Demographics: age and the ageing population

Similar documents
Pensioners Incomes Series: An analysis of trends in Pensioner Incomes: 1994/ /16

Section 6: Wider determinants of health Economy

WOMEN AT RISK: THE DISABILITY- SURVIVAL PARADOX

HEALTH AND WELLBEING: AGEING WORKFORCE

Time limiting contributory Employment and Support Allowance to one year for those in the work-related activity group

Differentials in pension prospects for minority ethnic groups in the UK

Time limiting contributory Employment and Support Allowance to one year for those in the work-related activity group

Executive Summary: A review of the evidence base on older people in Northern Ireland. Age NI

MONITORING POVERTY AND SOCIAL EXCLUSION IN SCOTLAND 2015

State of the City 2016

POPULATION TOPIC PAPER

Women s pay and employment update: a public/private sector comparison

Healthy life expectancy: key points (new data this update)

Executive Summary. Findings from Current Research

Future demand for long-term care in the UK

Planning for the future: Our 2017 General Election manifesto

MONITORING POVERTY AND SOCIAL EXCLUSION 2013

Changing Population Age Structures and Sustainable Development

Funding care and support at home

Stockport (Local Authority)

Foresight Future of an Ageing Population - International Case Studies

PUBLIC HEALTH PROGRAMME GUIDANCE SCOPE

Beyond stereotypes. Myths and facts about people of working age who receive social security

Profile: Wheldrake 198,051 residents 83,552 houses City of York Council Population

Gender Pay Gap Report. 2016/17 Report

Age UK Waltham Forest Profile: Deprivation in Waltham Forest 08/01/2013

Ward profile information packs: East Cowes

Reaction to the UK Government Office for Science Foresight report Future of an Ageing Population

2016 Census of Canada

AIST. 22 October Sex Discrimination Commissioner Australian Human Rights Commission Level 3, 175 Pitt St SYDNEY NSW 200. Dear Ms Broderick,

Manifesto for the European Elections proposals for achieving equal rights and dignity for older persons

State pensions. Extract from the July 2017 Fiscal risks report. Drivers of pensions spending: population ageing

TRADE UNION MEMBERSHIP Statistical Bulletin

C H A R T B O O K. Members Dually Eligible for MaineCare and Medicare Benefits MaineCare and Medicare Expenditures and Utilization

Michelle Jones, Stephanie Tipping

Policy Brief on Population Projections

Raphael Wittenberg LONG-TERM CARE FOR OLDER PEOPLE: ECONOMIC ISSUES. Myers JDC Brookdale Institute, Jerusalem 25 December 2013

GLA 2014 round of trend-based population projections - Methodology

Retirement (In)Security for Today s Workers

Huntington and New Earswick

Coping with Population Aging In China

CRMP DEMOGRAPHIC PROFILE 2018

Council of the European Union Brussels, 23 September 2015 (OR. en)

Equality and Human Rights Commission Response to the Consultation on Free Bus Travel for Older and Disabled People and Modern Apprentices

Household Benefit Cap. Equality impact assessment March 2011

Clarifying joint financing arrangements A briefing paper for health bodies and local authorities

Monitoring poverty and social exclusion 2009

Demographic Situation: Jamaica

Lancaster Healthcare Service Area

Oman. Country coverage and the methodology of the Statistical Annex of the 2015 HDR

Paying for care. An information guide for people living in Surrey

Household Benefit Cap. Equality impact assessment October 2011

NAMIBIA COUNTRY BRIEF

THE COMMONWEALTH FUND SURVEY OF HEALTH CARE IN NEW YORK CITY

Sickness absence in the labour market: 2016

The number of unemployed people

2. Employment, retirement and pensions

Adults and Safeguarding Commissioning Plan /17 addendum. Commissioning Director Adults and Health. Summary

2000 HOUSING AND POPULATION CENSUS

Universal access to health and care services for NCDs by older men and women in Tanzania 1

PENSIONS POLICY INSTITUTE. Automatic enrolment changes

Changes to work and income around state pension age

The Beehive Shape: Provisional 50-Year Demographic and Economic Projections for the State of Utah,

Overview of the impact of Spending Review 2010 on equalities

2008-based national population projections for the United Kingdom and constituent countries

ANNEX ANNEX. to the. Proposal for a COUNCIL DECISION. on guidelines for the employment policies of the Member States

Why we need a plan for better later lives

Workforce participation of mature aged women

Serbia. Country coverage and the methodology of the Statistical Annex of the 2015 HDR

Can our homes pay for the care we need in older age? Asset wealth and an ageing population

UNITED KINGDOM Overview of the system

Care Act first-phase reforms

Response of the Equality and Human Rights Commission to Consultation:

Public Health Outcomes Framework. Summary for Eastbourne. Indicators at a glance (February 2017)

The impact of an ageing world on our society and economy

Health Economics Program

The Business of Ageing Update 2015

NHS Working Longer Group Initial findings and recommendations. What do they say about older women at work?

UNITED KINGDOM The UK Financial year runs from April to April. The rates and rules below are for June 2002.

Montenegro. Country coverage and the methodology of the Statistical Annex of the 2015 HDR

Stockport (Local Authority)

Gender Pay Gap Report 2017

Tax and fairness. Background Paper for Session 2 of the Tax Working Group

Huntington and New Earswick. York Summary

AUGUST THE DUNNING REPORT: DIMENSIONS OF CORE HOUSING NEED IN CANADA Second Edition

Most advanced economies face shrinking workforces. The U.S. is an exception.

Key demands for national and international action on universal social protection

Briefing note for countries on the 2015 Human Development Report. Lesotho

Executive summary WORLD EMPLOYMENT SOCIAL OUTLOOK

A single-tier pension: what does it really mean?

Characteristics of Eligible Households at Baseline

Financial security of elders in China

Close the Gap response to the Scottish Government consultation on the Social Security (Scotland) Bill August 2017

Economic Standard of Living

Pensions for Women Presentation to Irish Women Lawyers Assocation 4th July 2009 Rachel Doyle NWCI Head of Outreach and Support

Gender Pay Gap Report 2017

The labor market in South Korea,

Peterborough Sub-Regional Strategic Housing Market Assessment

Public Sector Equality Duty: Annual Equality Data Monitoring Report Summary Report

The Social Report 2007 A summary

Transcription:

Section 1: demographics Demographics: age and the ageing population D e m o g r a p h i c s : a g e i n g p o p u l a t i o n Page 1

Related briefings in the JSA for Health and Wellbeing Briefing (and hyperlink) Introduction Gender Ethnicity Entire section Demographics Entire section Projecting the future burden of disease Demographics Section Demographics Demographics Demographics Health Inequalities Children and young people Burden of ill-health Burden of ill-health: general health Burden of ill-health: disability and conditions effecting older people Edition Edition Version no. Changes/Comments 2012/13 1 2013/14 2 Mid-year 2012 population data. 2001 and 2011 census comparison. D e m o g r a p h i c s : a g e i n g p o p u l a t i o n Page 2

Outcome Frameworks Summary The Adult Social Care Outcomes Framework 1 is a set of outcome measures, which have been agreed to be of value both nationally and locally for demonstrating the achievements of adult social care. The Public Health Outcomes Framework for England, 2013-2016 2 outlines the overarching vision for public health as to improve and protect the nation s health and wellbeing, and improve the health of the poorest fastest. The NHS Outcomes Framework 2012-13 3 sets out how the improvement of healthcare outcomes for all will be the primary purpose of the NHS. The following indicators from these frameworks have been selected as the ones most relevant to this section. Framework Reference Indicator Public Health 2.24 / 4.14 Falls and fall injuries / Hip fractures in over 65s Public Health 4.1 Infant mortality Public Health 4.3 Mortality from causes considered preventable Public Health 4.13 Health-related quality of life for older people Public Health 4.16 Diagnosis rate for people with dementia NHS 2 Health-related quality of life for people with longterm conditions NHS 2.6 Enhancing quality of life for people with dementia Adult Social 1.A Social care-related quality of life Care Adult Social Care Adult Social Care 2.A 2.B Permanent admissions to residential and nursing care homes, per 100,000 population Proportion of older people (65 and over) who were still at home 91 days after discharge from hospital into reablement/rehabilitation services D e m o g r a p h i c s : a g e i n g p o p u l a t i o n Page 3

Executive summary The population age structure for Wiltshire is broadly similar to the population of the South West region. Currently Wiltshire has a dependency ratio (a simple ratio of those of non working age to those of working age) similar to the South West but higher than England. Wiltshire s population is ageing more rapidly than England or the South West, reflected by growth of 20.1% in the number of people aged 65 or over between 2002 and 2010. This is significantly greater than the 11.6% increase in England or 14% increase in the South West. Wiltshire s population is set to increase by 31,100 persons between 2011 and 2021 according to the office for National Statistics (ONS) interim population projections based on the 2011 Census, an increase of 6.6%. The projected population figures show a steep increase in older people with the percentage of the population in Wiltshire aged 65 or over reaching 22.6% by 2021. This represents a 32% increase in the number of people over 65 in Wiltshire over this 10-year period. The number of Wiltshire s residents aged over 85 years is projected to increase from around 12,000 in 2011 to over 17,000 by 2021 (42.4%). The dependency ratio is projected to increase by 12.8% between 2011 and 2021 in Wiltshire compared to a 7.4% rise in England. As the ratio increases, there is an increased pressure on the economically active part of the population to maintain the welfare of the economically dependent. This is, to a large extent, a national issue in terms of education, health service, and pension provision. However, care and support is provided by carers such as spouses, partners, family members, friends and neighbours. Informal care and support is, therefore, especially important in Wiltshire. D e m o g r a p h i c s : a g e i n g p o p u l a t i o n Page 4

Age group Wiltshire JSA for Health and Wellbeing 2013/14 Introduction See introduction section for description of population data sources. Current population estimates The population age structure for Wiltshire (usually presented in a population pyramid) is broadly similar to the population of the South West region. Figure 1: Wiltshire and South West populations 2012 mid-year estimate Wiltshire and South West populations - 2012 mid year estimate 85+ 80-84 75-79 70-74 65-69 60-64 55-59 50-54 45-49 40-44 35-39 30-34 25-29 20-24 15-19 10-14 5-9 1-4 South West Females South West Males Wiltshire Females Wiltshire Males Source: 2012 mid-year estimate, ONS. Dependency ratios 4 3 2 1 0 1 2 3 4 Percentage of the total population A dependency ratio is a simple ratio of those of non-working age to those of working age. As the ratio increases there may be an increased burden on the economically active part of the population. Dependency ratios estimate the percentage of a population that depend on people of working age for support. They do not take account the proportion of people actually working within each age. Using statistics from the 2011 Census dependency ratios can be calculated which show how many non-working age people are dependent on every 100 working age people. Wiltshire has a dependency ratio of 65.4, higher than the South West at 65.2 and England at 58.9. The 2012 mid-year estimates show that compared to averages in the South West and England, Wiltshire has a higher percentage (19.2% compared to 17.6%) of its D e m o g r a p h i c s : a g e i n g p o p u l a t i o n Page 5

total population under the age of 16 years. It also shows that, compared to England, Wiltshire has a relatively high percentage of its total population aged 65 or over (18.9%), although slightly less than the South West average (20.3%). The combination of these two facts means that Wiltshire has a relatively low percentage of its population aged between 16 and 64 (63.2%). Calculation of dependency ratios has been complicated by changes to the state pension age for women. The state pensionable age (SPA) for women will increase by six months every year (one month every two months) between April 2010 and March 2020. The age groupings used in the 2011 mid-year estimates from ONS reflect the SPA for women as of the 30 June 2011. Of the estimated population of females aged 60 on 30 June 2011, 35 per cent are defined as SPA, and the remaining 65 per cent are defined as not SPA. Wiltshire Council estimates and projections Wiltshire Council uses a population modelling tool which enables generation of local population projections based on ONS and other administrative datasets. There are numerous benefits to be had in using this population model, not least being able to produce population projections (by individual ages and sex) for bespoke geographies within Wiltshire such as community areas, e.g. the number of 23 year old women in Corsham Community Area in 2014. Wiltshire and Community Area population estimates and projections 2001 to 2026: trend-based This document [http://www.intelligencenetwork.org.uk/easysiteweb/getresource.axd?assetid=4964 5&type=full&servicetype=Attachment] provides estimates of population in Wiltshire Unitary Authority and community areas of Wiltshire for 2001 and 2009. It also provides projections for individual years from 2010 to 2016, and for 2021 and 2026. Figures are given for the key variables: age structures and components of change. The projections presented in this document are trend-based which means they don t take account of local policy decisions such as where new houses will be built. The data is available in Excel format from the Intelligence Network [http://www.intelligencenetwork.org.uk/population-and-census/?opentab=2]. Table 1 and figure 2 show the number and proportion of the populations in different age groups in each Community Area. There is considerable variation between Areas for example only 10% of people in Tidworth are of retirement age compared to 28% in Bradford on Avon. D e m o g r a p h i c s : a g e i n g p o p u l a t i o n Page 6

Table 1: Community Area populations by broad age range, 2011 Community Area 0-15 Working age population* Retirement age population* Total Amesbury 6650 21230 5680 33570 Bradford on Avon 2840 9860 4830 17520 Calne 4720 13260 4320 22300 Chippenham 9240 27040 8250 44530 Corsham 3900 11870 4280 20050 Devizes 5820 17900 7300 31030 Malmesbury 3480 11110 4280 18870 Marlborough 3960 9820 4140 17920 Melksham 5400 15360 5820 26590 Mere 790 2850 1750 5390 Pewsey 2400 7970 3350 13730 Salisbury 7850 24220 9290 41370 Southern Wiltshire 3340 11520 6000 20850 Tidworth 3210 12250 1700 17150 Tisbury 1300 3570 2170 7040 Trowbridge 8260 25200 8250 41700 Warminster 4610 15610 5900 26110 Westbury 3850 10510 3920 18280 Wilton 1470 4880 2320 8680 RWB & Cricklade 5380 17460 5940 28790 * Working age population: males 16-64 and females 16-59 Retirement age population: males 65+ and females 60+ Source: Wiltshire Council, 2011 population projections D e m o g r a p h i c s : a g e i n g p o p u l a t i o n Page 7

Figure 2: Proportions in each broad age range by Community Area, 2011 Source: Wiltshire Council, 2011 population projections Historical population change Wiltshire s population grew by 9.6% from 2001 to 2011. This growth rate is comparable to that of England (8.1%) as a whole over the same period, though slightly less than the 7.6% growth experienced in the South West. However, Wiltshire s population is ageing more rapidly than England or the South West, reflected by growth of 24.4% in the number of people aged 65 or over between 2001 and 2011. This is significantly greater than the 14.6% increase in England or 16.9% increase in the South West. A comparison of Wiltshire census 2001 population against the mid-year 2011 population can be seen in figure 3.This increase is common across all community areas. However, 6 of the community areas experienced a 30% increase in the 65 and over population. Further information on the difference between the 2001 and 2011 population can be found on the intelligence network. D e m o g r a p h i c s : a g e i n g p o p u l a t i o n Page 8

Figure 3: Wiltshire population change, 2001-2011 90+ 85-89 80-84 75-79 70-74 65-69 60-64 55-59 50-54 45-49 40-44 35-39 30-34 25-29 20-24 15-19 10-14 5-9 0-4 Census 2001 and mid-year 2011 population estimates, by 5 year age group and sex, % of total population. Census 2001 Females Census 2001 Males Mid-2011 Females Mid-2011 Males 5 4 3 2 1 0 1 2 3 4 5 Source: Wiltshire Council Future population change % of Total Population in Age Groups In England, the South West and Wiltshire, the population structure is shifting towards that of an ageing population. Implications of an ageing population are wide in terms of people living longer into older age, with an increased demand for health and wellbeing services, a reduction in working age people, a reduced contribution to the economy and lower incomes, and increased human resources for care services (paid and unpaid carers). Population projections are important in order to plan provision of all community services to ensure that the needs of the local population are met. Wiltshire s population is set to increase by 31,100 persons between 2011 and 2021 according to ONS interim population projections based on the 2011 Census, an increase of 6.6%. However, it is the composition of such growth that is going to pose what is likely to be the greatest challenge to Wiltshire over the forthcoming decades: an ageing population. D e m o g r a p h i c s : a g e i n g p o p u l a t i o n Page 9

Figure 4: Wiltshire and South West populations - 2021 Source: 2011-Cenus-based interim sub-national population projections, ONS. There will be a major shift in the population structure over the next 5 to 10 years as the proportion of the population aged over 65 increases. Using ONS projections based on the 2011 Census, 18.2% of the population of Wiltshire is aged 65 and over in 2011. This is higher than the England estimate of 16.4% (Table 2). The projected population figures show a steep increase with the percentage of the population in Wiltshire aged 65 or over reaching 22.6% by 2021. This also represents a 32% increase in the number of people over 65 in Wiltshire over this 10-year period. Health and wellbeing needs increase with age, with a higher burden of chronic disease, susceptibility to the negative impacts of social isolation and an associated raised need for health and social care services and carers. An estimated drop of 4.8% of people of working age in Wiltshire over the next 10 years means there will be further implications in terms of balancing income and pensions. Table 2: Population projections (by age group) for Wiltshire and England % Under 15 % 15 to 64 % 65 or over Wiltshire England Men Women All Men Women All 2011 18.5% 17.4% 17.9% 18.4% 17.0% 17.7% 2021 18.9% 17.8% 18.3% 19.1% 17.9% 18.5% 2011 64.9% 62.8% 63.8% 66.8% 65.0% 65.9% 2021 59.9% 58.1% 59.0% 63.6% 62.1% 62.8% 2011 16.6% 19.8% 18.2% 14.9% 18.0% 16.4% 2021 21.2% 24.0% 22.6% 17.4% 20.0% 18.7% Source: Subnational Population Projections Unit, ONS: Crown Copyright. D e m o g r a p h i c s : a g e i n g p o p u l a t i o n Page 10

Much of Wiltshire s retired population will live active and healthy lives, contributing to their communities for many years. However, it must be noted that the fastest population increase has been, and will continue to be, in the number of people aged 85 years and over. In the 2012 mid-year estimates there are more than twice as many females as males in this population group. The number of males aged 85 years and over is projected to increase by 67% between 2011 and 2021, compared to an increase of only 30% for females of the same age group over the same period. In total, the number of Wiltshire s residents aged over 85 years is projected to increase from around 12,000 in 2011 to over 17,000 by 2021. Dependency ratios Figure 5 shows the predicted changes in dependency ratios over the next 10 years. The 15 to 64 population has been chosen to approximate the working age population in future years. The dependency ratio is projected to increase by 12.8% between 2011 and 2021 in Wiltshire compared to a 7.4% rise in England. Also, the dependency ratio for over 65s in Wiltshire is predicted to grow by 9.8% between 2011 and 2021, with a smaller increase in ratio of 4.8% estimated to occur in England over the same period. This is a result of the ageing population of both Wiltshire and England. Figure 5: Projected changes in dependency ratios Source: Subnational Population Projections Unit, ONS: Crown Copyright. As the ratio increases, there is an increased pressure on the economically active part of the population to maintain the welfare of the economically dependent. This is, to a large extent, a national issue in terms of education, health service, and pension provision. However, care and support is provided by carers such as spouses, partners, family members, friends and neighbours. Informal care and support is, therefore, especially important in Wiltshire. D e m o g r a p h i c s : a g e i n g p o p u l a t i o n Page 11

The cost of adult social care is known to rise significantly for this population group. Wiltshire s Working-Age Population (WAP) is projected to decrease from 60.4% to 54.4% of total population but Wiltshire s Retirement-Age Population (RAP) is projected to increase by almost half again from 21.5% to 29.8% by 2026. This will result in enormous pressure on public sector resources to care for Wiltshire s older population in the future. Wiltshire Council projections Using the Wiltshire Council trend-based population projections the growth in different age groups can be examined for each Community Area. Table 3 shows the percentage change between 2011 and 2021 for young people; working age people and retirement age people. There is considerable variation between Areas for example the 0-15 population in Tidworth is projected to decrease by 8% whilst it is expected to increase by 7% in Bradford on Avon. Calne is projected to see a 16% increase in its working age population but Tisbury a 13% fall. All Areas are projected to see an increase in their retirement age population and this is shown graphically in figure 6. Table 3: projected % population change (2011 to 2021) by broad age range Community Area 0-15 Working age population* Retirement age population* Amesbury -2% 0% 23% Bradford on Avon 7% -3% 22% Calne 4% 16% 35% Chippenham -2% 2% 33% Corsham 4% 6% 28% Devizes 0% 6% 32% Malmesbury -1% -3% 35% Marlborough 1% -5% 34% Melksham -1% 6% 23% Mere -3% -7% 24% Pewsey -6% -2% 33% Salisbury 4% -2% 21% Southern Wiltshire -4% -3% 19% Tidworth -8% -6% 35% Tisbury -4% -13% 19% Trowbridge 2% 8% 28% Warminster -3% 3% 18% Westbury 5% 9% 26% Wilton -1% -1% 9% RWB & Cricklade -2% -4% 31% * Working age population: males 16-64 and females 16-59 Retirement age population: males 65+ and females 60+ Source: Wiltshire Council, 2011 population projections D e m o g r a p h i c s : a g e i n g p o p u l a t i o n Page 12

Figure 6: Projected % increase (2011 to 2021) in retirement age population Source: Wiltshire Council, 2011 population projections Challenges for consideration The challenges described in this section are taken from the statistical profile of equity in Wiltshire 4. This was commissioned by the Resilient Communities Partnership (RCP) as part of their equalities agenda and produced in 2011. It provides a comprehensive statistical baseline of equality and inclusion in Wiltshire. The report looks at nine protected characteristics 5 one of which is age; and measures these against dimensions of equality 6. Barriers to services - many older people will live active and healthy lives, contributing to their communities for many years, however, for the very old, there may be barriers which prevent them from accessing services, whether these are through poor finances, health or lack of transport. Health - While people will live longer because of medical and other advances there is expected to be a rise in the years of life spent with a limiting persistent illness or disability and the years spent in poor general health. Employability - due to the fact that the proportion of people of a working, taxable age will shrink (although less so now that the retirement age is changing) we expect older workers will come to make up a larger share of our labour force than in recent history. We will need to consider whether to: maintain the employability of older workers who wish to remain in work, or cannot afford to retire early without state support; maintain the relevance of D e m o g r a p h i c s : a g e i n g p o p u l a t i o n Page 13

older workers skills; and ensure that mobility levels 7 are sufficient to adjust to future changes in the location and composition of jobs. Pensions - the Prudential s annual Class of 2011 survey (national research), which analyses the expectations of those planning to retire in the forthcoming year, has found that 20% of those planning to retire in 2011 have no private or company pension and will be reliant on the State Pension to fund their retirement; 28% of females and 10% of males. The report states that: whilst State Pension levels are due to rise to 102 later this year, this still provides a relatively low level of income, even taking into account the means tested Pension Credit or the suggested 140 flat rate, when compared to average salaries for workers in the UK 8. Acceptable standard of living - according to the Joseph Rowntree Foundation 9, a single person in the UK needs to earn at least 14,400 a year before tax in 2010, to afford a basic but acceptable standard of living. An average male this year will receive an annual pension income of 19,593 while a woman will receive just 12,169 (Prudential, 2010). This gap can probably be attributed to the fact that as women often stop employment or choose to work part time when they have children and tend to provide informal care provision, they can miss out on being eligible to receive the full state pension. The gender pay gap may also play a part. Caring responsibilities In the future, not only will this trend continue but the concentration will fall on women who are in their middle years (the intermediate age between youth and old age). D e m o g r a p h i c s : a g e i n g p o p u l a t i o n Page 14

Contact information Document prepared by: Simon Hodsdon Public Health Scientist Wiltshire Council Telephone: 01225 718769 Email: simon.hodsdon@wiltshire.gov.uk With input from: Doug Anderson, Demographer, Wiltshire Council 1 Transparency in outcomes: a framework for quality in adult social care: The 2012/13 Adult Social Care Outcomes Framework, Department of Health, March 2012. 2 Department of Health http://www.dh.gov.uk/en/publicationsandstatistics/publications/publicationspolicyandguidance/dh_1 32358] 3 The NHS Outcomes Framework 2012/13, Department of Health, December 2011. url: http://www.dh.gov.uk/en/publicationsandstatistics/publications/publicationspolicyandguidance/dh_1 31700 4 Equality in Wiltshire: a statistical profile, May 2011. http://www.intelligencenetwork.org.uk/community/ 5 Equality Act 2010 6 Adapted from the Equalities Review 2007 and the Equality Measurement Framework 7 Labour market mobility refers to a person moving within the labour market (i.e. from on employer to another) or changing roles without changing employers. 8 This 140 flat rate has now been proposed to increase to 155 9 A minimum income standard for the UK in 2010, Joseph Rowntree Foundation, July 2010 D e m o g r a p h i c s : a g e i n g p o p u l a t i o n Page 15