^{page 74 note *} See paragraph 4 as to rates of unemployment.

^{page 75 note *} It appears from the Actuarial Report on the Bill of 1911, that in the absence of data as to the rates of unemployment in the several branches of the Building Trade the rate for the whole trade was taken as double the rate appropriate to one branch of the trade, namely: Carpenters and Plumbers. The experience of the years 1913–14, which may be taken on the whole as sufficient to indicate the relations between one branch of the Trade and another, suggests that the proportion should have been taken as 4 to 3, and this proportion has now been adopted.

^{page 76 note *} It has been considered advisable to assume a somewhat higher rate for persons under the age of 18, in view of the time probably lost by many of those who, as this age is approached, are excluded from juvenile occupations, and pass in to adult employment.

^{page 77 note *} The Act was Subsequently amended to substitute “the insurance year” for “any period of twelve months”, thus increasing the liability to some extent.

^{page 77 note †} A somewhat larger percentage is assumed in the case of persons under the age of 18, in correspondence with the assumption of a higher unemployment rate at these ages.