1.

2010 Risk and Savings economic assumption changes include £341m (2009: £125m) relating to the decrease in the UK risk discount rate in 2010 from 8.0% to 7.3%, and £39m as a result of a fall in expense inflation assumptions. These are offset by £(138)m as a result of the lower expected returns, higher cost of capital on increased annuity reserves and other consequential impacts within lower yielding environments.