2012 Q3/UK Consumer Finance


Summary

Full results


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INDEX Facts

  • Completed date:

    20 Jul 2012

  • Total URLs tested:

    322,038

  • Total tests run:

    105,034,592

  • Total number of PDF's:

    14,317

  • URLs failing functional tests:

    2.99%

  • Pages failing code standards:

    86.40%

  • Pages missing a title:

    3.81%

  • Pages failing accessibility level A:

    31.27%

  • Pages failing accessibility level AA:

    97.37%

  • Poorest code quality:

    Alliance & Leicester Group (http://www.alliance-leicester.co.uk/) - 126,577 failures

  • Fastest average response time:

    HSBC Private Bank (http://www.hsbcprivatebank.com/)




Accessibility and Performance rankings Expand / contract icon

This table reports the average response time we recorded when testing each site. A response time above 0.7 seconds can have a negative effect on user experience.

This table reports the percentage of pages on the sites we tested that passed automated WCAG 1.0 A and AA testing (0 means every page had an issue).

Organisation Avg. Response Download (kB/s)
HSBC Private Bank 0.01 355.02
European Bank 0.01 5452.45
National Friendly 0.02 1244.41
CCLA Investment Mana​gement 0.02 5750.85
SAV Credit 0.02 2282.28
Daiwa Securities SMB​C Europe 0.02 5353.94
Health Shield Friend​ly Society 0.02 1534.46
JP Morgan Asset Mana​gement 0.02 462.68
M&​G Investments 0.02 356.59
3i Group 0.02 659.96
APACS 0.02 3557.80
Morgan Stanley &​ Co. International 0.02 778.09
Close Brothers Bank 0.02 2904.54
Adam &​ Company Group 0.02 613.88
Julian Hodge Bank 0.02 757.56
Monmouthshire Buildi​ng Society 0.03 2579.10
Communications Worke​rs Friendly Society 0.03 2494.66
Yorkshire Bank 0.03 1144.82
WH Ireland Stockbrok​ers 0.03 2693.83
Syscap 0.03 1652.41
Clydesdale Bank 0.03 1111.78
Mortgage Next 0.03 667.37
LMS Holdings 0.03 444.55
Woolwich Building So​ciety 0.03 1203.82
Britannia Building S​ociety 0.04 583.73
BM Savings 0.04 414.67
Sainsbury's Bank 0.04 631.26
Scottish Widows Bank​ plc 0.04 431.43
HSBC Bank 0.04 329.55
Smile 0.04 562.24
Newbury Building Soc​iety 0.04 807.63
BIBBY Financial Serv​ices 0.04 520.82
Eiger Systems 0.04 608.07
BCW Group 0.04 571.45
Smith &​ Williamson Holdings​ Ltd 0.04 1720.35
St Andrew's Group 0.04 1664.95
Agricultural Mortgag​e Corporation 0.04 2150.26
Coventry Building So​ciety 0.04 430.04
More Than 0.04 559.54
GE Commercial Financ​e 0.04 347.44
Birmingham Midshires​ Building Society 0.04 334.25
Legal &​ General Bank 0.04 589.89
Barclays Capital 0.04 1242.75
Brown Shipley 0.04 599.78
Direct Line Financia​l Services 0.04 910.16
Ulster Bank 0.05 846.29
Lloyds TSB 0.05 344.58
Barclaycard 0.05 1416.87
Hitachi Capital 0.05 1685.45
Isle of Man Bank Lim​ited 0.05 669.05
Leeds Building Socie​ty 0.05 325.20
Chelsea Building Soc​iety 0.05 296.36
Close Premium Financ​e 0.05 1210.56
Teachers Building So​ciety 0.05 1460.68
Ocean Finance 0.05 88.76
Reliance Bank Limite​d 0.05 1945.04
Rabobank Internation​al 0.05 7198.84
Skipton Building Soc​iety 0.05 1152.42
Yorkshire Building S​ociety 0.06 301.10
National Westminster​ Bank - NatWest 0.06 438.28
Citibank Internation​al 0.06 968.27
Royal Bank of Scotla​nd International 0.06 400.96
AWD Moneyextra 0.06 506.17
Paragon Group 0.06 482.58
Redmayne Bentley 0.06 1725.03
Calyon 0.06 182.86
Hoodless Brennan Sto​ckbrokers 0.06 1417.09
Co-operative Financi​al Services 0.06 579.37
RBS Group 0.06 476.66
Masterlease 0.06 848.99
Vocalink 0.06 923.90
Bank of Ireland 0.06 2505.51
ARVAL 0.07 971.56
Travelex Global and ​Financial Services 0.07 508.15
Dudley Building Soci​ety 0.07 818.10
Mortgage Express 0.07 506.19
Capital One Bank (Eu​rope) 0.07 454.83
MasterCard 0.07 2048.83
Clegg Gifford Privat​e Clients 0.07 4029.96
London Stock Exchang​e 0.07 948.57
Deutsche Bank 0.07 1465.71
Standard Life Bank 0.07 655.46
West LB Bank 0.07 529.11
West Bromwich Buildi​ng Society 0.07 440.21
European Central Ban​k 0.08 1701.64
Tesco Personal Finan​ce Group Limited 0.08 725.26
UKI Partnerships 0.08 1043.44
Coface UK 0.09 734.46
Family Investments 0.09 931.58
Coutts &​ Co 0.09 2421.74
BNP Paribas Finance 0.09 307.40
Aberdeen Asset Manag​ement 0.09 1979.21
First Response Finan​ce 0.09 428.04
Intelligent Finance 0.10 1086.15
Landesbank Berlin 0.10 863.65
Cofunds 0.10 1642.59
WestLB Mellon Asset ​Management (UK) 0.10 2302.11
Goldman Sachs Intern​ational 0.10 740.40
Diners Club 0.10 1015.35
engage Mutual Assura​nce 0.10 972.51
The Money Shop 0.10 934.34
Allied Irish Bank 0.10 401.49
James Hay 0.11 3041.29
Alliance &​ Leicester Group 0.11 137.40
Portman 0.11 8.14
Cater Allen Private ​Bank 0.11 1941.07
Moneysupermarket 0.11 569.09
Welcome Finance 0.11 610.10
Newcastle Building S​ociety 0.11 74.45
Nationwide Building ​Society 0.11 8.63
Standard Chartered B​ank 0.12 1013.64
Commerzbank 0.12 536.55
Kensington Mortgages​ 0.12 1014.43
Abbey National 0.12 131.98
Bank of England 0.12 2304.17
AIB Capital Markets 0.12 98.32
Cambridge Building S​ociety 0.12 1600.84
Halifax 0.12 804.22
Siemens Financial Se​rvices Limited 0.12 327.09
Cheshire Building So​ciety 0.13 829.37
Cattles 0.13 1233.58
First Trust Bank 0.13 278.14
Glitner Bank 0.13 825.38
Marks &​ Spencer Financial S​ervices 0.13 124.37
John Charcol 0.13 864.62
Darlington Building ​Society 0.13 1947.63
Williams de Broe 0.13 911.41
Anglo Irish Bank 0.14 814.38
Derbyshire Building ​Society 0.14 1034.73
Seymour Pierce 0.14 256.46
GMAC Commercial Fina​nce 0.14 430.01
Advantage Finance 0.14 397.84
Charity Bank 0.14 694.39
SWIFT 0.14 4943.07
Financial Ombudsman ​Service 0.14 1279.90
Scotiabank 0.14 732.02
C. Hoare &​ Co 0.15 954.88
Loughborough Buildin​g Society 0.15 1866.18
Nottingham Building ​Society 0.15 1250.19
Quayle Munroe 0.15 1394.87
Airdrie Savings Bank​ 0.15 689.99
Cumberland Building ​Society 0.15 919.42
Investec Group 0.16 2951.57
Secure Trust Bank Pl​c 0.16 304.72
Bank of Scotland 0.16 746.45
Julius Baer Investme​nts 0.16 1298.66
Rothschild &​ Sons 0.16 1365.31
Euler Hermes Group 0.16 360.25
GE Life 0.16 2527.31
LeasePlan UK 0.17 463.22
Societe Generale Gro​up 0.17 1258.25
MBNA Europe 0.17 172.27
JPMorgan Chase 0.17 434.12
M&​S Money 0.17 612.71
Incasso Debt Recover​y 0.17 444.98
Building Societies A​ssociation 0.17 3885.38
Investec Asset Manag​ement 0.17 2586.81
Sumitomo Mitsui Bank​ing Corporation Euro​pe 0.18 143.36
FIRSTPLUS Financial ​Group 0.18 379.10
Moneyfacts Group 0.18 395.71
Jefferies Internatio​nal 0.19 299.72
Cheltenham &​ Gloucester 0.19 219.53
ABN AMRO 0.19 777.07
Homeloan Management 0.19 746.77
Rathbone Investment ​Management Limited 0.19 3037.73
Cash Converters 0.19 333.24
ClearDebt 0.20 535.85
Islamic Bank of Brit​ain 0.20 151.09
Credit Suisse Group 0.20 1595.11
Ipswich Building Soc​iety 0.20 2078.69
Davis Group 0.20 1967.54
Capital Resolve 0.20 52.22
Brilliant Mortgages 0.21 40.28
SG Hambros Bank Limi​ted 0.21 446.73
Ecology Building Soc​iety 0.21 4736.42
Pershing Securities 0.22 292.61
Blackrock 0.23 287.69
Mercer 0.23 281.55
Citigroup Global Mar​kets Limited 0.23 625.50
Clarity Credit Manag​ement 0.23 5140.52
EFG Group 0.24 633.22
Bank of Montreal 0.24 356.62
Bank of New York Mel​lon (International) ​Ltd (The) 0.24 254.45
Schroders 0.25 1176.27
GE Money 0.26 118.71
Butterfield Private ​Bank 0.26 84.02
Landesbank Hessen-Th​uringen 0.26 1855.21
Quick Quid 0.27 184.09
Invesco Perpetual 0.27 177.16
Renaissance Capital ​Limited 0.28 116.18
Merrill Lynch 0.28 505.29
Dexia Public Finance​ Bank 0.30 1484.37
Northern Bank 0.30 309.62
PMI Europe 0.31 236.66
Debt Free Direct Gro​up 0.31 1041.88
Practice Plan 0.31 322.08
Shore Capital 0.32 449.32
Scottish Widows Inve​stment 0.32 977.78
Numis Securities 0.32 1496.69
Charles Schwab UK 0.32 106.94
Charles Stanley 0.32 81.60
DNB Norbank 0.33 375.09
LIFFE Euronext 0.33 325.37
Vanquis Bank 0.34 745.72
Exclusive Connection​s 0.34 39.01
Mirabaud Investment ​Management 0.34 1489.51
Leumi Bank &​ Trust Company (Chan​nel Island) 0.38 161.91
British Bankers' Association 0.38 2215.19
National Irish Bank 0.38 313.68
Standard Life Invest​ments 0.40 1199.42
Nemo Personal Financ​e 0.41 308.12
PayPoint 0.41 334.26
Altium Capital 0.42 231.79
Exeter Friendly Soci​ety 0.44 788.80
Western Union UK 0.44 130.17
First Data Internati​onal 0.45 162.00
Bank of Tokyo Mitsub​ishi 0.45 90.50
Arab Bank 0.45 4365.80
Standard Bank 0.46 120.71
MoneyGram Internatio​nal 0.47 165.75
Greenhill &​ Co 0.47 244.23
Northern Trust 0.48 157.79
Baines &​ Ernst 0.49 707.20
Nomura Bank Internat​ional 0.50 125.96
Gulf International B​ank 0.51 308.34
UBS Investment Bank 0.54 458.86
SVS Securities 0.60 160.34
Westpac Banking Corp​oration UK 0.61 88.86
Danske Bank 0.62 240.58
Macquarie Bank UK 0.64 74.98
HSBC Bermuda 0.71 124.99
Genworth Financial 0.72 1517.46
National Australia B​ank 0.86 96.41
ANZ Investment Bank 0.91 82.49
Visa Europe 0.93 88.36
Barclays Group 1.03 1112.94
Brewin Dolphin Holdi​ngs 1.20 2292.28
Organisation A AA
Julian Hodge Bank100.0096.30
Intelligent Finance100.0090.62
BM Savings100.0036.80
Birmingham Midshires​ Building Society100.0035.20
Daiwa Securities SMB​C Europe100.0028.00
M&​S Money100.0019.20
Islamic Bank of Brit​ain100.0010.40
M&​G Investments100.005.60
LMS Holdings100.002.40
Coutts &​ Co100.000.80
Nemo Personal Financ​e100.000.80
Anglo Irish Bank100.000.00
BNP Paribas Finance100.000.00
Cheltenham &​ Gloucester100.000.00
Clarity Credit Manag​ement100.000.00
Communications Worke​rs Friendly Society100.000.00
DNB Norbank100.000.00
Davis Group100.000.00
Derbyshire Building ​Society100.000.00
Dexia Public Finance​ Bank100.000.00
HSBC Bermuda100.000.00
Incasso Debt Recover​y100.000.00
John Charcol100.000.00
Kensington Mortgages​100.000.00
Landesbank Berlin100.000.00
Lloyds TSB100.000.00
Loughborough Buildin​g Society100.000.00
Monmouthshire Buildi​ng Society100.000.00
Mortgage Express100.000.00
PayPoint100.000.00
Seymour Pierce100.000.00
St Andrew's Group100.000.00
Welcome Finance100.000.00
Westpac Banking Corp​oration UK100.000.00
engage Mutual Assura​nce100.000.00
Leeds Building Socie​ty99.2069.60
Scottish Widows Inve​stment99.200.80
ANZ Investment Bank99.200.00
APACS99.200.00
Abbey National99.200.00
Alliance &​ Leicester Group99.200.00
GE Life99.200.00
Legal &​ General Bank99.200.00
Ocean Finance99.200.00
SG Hambros Bank Limi​ted99.200.00
West LB Bank99.200.00
Newcastle Building S​ociety98.917.61
GE Commercial Financ​e98.720.00
Cumberland Building ​Society98.409.60
Bank of Ireland98.404.00
Scottish Widows Bank​ plc98.403.20
Financial Ombudsman ​Service98.401.60
WestLB Mellon Asset ​Management (UK)98.401.60
ABN AMRO98.400.00
AIB Capital Markets98.400.00
Nomura Bank Internat​ional98.400.00
Nottingham Building ​Society98.400.00
Visa Europe98.400.00
GE Money97.830.00
MBNA Europe97.6013.60
Syscap97.604.00
Adam &​ Company Group97.600.00
European Central Ban​k96.8046.40
JPMorgan Chase96.802.40
Standard Life Invest​ments96.801.60
National Irish Bank96.800.80
Redmayne Bentley96.800.80
Brown Shipley96.800.00
Cofunds96.800.00
Julius Baer Investme​nts96.800.00
Shore Capital96.800.00
Mirabaud Investment ​Management96.550.00
Invesco Perpetual96.151.92
Charity Bank96.000.80
Aberdeen Asset Manag​ement96.000.00
Agricultural Mortgag​e Corporation96.000.00
Capital One Bank (Eu​rope)96.000.00
Cheshire Building So​ciety96.000.00
Macquarie Bank UK96.000.00
Vanquis Bank96.000.00
SAV Credit95.310.00
Baines &​ Ernst95.204.00
Bank of New York Mel​lon (International) ​Ltd (The)95.200.80
Bank of England95.200.00
JP Morgan Asset Mana​gement95.200.00
WH Ireland Stockbrok​ers95.200.00
Brilliant Mortgages94.680.00
Investec Group94.400.80
Halifax94.400.00
Nationwide Building ​Society94.400.00
Newbury Building Soc​iety94.400.00
Portman94.400.00
Williams de Broe94.400.00
PMI Europe94.260.00
Exclusive Connection​s93.620.00
Arab Bank93.6012.00
Blackrock93.600.00
Calyon93.600.00
Landesbank Hessen-Th​uringen93.600.00
Schroders93.600.00
Teachers Building So​ciety93.600.00
Advantage Finance92.960.00
National Australia B​ank92.801.60
BIBBY Financial Serv​ices92.800.80
RBS Group92.800.80
SVS Securities92.800.00
First Response Finan​ce92.420.00
Bank of Tokyo Mitsub​ishi92.0016.00
Allied Irish Bank92.000.00
Moneyfacts Group92.000.00
Smile92.000.00
Close Brothers Bank91.200.80
Bank of Scotland91.200.00
Britannia Building S​ociety90.406.40
Danske Bank90.400.80
Morgan Stanley &​ Co. International90.400.80
Charles Stanley90.400.00
Dudley Building Soci​ety88.800.00
Masterlease88.800.00
The Money Shop88.800.00
BCW Group87.500.00
Citibank Internation​al87.200.00
Darlington Building ​Society87.200.00
First Data Internati​onal86.400.00
FIRSTPLUS Financial ​Group85.710.00
First Trust Bank85.600.80
Rathbone Investment ​Management Limited85.600.80
West Bromwich Buildi​ng Society84.800.80
Hoodless Brennan Sto​ckbrokers84.800.00
Cash Converters83.200.00
Marks &​ Spencer Financial S​ervices83.200.00
Leumi Bank &​ Trust Company (Chan​nel Island)82.980.00
Clegg Gifford Privat​e Clients82.400.80
Glitner Bank82.400.00
Building Societies A​ssociation81.600.00
Pershing Securities81.600.00
Barclays Capital80.000.00
Ecology Building Soc​iety79.200.00
Northern Bank79.200.00
Rabobank Internation​al79.200.00
Siemens Financial Se​rvices Limited79.200.00
James Hay78.400.00
London Stock Exchang​e77.600.00
UKI Partnerships76.8014.40
Vocalink76.800.00
Mortgage Next76.270.00
Clydesdale Bank76.000.00
UBS Investment Bank74.400.00
Yorkshire Bank74.400.00
Woolwich Building So​ciety74.140.00
Brewin Dolphin Holdi​ngs73.605.60
Chelsea Building Soc​iety72.800.00
Societe Generale Gro​up71.203.20
Sumitomo Mitsui Bank​ing Corporation Euro​pe71.200.00
Credit Suisse Group70.404.80
C. Hoare &​ Co68.220.00
Debt Free Direct Gro​up68.000.00
Standard Bank66.670.00
Bank of Montreal65.600.00
Scotiabank65.600.00
Western Union UK64.8011.20
MasterCard64.002.40
Tesco Personal Finan​ce Group Limited62.401.60
Hitachi Capital62.400.00
Cattles61.600.00
Standard Life Bank57.600.00
Commerzbank56.000.00
Exeter Friendly Soci​ety55.410.00
Secure Trust Bank Pl​c54.780.87
British Bankers' Association52.000.00
LeasePlan UK48.805.60
Merrill Lynch44.800.80
SWIFT44.800.00
Co-operative Financi​al Services44.003.20
Citigroup Global Mar​kets Limited43.200.00
Moneysupermarket43.200.00
Travelex Global and ​Financial Services43.200.00
Barclaycard40.800.80
HSBC Bank35.200.00
Isle of Man Bank Lim​ited35.200.00
GMAC Commercial Fina​nce34.401.60
Direct Line Financia​l Services32.803.20
Ipswich Building Soc​iety31.2021.60
Quick Quid28.800.00
More Than21.604.80
MoneyGram Internatio​nal20.802.40
3i Group20.800.00
National Westminster​ Bank - NatWest20.000.00
Quayle Munroe17.600.80
Capital Resolve17.240.00
CCLA Investment Mana​gement17.110.00
Family Investments16.264.07
Charles Schwab UK16.000.80
Standard Chartered B​ank14.400.80
AWD Moneyextra13.600.00
Goldman Sachs Intern​ational12.800.00
ClearDebt11.200.80
Practice Plan8.800.00
National Friendly8.0648.39
Eiger Systems8.000.00
Genworth Financial8.000.00
Rothschild &​ Sons8.000.00
Investec Asset Manag​ement7.200.00
Northern Trust6.400.00
Coface UK5.600.00
Diners Club5.600.00
HSBC Private Bank5.600.00
Renaissance Capital ​Limited5.600.00
Paragon Group5.151.03
Jefferies Internatio​nal4.800.00
ARVAL4.651.16
Deutsche Bank3.200.00
Sainsbury's Bank3.200.00
Yorkshire Building S​ociety3.200.00
Mercer2.400.00
Ulster Bank2.400.00
Homeloan Management1.600.00
LIFFE Euronext1.600.00
Royal Bank of Scotla​nd International1.600.00
Barclays Group0.800.80
Cater Allen Private ​Bank0.800.00
Coventry Building So​ciety0.800.00
European Bank0.800.00
Greenhill &​ Co0.800.00
Health Shield Friend​ly Society0.800.00
Skipton Building Soc​iety0.800.00
Airdrie Savings Bank​0.000.00
Altium Capital0.000.00
Butterfield Private ​Bank0.000.00
Cambridge Building S​ociety0.000.00
Close Premium Financ​e0.000.00
EFG Group0.000.00
Euler Hermes Group0.000.00
Gulf International B​ank0.000.00
Numis Securities0.000.00
Reliance Bank Limite​d0.000.00
Smith &​ Williamson Holdings​ Ltd0.000.00
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Error free sites

The following sites scored full marks for Function.

  • JP Morgan Asset Management
  • Smith & Williamson Holdings Ltd
  • Butterfield Private Bank
  • WH Ireland Stockbrokers
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Failing A & AA on every page

The following sites failed high priority tests on every page.

  • Airdrie Savings Bank
  • Altium Capital
  • Cambridge Building Society
  • Close Premium Finance
  • EFG Group
  • Euler Hermes Group
  • Gulf International Bank
  • Numis Securities
  • Reliance Bank Limited
  • Smith & Williamson Holdings Ltd
  • Butterfield Private Bank
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Excluded from INDEX

The following sites were excluded from the INDEX.

  • Amber Homeloans
  • Any Financial
  • Arbuthnot Banking Group
  • Bank of Ireland Mortgages
  • Cahoot
  • Central Capital
  • Charterhouse Bank Limited
  • Collins Stewart Europe Limited
  • DaimlerChrysler Financial Services
  • Debt Matters
  • EBS Building Society
  • First National
  • Ford Finance Credit
  • Harrods Bank Limited
  • HFC Bank
  • Home of Choice
  • ICICI Bank UK
  • JCB Card Europe
  • Kaupthing Singer & Friedlander
  • Bank Leumi (Jersey) Limited
  • Lex Vehicle Leasing
  • Mortgage Force
  • Mortgage Point
  • Mortgages plc
  • Mortgage Trust
  • Old Mutual Asset Managers
  • One Account
  • SMBC Capital Markets
  • State Street Bank
  • Teachers Provident Society
  • Technology Leasing
  • Pink Home Loans
  • UCB Home Loans
  • Volkswagen Financial Services
  • Wolsey Securities
  • Zenith Bank (UK) Limited
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PDF testing

28.1% of checked PDFs were not tagged for accessibility.

Sitemorse performs twenty eight checks on PDF documents as part of our website benchmarking to ensure users do not experience problems such as broken links, or failing email addresses - we are also the first to test the accessibility compliance of PDF's.

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Top ten functional failures

The most common categories of functional failure.

url/fetch/notfound
File not found
37.19%
file/image/badtype
Image file has incorrect type
28.49%
url/fetch/badcookie
Web server attempted to set invalid cookie
19.38%
url/fetch/noaddr
Host not found in DNS
4.09%
url/fetch/unknownstatus
Unknown status code received from web server
3.27%
url/fetch/accessdenied
Access is denied
2.95%
url/fetch/timeout
Timeout downloading file
1.63%
url/fetch/exception
Exception while downloading file
0.95%
url/fetch/badscheme
URL scheme was unrecognised
0.62%
url/fetch/connref
Connection refused by server
0.48%
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Top ten code quality failures

The most common categories of code quality failure.

file/html/unknownentity
Unknown entity name
22.21%
file/html/badentity
Invalid character in entity
21.93%
file/html/missingclose
An element is missing the required close tag
14.64%
file/html/tagnotallowed
A start tag has been found in a position in which that element may not appear
13.80%
file/html/badattr
Invalid attribute name
8.65%
file/html/badvalue
Invalid attribute value
6.05%
file/html/unknowntag
A start or end tag was found which was unrecognised
3.81%
file/html/missingattr
A start tag is missing required attributes
2.03%
file/url/offtop
Relative URL attempted to move beyond top level
1.23%
file/html/closingunopened
A redundant close tag was found
1.16%