Separate cashable saving, cost avoidance and deferred demand on every line

Commissioning (adult social care, children's and housing): Separate cashable saving, cost avoidance and deferred demand on every line. Starts when: A savings claim is made on care spend. Steps: Open the line; Classify the effect; Stress-test throughput, diminishing returns, provider resistance and housing constraint; Reconcile to the ledger; Report. Done when: No line counts twice and each claim is classified with a dated stress test. Rules that apply: Review finding on savings transparency (Medway: cost avoidance shown separately from cashable saving).