Cipriani landed his third penalty before Saracens started to build some pressure, only for Hougaard to frustrate the visiting support by attempting long-range, off-target, drop-goals.
Staunton missed with an 11th-minute penalty attempt, and was also wide of the target with a drop goal effort four minutes later, but Worcester had already been penalised at the breakdown and he landed the penalty.
But the Sharks stand-off was then on target with a simple drop-goal to give his side a 6-0 lead.
The more puzzling self-inflicted wound was Mr. Carney's decision to float the idea that the BOE might drop its inflation target in favor of a nominal GDP target.
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Consumer-price inflation is widely expected to hit 5% this year (more than twice its official target), though the sharp drop in oil prices may blunt that spike.
David Strettle touched down on the right only for referee Romain Poite to signal a forward pass during the build-up and ex-Tiger Hougaard was narrowly off target with a 50-yard drop-goal.
Inflation, at 3.1% in the fourth quarter, is only a tad above the bank's target, and it is forecast to drop back this year.
ECONOMIST: How did Australia buck the worldwide economic downturn?
Gloucester fly-half Nicky Robinson had a last-gasp attempt to earn a draw but his drop-goal effort missed the target, meaning his side had to settle for a losing bonus point.
Phil Godman then tried his luck with a snap drop-goal attempt, narrowly missing the target.
But Barnes found his groove again and was on target with a 72nd-minute penalty, and a drop-goal a minute before full-time.
There are fears in the cash-strapped country that tourists will stop visiting and its chances of joining the European Union will drop considerably if it is seen as a terrorist target.
It should fall steadily next year, as this year's VAT and energy-price increases drop out of the annual rate, reaching the 2% target by December, says Simon Hayes of Barclays Capital.
Shares in an acquirer typically drop on the news of a deal, and those of the target rise.
One more drop below the May lows could take the leading stocks to my target buying zones, which are determined using a combination of Fibonacci and volatility band analysis.
Only Spice's expertly timed tackle denied Malone a breakaway try, and he also tried his luck with two drop goals, one of which hit the post while the other was well off-target.
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