Taxpayers face higher costs as HMRC rates rise.

Webchat usage rises as phone calls decline.

Rising NICs dampen business confidence and expansion plans.

AI investment takes priority, but skills gaps remain.

Pay has risen despite fears over tax and wage hikes.

Rising costs and tax changes impact recruitment.

Staff productivity drops as taxpayer numbers rise.

Departments urged to work together to reduce AI risks.

Businesses spared extra admin, but dividend reporting stays.