Where a judge in a serious injury application under s 93(4)(d) of the Transport Accident Act 1986 makes extensive adverse credit findings, those findings can properly explain why consequences found to be 'significant' or 'marked' do not reach the 'very considerable' threshold, without the need for further explicit reasoning. The applicant's youth is a relevant consideration but does not of itself mean consequences rise to the 'very considerable' level; it suffices for the judge to acknowledge the permanence of the condition and the applicant's age.
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