about 4%
Food and fuel are pretty flat for the year. Plane tickets and medical co-pays have increased significantly. The gardener has been ripping me off the whole time so that price hasn't changed. VOIP has made phone calls cheaper. My Etisalat provided internet is way faster than it was last year. The utility and redundancy of personal technology (tabs, pads, phones) have increased netting a lower cost for these gadgets. Although my expectation for the increase was slightly higher, I think the review is priced for suitable retention from the company's standpoint.