Clients are trying to reduce the risks in their population.

However, in terms of trying to improve the wellbeing of their workforce, it is a bit like the Dutch boy with his finger in the dike given the challenging wider operating environment.

Post-pandemic, the nation is less active, it’s far more anxious – the general population is less healthy. So those employers who are trying to correct that in terms of workforces are swimming against the tide to a degree.

But they have to do it because the NHS is only going to get worse in the foreseeable future; there’s not just 100,000 vacancies, there’s 100,000 people off sick in the NHS right now.

The service cannot cope with that.

Then the general poor state of public health is driving up demand on the NHS, cancers are getting picked up later and there are more cardiovascular and more diabetes conditions.

So the demand is growing, the resource is not there to meet it, waiting lists will continue to get worse and the pressure is going to stay on the system.

That means employers have got to invest in health and wellbeing and early detection.

They’ve got to find a way to invest in that, while also accepting the fact that we are going through a process of rebasing the cost of PMI in this country.

We are resetting the baseline costs, and it’s not going to come back down again, because some of our additional demand is now baked into the population.