Exercise 1: The £2,880 Relief Mechanism for a Higher-Rate Taxpayer — Possible Solution
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This chapter's own real mechanism applies identically regardless of the
contributor's own marginal tax rate: when a personal contribution of
£2,880 is made into a SIPP, the SIPP provider automatically claims
basic-rate tax relief back from HMRC on the contributor's behalf,
turning that same £2,880 into £3,600 inside the pension - exactly as
described in the chapter, with no distinction made there between
basic-rate and higher-rate taxpayers at this specific stage.

So for a higher-rate taxpayer contributing £2,880 personally, the same
automatic step applies:

£2,880 (personal contribution) + automatic basic-rate relief
= £3,600 inside the SIPP

WHY THIS PART OF THE CALCULATION DOESN'T CHANGE BASED ON TAX RATE
The SIPP provider's own automatic claim is specifically for basic-rate
relief, added the same way regardless of what the contributor's actual
marginal tax rate happens to be. This is exactly why the chapter
describes it as happening "automatically" and "with no further action
needed" at this first stage - it isn't a calculation personalized to
the individual taxpayer's own rate.

WHAT THE HIGHER-RATE TAXPAYER STILL NEEDS TO DO
This is precisely where the chapter's own next real detail applies: a
higher-rate (or additional-rate) taxpayer is entitled to further relief
beyond the basic rate already added automatically, but that additional
relief is not claimed automatically the same way. The chapter states
this directly - a higher- or additional-rate taxpayer must claim any
further relief they're entitled to through Self Assessment, actively
declaring the pension contribution on their own tax return (or
otherwise contacting HMRC directly) to receive the extra relief
corresponding to the gap between their own higher marginal rate and the
basic rate already applied.

WHY THIS MATTERS
Without taking this further step, a higher-rate taxpayer would only
actually receive basic-rate relief on their own contribution, leaving
real, additional relief they're legitimately owed unclaimed.

ANSWER: The mechanism works identically regardless of tax rate at the
first stage - a £2,880 personal contribution becomes £3,600 inside the
SIPP once the provider automatically claims basic-rate relief, exactly
as this chapter describes. A higher-rate taxpayer must take a further
real step to receive the rest of the relief they're entitled to: this
chapter states directly that higher- and additional-rate taxpayers must
claim any additional tax refund through their own Self Assessment tax
return, or by otherwise contacting HMRC directly, since that further
relief - unlike the basic-rate portion - is not added automatically.

WHY THIS WORKS AS AN ANSWER
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This correctly applies the chapter's own real mechanism to calculate
the first-stage result, and identifies the specific further real action
(claiming additional relief via Self Assessment) the chapter names as
necessary for a higher-rate taxpayer specifically.