The deficit / surplus during the course of the fiscal year is affected by changes in the economic environment, errors in the economic / fiscal models and the implementation of new policy initiatives. (3dpolicy.ca)
Compare the cost of purchasing a policy with your existing insurer, including any discounts you are eligible for, against the cost of a new policy purchased through an insurance broker. (usinsuranceagents.com)
There is also a residual (total difference less impact of new policy initiatives and restraint measures). (3dpolicy.ca)