What caused the poverty premium and the components of the poverty premium. Key points, key ideas, also about the reference papers, write it in bullet point format and there is no need for long paragraphs. Just some brief explanations, the main point is the number of bullet points we would need to have. The components that you CANNOT include are such as pre-payment meters, non-standard methods of payment, not switching fuel tariff, paper billing, access to money, high-cost credit, household goods, geographical premiums, specific-item insurance, rent and mortgage payments, loyalty penalitites, please INCULDE things outside these reasons I listed, here, thank you!