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  "documentTitle": "Lloyd’s and Bermuda",
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  "notes": "The chart combines bar charts for year-on-year changes and line charts for cumulative changes.",
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      "text": "Therefore, given the softening of rates in previous years, the market remains soft",
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      "text": "Historical Risk Adjusted Rate Changes",
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      "text": "Rates are significantly lower than compared to 2012\nCertain business have been particularly impacted, e.g. direct Energy, where recent rate increases are more than offset by significant pressure on rates in previous years\nTherefore, given the softening of rates in previous years, the market remains soft",
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      "text": "Source: PwC analysis of market data, 2018 risk adjusted rate changes to August 2018",
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      "text": "However given the softening of rates in previous years, the market remains soft, particularly in specific classes",
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      "text": "What does this look like over a longer period?",
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