I had my reply today it says " Any predictions or estimates are made with an assumption of 4% growth but unfortunately the actual rate of inflation has been a lot lower ( nearer to 1-2%)
Thank you Stoop I really appreciate your offer I truly do not understand it all, Iv been getting regular predictions, I am now really concerned about my husband's whose will be our main scource of income as he must have lost an awful lot!
I will get all the info together and pm you, thanks again