figure uses a graphical format to summarise changes in net transfers between and and between and for each period changes are shown as a percentage of household net or disposable income and at six different earnings levels at the bottom of the earnings distribution and subject to relevant income limits families are assumed to be receiving meanstested assistance benefits ie unlike in the earlier replacementrate results the calculations now relate to families who do not or no longer receive any unemployment benefits that depend on a previous employment history the income values shown at zero earnings are therefore mostly driven by the value of gmi benefit as well as by other transfers for children or housing that may be available