To align the two, it would be necessary to make adjustments for systemic factors which undercompensate personal injury victims, notably discounts applied for litigation risk (most cases settle out of court), the inadequacy of the law in relation to claims for the capital cost of accommodation (which require the claimant to bear some or all of the cost), the inability to allow for real growth in earnings-based costs (above price inflation) and the risk of survival beyond an assumed date...