An ACC lawyer says there's a simple answer to the insurer's deficit problem.  

The Scheme's recorded a net deficit of $1.5 billion, blowing the total out to $13.8 billion. 

ACC lawyer and researcher Warren Forster told Mike Hosking tackling this issue requires looking at it over a generation. 

He says they need to be careful about value for the money they collect and stop changing how they calculate the amount needed.  

Forster says ACC did really well with its return on investment this year. 

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