buisson Care of Elderly People Market Survey 2005, Table 7.2.<
X STxx
$
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T<UWilliam Laing:
Laing & Buisson Care of Elderly People Market Survey 2005, Table 7.2.<
M ^Txx
$
6DXPP?
\sDt]4@DC
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<William Laing:
Age split of RNCC recipients is assumed to be the same as the age split of all independent sector nursing care residents, Care of Elderly People Market Survey 2005, Table 6.1<
M O.r xx
$
6DXPP?
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<William Laing:
Age split of RNCC recipients is assumed to be the same as the age split of all independent sector nursing care residents, Care of Elderly People Market Survey 2005, Table 6.1<
M O.r xx
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T<UWilliam Laing:
Laing & Buisson Care of Elderly People Market Survey 2005, Table 8.2.<
M ^T de~~
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<William Laing:
Number of residents not supported by either local authorities or the NHS times average gross fees (including RNCC).<
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<William Laing:
Source: PSS EXPENDITURE IN 2003/04  www.dh.gov.uk/assetRoot/04/10/41/59/04104159.xls. Expenditure includes overheads allocated to service lines on a prorata basis.<
M Pth~~
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ix!]4@DPC
ӿWilliam Laing:
Estimated pro rata with England by population.<
M =xx
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C<DWilliam Laing:
Age split pro rata with local authority expenditure.<
M C@A~~
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C<DWilliam Laing:
Age split pro rata with local authority expenditure.<
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<William Laing:
The Office of Fair Trading study of care homes published in May 2005 (OFT, 2005). Annex F: Survey of older people in care homes found that 33 per cent of local authority funded residents interviewed had their fees part paid by a 3rd party topup.<
M w~~
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<William Laing:
Source: PSS EXPENDITURE IN 2003/04  www.dh.gov.uk/assetRoot/04/10/41/59/04104159.xls. Expenditure includes overheads allocated to service lines on a prorata basis.<
M P ~~
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<William Laing:
Source: PSS EXPENDITURE IN 2003/04  www.dh.gov.uk/assetRoot/04/10/41/59/04104159.xls. Expenditure includes overheads allocated to service lines on a prorata basis.<
M P ~~
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<William Laing:
Source: PSS EXPENDITURE IN 2003/04  www.dh.gov.uk/assetRoot/04/10/41/59/04104159.xls. Expenditure includes overheads allocated to service lines on a prorata basis.<
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<William Laing:
Source: PSS EXPENDITURE IN 2003/04  www.dh.gov.uk/assetRoot/04/10/41/59/04104159.xls. Expenditure includes overheads allocated to service lines on a prorata basis.<
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<William Laing:
Source: PSS EXPENDITURE IN 2003/04  www.dh.gov.uk/assetRoot/04/10/41/59/04104159.xls. Expenditure includes overheads allocated to service lines on a prorata basis.<
M P~~
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<William Laing:
Source: PSS EXPENDITURE IN 2003/04  www.dh.gov.uk/assetRoot/04/10/41/59/04104159.xls. Expenditure includes overheads allocated to service lines on a prorata basis.<
M P~~
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<William Laing:
There is no data source of privately paid day care. Day care is not registered per se by CSCI. Most independent sector day care is probably provided by care homes. The 'guesstimate' of private day care expenditure as 10% of local authority day care expenditure is pitched lower than care homes and home care because a) access to publicly funded day care is not means tested and b) day care is probbaly a less attractive mode of provision to the middle classes than home care. <
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<William Laing:
There is no data source of privately paid day care. Day care is not registered per se by CSCI. Most independent sector day care is probably provided by care homes. The 'guesstimate' of private day care expenditure as 10% of local authority day care expenditure is pitched lower than care homes and home care because a) access to publicly funded day care is not means tested and b) day care is probbaly a less attractive mode of provision to the middle classes than home care. <
M ~~
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<William Laing:
Source: PSS EXPENDITURE IN 2003/04  www.dh.gov.uk/assetRoot/04/10/41/59/04104159.xls. Expenditure includes overheads allocated to service lines on a prorata basis.<
M P~~
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<William Laing:
Source: PSS EXPENDITURE IN 2003/04  www.dh.gov.uk/assetRoot/04/10/41/59/04104159.xls. Expenditure includes overheads allocated to service lines on a prorata basis.<
M P~~
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<William Laing:
Source: PSS EXPENDITURE IN 2003/04  www.dh.gov.uk/assetRoot/04/10/41/59/04104159.xls. Expenditure includes overheads allocated to service lines on a prorata basis.<
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<William Laing:
Source: PSS EXPENDITURE IN 2003/04  www.dh.gov.uk/assetRoot/04/10/41/59/04104159.xls. Expenditure includes overheads allocated to service lines on a prorata basis.<
M P~~
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<William Laing:
Source: PSS EXPENDITURE IN 2003/04  www.dh.gov.uk/assetRoot/04/10/41/59/04104159.xls. Expenditure includes overheads allocated to service lines on a prorata basis.<
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r<sWilliam Laing:
Data on community health services are derived from Table 2.4.1 (NHS EXPENDITURE ON SERVICES FOR COMMUNITY CARE (200304 PRICES) ENGLAND) in the Department of Health's memorandum of information in response to written questions from the House of Commons Health Committee  http://www.publications.parliament.uk/pa/cm200506/cmselect/cmhealth/736/736iii.pdf.<
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<William Laing:
Data onhousing related community care services are derived from Table 2.4.1 (NHS EXPENDITURE ON SERVICES FOR COMMUNITY CARE (200304 PRICES) ENGLAND) in the Department of Health's memorandum of information in response to written questions from the House of Commons Health Committee  http://www.publications.parliament.uk/pa/cm200506/cmselect/cmhealth/736/736iii.pdf.<
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<William Laing:
Source: PSS EXPENDITURE IN 2003/04  www.dh.gov.uk/assetRoot/04/10/41/59/04104159.xls. Expenditure includes overheads allocated to service lines on a prorata basis.<
M Pic~~
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<William Laing:
Source: PSS EXPENDITURE IN 2003/04  www.dh.gov.uk/assetRoot/04/10/41/59/04104159.xls. Expenditure includes overheads allocated to service lines on a prorata basis.<
M P+be~~
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<William Laing:
NHS cost rebased from NHS reference costs 200304, NHS Trusts and PCTs combined  TREHAB sheet, 'Other Patients' 194 per night. http://www.dh.gov.uk/assetRoot/04/10/55/53/04105553.xls<
M eiaxx
1$
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o<pWilliam Laing:
Estimated from England pro rata with Scotland / England ratio of independent nursing care beds. <
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2$
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o<pWilliam Laing:
Estimated from England pro rata with Scotland / England ratio of independent nursing care beds. <
M od xx
4$
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7<8William Laing:
Scottish bed statistics at 90% occupancy<
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K<LWilliam Laing:
Estimated from past Scottish bed statistics at 90% occupancy<
M 3K %xx
6$
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3<4William Laing:
Estimated to be the same as England.<
M 3 H`,xx
7$
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3<4William Laing:
Estimated to be the same as England.<
M 3
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3<4William Laing:
Estimated to be the same as England.<
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<William Laing:
Value of home care and home help from unregistered providers is unknown, but may run into billions. It is not identified in government surveys such as Family Expenditure Survey and Family Resources Survey. Most unregistered services are presumably sourced in the grey economy. It must be assumed that a large share of Attendance Allowance is absorbed by the grey economy since the scale of AA is far larger than known personal expenditure on registered care providers. <
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<William Laing:
There are no readily available data on private expenditure on meals on wheels or their equivalent. Spending is unlikely to be substantial.<
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Sweepup category. No data.<
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1<2William Laing:
Source: Care Homes Scotland, March 2005  28,661 older residents in all care homes for older people, divided between nursing and residential care pro rata with beds (Care of Elderly Market Survey 2005 Chapter 5 Appendix, Scotland) and divided beteen funding sources pro rata with Table 7.2.<
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p<qWilliam Laing:
http://www.isdscotland.org/isd/files/Annual_trends_in_available_beds_March 2005_Nov05_release.xls<
M pT0~~
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miwi]4C@#D8&C
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<William Laing:
NHS cost rebased from NHS reference costs 200304, NHS Trusts and PCTs combined  TREHAB sheet, 'Other Patients' 194 per night. http://www.dh.gov.uk/assetRoot/04/10/55/53/04105553.xls<
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<William Laing:
NHS cost taken from NHS reference costs 200304, NHS Trusts and PCTs combined  TMHi sheet, 'Elderly' 186 per night. http://www.dh.gov.uk/assetRoot/04/10/55/53/04105553.xls<
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<William Laing:
NHS cost taken from NHS reference costs 200304, NHS Trusts and PCTs combined  TREHAB sheet, 'Elderly' 158 per night. http://www.dh.gov.uk/assetRoot/04/10/55/53/04105553.xls<
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including the personal care component as well for those residents in receipt of the nursing care component<
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s<tWilliam Laing:
Estimated free nursing and personal care (in care homes) budget of 60m for 2005/06 allocated according to proportion of persons IN ENGLAND identified as entitled to free nursing in the DH surveys of 2002 and 2003 (see Free nursing worksheet). Numbers of mentally ill and learning disabled free nursing recipients under the age of 65 assumed to be minimal.<
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<William Laing:
There are no readily available data on private expenditure on equipment and adaptations. Spending may be substantial, for example on widely advertised items such as stair lifts.<
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<William Laing:
Source: PSS EXPENDITURE, ALL UNITARY AUTHORITIES IN WALES 2003/04  http://www.statswales.wales.gov.uk/ReportFolders/reportFolders.aspx<
M xx
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E<FWilliam Laing:
Based on view (D Bell) that growth tailed off in 2005.<
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