What the numbers actually say, once the headlines are set aside.
The change has been coming for a while, but it only became obvious this year.
Where to go from here
The figures move about, but the direction has been the same for three years. Nobody is required to explain this to you, which is half the problem.
What to check first
Most of the confusion comes from two terms that sound alike and mean different things. Nobody is required to explain this to you, which is half the problem.
What it costs
Most of the confusion comes from two terms that sound alike and mean different things. The exceptions matter more than the rule, and there are three of them.
None of this is urgent, but it is worth an hour before the next renewal.
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