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Citizen Facing Forms

Introduction

IEG4’s forms enable councils to provide simple to use, powerful online services that citizens can access 24/7 on the device of their choice. Indeed, IEG4 is a trusted partner to local authorities with our online forms chosen by one in every five councils.

Our focus as a company is to deliver digital transformation that is simple and effective irrespective of the complexity of the services. With that in mind, IEG4 forms are designed to provide intelligent and intelligible services for citizens to request, report, apply for some of the highest volume and most complex services in local government. Our focus on delivering better outcomes means that many of our services are simpler to complete than competing products and yet achieve higher levels of automation.

In 2011, we introduced the first example of automation with our online changes form for Housing Benefits and Council Tax support, which could securely authenticate the citizen and personalise their experience. Some of the largest councils that administer Housing Benefits and Council Tax Support in England e.g. Leeds City Council choose IEG4 to provide their digital benefit services.

In 2017, we built the first Taxi Licence Renewal form that was able to authenticate the taxi driver and enable their existing licence details to be retrieved. This shortens the length of the form; ensures we’re not asking the citizen for something they have previously provided, and enables full automation of the update to the licensing application.

In 2018, we built Council Tax online forms that were able to automate updates from citizens at higher rates than Robotic Process Automation (RPA). This involved the orchestration of over 20 API updates to the back-office council tax system. The councils using IEG4’s Council Tax forms are achieving close to 100% automation in what is one of the most complex and highest volume areas of any council.

This year we have added a new Bulky Waste service to our already powerful Missed Bin and Request a Bin services. With integration to four separate systems (Waste Management, Benefits, Payment Management and Workflow), it enables bulky waste requests to be simple to complete, compliant with the council’s policies, for payment to be captured and for the transaction to be fully automated.

Our online forms have been designed from the ground up to be mobile-responsive, work natively in a cloud architecture. Close to three million online forms have been submitted since IEG4 moved to exclusively using Microsoft Azure hosting.

LGaaP Services

IEG4 has an entire library of digital services provides a ‘Council in a box’ represents an opportunity for local authorities to make a step change forward with their digital strategies, wherever they are in the journey.

These come as a part of being licensed to our OneVu or eDesigner services. Content within the online forms can be edited using the built-in text editor. This means that question wording, guidance notes and help text will be editable by individual councils to suit their own needs. This includes the ability to support additional languages e.g. Welsh.

Services/forms are continuously being added to the Local Government as a Platform (LGaaP) store by customers using the eDesigner module and any of the forms in the library can be added to / manipulated with eDesigner (if this is licensed) too. Forms cover all of the following departments with some examples :

• Council Tax (e.g. Request a refund/Report a death/Evidence Upload)

• Benefits (Two Homes Payments/Overpayment Arrangement)

• Bins & Waste (Request an Assisted Collection)

• Business Rates (Summons Payment Arrangement/Evidence Upload)

• Customer Services (COVID – Request Assistance/Comments, Complaints, Feedback)

• Environmental Health (Report Fly Tipping/Report Graffiti)

• Housing (Housing Needs Enquiry/Report Housing Disrepair)

• Human Resources (Job Application/Report Absence)

• Licensing (House of Multiple Occupation Licence application)

• Miscellaneous (Parking Waiver Application/Visiting Team Referral)

• Planning / Building Control (Building Control inspection request/Report planning breach)

• Social Care (Report domestic violence)

List of available LGaaP services

The following is the full list of online forms IEG4 provide and our customers have built. Forms built by customers with eDesigner can be shared across councils to avoid re-inventing the wheel and benefit from a community of users:

Simply make a request through the help desk:

If you have eDesigner and have built a new form you think others would be interested in please let us know on the eDesigner Microsoft Teams Board here:

This list of forms also includes the powerful product forms IEG4 provides so as to enable one to understand the vast scale of the library.

The vast majority of forms are available at no charge, however, we do reserve the right to charge for the more complex forms, with 25% of any charge returning to the originating council (in the form of a credit against IEG4 invoices) to recognise the effort that went into these by the council.

This Guide

This guide is broken down into two sections.

The Shared Features/Settings that all forms IEG4 provide can take advantage of.
The department specific forms and the functionality they specifically provide

Platform Functionality

All IEG4's online form's shared common 'platform' level functions. Details of these can be found in the Platform Functionality section here:

Integration Error Guidance

The following table lists common integration failures that can occur when forms submit and outline the cause and what to do to resolve them.

Issue

Cause

What to do?

Endpoint not found

Your integration proxy service (also known as the service bus) is not running

Contact your IT to restart the integration proxy service (also known as the service bus)

This request operation sent to sb://egovhub-xxxx.servicebus.windows.net/Broker/ did not receive a reply within the configured timeout (00:01:00).

Your integration proxy service (also known as the service bus) is not running

Contact your IT to restart the integration proxy service (also known as the service bus)

Benefit/Welfare Forms

Introduction

IEG4’s Benefit services are some of the most intelligent and powerful services delivered to councils.

Combining legislative compliance with technical acumen, IEG4’s benefit services enable citizens to apply for / report changes quickly and easily; with the data/content/supporting documentation automatically updated into back-office applications.

eClaim

IEG4’s eClaim enables citizens to apply for help with:

Housing Benefit
Local Council Tax Support/Reduction/Discount
Free School Meals / School Clothing Allowance

With an intuitive and dynamic design, IEG4’s eClaim means a citizen’s online form scales (becomes smaller or larger) reflective of their circumstances. The number of pages is kept to a minimum as a result. Equally, where a person’s circumstances are complex, the form expands in scale to handle this.

To ensure data is always provided accurately there is validation on fields that will clearly show where an issue lies. E.g. a National Insurance number entered incorrectly. Help can be added/edited/ accessed with buttons able to be added against every single question.

The eClaim is designed to ask questions contextually, maximise digital usage and welfare uptake. So, where a child is added it is possible to add expenses like childcare costs as well as to apply for Free School Meals where the person meets the relevant qualifying criteria.

Local Council Tax Support

To ensure that the eClaim adapts to your local council tax support scheme, there are dedicated

settings such that you can:

Ask for proof of capital even where the person is ‘passported’ because your capital thresholds are below the standard £16,000 level
Ask whether the person is within a ‘vulnerable’ group and therefore exempt from the normal working age rules e.g. in receipt of Personal Independence Payment/has a child under five
Set different maximum periods for backdating

The eClaim also dynamically detects whether the person is of pension age using their date of birth

and pension equalisation rules. Therefore, ensuring that working age specific rules for LCTS are complied with.

Universal Credit

To ensure councils could have as much information as possible in circumstances where the person is claiming UC, the eClaim has a dedicated page for Universal Credit. Designed in the exact layout of the UC Award letter, the page captures all the details of the person's UC award meaning the officer can make a better-informed decision on assessment.

There is also additional dynamic behaviour in the form such that where a person states that they have applied for/or are in receipt of Universal Credit no questions about tenancy, landlord, housing benefit payment are asked for unless the claimant is within an exempt group e.g. Supported Accommodation.

It is also possible, via settings, to request proof of Universal Credit on the evidence page.

Dynamic Evidence

Based upon the circumstances of the citizen, the eClaim will provide the user with the specific items that need to be provided in order to support their application:

The user is able to provide this information online and the form will ‘track’ what has and has not been provided so that, upon submission, the user is told what they still need to provide should anything be outstanding.

So, if a person was told five items were required and they uploaded evidence for four, upon submission the remaining item would be shown as outstanding.

The citizen can then come back and upload these within a set period of time (normally one month) with this information then being passed to the EDMS. You can see below what the user sees upon submission where something remains outstanding.

Note that there is a ‘catch all’ Upload Supporting Documentation option which is there to cater for ad hoc/subsequent evidence uploads because the initial documentation uploaded was unsatisfactory.

Fast Track

The fast track functionality provided within the eClaim ensures that citizens are provided with the ability to choose to provide all of their evidence prior to submission in order to have their claim processed quicker.

If a citizen does not choose the fast track method they will have their application processed in the standard SLA for that council:

Where the citizen opts into Fast Track, the council is able to let the citizen know how long it will be before it is processed; but this will be significantly quicker than the standard SLA:

The beauty of this functionality being embedded into a digital service is that the council gets all of the evidence it needs to process the claim on day one and the citizen is ensuring their claim is processed much faster than it otherwise would have.

Enhanced EDMS integration for Fast Track

When citizens submit a claim/change using Fast Track, the service is able to dynamically inform the EDMS application:

1. That the application/change is fast track or not

2. Separately identify the specific type of evidence as well as indicate whether it is linked to a fast track claim/change or not

Fast Track Settings

Enabling of Fast Track is done by IEG4 so please contact help.ieg4.com to have this enabled for eClaim or eChanges.

The following settings are also present where a council ALSO has Risk Based Verification:

Benefit App Integration

The eClaim is capable of integrating to the following back-office applications using national benefit schema (which IEG4 is the custodian of) driven APIs:

Capita
Civica
NEC

The integration we have is:

Bi-directional (we pull and push data from and to the back office application)
Secure (we provide you with an , which sits on your council network and provides a secure outbound connection to council's own Microsoft Azure instance)

For eClaim, we search the back office to see if there is an existing claim already held i.e. a cancelled/expired one to prevent duplication.

If one is found the claim reference is appended to the new claim data sent to the back office, which links the two things together.

Plus, the form's PDF and any associated evidence can also be indexed with an existing claim reference.

The integration to the back office, i.e. where the data is posted to is set up by IEG4 staff. Therefore if the URL for your back office application changes, (for Capita integration, this also includes the ABC security credentials), you'll need to raise a ticket for this to be done:

Please use this link to raise any new support calls:

And this link is to access details about previous support calls you have raised: (you may be required to Register as a new user, which is simple and quick to do)

EDMS Integration

The eClaim is capable of and has proven integration to the following widely used back-office EDM applications:

Information@Work / NEC DM
Civica W2/360/Comino
Civica Workflow
IDOX
OpenText
ICLipse
IEG4 OpenProcess

Reporting

eClaim comes with rich PowerBI enabled reports. The reports available are:

Summary

This report provides a dashboard with:
- Numbers or completed forms vs incomplete
- % where integration was successful
- Forms by gender
- By Channel
- % breakdown by risk category

Owing to the interrelationships in place within the dashboard, it is possible to filter the dashboard by clicking on segments of the donut charts.

Year-on-year analysis

To enable Benefit managers to measure the transformation of their services and of impacts of legislative changes (such as the introduction of Universal Credit) there is a year-on-year analysis report:

Again, this provides the means to click on a given month and filter the results, as well as see trends on numbers. The data can be viewed in a table and exported to CSV for interpretation in Microsoft Excel etc.

General analysis

The general analysis report enables Benefit managers to see the breakdown of:

Age groups
Session duration i.e. from when they started the form to when they submitted it
The number of pages visited during the completion of the eClaim
The ethnic groups

Geographical analysis

Being able to understand the areas (Council wards) where you are receiving the greatest volumes of claims ensures that relevant councillors are aware and that communications can be targeted most effectively.

Risk analysis summary

With this report Benefit Managers can see, at a glance, how their risk profiling has changed over time.

Risk analysis breakdown

With this set of visuals, the Council is able to see how risk is portrayed across different metrics like age groups, gender, who completed it.

Incomplete Forms analysis

With this report the council is able to see which pages claimants are abandoning the form on. We can see (below) that the overwhelming number of people are only looking at the guidance notes and not proceeding. This illustrates that the bulk of people that started but did not complete it did not actually intend to progress with their claim but provide focus on those that have.

Integration Error analysis

This report allows one to see the numbers by form access method and the specific reasons for failures over time.

Average page duration analysis

This report provides the council with the means to see which pages are taking longest to complete and therefore provide the basis for reviewing the content of these and potentially updating them using the built-in edit mode features of eClaim.

Form Level Settings

The following lists all of the settings in the eClaim form and what they do.

Name

Description

SourceId

This setting tells the back office the source of the claim and should be IEG4

SourceIdMode

This setting has three modes and is used for the NEC back office. It means that you can control what is shown in External Items for claims. Option 1 - SourceIdMode of “eFormReference” = means the IEG4 form reference will be sent to NEC as the Source Option 2 - SourceIdMode of “ClaimantName” = means the claimant's name will be sent to NEC as the Source Option 3 - SourceIdMode of “Composite” = means that the form ref and claimant name will be sent to NEC as the Source

SourceUserId

This should be set to IEG4User

UserId

Form Configuration (Files)

Configuration files are files that can augment / improve the control you have over the functionality in the form beyond the settings.

Configuration files are generally in XML format and so please ensure the XML file is still valid are you finish your edits. You can check an XML file is valid using the following:

https://www.samltool.com/prettyprint.php

For the eClaim, there are 7 and these files are covered below:

evidencerules.xml

The purpose of this file is to enable one to control, which evidence is presented dynamically to the citizen when NO Risk Based Verification service is enabled. I.e. This is the default configuration file.

You don't need to ever change this file. It's just to explain you can if you want to.

Example file

Note - this file is bigger than this - we've taken an excerpt.

Basically this file enables you to control when each of the different evidence paragraphs appear in the eClaim based upon the person's circumstances provided.

For example, there is an evidence resource called Rule_Identity.

And within that section there is a Rules section that outlines the rules

The rule is saying if there is a surname present for the claimant, which there always will be, ask for proof of identity.

livingsituation.xml

This is an important file in the context of eClaim. The contents of it control:

a) What appears in this list:

b) The behaviour of the option selected

Example file

The file contains a section for each drop down option. The following shows the file with only the first drop down option populates for simplicity of understanding:

The following elements are responsible for different behaviours:

ratesandvalueslcts.xml

Example file

Enables you to change the rates of:

DLA Care
DLA Mobility
PIP Daily Living
PIP Mobility

As and when they change annually.

Please remember to update these before each April.

This file also has the ability, should it ever change, to update the number of hours that are taken into account before a Non-Dependant Deduction is taken.

vulnerabilitytype.xml

This file is specific to Local Council Tax Support.

It enables a council to set a list of different circumstances that should be exempt from the local council tax support scheme in the same way pensioners are.

Example file

The following illustrates an example file with four different vulnerability options:

Simply remove any items or edit the above file if you want to change the default options. These four options end up showing as follows:

You can add additional options by simply adding another section like the following below the above:

The vulnerability file and the resulting list are only shown if the setting LCTS_SupportVulnerablePeople is set to true.

cvwarningconfiguration.xml

This file enables councils using the CallValidate functionality to present a warning to staff based upon the responses back from the TransUnion CallValidate API call.

Example file

There are the following types that can be presented as warnings:

AddressPickListWarning
BankAccountClosedWarning
CardAccountClosedWarning
NamePickListWarning

You can choose to make them active or not in this file.

evidencerulescoactiva.xml

The evidencerulescoactiva.xml file controls the evidence paragraphs presented to customers, like the evidencerules.xml file but with additional behaviours to dynamically reflect Risk Score.

You don't need to ever change this file. It's just to explain you can if you want to.

The file is largely the same as the evidencerules.xml file but at the top it has a dedicated section that enables the evidence requested to be set for each risk score.

Example file

For example - the following shows the different paragraphs that are applicable where the risk score is 1:

The section after that then covers the rules on which evidence to show from the eligible paragraphs set above. I.e. What are the person's circumstances establishes the evidence blocks applicable. A further check is then done against the risk score rules to see if that evidence block should be shown. So a person would be asked for proof of earnings if their risk score was 1 because this is present in the risk rule for 1:

But it wouldn't be shown where the risk score was 12 because the paragraph for Rule_Earnings does not exist in this risk group:

evidencerulesxantura.xml

This file is identical to the evidencerulescoactiva.xml one, except that:

a) It is where the Xantura RBV service is in use

b) It has a risk score range of 1-15 rather than 1-12

Value Add Functionality

There are a couple of additional, optional modules that can be provided with eClaim:

Risk Based Verification
CallValidate - ID and Bank Account Verification

Details of these is found next.

Call Validate - ID Checking

Introduction

In January of this year seven benefit assessors across three separate London councils took advantage of their roles to commit over £1m in benefit fraud.

Using false identity documents and bank accounts they had access to, they took advantage of the roles they had to achieve staggering levels of fraud and extrapolate funds from the public purse when it can least afford it. This being reported just one year after a similar fraud happening across London in Harrow

Cases like these are the reason why benefit applications have laborious verification processes in place that actually slow the administration process down for everyone. In 2011, Risk Based Verification (RBV) became mainstream with the publication of the S11 Circular. RBV recognises that there are specific combinations of variables on claims that means some claims do not need the full amount of evidence the old school Verification Framework suggested. In fact 55%+ of claims actually fall into the low risk category meaning only proof of ID is required. This led to IEG4 building RBV integration into both its and (for Housing Benefit / Council Tax Support) products.

However, to get to the pinnacle of evidence verification we considered how we could automate this even further. This led us to realise that if we could:

Confirm Identity in real time
Validate the bank account details a person provides are not just valid but that they relate to that person claiming

We could remove all evidence requirements from those in the low risk category and simultaneously prevent the types of fraud happening in the two articles previously. Working with the London Borough of Lambeth and , IEG4 has integrated its online benefit claim service with to achieve precisely this.

Now when a benefit claimant makes an application their identity is checked in real time and evidence required dynamically updated. If they have indicated they want the money paid to themselves and the bank details they have provided do not relate to them, it will actually prevent submission. By leveraging real time web service calls powered by smart credit reference agency functions, we have ensured fraud is removed is prevented intelligently and the many get their applications processed quicker.

Like with the introduction of Risk Based Verification, IEG4 is the first online service provider to integrate to CallValidate into an online form. This release covers the introduction of this functionality into the eClaim (for Housing Benefit/Council Tax Support/Discount).

Functionality

The bulk of the functionality provided in this additional (necessarily chargeable) module is under the hood but at the highest level the functionality is:

The ability to send details of both the claimant AND a partner if there is one to the CallValidate service in real time to:
1. confirm the claimant/partner's identity
2. confirm the bank account they have provided is valid and relates to them

This is a visual and clear addition that does not exist without this functionality. So if a person provides spurious data for the bank account they wish the benefit to be paid to i.e. incorrect and importantly not their bank account they will be presented with the following in the nav menu:

And this at the foot of the the actual 'Paying Benefit' page:

4) The ability to surface the details of the checks done/outcomes on the PDF officers see in document management

This is probably the most visual element of this functionality in that it illustrates the outcome of the checks. There are three high level categories of response and these are that:

a) the identity was confirmed. SeeIdentity Result - Yes

This is the high level information returned from the CallValidate check. The details shown on the PDF can be customised by you and can show any of the data provided in the XML response (see point 6) from TransUnion.

b) The identity was confirmed with warnings. See Identity Result -YesWarningPresent

Here we can see there is a warning in that whilst the identity has been matched against 5 separate DOB checks for that address, there is a doubt on the length of time they've been resident.

A warning is for information it can still mean ID is not required.

c) The identity was not confirmed. See Identity Result - Refer

Refer essentially means that the person's identity was not confirmed and an officer requires to check this:

5) The ability to surface the details of the checks done/outcomes in the back office application's claim notes for officers to refer to. This passes similar content to that on the PDF to the claim notes for the claim that gets created in Capita/Civica/Northgate Benefit systems.

6) The ability to view the response returned from in XML format for diagnosis purposes

This is accessed from the Forms Portal, as shown below:

Settings

The following settings, which will all be set by IEG4 control the ability to integrate to CallValidate. This is more for information that CVEnabled obviously needs to be true and each needs to have a value. The values in each setting other than CVEnabled will be different for test and live.

Risk Based Verification

The eClaim already provides a dynamic list of evidence to the citizen but, with RBV enabled, IEG4 can integrate with RBV services to:

• Retrieve a risk score between 1-12

• Assign the risk category Low, Medium and High

• Dynamically reduce the evidence list if the risk is low

• Dynamically insert a risk category specific paragraph to let the citizen know if they can provide

originals and/or scanned/uploaded documents

• Determine whether an upload button should be shown e.g. on High Risk a council can choose to

hide this functionality.

• Add the risk score to the cover page of the eClaim PDF passed to the back-office EDMS

• Add the risk to the XML passed to the back-office processing application

• Dynamically enable/disable fast track based upon the risk score

The risk score can therefore be seen by the back-office staff on the PDF, in the back-office application and within our Forms Portal.

IEG4 is able to integrate to both of the following RBV service providers:

TransUnion
Xantura

Settings

The following are the settings in eClaim specific to Risk Based Verification:

RbvEnabled

If true Risk Based Verification will be enabled.

RbvSource

This will be either Coactiva (TransUnion RBV) or Xantura (Xantura RBV) which are the two different RBV suppliers.

RbvSourceUrl

This will be the URL for the specific RBV service. This will be different between test and live.

RbvSourceCertificate

This will contain an encrypted version of the security certificate that allows communication between the eClaim and the RBV service.

RbvSourceCertificatePassword

In order that the final three settings work - clearly you need to ensure the EvidenceUpload functionality is enabled. I.e. these settings assume EvidenceUpload is set to true.

Configuration (Files)

Configuration files are files that can augment / improve the control you have over the functionality in the form beyond the settings.

Configuration files are generally in XML format and so please ensure the XML file is still valid are you finish your edits. You can check an XML file is valid using the following:

https://www.samltool.com/prettyprint.php

For the RBV, there are 2 and these files relate to the two RBV providers. TransUnion (formerly Coactiva) and Xantura.

evidencerulescoactiva.xml

The evidencerulescoactiva.xml file controls the evidence paragraphs presented to customers, like the evidencerules.xml file but with additional behaviours to dynamically reflect Risk Score.

You don't need to ever change this file. It's just to explain you can if you want to.

The file is largely the same as the evidencerules.xml file but at the top it has a dedicated section that enables the evidence requested to be set for each risk score.

Example file

For example - the following shows the different paragraphs that are applicable where the risk score is 1:

But it wouldn't be shown where the risk score was 12 because the paragraph for Rule_Earnings does not exist in this risk group:

evidencerulesxantura.xml

This file is identical to the evidencerulescoactiva.xml one, except that:

a) It is where the Xantura RBV service is in use

b) It has a risk score range of 1-15 rather than 1-12

Calculator

The eClaim comes with a benefit calculator, which is able to act as a standalone function or as a precursor to an application. I.e. it can be optional if the council wishes it to be so. The calculator is able to work out whether a person would be eligible to receive:

Housing Benefit AND / OR:
Council Tax Support (LCTS) / Council Tax Discount (banded scheme) (LCTD)

There is a huge amount of flexibility in how the calculation for LCTS/LCTD is worked out and unlike ‘standard’ calculators available online, this calculator is designed to calculate LCTS and LCTD precisely in line with your scheme. It has built-in intelligence around:

Universal Credit to only calculate LCTS unless a person lives in exempt accommodation
Pension equalisation rules to ensure the appropriate applicable amounts are calculated in real-time
Social Sector Size criteria (Bedroom Tax) to ensure the appropriate 14/25% reductions are made

Upon completion of the calculator the citizen is provided with a breakdown of their potential eligibility and three options on what to do next.

Namely:

Start an online application using the data already provided
Do another calculation using the details already provided (i.e. to cater for 'what if' scenarios)
Do a new calculation starting from scratch

Settings

The following are the settings that can/should be changed by users to suit their requirements:

Name

Description

LowestCTBand

This will default to A and should not be changed.

HighestCTBand

This will default to H and exists because in Wales the number of Council Tax Bands is higher and the highest band is I.

EnableTransferToClaimAfterCalc

If TRUE the Calculator will allow applicants to prepopulate a claim with the information they already provided when completing the calculator.

ShowCTAmountsAlongsideBand

Calculator Configuration

Configuration files are files that can augment / improve the control you have over the functionality in the form beyond the settings.

Configuration files are generally in XML format and so please ensure the XML file is still valid are you finish your edits. You can check an XML file is valid using the following:

For the Calculator, there are 4 and these files are covered below:

eChanges

IEG4’s eChanges service was designed in 2012 and still provides an unrivalled user experience for citizens wishing to report a change in circumstances to their benefit claim. Unparalleled in terms of its functionality, the eChanges solution:

Authenticates the citizen with the back-office application in real-time based upon their:
- Name
- Date of Birth
- National Insurance Number
- Post Code
Retrieves their claim information
Personalises the questions asked the citizen is asked about based upon the details held in the back-office system at that specific moment in time:
Pushes the details of the change(s) directly into Capita, Civica, Northgate systems and all major document management solutions.

In terms of some examples of personalisation, the eChanges form will dynamically:

not ask a claimant ‘Have you had a change in rent’ where no housing benefit is present on the claim
ask “Do you still work for ASDA?” where the employment information in the back-office shows they currently work for ASDA
list the household members present on the claim where someone is being moved out
show rent service charges where these are included in the calculation of their rent

The following are the change types catered for:

Change of address
Changes in household
Changes in income
Changes in capital

In essence, the eChanges form only asks questions contextual to the citizen's circumstances which means the form is inherently shorter and error is minimised - because they cannot report a change that is out-with their circumstances.

Intelligent Change Processing

Benefit rules mean that the effective date of a change is one of the most important values passed to the back-office application. In practice this means dealing with multiple changes. This can be complex for a user as they are required to ensure that the changes are placed in chronological order prior to being processed.

As you wouldn’t want to mandate to the citizen that they provide things chronologically rather than by type, the eChanges form handles all of the logic to derive the correct order for changes to be passed to and updated in the back-office. For example, a citizen reports:

Partner moved in on 21/11/2017
New earnings from 01/11/2017
A change in rent from 01/09/2017

The change in circumstances form will extrapolate out what needs to happen and will push XMLs to the back-office as follows: XML 1 01/09/2017 Change in rent

XML2 01/11/2017 Change in rent & New earnings

XML3 21/11/2017 Change in rent, New earnings & New partner

This intelligence ensures that the back-office benefit periods are updated in the exact same manner they would have been updated were the changes done manually.

Universal Credit

Citizens can report that they, their partner or non-dependent are now in receipt of Universal Credit and, where relevant, the user is presented with a page designed in the exact layout of the UC Award letter.

Like the eClaim, this page captures all of the details of the person's UC award. This means that the officer can make a better-informed decision on assessment.

Dynamic Evidence

Based upon the circumstances the claimant is reporting a change about, the eChanges form will dynamically tailor the evidence requested to complement the changes. The user is able to provide this information online and the form will ‘track’ what has and has not been provided so that, upon submission, the user is told what they still need to provide if anything is outstanding.

So, if a person was told five items were required and they uploaded evidence for four, upon submission the remaining item would be shown as outstanding. The citizen can then come back and upload these within a month with this information then being passed to the EDMS.

Evidence Settings

The following settings relate to changing evidence behaviour:

The following settings control types of evidence uploaded:

Evidence Configuration

Because evidence presented in the form is dynamic to a person's household, income etc. it is possible to configure when certain evidence requirements are asked for.

This is set up within the Form Configuration File - evidence.xml. Details at the following link:

Fast Track

The fast track functionality provided within the eChanges form ensures that citizens are provided with the ability to choose to provide all of their evidence prior to submission in order to have their claim processed quicker.

If a citizen does not choose the fast track method, they will have their application processed in the standard SLA for that council. Where the citizen opts in to Fast Track the council is able to let the citizen know how long it will be before it is processed; but this will be significantly quicker than the standard SLA.

The beauty of this service being embedded into a digital service is that the council gets all of the evidence it needs to process the claim on day one and the citizen is ensuring their claim is processed much faster than it otherwise would have.

Enhanced EDMS integration for Fast Track

When citizens submit a change(s) using Fast Track, the service is able to dynamically inform the EDMS application:

1. That the change is fast track or not

2. Separately identify the specific type of evidence as well as indicate whether it is linked to a fast track change or not

Fast Track Settings

Enabling of Fast Track is done by IEG4 so please contact help.ieg4.com to have this enabled for eClaim or eChanges.

The following settings are also present where a council ALSO has Risk Based Verification:

EDMS Integration

The eChanges is capable of and has proven integration to the following widely used back-office EDM applications:

Information@Work/ NEC DM
Civica W2/360/Comino
Civica Workflow
IDOX
OpenText
ICLipse
IEG4 OpenProcess

Both the form PDF and evidence uploaded during/after submission can be fully indexed automatically.

Universal Credit

Like the eClaim, this page captures all of the details of the person's UC award. This means that the officer can make a better-informed decision on assessment.

DfE - ECS

The DfE (Department for Education) - ECS (Eligibility Checking Service) will provide a real time response when requesting whether a person has entitlement to Free School Meals.

We send a message like this, which takes the data from the form to do so:


<?xml version="1.0"?>
<SubmitSingleQueryRequest xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <SystemId>SOMETHING</SystemId>
  <Password>APASSWORD</Password>
  <LocalAuthorityId>IEG4</LocalAuthorityId>
  <RequestedServiceVersion>20170701</RequestedServiceVersion>
  <UserToQuery>
    <Surname>MCMAHON</Surname>
    <DateOfBirth>1980-07-09</DateOfBirth>
    <NiNo>JK949233D</NiNo>
  </UserToQuery>
  <SourceType>CITIZEN</SourceType>
  <EligibilityCheckType>FSM</EligibilityCheckType>
  <ServiceType>SHARED</ServiceType>
</SubmitSingleQueryRequest>

And get a response like this if a person is eligible:

Important

If a person is eligible as a result of this check, the Benefit Check is bypassed as they already qualify for the payment.

Prerequisite

Getting access to the DfE's ECS is normally relatively tricky, as the council needs to complete documentation illustrating how any service will work and interact with their service, which contains relatively sensitive information.

IEG4 has a completed template for this where only a few localisations are required to make the process extremely quick.

The DfE will provide the necessary system, user, password information upon successfully passing the necessary checks.

Checking integrations

Sometimes you might want to know what the outcome of our checks of the following were:

Department for Education Eligibility Checking Service
Back office Benefit system

Within IEG4's Forms Portal, which you can read all about here:

It is possible in the Documents tab to see multiple files related to this.

So in the following:

We can see two files:

FSMQuery.xml - this is the request we sent to the DfE's ECS service
FSMResponse.xml - this is the response we received from the DfE's ECS service

If someone is ineligible as a result of the DfE's ECS check, we will then check eligibility to LCTS. In that case we log three additional files:

These are:

CurrentClaim.xml - this is the detail of the benefit claim found
PersonSearchRequest.xml - This is the search request to find the person in the benefit system
PersonSearchRequest.xml - This is the search response when trying to find the person in the benefit system

Having access to these files is useful if there is any doubt about eligibility.

Data Extract

Similar to the BACS Extract, it is possible to create an export of your data in a clear and intelligible manner.

As a part of your implementation you'll be provided with an application that you will simply need to provide it with:

From Date
To Date

And this will output an extract file that contains a row for each application with all of the following fields (where applicable):

Prerequisite

The application we will provide to is designed to run locally in your council.

So it has built in configuration which tells it how to go and capture these details from the cloud securely.

For security purposes we will provide the information required for the configuration file separately from the application package.

The only thing that you will add outside of this is the network path that you wish to write the file to.

Council Tax Forms

Real-time Checks

The power of the IEG4 solution and reason for the high automation levels its customers achieve are in the real-time checks that are built in.

These are designed to prevent exceptions and forms being submitted in circumstances where you would not want this to happen.

Prior to submission the Single Person Discount form will:

check if the council tax account number entered and the surname of the account holder match
retrieve the user’s address if they successfully authenticate in step 1
checks if there is already a single person discount on their account to prevent spurious activity
retrieve the current liable parties/named occupants to enable a user to indicate who has moved out where they are applying for a discount
checks the number of resulting occupants is 1 when they are applying for a discount and prevents submission if not
enables the user to add additional named occupants that were not present against the account i.e. cater for incomplete back-office data sets
check for the presence of a benefit claim and, where, present enable a benefit change of circumstances for people moving out
check in real-time, using the industry leading online bank verification service from Loqate (GBG Group) that the bank account details are valid prior to form submission where they want to pay by Direct Debit on the new account.

Discounts / Exemptions

Owing to the large number of Discounts, Exemptions and the different questions/supporting evidence needed, councils typically have many separate forms. However, digital should be about more than simply replicating paper, it should be an opportunity to provide something better. i.e. A solution that asks a citizen about their circumstances and, from that, guides them to the appropriate Discount/Exemption and the information they need to provide. This service enables citizens to provide details of who they are, the property in question and the means to apply for a reduction based on the person’s status, disability, or property. Supporting 27 different Discount/Exemption scenarios and Disabled Band Relief, it is a one-stop digital shop for citizens seeking reductions.

General Functionality

The form supports these four high level areas:

• Someone isdisregarded

• My property isempty

• My property has been adapted for someone

• The property is an exempt type For disregarded people, the following person statuses are supported:

Severely Mentally Impaired
Carer
School/College Leaver
Child BenefitRecipient

The following empty property statuses are supported:

Awaiting sale
Awaiting let to tenants
Awaiting occupation
It’s uninhabitable due to structural works

Real-time Checks

The power of the IEG4 solution and reason for the high automation levels its customers achieve are in the real-time checks that are built-in. These are designed to prevent exceptions and forms being submitted in circumstances where you would not want this to happen.

Prior to submission, the Refund form will:

check if the council tax account number entered and the surname of the account holder match
retrieve the user’s address if they successfully authenticate in step 1.
check for the presence of a refund
retrieve details of the balances of all years
offset any refund against monies if applicable to show the true credit
check if the account was previously paid via bank payment (DD) and if so default the refund payment details to go back to that account
where they want to pay a new account or did not previously pay via a bank account, we will check in real-time, using the industry-leading online bank verification service from Loqate (GBG Group) that the bank account details are valid prior to form submission.

<?xml version="1.0" encoding="utf-8"?>
<RatesAndValues formversion="1.0.0.0" V2FileReleaseID="2">
  <LCTS>
    <BandCap>Z</BandCap>
    <BandCapAnnualAmount>1000000</BandCapAnnualAmount>
    <MaximumLiabilityPercentage>100</MaximumLiabilityPercentage>
    <MaximumVulnerableGroupLiabilityPercentage>80</MaximumVulnerableGroupLiabilityPercentage>
    <BandA>890.13</BandA>
    <BandB>1038.49</BandB>
    <BandC>1186.85</BandC>
    <BandD>1335.21</BandD>
    <BandE>1631.92</BandE>
    <BandF>1928.64</BandF>
    <BandG>2225.34</BandG>
    <BandH>2670.41</BandH>
    <BandI>0</BandI>
    <MinimumAwardThreshold>0</MinimumAwardThreshold>
  </LCTS>
  <GeneralDetailsData>
    <PersonalAllowanceSingle16To24>57.90</PersonalAllowanceSingle16To24>
    <PersonalAllowanceSingle25To59>73.10</PersonalAllowanceSingle25To59>
    <PersonalAllowanceSingle60To64>159.35</PersonalAllowanceSingle60To64>
    <PersonalAllowanceSingle65Plus>172.55</PersonalAllowanceSingle65Plus>
    <PersonalAllowanceLoneParent16To17>57.90</PersonalAllowanceLoneParent16To17>
    <PersonalAllowanceLoneParent18To59>73.10</PersonalAllowanceLoneParent18To59>
    <PersonalAllowanceLoneParent60To64>159.35</PersonalAllowanceLoneParent60To64>
    <PersonalAllowanceLoneParent65Plus>172.55</PersonalAllowanceLoneParent65Plus>
    <PersonalAllowanceCoupleBothUnder18>87.50</PersonalAllowanceCoupleBothUnder18>
    <PersonalAllowanceCoupleOneOrBoth18To59>114.85</PersonalAllowanceCoupleOneOrBoth18To59>
    <PersonalAllowanceCoupleBoth60To64>243.25</PersonalAllowanceCoupleBoth60To64>
    <PersonalAllowanceCoupleOneOrBoth65Plus>258.15</PersonalAllowanceCoupleOneOrBoth65Plus>
    <PersonalAllowanceSingleOverPensionAge2021>177.10</PersonalAllowanceSingleOverPensionAge2021>
    <PersonalAllowanceLoneParentOverPensionAge2021>177.10</PersonalAllowanceLoneParentOverPensionAge2021>
    <PersonalAllowanceCoupleOneOrBothOverPensionAge2021>270.30</PersonalAllowanceCoupleOneOrBothOverPensionAge2021>
  </GeneralDetailsData>
  <ChildrenAndYoungAdultsData>
    <ChildPersonalAllowance>66.90</ChildPersonalAllowance>
    <FamilyPremiumNormalRate>0.00</FamilyPremiumNormalRate>
    <FamilyPremiumProtectedNormalRate>22.20</FamilyPremiumProtectedNormalRate>
    <DisabledChildPremium>60.90</DisabledChildPremium>
    <EnhancedDisabilityChildPremium>24.78</EnhancedDisabilityChildPremium>
    <MaxNoChildrenUsed>2</MaxNoChildrenUsed>
  </ChildrenAndYoungAdultsData>
  <CapabilityData>
    <Under60DisabilityPremiumSingle>32.55</Under60DisabilityPremiumSingle>
    <Under60DisabilityPremiumLoneParent>32.55</Under60DisabilityPremiumLoneParent>
    <Under60DisabilityPremiumCouple>46.40</Under60DisabilityPremiumCouple>
    <Under60EnhancedDisabilityPremiumSingle>15.90</Under60EnhancedDisabilityPremiumSingle>
    <Under60EnhancedDisabilityPremiumLoneParent>15.90</Under60EnhancedDisabilityPremiumLoneParent>
    <Under60EnhancedDisabilityPremiumCouple>22.85</Under60EnhancedDisabilityPremiumCouple>
    <SevereDisabilityPremiumSingle>62.45</SevereDisabilityPremiumSingle>
    <SevereDisabilityPremiumDouble>124.90</SevereDisabilityPremiumDouble>
    <CarersPremium>34.95</CarersPremium>
    <CarersAllowance>62.70</CarersAllowance>
  </CapabilityData>
  <EarnedIncomeData>
    <WeeklyIncomeTaxThreshold>181.54</WeeklyIncomeTaxThreshold>
    <SingleStandardDisregard>5.00</SingleStandardDisregard>
    <CoupleStandardDisregard>10.00</CoupleStandardDisregard>
    <LoneParentStandardDisregard>25</LoneParentStandardDisregard>
    <AdditionalEarningsDisregard>17.10</AdditionalEarningsDisregard>
    <DisabledAndLongTermSickDisregard>20.00</DisabledAndLongTermSickDisregard>
    <CarersAndSpecialOccupationsDisregard>20.00</CarersAndSpecialOccupationsDisregard>
    <PermittedWorkHoursThreshold>16</PermittedWorkHoursThreshold>
    <PermittedWorkWeeksThreshold>52</PermittedWorkWeeksThreshold>
    <PermittedWorkDisregardAmountBand1>120.00</PermittedWorkDisregardAmountBand1>
    <PermittedWorkDisregardAmountBand2>20.00</PermittedWorkDisregardAmountBand2>
    <PermittedWorkDisregardAmountCap>120.00</PermittedWorkDisregardAmountCap>
  </EarnedIncomeData>
  <UnearnedIncomeAndBenefitsData>
    <RentFromBoarderDisregard>20.00</RentFromBoarderDisregard>
    <CESABasicRate>73.10</CESABasicRate>
    <CESABasicRateWithWorkRelated>102.15</CESABasicRateWithWorkRelated>
    <CESABasicRateWithSupport>109.65</CESABasicRateWithSupport>
    <CESABasicRateWithWorkRelatedPremium>29.05</CESABasicRateWithWorkRelatedPremium>
    <CESABasicRateWithSupportPremium>36.55</CESABasicRateWithSupportPremium>
    <CJSAUnder25Rate>57.90</CJSAUnder25Rate>
    <CJSA25OrOverRate>73.10</CJSA25OrOverRate>
    <ChildBenefitFirstChildRate>20.70</ChildBenefitFirstChildRate>
    <ChildBenefitAdditionalChildRate>13.70</ChildBenefitAdditionalChildRate>
    <DisregardChildBenefitForChildrenAgedUnder>0</DisregardChildBenefitForChildrenAgedUnder>
    <UnderoccupancyChildIsAdultFrom>16</UnderoccupancyChildIsAdultFrom>
    <NoChildBenefitAfterAgeOf>20</NoChildBenefitAfterAgeOf>
  </UnearnedIncomeAndBenefitsData>
  <MoneyPaidOutData>
    <OneChildMinderDisregard>175.00</OneChildMinderDisregard>
    <MultipleChildMinderDisregard>300.00</MultipleChildMinderDisregard>
  </MoneyPaidOutData>
  <BankAccountsAndOtherAssetsData>
    <SharesDeductionPercentage>10</SharesDeductionPercentage>
    <PropertyDeductionPercentage>10</PropertyDeductionPercentage>
    <CapitalDisregardAmountBand1>6000</CapitalDisregardAmountBand1>
    <CapitalDisregardAmountBand2>10000</CapitalDisregardAmountBand2>
    <SharesAndPropertyToWeeklyAmountPensionableAgeDivisor>500</SharesAndPropertyToWeeklyAmountPensionableAgeDivisor>
    <SharesAndPropertyToWeeklyAmountNormalDivisor>250</SharesAndPropertyToWeeklyAmountNormalDivisor>
    <TotalAssetsLimit>16000</TotalAssetsLimit>
  </BankAccountsAndOtherAssetsData>
  <RentData>
    <LHARentTopUp>0.00</LHARentTopUp>
    <UnderoccupancyCheckMaxDependantsSharingRoom>2</UnderoccupancyCheckMaxDependantsSharingRoom>
    <UnderoccupancyCheckOneRoomExcessReductionPercentage>14</UnderoccupancyCheckOneRoomExcessReductionPercentage>
    <UnderoccupancyCheckMultipleRoomExcessReductionPercentage>25</UnderoccupancyCheckMultipleRoomExcessReductionPercentage>
  </RentData>
  <OtherAdultsData>
    <HBOtherNonDependantDeductionJSA>0</HBOtherNonDependantDeductionJSA>
    <HBOtherNonDependantDeductionStudent>0</HBOtherNonDependantDeductionStudent>
    <HBOtherNonDependantDeductionMostOthers>14.65</HBOtherNonDependantDeductionMostOthers>
    <CTBOtherNonDependantDeductionJSA>0</CTBOtherNonDependantDeductionJSA>
    <CTBOtherNonDependantDeductionStudent>0</CTBOtherNonDependantDeductionStudent>
    <CTBOtherNonDependantDeductionMostOthers>3.80</CTBOtherNonDependantDeductionMostOthers>
    <CTBSinglePersonDiscountPercentage>25</CTBSinglePersonDiscountPercentage>
    <CTBVacantPropertyDiscountPercentage>50</CTBVacantPropertyDiscountPercentage>
    <HBExcessIncomePercentage>65</HBExcessIncomePercentage>
    <HBMinimumAmount>0.49</HBMinimumAmount>
    <CTBExcessIncomePercentage>20</CTBExcessIncomePercentage>
    <CTBMinimumAmount>0.00</CTBMinimumAmount>
    <NumberOfHBWorkingNonDependantDeductionBands>6</NumberOfHBWorkingNonDependantDeductionBands>
    <HBWorkingNonDependantDeduction Band="1" Min="0" Max="135.99">14.80</HBWorkingNonDependantDeduction>
    <HBWorkingNonDependantDeduction Band="2" Min="136" Max="199.99">34.00</HBWorkingNonDependantDeduction>
    <HBWorkingNonDependantDeduction Band="3" Min="200" Max="258.99">46.65</HBWorkingNonDependantDeduction>
    <HBWorkingNonDependantDeduction Band="4" Min="259" Max="345.99">76.35</HBWorkingNonDependantDeduction>
    <HBWorkingNonDependantDeduction Band="5" Min="346" Max="429.99">86.95</HBWorkingNonDependantDeduction>
    <HBWorkingNonDependantDeduction Band="6" Min="430" Max="99999">94.50</HBWorkingNonDependantDeduction>
    <NumberOfCTBWorkingNonDependantDeductionBands>4</NumberOfCTBWorkingNonDependantDeductionBands>
    <CTBWorkingNonDependantDeduction Band="1" Min="0" Max="196.94">3.80</CTBWorkingNonDependantDeduction>
    <CTBWorkingNonDependantDeduction Band="2" Min="196.95" Max="341.39">7.65</CTBWorkingNonDependantDeduction>
    <CTBWorkingNonDependantDeduction Band="3" Min="341.40" Max="424.19">9.65</CTBWorkingNonDependantDeduction>
    <CTBWorkingNonDependantDeduction Band="4" Min="424.20" Max="99999">11.55</CTBWorkingNonDependantDeduction>
    <HBWorkingNonDependantDeduction Band="1" Min="0" Max="125.99">13.60</HBWorkingNonDependantDeduction>
    <HBWorkingNonDependantDeduction Band="2" Min="126" Max="185.99">31.25</HBWorkingNonDependantDeduction>
    <HBWorkingNonDependantDeduction Band="3" Min="186" Max="241.99">42.90</HBWorkingNonDependantDeduction>
    <HBWorkingNonDependantDeduction Band="4" Min="242" Max="321.99">70.20</HBWorkingNonDependantDeduction>
    <HBWorkingNonDependantDeduction Band="5" Min="322" Max="400.99">79.95</HBWorkingNonDependantDeduction>
    <HBWorkingNonDependantDeduction Band="6" Min="401" Max="99999">87.75</HBWorkingNonDependantDeduction>
    <CTBWorkingNonDependantDeduction Band="1" Min="0" Max="185.99">3.65</CTBWorkingNonDependantDeduction>
    <CTBWorkingNonDependantDeduction Band="2" Min="186" Max="321.99">7.25</CTBWorkingNonDependantDeduction>
    <CTBWorkingNonDependantDeduction Band="3" Min="322" Max="400.99">9.15</CTBWorkingNonDependantDeduction>
    <CTBWorkingNonDependantDeduction Band="4" Min="401.00" Max="99999">10.95</CTBWorkingNonDependantDeduction>
  </OtherAdultsData>
  <LCTD>
    <CouncilTaxBandCap>H</CouncilTaxBandCap>
    <SingleAdultEarningsDisregard>7.50</SingleAdultEarningsDisregard>
    <CoupleEarningsDisregard>12.50</CoupleEarningsDisregard>
    <LoneParentEarningsDisregard>25.00</LoneParentEarningsDisregard>
    <DisabilityDisregard>25.000</DisabilityDisregard>
    <NonDependantDisregard>4.00</NonDependantDisregard>
    <ChildBeyondSecondDisregard>75.00</ChildBeyondSecondDisregard>
    <ChildCareSingleChildDisregard>175.00</ChildCareSingleChildDisregard>
    <ChildCareMultipleChildrenDisregard>300.00</ChildCareMultipleChildrenDisregard>
    <MinimumWageAmount>7.83</MinimumWageAmount>
    <MinimumWageHours>30</MinimumWageHours>
    <MaxCapitalAmount>16000.00</MaxCapitalAmount>
    <CareLeaverBand1Liability>100</CareLeaverBand1Liability>
   <IncomePercentageBands>
  <!--Band Tier 1 is the most generous and those on lowest incomes-->
  <Band Tier="1" LiabilityPercentage="95">
    <!--CTBand needs to be repeated for each Type e.g. SingleAdult if your scheme supports different rates per band-->
    <Details CTBand="A">
      <Type>SingleAdult</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>82.74</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>SingleAdult</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>82.74</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>SingleAdult</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>82.74</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>SingleAdult</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>82.74</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>SingleAdult</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>82.74</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>SingleAdult</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>82.74</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>SingleAdult</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>82.74</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>SingleAdult</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>82.74</MaxAmount>
    </Details>
    <Details CTBand="A">
      <Type>SingleParentOneChild</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>82.74</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>SingleParentOneChild</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>82.74</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>SingleParentOneChild</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>82.74</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>SingleParentOneChild</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>82.74</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>SingleParentOneChild</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>82.74</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>SingleParentOneChild</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>82.74</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>SingleParentOneChild</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>82.74</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>SingleParentOneChild</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>82.74</MaxAmount>
    </Details>
    <Details CTBand="A">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>82.74</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>82.74</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>82.74</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>82.74</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>82.74</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>82.74</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>82.74</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>82.74</MaxAmount>
    </Details>
    <Details CTBand="A">
      <Type>CoupleNoChildren</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>129.29</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>CoupleNoChildren</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>129.29</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>CoupleNoChildren</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>129.29</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>CoupleNoChildren</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>129.29</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>CoupleNoChildren</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>129.29</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>CoupleNoChildren</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>129.29</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>CoupleNoChildren</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>129.29</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>CoupleNoChildren</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>129.29</MaxAmount>
    </Details>
    <Details CTBand="A">
      <Type>CoupleOneChild</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>129.29</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>CoupleOneChild</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>129.29</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>CoupleOneChild</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>129.29</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>CoupleOneChild</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>129.29</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>CoupleOneChild</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>129.29</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>CoupleOneChild</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>129.29</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>CoupleOneChild</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>129.29</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>CoupleOneChild</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>129.29</MaxAmount>
    </Details>
    <Details CTBand="A">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>129.29</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>129.29</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>129.29</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>129.29</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>129.29</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>129.29</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>0.00</MinAmount>
      <MaxAmount>129.29</MaxAmount>
    </Details>
  </Band>
  <!--Band Tier 2-->
  <Band Tier="2" LiabilityPercentage="85">
    <!--CTBand needs to be repeated for each Type e.g. SingleAdult if your scheme supports different rates per band-->
    <Details CTBand="A">
      <Type>SingleAdult</Type>
      <MinAmount>82.75</MinAmount>
      <MaxAmount>105.49</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>SingleAdult</Type>
      <MinAmount>82.75</MinAmount>
      <MaxAmount>106.53</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>SingleAdult</Type>
      <MinAmount>82.75</MinAmount>
      <MaxAmount>108.61</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>SingleAdult</Type>
      <MinAmount>82.75</MinAmount>
      <MaxAmount>116.87</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>SingleAdult</Type>
      <MinAmount>82.75</MinAmount>
      <MaxAmount>117.91</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>SingleAdult</Type>
      <MinAmount>82.75</MinAmount>
      <MaxAmount>130.32</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>SingleAdult</Type>
      <MinAmount>82.75</MinAmount>
      <MaxAmount>130.32</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>SingleAdult</Type>
      <MinAmount>82.75</MinAmount>
      <MaxAmount>130.32</MaxAmount>
    </Details>
    <Details CTBand="A">
      <Type>SingleParentOneChild</Type>
      <MinAmount>82.75</MinAmount>
      <MaxAmount>105.49</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>SingleParentOneChild</Type>
      <MinAmount>82.75</MinAmount>
      <MaxAmount>106.53</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>SingleParentOneChild</Type>
      <MinAmount>82.75</MinAmount>
      <MaxAmount>108.61</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>SingleParentOneChild</Type>
      <MinAmount>82.75</MinAmount>
      <MaxAmount>116.87</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>SingleParentOneChild</Type>
      <MinAmount>82.75</MinAmount>
      <MaxAmount>117.91</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>SingleParentOneChild</Type>
      <MinAmount>82.75</MinAmount>
      <MaxAmount>130.32</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>SingleParentOneChild</Type>
      <MinAmount>82.75</MinAmount>
      <MaxAmount>130.32</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>SingleParentOneChild</Type>
      <MinAmount>82.75</MinAmount>
      <MaxAmount>130.32</MaxAmount>
    </Details>
    <Details CTBand="A">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>82.75</MinAmount>
      <MaxAmount>105.49</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>82.75</MinAmount>
      <MaxAmount>106.53</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>82.75</MinAmount>
      <MaxAmount>108.61</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>82.75</MinAmount>
      <MaxAmount>116.87</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>82.75</MinAmount>
      <MaxAmount>117.91</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>82.75</MinAmount>
      <MaxAmount>130.32</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>82.75</MinAmount>
      <MaxAmount>130.32</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>82.75</MinAmount>
      <MaxAmount>130.32</MaxAmount>
    </Details>
    <Details CTBand="A">
      <Type>CoupleNoChildren</Type>
      <MinAmount>129.30</MinAmount>
      <MaxAmount>152.04</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>CoupleNoChildren</Type>
      <MinAmount>129.30</MinAmount>
      <MaxAmount>153.08</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>CoupleNoChildren</Type>
      <MinAmount>129.30</MinAmount>
      <MaxAmount>155.14</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>CoupleNoChildren</Type>
      <MinAmount>129.30</MinAmount>
      <MaxAmount>163.42</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>CoupleNoChildren</Type>
      <MinAmount>129.30</MinAmount>
      <MaxAmount>164.45</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>CoupleNoChildren</Type>
      <MinAmount>129.30</MinAmount>
      <MaxAmount>176.86</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>CoupleNoChildren</Type>
      <MinAmount>129.30</MinAmount>
      <MaxAmount>176.86</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>CoupleNoChildren</Type>
      <MinAmount>129.30</MinAmount>
      <MaxAmount>176.86</MaxAmount>
    </Details>
    <Details CTBand="A">
      <Type>CoupleOneChild</Type>
      <MinAmount>129.30</MinAmount>
      <MaxAmount>152.04</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>CoupleOneChild</Type>
      <MinAmount>129.30</MinAmount>
      <MaxAmount>153.08</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>CoupleOneChild</Type>
      <MinAmount>129.30</MinAmount>
      <MaxAmount>155.14</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>CoupleOneChild</Type>
      <MinAmount>129.30</MinAmount>
      <MaxAmount>163.42</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>CoupleOneChild</Type>
      <MinAmount>129.30</MinAmount>
      <MaxAmount>164.45</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>CoupleOneChild</Type>
      <MinAmount>129.30</MinAmount>
      <MaxAmount>176.86</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>CoupleOneChild</Type>
      <MinAmount>129.30</MinAmount>
      <MaxAmount>176.86</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>CoupleOneChild</Type>
      <MinAmount>129.30</MinAmount>
      <MaxAmount>176.86</MaxAmount>
    </Details>
    <Details CTBand="A">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>129.30</MinAmount>
      <MaxAmount>152.04</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>129.30</MinAmount>
      <MaxAmount>153.08</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>129.30</MinAmount>
      <MaxAmount>155.14</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>129.30</MinAmount>
      <MaxAmount>163.42</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>129.30</MinAmount>
      <MaxAmount>164.45</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>129.30</MinAmount>
      <MaxAmount>176.86</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>129.30</MinAmount>
      <MaxAmount>176.86</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>129.30</MinAmount>
      <MaxAmount>176.86</MaxAmount>
    </Details>
  </Band>
  <!--Band Tier 3-->
  <Band Tier="3" LiabilityPercentage="70">
    <!--CTBand needs to be repeated for each Type e.g. SingleAdult if your scheme supports different rates per band-->
    <Details CTBand="A">
      <Type>SingleAdult</Type>
      <MinAmount>105.50</MinAmount>
      <MaxAmount>128.25</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>SingleAdult</Type>
      <MinAmount>106.54</MinAmount>
      <MaxAmount>130.32</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>SingleAdult</Type>
      <MinAmount>108.62</MinAmount>
      <MaxAmount>134.46</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>SingleAdult</Type>
      <MinAmount>116.88</MinAmount>
      <MaxAmount>150.99</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>SingleAdult</Type>
      <MinAmount>117.92</MinAmount>
      <MaxAmount>153.08</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>SingleAdult</Type>
      <MinAmount>130.33</MinAmount>
      <MaxAmount>177.89</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>SingleAdult</Type>
      <MinAmount>130.33</MinAmount>
      <MaxAmount>177.89</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>SingleAdult</Type>
      <MinAmount>130.33</MinAmount>
      <MaxAmount>177.89</MaxAmount>
    </Details>
    <Details CTBand="A">
      <Type>SingleParentOneChild</Type>
      <MinAmount>105.50</MinAmount>
      <MaxAmount>128.25</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>SingleParentOneChild</Type>
      <MinAmount>106.54</MinAmount>
      <MaxAmount>130.32</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>SingleParentOneChild</Type>
      <MinAmount>108.62</MinAmount>
      <MaxAmount>134.46</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>SingleParentOneChild</Type>
      <MinAmount>116.88</MinAmount>
      <MaxAmount>150.99</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>SingleParentOneChild</Type>
      <MinAmount>117.92</MinAmount>
      <MaxAmount>153.08</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>SingleParentOneChild</Type>
      <MinAmount>130.33</MinAmount>
      <MaxAmount>177.89</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>SingleParentOneChild</Type>
      <MinAmount>130.33</MinAmount>
      <MaxAmount>177.89</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>SingleParentOneChild</Type>
      <MinAmount>130.33</MinAmount>
      <MaxAmount>177.89</MaxAmount>
    </Details>
    <Details CTBand="A">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>105.50</MinAmount>
      <MaxAmount>128.25</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>106.54</MinAmount>
      <MaxAmount>130.32</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>108.62</MinAmount>
      <MaxAmount>134.46</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>116.88</MinAmount>
      <MaxAmount>150.99</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>117.92</MinAmount>
      <MaxAmount>153.08</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>130.33</MinAmount>
      <MaxAmount>177.89</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>130.33</MinAmount>
      <MaxAmount>177.89</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>130.33</MinAmount>
      <MaxAmount>177.89</MaxAmount>
    </Details>
    <Details CTBand="A">
      <Type>CoupleNoChildren</Type>
      <MinAmount>152.05</MinAmount>
      <MaxAmount>174.79</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>CoupleNoChildren</Type>
      <MinAmount>153.09</MinAmount>
      <MaxAmount>176.87</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>CoupleNoChildren</Type>
      <MinAmount>155.15</MinAmount>
      <MaxAmount>181.00</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>CoupleNoChildren</Type>
      <MinAmount>163.43</MinAmount>
      <MaxAmount>197.55</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>CoupleNoChildren</Type>
      <MinAmount>164.46</MinAmount>
      <MaxAmount>199.62</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>CoupleNoChildren</Type>
      <MinAmount>176.87</MinAmount>
      <MaxAmount>224.44</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>CoupleNoChildren</Type>
      <MinAmount>176.87</MinAmount>
      <MaxAmount>224.44</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>CoupleNoChildren</Type>
      <MinAmount>176.87</MinAmount>
      <MaxAmount>224.44</MaxAmount>
    </Details>
    <Details CTBand="A">
      <Type>CoupleOneChild</Type>
      <MinAmount>152.05</MinAmount>
      <MaxAmount>174.79</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>CoupleOneChild</Type>
      <MinAmount>153.09</MinAmount>
      <MaxAmount>176.87</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>CoupleOneChild</Type>
      <MinAmount>155.15</MinAmount>
      <MaxAmount>181.00</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>CoupleOneChild</Type>
      <MinAmount>163.43</MinAmount>
      <MaxAmount>197.55</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>CoupleOneChild</Type>
      <MinAmount>164.46</MinAmount>
      <MaxAmount>199.62</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>CoupleOneChild</Type>
      <MinAmount>176.87</MinAmount>
      <MaxAmount>224.44</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>CoupleOneChild</Type>
      <MinAmount>176.87</MinAmount>
      <MaxAmount>224.44</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>CoupleOneChild</Type>
      <MinAmount>176.87</MinAmount>
      <MaxAmount>224.44</MaxAmount>
    </Details>
    <Details CTBand="A">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>152.05</MinAmount>
      <MaxAmount>174.79</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>153.09</MinAmount>
      <MaxAmount>176.87</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>155.15</MinAmount>
      <MaxAmount>181.00</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>163.43</MinAmount>
      <MaxAmount>197.55</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>164.46</MinAmount>
      <MaxAmount>199.62</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>176.87</MinAmount>
      <MaxAmount>224.44</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>176.87</MinAmount>
      <MaxAmount>224.44</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>176.87</MinAmount>
      <MaxAmount>224.44</MaxAmount>
    </Details>
  </Band>
  <!--Band Tier 4-->
  <Band Tier="4" LiabilityPercentage="55">
    <!--CTBand needs to be repeated for each Type e.g. SingleAdult if your scheme supports different rates per band-->
    <Details CTBand="A">
      <Type>SingleAdult</Type>
      <MinAmount>128.26</MinAmount>
      <MaxAmount>151.00</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>SingleAdult</Type>
      <MinAmount>130.33 </MinAmount>
      <MaxAmount>154.11</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>SingleAdult</Type>
      <MinAmount>134.47 </MinAmount>
      <MaxAmount>160.32</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>SingleAdult</Type>
      <MinAmount>151.00</MinAmount>
      <MaxAmount>185.13</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>SingleAdult</Type>
      <MinAmount>153.09</MinAmount>
      <MaxAmount>188.24</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>SingleAdult</Type>
      <MinAmount>177.90</MinAmount>
      <MaxAmount>225.48</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>SingleAdult</Type>
      <MinAmount>177.90</MinAmount>
      <MaxAmount>225.48</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>SingleAdult</Type>
      <MinAmount>177.90</MinAmount>
      <MaxAmount>225.48</MaxAmount>
    </Details>
    <Details CTBand="A">
      <Type>SingleParentOneChild</Type>
      <MinAmount>128.26</MinAmount>
      <MaxAmount>151.00</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>SingleParentOneChild</Type>
      <MinAmount>130.33 </MinAmount>
      <MaxAmount>154.11</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>SingleParentOneChild</Type>
      <MinAmount>134.47 </MinAmount>
      <MaxAmount>160.32</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>SingleParentOneChild</Type>
      <MinAmount>151.00</MinAmount>
      <MaxAmount>185.13</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>SingleParentOneChild</Type>
      <MinAmount>153.09</MinAmount>
      <MaxAmount>188.24</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>SingleParentOneChild</Type>
      <MinAmount>177.90</MinAmount>
      <MaxAmount>225.48</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>SingleParentOneChild</Type>
      <MinAmount>177.90</MinAmount>
      <MaxAmount>225.48</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>SingleParentOneChild</Type>
      <MinAmount>177.90</MinAmount>
      <MaxAmount>225.48</MaxAmount>
    </Details>
    <Details CTBand="A">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>128.26</MinAmount>
      <MaxAmount>151.00</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>130.33 </MinAmount>
      <MaxAmount>154.11</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>134.47 </MinAmount>
      <MaxAmount>160.32</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>151.00</MinAmount>
      <MaxAmount>185.13</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>153.09</MinAmount>
      <MaxAmount>188.24</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>177.90</MinAmount>
      <MaxAmount>225.48</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>177.90</MinAmount>
      <MaxAmount>225.48</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>177.90</MinAmount>
      <MaxAmount>225.48</MaxAmount>
    </Details>
    <Details CTBand="A">
      <Type>CoupleNoChildren</Type>
      <MinAmount>174.80</MinAmount>
      <MaxAmount>197.55</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>CoupleNoChildren</Type>
      <MinAmount>176.88</MinAmount>
      <MaxAmount>200.65</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>CoupleNoChildren</Type>
      <MinAmount>181.01</MinAmount>
      <MaxAmount>206.86</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>CoupleNoChildren</Type>
      <MinAmount>197.56</MinAmount>
      <MaxAmount>231.68</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>CoupleNoChildren</Type>
      <MinAmount>199.63</MinAmount>
      <MaxAmount>234.78</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>CoupleNoChildren</Type>
      <MinAmount>224.45</MinAmount>
      <MaxAmount>272.02</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>CoupleNoChildren</Type>
      <MinAmount>224.45</MinAmount>
      <MaxAmount>272.02</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>CoupleNoChildren</Type>
      <MinAmount>224.45</MinAmount>
      <MaxAmount>272.02</MaxAmount>
    </Details>
    <Details CTBand="A">
      <Type>CoupleOneChild</Type>
      <MinAmount>174.80</MinAmount>
      <MaxAmount>197.55</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>CoupleOneChild</Type>
      <MinAmount>176.88</MinAmount>
      <MaxAmount>200.65</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>CoupleOneChild</Type>
      <MinAmount>181.01</MinAmount>
      <MaxAmount>206.86</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>CoupleOneChild</Type>
      <MinAmount>197.56</MinAmount>
      <MaxAmount>231.68</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>CoupleOneChild</Type>
      <MinAmount>199.63</MinAmount>
      <MaxAmount>234.78</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>CoupleOneChild</Type>
      <MinAmount>224.45</MinAmount>
      <MaxAmount>272.02</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>CoupleOneChild</Type>
      <MinAmount>224.45</MinAmount>
      <MaxAmount>272.02</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>CoupleOneChild</Type>
      <MinAmount>224.45</MinAmount>
      <MaxAmount>272.02</MaxAmount>
    </Details>
    <Details CTBand="A">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>174.80</MinAmount>
      <MaxAmount>197.55</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>176.88</MinAmount>
      <MaxAmount>200.65</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>181.01</MinAmount>
      <MaxAmount>206.86</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>197.56</MinAmount>
      <MaxAmount>231.68</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>199.63</MinAmount>
      <MaxAmount>234.78</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>224.45</MinAmount>
      <MaxAmount>272.02</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>224.45</MinAmount>
      <MaxAmount>272.02</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>224.45</MinAmount>
      <MaxAmount>272.02</MaxAmount>
    </Details>
  </Band>
  <!--Band Tier 5-->
  <Band Tier="5" LiabilityPercentage="40">
    <!--CTBand needs to be repeated for each Type e.g. SingleAdult if your scheme supports different rates per band-->
    <Details CTBand="A">
      <Type>SingleAdult</Type>
      <MinAmount>151.01</MinAmount>
      <MaxAmount>173.76</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>SingleAdult</Type>
      <MinAmount>154.12</MinAmount>
      <MaxAmount>177.89</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>SingleAdult</Type>
      <MinAmount>160.33</MinAmount>
      <MaxAmount>186.17</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>SingleAdult</Type>
      <MinAmount>185.14</MinAmount>
      <MaxAmount>219.27</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>SingleAdult</Type>
      <MinAmount>188.25</MinAmount>
      <MaxAmount>223.40</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>SingleAdult</Type>
      <MinAmount>225.49</MinAmount>
      <MaxAmount>273.05</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>SingleAdult</Type>
      <MinAmount>225.49</MinAmount>
      <MaxAmount>273.05</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>SingleAdult</Type>
      <MinAmount>225.49</MinAmount>
      <MaxAmount>273.05</MaxAmount>
    </Details>
    <Details CTBand="A">
      <Type>SingleParentOneChild</Type>
      <MinAmount>151.01</MinAmount>
      <MaxAmount>173.76</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>SingleParentOneChild</Type>
      <MinAmount>154.12</MinAmount>
      <MaxAmount>177.89</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>SingleParentOneChild</Type>
      <MinAmount>160.33</MinAmount>
      <MaxAmount>186.17</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>SingleParentOneChild</Type>
      <MinAmount>185.14</MinAmount>
      <MaxAmount>219.27</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>SingleParentOneChild</Type>
      <MinAmount>188.25</MinAmount>
      <MaxAmount>223.40</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>SingleParentOneChild</Type>
      <MinAmount>225.49</MinAmount>
      <MaxAmount>273.05</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>SingleParentOneChild</Type>
      <MinAmount>225.49</MinAmount>
      <MaxAmount>273.05</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>SingleParentOneChild</Type>
      <MinAmount>225.49</MinAmount>
      <MaxAmount>273.05</MaxAmount>
    </Details>
    <Details CTBand="A">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>151.01</MinAmount>
      <MaxAmount>173.76</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>154.12</MinAmount>
      <MaxAmount>177.89</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>160.33</MinAmount>
      <MaxAmount>186.17</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>185.14</MinAmount>
      <MaxAmount>219.27</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>188.25</MinAmount>
      <MaxAmount>223.40</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>225.49</MinAmount>
      <MaxAmount>273.05</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>225.49</MinAmount>
      <MaxAmount>273.05</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>225.49</MinAmount>
      <MaxAmount>273.05</MaxAmount>
    </Details>
    <Details CTBand="A">
      <Type>CoupleNoChildren</Type>
      <MinAmount>197.56</MinAmount>
      <MaxAmount>220.30</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>CoupleNoChildren</Type>
      <MinAmount>200.66</MinAmount>
      <MaxAmount>224.44</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>CoupleNoChildren</Type>
      <MinAmount>206.87</MinAmount>
      <MaxAmount>232.72</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>CoupleNoChildren</Type>
      <MinAmount>231.69</MinAmount>
      <MaxAmount>265.81</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>CoupleNoChildren</Type>
      <MinAmount>234.79</MinAmount>
      <MaxAmount>268.94</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>CoupleNoChildren</Type>
      <MinAmount>272.03</MinAmount>
      <MaxAmount>319.59</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>CoupleNoChildren</Type>
      <MinAmount>272.03</MinAmount>
      <MaxAmount>319.59</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>CoupleNoChildren</Type>
      <MinAmount>272.03</MinAmount>
      <MaxAmount>319.59</MaxAmount>
    </Details>
    <Details CTBand="A">
      <Type>CoupleOneChild</Type>
      <MinAmount>197.56</MinAmount>
      <MaxAmount>220.30</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>CoupleOneChild</Type>
      <MinAmount>200.66</MinAmount>
      <MaxAmount>224.44</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>CoupleOneChild</Type>
      <MinAmount>206.87</MinAmount>
      <MaxAmount>232.72</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>CoupleOneChild</Type>
      <MinAmount>231.69</MinAmount>
      <MaxAmount>265.81</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>CoupleOneChild</Type>
      <MinAmount>234.79</MinAmount>
      <MaxAmount>268.94</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>CoupleOneChild</Type>
      <MinAmount>272.03</MinAmount>
      <MaxAmount>319.59</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>CoupleOneChild</Type>
      <MinAmount>272.03</MinAmount>
      <MaxAmount>319.59</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>CoupleOneChild</Type>
      <MinAmount>272.03</MinAmount>
      <MaxAmount>319.59</MaxAmount>
    </Details>
    <Details CTBand="A">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>197.56</MinAmount>
      <MaxAmount>220.30</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>200.66</MinAmount>
      <MaxAmount>224.44</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>206.87</MinAmount>
      <MaxAmount>232.72</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>231.69</MinAmount>
      <MaxAmount>265.81</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>234.79</MinAmount>
      <MaxAmount>268.94</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>272.03</MinAmount>
      <MaxAmount>319.59</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>272.03</MinAmount>
      <MaxAmount>319.59</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>272.03</MinAmount>
      <MaxAmount>319.59</MaxAmount>
    </Details>
  </Band>


  <!--Band Tier 6-->

  <Band Tier="6" LiabilityPercentage="25">

    <!--CTBand needs to be repeated for each Type e.g. SingleAdult if your scheme supports different rates per band-->

    <Details CTBand="A">
      <Type>SingleAdult</Type>
      <MinAmount>173.77</MinAmount>
      <MaxAmount>196.51</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>SingleAdult</Type>
      <MinAmount>177.90</MinAmount>
      <MaxAmount>201.69</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>SingleAdult</Type>
      <MinAmount>186.18</MinAmount>
      <MaxAmount>212.03</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>SingleAdult</Type>
      <MinAmount>219.28</MinAmount>
      <MaxAmount>253.41</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>SingleAdult</Type>
      <MinAmount>223.41</MinAmount>
      <MaxAmount>258.57</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>SingleAdult</Type>
      <MinAmount>273.06</MinAmount>
      <MaxAmount>320.63</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>SingleAdult</Type>
      <MinAmount>273.06</MinAmount>
      <MaxAmount>320.63</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>SingleAdult</Type>
      <MinAmount>273.06</MinAmount>
      <MaxAmount>320.63</MaxAmount>
    </Details>




    <Details CTBand="A">
      <Type>SingleParentOneChild</Type>
      <MinAmount>173.77</MinAmount>
      <MaxAmount>196.51</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>SingleParentOneChild</Type>
      <MinAmount>177.90</MinAmount>
      <MaxAmount>201.69</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>SingleParentOneChild</Type>
      <MinAmount>186.18</MinAmount>
      <MaxAmount>212.03</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>SingleParentOneChild</Type>
      <MinAmount>219.28</MinAmount>
      <MaxAmount>253.41</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>SingleParentOneChild</Type>
      <MinAmount>223.41</MinAmount>
      <MaxAmount>258.57</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>SingleParentOneChild</Type>
      <MinAmount>273.06</MinAmount>
      <MaxAmount>320.63</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>SingleParentOneChild</Type>
      <MinAmount>273.06</MinAmount>
      <MaxAmount>320.63</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>SingleParentOneChild</Type>
      <MinAmount>273.06</MinAmount>
      <MaxAmount>320.63</MaxAmount>
    </Details>

    

       <Details CTBand="A">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>173.77</MinAmount>
      <MaxAmount>196.51</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>177.90</MinAmount>
      <MaxAmount>201.69</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>186.18</MinAmount>
      <MaxAmount>212.03</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>219.28</MinAmount>
      <MaxAmount>253.41</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>223.41</MinAmount>
      <MaxAmount>258.57</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>273.06</MinAmount>
      <MaxAmount>320.63</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>273.06</MinAmount>
      <MaxAmount>320.63</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>273.06</MinAmount>
      <MaxAmount>320.63</MaxAmount>
    </Details>




    <Details CTBand="A">
      <Type>CoupleNoChildren</Type>
      <MinAmount>220.31</MinAmount>
      <MaxAmount>243.06</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>CoupleNoChildren</Type>
      <MinAmount>224.45</MinAmount>
      <MaxAmount>248.23</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>CoupleNoChildren</Type>
      <MinAmount>232.73</MinAmount>
      <MaxAmount>258.57</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>CoupleNoChildren</Type>
      <MinAmount>265.82</MinAmount>
      <MaxAmount>299.94</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>CoupleNoChildren</Type>
      <MinAmount>268.95</MinAmount>
      <MaxAmount>305.12</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>CoupleNoChildren</Type>
      <MinAmount>319.60</MinAmount>
      <MaxAmount>367.18</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>CoupleNoChildren</Type>
      <MinAmount>319.60</MinAmount>
      <MaxAmount>367.18</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>CoupleNoChildren</Type>
      <MinAmount>319.60</MinAmount>
      <MaxAmount>367.18</MaxAmount>
    </Details>



    <Details CTBand="A">
      <Type>CoupleOneChild</Type>
      <MinAmount>220.31</MinAmount>
      <MaxAmount>243.06</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>CoupleOneChild</Type>
      <MinAmount>224.45</MinAmount>
      <MaxAmount>248.23</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>CoupleOneChild</Type>
      <MinAmount>232.73</MinAmount>
      <MaxAmount>258.57</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>CoupleOneChild</Type>
      <MinAmount>265.82</MinAmount>
      <MaxAmount>299.94</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>CoupleOneChild</Type>
      <MinAmount>268.95</MinAmount>
      <MaxAmount>305.12</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>CoupleOneChild</Type>
      <MinAmount>319.60</MinAmount>
      <MaxAmount>367.18</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>CoupleOneChild</Type>
      <MinAmount>319.60</MinAmount>
      <MaxAmount>367.18</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>CoupleOneChild</Type>
      <MinAmount>319.60</MinAmount>
      <MaxAmount>367.18</MaxAmount>
    </Details>



    <Details CTBand="A">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>220.31</MinAmount>
      <MaxAmount>243.06</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>224.45</MinAmount>
      <MaxAmount>248.23</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>232.73</MinAmount>
      <MaxAmount>258.57</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>265.82</MinAmount>
      <MaxAmount>299.94</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>268.95</MinAmount>
      <MaxAmount>305.12</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>319.60</MinAmount>
      <MaxAmount>367.18</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>319.60</MinAmount>
      <MaxAmount>367.18</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>319.60</MinAmount>
      <MaxAmount>367.18</MaxAmount>
    </Details>
  </Band>


  <!--Band Tier 7-->


  <Band Tier="7" LiabilityPercentage="10">

    <!--CTBand needs to be repeated for each Type e.g. SingleAdult if your scheme supports different rates per band-->


    <Details CTBand="A">
      <Type>SingleAdult</Type>
      <MinAmount>196.52</MinAmount>
      <MaxAmount>219.31</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>SingleAdult</Type>
      <MinAmount>201.70</MinAmount>
      <MaxAmount>225.53</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>SingleAdult</Type>
      <MinAmount>212.04</MinAmount>
      <MaxAmount>237.89</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>SingleAdult</Type>
      <MinAmount>253.42</MinAmount>
      <MaxAmount>287.54</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>SingleAdult</Type>
      <MinAmount>258.58</MinAmount>
      <MaxAmount>293.74</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>SingleAdult</Type>
      <MinAmount>320.64</MinAmount>
      <MaxAmount>368.20</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>SingleAdult</Type>
      <MinAmount>320.64</MinAmount>
      <MaxAmount>368.20</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>SingleAdult</Type>
      <MinAmount>320.64</MinAmount>
      <MaxAmount>368.20</MaxAmount>
    </Details>


    <Details CTBand="A">
      <Type>SingleParentOneChild</Type>
      <MinAmount>196.52</MinAmount>
      <MaxAmount>219.31</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>SingleParentOneChild</Type>
      <MinAmount>201.70</MinAmount>
      <MaxAmount>225.53</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>SingleParentOneChild</Type>
      <MinAmount>212.04</MinAmount>
      <MaxAmount>237.89</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>SingleParentOneChild</Type>
      <MinAmount>253.42</MinAmount>
      <MaxAmount>287.54</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>SingleParentOneChild</Type>
      <MinAmount>258.58</MinAmount>
      <MaxAmount>293.74</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>SingleParentOneChild</Type>
      <MinAmount>320.64</MinAmount>
      <MaxAmount>368.20</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>SingleParentOneChild</Type>
      <MinAmount>320.64</MinAmount>
      <MaxAmount>368.20</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>SingleParentOneChild</Type>
      <MinAmount>320.64</MinAmount>
      <MaxAmount>368.20</MaxAmount>
    </Details>


    <Details CTBand="A">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>196.52</MinAmount>
      <MaxAmount>219.31</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>201.70</MinAmount>
      <MaxAmount>225.53</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>212.04</MinAmount>
      <MaxAmount>237.89</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>253.42</MinAmount>
      <MaxAmount>287.54</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>258.58</MinAmount>
      <MaxAmount>293.74</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>320.64</MinAmount>
      <MaxAmount>368.20</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>320.64</MinAmount>
      <MaxAmount>368.20</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>SingleParentMultipleChildren</Type>
      <MinAmount>320.64</MinAmount>
      <MaxAmount>368.20</MaxAmount>
    </Details>





    <Details CTBand="A">
      <Type>CoupleNoChildren</Type>
      <MinAmount>243.07</MinAmount>
      <MaxAmount>265.81</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>CoupleNoChildren</Type>
      <MinAmount>248.24</MinAmount>
      <MaxAmount>272.22</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>CoupleNoChildren</Type>
      <MinAmount>258.58</MinAmount>
      <MaxAmount>284.43</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>CoupleNoChildren</Type>
      <MinAmount>299.95</MinAmount>
      <MaxAmount>334.07</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>CoupleNoChildren</Type>
      <MinAmount>305.13</MinAmount>
      <MaxAmount>340.28</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>CoupleNoChildren</Type>
      <MinAmount>367.19</MinAmount>
      <MaxAmount>414.75</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>CoupleNoChildren</Type>
      <MinAmount>367.19</MinAmount>
      <MaxAmount>414.75</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>CoupleNoChildren</Type>
      <MinAmount>367.19</MinAmount>
      <MaxAmount>414.75</MaxAmount>
    </Details>



    <Details CTBand="A">
      <Type>CoupleOneChild</Type>
      <MinAmount>243.07</MinAmount>
      <MaxAmount>265.81</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>CoupleOneChild</Type>
      <MinAmount>248.24</MinAmount>
      <MaxAmount>272.22</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>CoupleOneChild</Type>
      <MinAmount>258.58</MinAmount>
      <MaxAmount>284.43</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>CoupleOneChild</Type>
      <MinAmount>299.95</MinAmount>
      <MaxAmount>334.07</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>CoupleOneChild</Type>
      <MinAmount>305.13</MinAmount>
      <MaxAmount>340.28</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>CoupleOneChild</Type>
      <MinAmount>367.19</MinAmount>
      <MaxAmount>414.75</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>CoupleOneChild</Type>
      <MinAmount>367.19</MinAmount>
      <MaxAmount>414.75</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>CoupleOneChild</Type>
      <MinAmount>367.19</MinAmount>
      <MaxAmount>414.75</MaxAmount>
    </Details>


    
    <Details CTBand="A">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>243.07</MinAmount>
      <MaxAmount>265.81</MaxAmount>
    </Details>
    <Details CTBand="B">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>248.24</MinAmount>
      <MaxAmount>272.22</MaxAmount>
    </Details>
    <Details CTBand="C">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>258.58</MinAmount>
      <MaxAmount>284.43</MaxAmount>
    </Details>
    <Details CTBand="D">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>299.95</MinAmount>
      <MaxAmount>334.07</MaxAmount>
    </Details>
    <Details CTBand="E">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>305.13</MinAmount>
      <MaxAmount>340.28</MaxAmount>
    </Details>
    <Details CTBand="F">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>367.19</MinAmount>
      <MaxAmount>414.75</MaxAmount>
    </Details>
    <Details CTBand="G">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>367.19</MinAmount>
      <MaxAmount>414.75</MaxAmount>
    </Details>
    <Details CTBand="H">
      <Type>CoupleMultipleChildren</Type>
      <MinAmount>367.19</MinAmount>
      <MaxAmount>414.75</MaxAmount>
    </Details>

  </Band>
</IncomePercentageBands>


    <ChildDisabilityDisregard>30.00</ChildDisabilityDisregard>
    <CarersAllowanceDisregard>35.00</CarersAllowanceDisregard>
    <SingleAdultDisabilityDisregard>40.00</SingleAdultDisabilityDisregard>
    <LoneParentDisabilityDisregard>40.00</LoneParentDisabilityDisregard>
    <CoupleDisabilityDisregard>50.00</CoupleDisabilityDisregard>
    <SingleAdultDisabilityDisregardEnhanced>20.00</SingleAdultDisabilityDisregardEnhanced>
    <LoneParentDisabilityDisregardEnhanced>20.00</LoneParentDisabilityDisregardEnhanced>
    <CoupleDisabilityDisregardEnhanced>25.00</CoupleDisabilityDisregardEnhanced>
    <SingleAdultDisabilityDisregardSevere>65.00</SingleAdultDisabilityDisregardSevere>
    <LoneParentDisabilityDisregardSevere>65.00</LoneParentDisabilityDisregardSevere>
    <CoupleDisabilityDisregardSevere>65.00</CoupleDisabilityDisregardSevere>
    <WorkingHoursDisregard>0.00</WorkingHoursDisregard>
    <WorkingHoursRequirementDisabled>16</WorkingHoursRequirementDisabled>
    <WorkingHoursRequirementLoneParent>16</WorkingHoursRequirementLoneParent>
    <WorkingHoursRequirementOver60>16</WorkingHoursRequirementOver60>
    <WorkingHoursRequirementParentCouplesIndividual>16</WorkingHoursRequirementParentCouplesIndividual>
    <WorkingHoursRequirementParentCouplesTotal>24</WorkingHoursRequirementParentCouplesTotal>
    <WorkingHoursRequirementDefault>30</WorkingHoursRequirementDefault>
    <ChildDisregardMaximum>0</ChildDisregardMaximum>
    <LCTDNonDepDeductionBand1Value>4.00</LCTDNonDepDeductionBand1Value>
    <LCTDNonDepDeductionBand2Value>8.00</LCTDNonDepDeductionBand2Value>
    <LCTDNonDepDeductionBand3Value>10.00</LCTDNonDepDeductionBand3Value>
    <LCTDNonDepDeductionBand1Cap>210.00</LCTDNonDepDeductionBand1Cap>
    <LCTDNonDepDeductionBand2Cap>350.00</LCTDNonDepDeductionBand2Cap>
    <BypassApplicableAmounts>true</BypassApplicableAmounts>
  </LCTD>
</RatesAndValues>