I agree with Dean and Gowans JJ. that it does because in the result the jury were not adequately instructed that, in considering loss of future earnings or of earning capacity, they should arrive at a figure which in their judgment represented the present value of wages which the plaintiff could have been expected to earn in the future had this accident not occurred, having regard inter alia to his own condition of health prior to the accident and the vicissitudes of life such as early death, sickness, accident and unemployment, the occurrence of which would affect the estimate. In the passage last quoted from the direction, the learned trial judge did refer to the evidence of the actuary which in this case is substantially a matter of arithmetic. His Honour did, I think, discourage the jury from applying that evidence but quite properly left it open to them to do so. The direction meant that, if the jury accepted one of the actuary's three periods as the respondent's probable working life, they could use the actuary's figures in reaching a figure without any warning that, if they did so, they might find it necessary to make adjustments to that figure for what are often called contingencies. In this way his Honour left it open to the jury to calculate the damages upon the actuary's figures without telling them that, should they do so, they could not simply do a multiplication sum without bringing other contingencies - favourable or unfavourable - into consideration. Now it may be said that, if the jury had chosen to work upon the actuary's figure of £703, it could be that they chose that figure in preference to one of the other higher figures because they thought that the respondent's abnormal susceptibility to the risk of incapacitating illness would confine his working life to the age of sixty-five years. Nevertheless, even if that were to be the case - and there were other possibilities that were not to be disregarded by the jury - the jury should have had present to their minds that they should also give consideration to other contingencies such as unemployment and sickness before the age of sixty-five as factors possibly reducing his future earnings. The authorities hereafter cited show, I think, that it is for the judge to ensure by an appropriate direction that the jury will have such considerations in mind. In the passage of the direction under discussion his Honour went on to point out that, if the jury were not to accept any of the actuary's three periods, his figures of £799, £748 and £703 would not be of assistance and went on to say "but you will realize that he" (i.e. the respondent) "was, according to the evidence, earning, with overtime, something like £22 a week, and for the period for which he may be deprived of the capacity of earning his living, then he will be entitled to be compensated on that footing". The words "for the period for which he may be deprived of the capacity of earning his living", which counsel for the respondent sought to read as meaning "for the period which you may think he is likely to be deprived of the capacity of earning his living", do, I think, in themselves constitute a misdirection, for the words his Honour here used, if taken literally left it open to the jury to say that, as the injured man's chance of recovery is only fifty/fifty, he may be deprived for life of the capacity of earning his living and he is therefore entitled to damages on the footing of £22 more or less per week for life. Furthermore, however, if the actuary's figures were to be put on one side, it was necessary for the judge to indicate to the jury that in that event they should consider whether, if the accident had not happened, other things might have occurred to prevent the injured man from working before death or old age would, in the ordinary course of events, put an end to his working life. It is not my purpose to attempt to lay down a rule of universal application but the rule generally applicable in such a case as this is, I have no doubt, that to be derived from the decision of the Court of Appeal in Phillips v. London and South Western Railway Co. [1] . That general rule is that when a jury has to assess damages for loss of earning power or future earnings resulting from an injury, they ought to be directed inter alia that they should in some way take into account the possibility that, independently of the injury, the occurrence of other contingencies to which the plaintiff was subject might have brought about some loss of earning capacity or earnings. Damages of this sort, whether regarded as for loss of earning capacity or as for loss of future earnings - and I do not enter into the kind of debate to be found in Street's Principles of the Law of Damages, pp. 44 et seq. - must, in the ordinary case, be calculated by reference to the loss of expected future earnings and it is necessary for the jury to be directed to take into account matters affecting that expectation in the particular case. There is, of course, no hard and fast rule determining how a jury must take these and other vicissitudes into account. It could, in such a case as this, be by making adjustments to a life annuity: see Phillips' Case [1] , per James L.J. [2] . It could be in choosing, as the term of the successful plaintiff's working life, a period which allows for susceptibility to harm peculiar to the particular man and making such minor adjustments as may be thought necessary for unemployment, temporary sickness and the like. The only point made here is that in some way or other the jury must, in the ordinary case, have their attention adequately directed to their task of fixing this element of damages by taking the present value of the plaintiff's loss of expected future earnings.