09/08/2016 Victoria Derbyshire


09/08/2016

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Hello, it's Tuesday, it's 9am, I'm Victoria Derbyshire.

:00:08.:00:11.

Banks are going to have to work harder to keep our money -

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a report says they must make it easier for customers to switch

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Daley's done it - but only after a tense wait to see

:00:24.:00:30.

if the Germans would beat him and diving partner

:00:31.:00:33.

We're over the moon, I kind of pounced on Dan at the end

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and I didn't realise we were going backwards

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I just went with it, I was like, I don't care any more!

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We will find out more about Tom's new partner.

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And he shoots, he wins - another Team GB bronze,

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this time for Somerset farmer Edward Ling in the trap shooting.

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We're live until 11am this morning and every week day morning.

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We'll bring you the latest breaking news, sport and interviews.

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And let me know if you allowed any of your children

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I ask because Jools Oliver, married to Jamie, has posted

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on Instagram this photo - she's just given birth

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to their fifth child, a little boy, and she wrote this:

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"Little baby boy Oliver has arrived!

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We are so happy, blessed, grateful, and totally in love all over again,

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and so very proud of our two eldest daughters, who cut the cord."

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Her two eldest daughters cut the umbilical cord, they watch them on

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give birth. I'd love to talk to you

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on the programme if so - send me a text, Whatsapp,

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email or tweet, and we'll try and get you on the

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programme this morning. High street banks have been ordered

:01:56.:02:01.

to revolutionise their technology The Competition and Markets

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Authority wants people to be able to manage accounts held

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with different providers with a single mobile phone

:02:13.:02:14.

app by 2018. It says this would help them

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avoid overdraft charges Let's talk to our business

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correspondent Brian Milligan. Tell me more about the technology.

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First of all what the CMA is saying is this would be an open banking

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revolution, so the idea is that you would go on your smartphone app, for

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example... example...

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Assuming you have a smartphone? Or a computer.

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Assuming you have a computer. And it would know the details of

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your spending, the patterns, it would say, last month he went

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overdrawn by ?100 and it cost you ?20 to pay for that. You might be

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better off going to another bank where the overdraft would be

:03:01.:03:04.

cheaper. So all of the banks will now be required to institute this

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technology by 2018. Of course you would have to give your consent to

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it as a customer as well, you will not be forced to do this if you

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don't want to. What about a cap on unauthorised and

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arranged overdraft charges. Did the CMA want that to be brought in?

:03:24.:03:27.

What they have brought in is something called the maximum monthly

:03:28.:03:31.

charge. At the moment, what happens if you go overdrawn without the

:03:32.:03:36.

bank's consent, they will charge you a daily fee up to a maximum of say

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80 or ?90 per month. Then, on top of that, they will charge you an

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interest rate for another was -- for other unauthorised activity. The CMA

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has said there should be a maximum monthly charge which would include

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all of those charges so that you would be able to compare one bank

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with another, but it is not a cap in the sense that individual banks will

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be able to set their own maximum monthly charge.

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Anything else in particular? What about making it easier for people to

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switch accounts? Again, this is an old chestnut that

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the CMA has been banging on about for a long time. It said today that

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still only 3% of us are switching current account every year and that

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is not enough. There are further measures to help a switch. The

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switching service will get a new regulator, there will

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be a campaign to encourage people to switch. We have heard all this

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before so a lot of people are still sceptical about whether this will

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make the switch. We will have to wait and see.

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The point of switching is that the CMA say it could save us money to

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switch accounts? Yes, it can save money. Relatively

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small amounts. But it is still incredibly difficult. I went on some

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of these banks' website yesterday to work out what the overdraft charges

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were, for example, if you are a borrower, and most of us are

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borrowers. It is really hard to see what an overdraft is going to cost

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you. They don't spelt it out until you get a bank statement that says,

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you owe us... It is still really hard and that is one of the areas

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that has been located by the CMA as a way of encouraging us to switch.

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Thank you. We will talk much more about that in the next hour of the

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programme. If you have an experience to share about exorbitant,

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expensive, what you might consider unfair, unauthorised overdraft fees,

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send me an e-mail. Annita is in the BBC

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Newsroom with a summary China's ambassador to the UK has

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warned that Britain's relationship with China could be at risk

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if the Hinkley Point nuclear Writing in the Financial Times,

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he said the two countries were at a "crucial

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historical juncture". Last month, the Government announced

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that it will delay making a decision Our China editor Carrie

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Gracie is in Beijing. Are you surprised by the tone of

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these comments? What do they say to you about how important this deal is

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for the Chinese? I'm not surprised by the tone. I

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think by the standards of this particular ambassador it was quite a

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mild intervention. This is a man who has, in the past, compared foreign

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governments to folder Mordt, the villain in the Harry Potter novels.

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We are at a point where he is still trying to advance quite gently, he

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does not want to alienate or create greater concerns about national

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security but he does want the jungle drums to get going in the business

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and city elite, hence this piece in the Financial Times to save the

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business relationship, which is worth billions of pounds, which is

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the heart of the Golden age language that we saw from the Cameron Osborne

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Government, that all of that is at risk if Hinkley Point doesn't go

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ahead. Why Hinkley Point is so important to the Chinese is because

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they saw the UK as an incredibly important showcase

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for their nuclear technology, which they are trying to export around the

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world. The UK, a developed economy with a strict regulatory regime, if

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it is good enough for the Brits it will be good enough for others, that

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is the way they would sell it. For the Brits to turn around and say, we

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are concerned about national security, safety standards, anything

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else, it actively undermines their case. Plus, the fact they had got to

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the point of the deal, they put political clout in it, they had to

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be president, signing the deal, much trumpeting of the importance of the

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deal, so I think if it doesn't go ahead, then there will be swift turn

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from golden age to dark age in this relationship.

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OK, thank you very much for that. A bitter row has developed

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between the Republican presidential candidate Donald Trump and 50 top

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national security officials The group, which includes a former

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CIA boss, says Mr Trump "lacks the character,

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values and experience" to be president and would be "the most

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reckless president" in US history. He's accused them of being part

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of a "failed Washington elite" which is to blame for making

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the world "such a dangerous place." A number of people have been injured

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following an explosion at a house in Ashton-under-Lyne in Greater

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Manchester. Firefighters were called

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to the terraced property just A number of people were found

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injured on the floor The cause of the explosion

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is not yet known. One of India's best-known

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political activists is ending Irom Sharmila has been

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force-fed through a tube She was protesting against a law

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that gives the Indian army sweeping powers to tackle an insurgency

:08:53.:08:58.

in her home region, Manipur. She says she's decided to stand in

:08:59.:09:08.

local elections as an More than 140,000 Scottish school

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pupils will receive their Highers Last year, a record number

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of Highers were awarded to pupils sitting a new set of qualifications

:09:17.:09:19.

for the first time. Royal Mail said it was "pulling out

:09:20.:09:22.

all the stops" to make sure results More than 50,000 pupils have signed

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up to get their results online Hundreds of thousands of travellers

:09:26.:09:29.

using Southern Rail train services The RMT union is staging a five-day

:09:30.:09:34.

strike over plans to make drivers, rather than conductors,

:09:35.:09:44.

operate train doors. Southern Rail said nine out of ten

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trains in its reduced timetable ran Millions of families

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are just one pay cheque away from losing their home,

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according to the housing It blames high housing costs

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for leaving so many people The cost of housing takes a big

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chunk out of many people's budgets. For some, costs are so high

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and their savings so small that they are only one pay cheque

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away from homelessness. In a joint survey with YouGov,

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the housing charity Shelter found that many families were living

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on the brink. We already know that there are more

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than 16 million working adults It means that many parents

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fear their children will be left without a roof over their heads

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if they lose their job Shelter is calling on the Government

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to improve the welfare safety net so that families don't

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lose their homes. The support that's available

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for working people when they fall behind with their rent is not

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necessarily keeping pace So people can get some help but it's

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not enough help, and we want to make sure that there is enough

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help there that people, if they lose their job,

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they can keep on paying their rents The survey found that,

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if they have lost their job, 23% of families said

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they would immediately be unable 37% would be unable to last more

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than a month. And 48% of families said that

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housing was their single biggest Shelter says it is talking

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to parents every day who face homelessness just

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because their income has taken Around four in ten shops in England

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are breaking the law by selling e-cigarettes and vaping

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liquids to children. Trading Standards officers

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carried out test purchases at more than 630 retailers,

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including independent pharmacies, and found 40% were prepared to sell

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the products to under-18s, even though this became

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illegal last year. That's a summary of the latest BBC

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News - more at 9.30am. Wow, some of you have let your

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children watch you give birth. This text, from someone who has not left

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her name, my daughter was with me throughout the Labour and birth and

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cut the cord of her brother, she was cut the cord of her brother, she was

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12 at the time, she is now 36, she was amazing. She had the choice to

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leave at any point but stayed there. It was good to have the opportunity

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to see it live, she had a real feel of how long it takes and the effect

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it has on you both before and after the birth.

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This bureau says, I had friends and family, friends and family! She does

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not say how many. At the birth of my second, third and fourth child, all

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at home. Oh, my gosh, she does say, there were 24 in the room for the

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birth of my fourth child, including my own children! Wow, Francesca,

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fair play to you leg we are asking if you have allowed your own

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children to be there when you gave birth, because Jools Oliver allowed

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her 13-year-old daughter and 14-year-old daughter to cut the

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umbilical cord. There is the pictures you posted on

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Instagram of their little baby brother, who does not have a name

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yet, just known as baby Oliver, their surname, they cut the

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umbilical cord and plenty of you have allowed your kids to do the

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same thing. Many congratulations to Jools Let me know if you allowed

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your own kids to watch you give birth, and what effect it had on

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them. Let's get the latest

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on the Olympics from John Watson. Let's start with the diving, Tom

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Daley and Daniel Goodfellow, they produced a remarkable final dive

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under huge pressure which saw them take Brian 's -- bronze in the ten

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metre synchronised platform. They had a lot of pressure on them, you

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could feed the Germans there waiting to see if they produced a bigger

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score to move above them and you can tell by the reaction from Tom Daley

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and Daniel Goodfellow ruck that it took them two bronze -- and Daniel

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Goodfellow. The second bronze to tell you about came in the men's

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trap shooting, Ed Ling came through to take bronze. He had to go through

:14:22.:14:26.

a shoot off to even reach the bronze match contest but produced some

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superb shooting on his way to taking the bronze and afterwards he said he

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will now have a party, having won bronze. He said if he won a medal he

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would have a party. He is a farmer from Somerset so he has to go home

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and tend to his crops. This is what he had to say after winning bronze.

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I'm speechless, I really am. I set my goal and to make the final, once

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you are in the final anything can happen, and I am over the moon with

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what I did. There were some missed chances? High

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hopes that Team GB would win a medal in the men's gymnastics, the team

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final, they did not manage that and it was a mistake from Louis Smith,

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their talisman, it was a mistake on the pommel, he won the medal back in

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London 2012 but last night it was a mistake which cost Team GB, they

:15:30.:15:34.

finished fourth and Japan took gold. Russia had silver and China are

:15:35.:15:38.

being Team GB to the bronze medal. Another missed opportunity for James

:15:39.:15:45.

Guy in the pool, this was a swimming event. The world champion and a lot

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of people suggested he would be the favourite to win gold but again,

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missing out on the medal altogether, finishing fourth. The event was won

:15:54.:15:59.

by Sun Yang from China, who previously served a band for doping.

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It means that he misses out on the medal for the 200 metres freestyle,

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finishing fourth. The rugby sevens, Team GB were going very well in the

:16:11.:16:14.

women's event. Winning all their matches in the group stages, they

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beat Fiji in the quarterfinals and faced Canada in the bronze medal

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play-off match, a team they had beaten in the group stages and you

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can save on their faces, Canada winning 33-10. Huge disappointment

:16:28.:16:34.

after Team GB had been going so well in the rugby sevens, the first time

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this has featured in the Olympics. It was not to be. They will be so

:16:38.:16:45.

frustrated with themselves. The athletics does not start for some

:16:46.:16:48.

time but Usain Bolt is grabbing the attention already? The first time he

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has faced the media since arriving in Rio and as you can imagine, he

:16:55.:17:00.

was understated once again! Putting on a show, some samba, really

:17:01.:17:08.

enjoying himself, showing no signs of pressure before the athletics

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events start on Friday. He is going for the triple trouble, the 100

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metres, 200 metres and the four by 100 major is, looking to win gold,

:17:17.:17:21.

the clean sweep, that would be hugely impressive. When he finished

:17:22.:17:26.

with the dancing, he told the world that this will definitely be his

:17:27.:17:31.

final Olympic Games. When the athletics to start, we will not want

:17:32.:17:35.

to mess Usain Bolt competing this year. Can we talk about Manchester

:17:36.:17:42.

United and this unbelievably ridiculously obscene amount of money

:17:43.:17:46.

they are paying for a player that used to play for them in a few years

:17:47.:17:53.

ago? ?1.5 million Manchester United got for Paul Pogba when he left in

:17:54.:17:58.

2012, they are not buying him back for ?89 million, it is a new world

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record, eclipsing the fee that Real Madrid A4 Gareth Bale, ?85 million,

:18:05.:18:09.

back in 2013. It seems crazy but this goes to show the position the

:18:10.:18:16.

club are in with Jose Mourinho on board, they want to challenge for

:18:17.:18:18.

trophies this season and they want to sign the world's best players and

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it is unfortunate that they let one of them go if you years ago and the

:18:23.:18:26.

only way to get back is to pay a world record sum. This is a great

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photograph on the BBC website, one of the most read this morning,

:18:32.:18:35.

described as a symbol of unity at the Olympics. A North Korean and a

:18:36.:18:40.

South Korean gymnast posing together for a selfie? This was a special

:18:41.:18:45.

moment captured by somebody of the peril of them. North Korea and South

:18:46.:18:54.

Korea. It shows that both nations technically still at war with each

:18:55.:18:59.

other but here they are, competing at the Olympics, posing for a

:19:00.:19:03.

selfie. It shows that that Olympic spirit is all about and that photo

:19:04.:19:07.

was shared thousands of times across social media and of people say this

:19:08.:19:11.

is what the Olympics is all about, bringing two nations which are

:19:12.:19:14.

technically at war with each other together. They are clearly enjoying

:19:15.:19:20.

being there. Cheers. Thank you for that. More throughout the programme.

:19:21.:19:28.

And you have been getting in touch about Jools Oliver who let her

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daughter 's witness her new birth. Sharon says my elder son and

:19:35.:19:38.

daughter wrote the birth of their twin sisters, I did not think it was

:19:39.:19:41.

inappropriate and I thought it would bring them closer. My daughter was

:19:42.:19:47.

16. Gill says my birth and the aftermath would definitely not child

:19:48.:19:50.

friendly. To get in touch through the morning.

:19:51.:19:54.

If you text, you will be charged at the standard network rate.

:19:55.:19:58.

We will hopefully speak to some of you who have allowed the older

:19:59.:20:02.

children to watch you giving birth. Banks are going to have to do much

:20:03.:20:07.

more to make sure customers are getting the best deal

:20:08.:20:10.

for their money. A report by the industry

:20:11.:20:12.

watchdog into the Big Four - so that's Lloyds, RBS,

:20:13.:20:14.

Barclays and HSBC - says they were charging unfair fees,

:20:15.:20:16.

especially on unplanned overdrafts and they weren't setting out clear,

:20:17.:20:19.

trustworthy information This morning the Competition and

:20:20.:20:31.

Markets Authority, the government competition watchdog, published

:20:32.:20:34.

recommendations designed to encourage competition in the retail

:20:35.:20:38.

banking sector. And they are starting with overdraft charges. It

:20:39.:20:42.

follows concerns that the big four, Lloyds, HSBC, Barclays and RBS, are

:20:43.:20:46.

not doing enough to help customers find the best deals and are charging

:20:47.:20:52.

unfair expense of fees. Many of us slip into an un-arranged overdraft

:20:53.:20:55.

if we spent more than our agreed limit. That can cost a lot if we

:20:56.:21:00.

don't have a prearranged overdraft facility. Those daily charges mean

:21:01.:21:05.

banks currently make about ?1.2 billion every year. And according to

:21:06.:21:09.

the consumer group which, customers often pay more for all arranged

:21:10.:21:14.

overdraft fees than the payday loan arrangements. The regular Joe wants

:21:15.:21:17.

banks to send text messages and other alerts to people to give them

:21:18.:21:21.

time to top up their account and avoid any charges. Some banks

:21:22.:21:27.

already do this and the experience is that just getting a prompt first

:21:28.:21:30.

thing in the morning saying you're in danger of going into an arranged

:21:31.:21:36.

overdraft can reduce the amount that customers pay in fees by about a

:21:37.:21:42.

quarter. So there is a big saving in fees. But the CMA fell short of

:21:43.:21:47.

imposing an industrywide cap on those fees, leaving for the banks to

:21:48.:21:51.

set their own limits. Thanks very procompetition, they can be true

:21:52.:21:55.

customers every day and a lot of new challenger banks are entering the

:21:56.:21:58.

market and these are basically customer friendly measures to help

:21:59.:22:04.

people get more information about their bank account, about other

:22:05.:22:07.

types bank accounts and other providers are making it easier to

:22:08.:22:09.

switch and that is pragmatic, sensible stuff, step on the right

:22:10.:22:11.

direction and hopefully that will provide those services to customers.

:22:12.:22:14.

The CMA will introduce measures to help Company is a design technology

:22:15.:22:19.

to make like-for-like comparisons between banks much easier. Six in

:22:20.:22:23.

ten of us are still with the same bank we were with ten years ago. The

:22:24.:22:28.

watchdog is planning improvements to the current accounts switch service

:22:29.:22:31.

to make it easier to change accounts but they dismissed a proposal to

:22:32.:22:38.

allow customers to take their account number with them when

:22:39.:22:39.

switching banks. . Let's speak to Oliver Joseph

:22:40.:22:40.

an account holder who has had personal problems with the fees

:22:41.:22:43.

charged for overdrafts by his bank. Michael O'Connor, the chief

:22:44.:22:45.

executive of Step Change, a charity specialising

:22:46.:22:47.

in debt problem. And Frances Coppola,

:22:48.:22:49.

an independent banking commentator who has worked for major banks

:22:50.:22:51.

such as RBS. Welcome. Oliver. It can be ?5 or ?7

:22:52.:23:01.

a day, once you go into an arranged overdraft. Is that fair? Not

:23:02.:23:06.

necessarily the way they charge us excessive amounts, my bank does have

:23:07.:23:13.

a cap but it is around the ?50 mark. Every month I have a very small

:23:14.:23:22.

overdraft and if I did go into unarranged for even three days, the

:23:23.:23:26.

charge of ?7 every day, that is an awful lot for a very small servers.

:23:27.:23:31.

So don't go into it unarranged overdraft situation? I would agree

:23:32.:23:35.

but with the banks of the payment systems, it is very hard, especially

:23:36.:23:41.

with contactless, it does not come off the balance. To accidentally go

:23:42.:23:45.

into that and if you don't have the means to come out of that before the

:23:46.:23:48.

end of the month payday, you could be looking at another overdraft fee

:23:49.:23:52.

of around eight days, depending on when you go into it. Have you been

:23:53.:23:57.

in a situation whereby the charges for it unarranged overdraft have

:23:58.:24:01.

actually lead to you getting much more in debt? Most definitely. When

:24:02.:24:09.

I incur a fee from my account, it does not come out until later in

:24:10.:24:12.

that time could be towards the end of the month, before payday, added

:24:13.:24:17.

that puts you back into an overdraft, the banks will start

:24:18.:24:22.

charging so from their charge, that puts me over, they charge again and

:24:23.:24:26.

again. And it spirals out of control. Michael and Francis, what

:24:27.:24:31.

do you think of the recommendations from the CMA today? I don't think

:24:32.:24:36.

it'll make a great deal of difference. Many already have a

:24:37.:24:43.

monthly cap, the big four have a 2% of the market, between ?39 and ?90,

:24:44.:24:50.

but will not change and what the they should do, as the payday loan

:24:51.:24:54.

market, they should intervene and save this should be the cap and you

:24:55.:24:57.

can charge no more, a level playing field. You say the FCA should step

:24:58.:25:05.

in and say this is your cap, the fees you can charge on unarranged

:25:06.:25:11.

overdraft? I don't agree, I share your concerns but unauthorised

:25:12.:25:18.

charges used to be much higher, ?25 every day. That is no consolation to

:25:19.:25:22.

people going into unarranged overdraft bull fight realising that.

:25:23.:25:31.

The fear was when you enclose -- impose a blanket cap, that becomes a

:25:32.:25:37.

price. If it is more than ?80 per month, who cares? If they set the

:25:38.:25:43.

cap at ?3 every day, you would potentially get all of the banks

:25:44.:25:45.

charging up to that level rather than competing to push the prices

:25:46.:25:49.

down, which is what the CMA want to achieve. When they're not look at

:25:50.:25:55.

what the others are doing and charge the same? Is that much competition?

:25:56.:26:01.

One of the elephants in the room in this report is the assumption that

:26:02.:26:06.

increasing competition will mean there is more prize differential. We

:26:07.:26:11.

know from other markets, like energy, when you open up competition

:26:12.:26:17.

and encourage price comparison websites and things like that,

:26:18.:26:21.

disclosure of prices, what happens is prices converge. Everybody starts

:26:22.:26:24.

charging pretty much the same and they compete on intangible things

:26:25.:26:30.

that they don't have to declare like service levels, additional features

:26:31.:26:33.

and in the case of the banks, hidden charges. I wonder if this new app

:26:34.:26:41.

that the CMA says banks have to have installed by 2018, we can download

:26:42.:26:47.

that onto your smartphone or computer, which will apparently make

:26:48.:26:52.

it simpler for us to compare and check those charges? Most people who

:26:53.:26:58.

come to charities with an overdraft, it is typically ?1700 and if you do

:26:59.:27:05.

the weekly shop and you to be overdrawn to do that to feed your

:27:06.:27:09.

family, getting a text message saying you're going into overdraft

:27:10.:27:14.

would prompt people, but I am not sure this technology will help the

:27:15.:27:18.

most vulnerable groups, who are often dipping into overdraft every

:27:19.:27:24.

month. In order to survive. And people like Oliver, I have never

:27:25.:27:28.

paid a bank charge in my life but my bank, it cost them to serve me but

:27:29.:27:32.

Oliver is paying for that and that is fundamentally unfair that some of

:27:33.:27:36.

the most fun but -- financially vulnerable people are having to pay

:27:37.:27:39.

the costs for the rest of us to have free banking. The charges and

:27:40.:27:43.

overdrafts typically target people who are not as well off and cannot

:27:44.:27:49.

clear them as quickly and we end up paying more. On the other hand,

:27:50.:27:52.

banks are not charities, they are there to make money. And they should

:27:53.:27:56.

make a reasonable profit but how do you spread that cost? I fear that

:27:57.:28:01.

the current system, the greatest burden is being carried by the

:28:02.:28:06.

people least able to bear it and overdraft charges are important, up

:28:07.:28:10.

to ?90 per month for the monthly cap charge. I think regulators have two

:28:11.:28:17.

balance emerging competition with protecting consumers and in the case

:28:18.:28:20.

of the payday loan industry, they did not say, let us have more

:28:21.:28:24.

information about what they charge, they put in that cap. So the balance

:28:25.:28:29.

in this case should be to protect consumers and cap things, based upon

:28:30.:28:35.

what overdrafts really cost. That is, used to work for banks like RBS,

:28:36.:28:40.

is any responsibility for the major banks to protect their most

:28:41.:28:45.

vulnerable customers are not? This is interesting, is backing a public

:28:46.:28:50.

servers or are they just in the filthy world of commerce? It is a

:28:51.:28:54.

bit of both and something we have not resolved, particularly in this

:28:55.:29:00.

particular space when we deal with payments and payments, current

:29:01.:29:04.

accounts, overdrafts and so forth, they are short-term financial needs

:29:05.:29:08.

that we face every day and they are the lifeblood of the economy and it

:29:09.:29:11.

is banks that make that work. Anyway, I feel they do have a

:29:12.:29:14.

responsibility because they're acting on her behalf to make the

:29:15.:29:21.

economy work. It costs huge amounts to the country in terms of mental

:29:22.:29:25.

health, people losing homes and jobs is a right to regulate the financial

:29:26.:29:30.

services industry to make sure they act in a certain way, it is an

:29:31.:29:33.

essential service, without a bank account to pay over the odds for

:29:34.:29:37.

lots of services, the poor pay more in this country and do regular banks

:29:38.:29:42.

and what I say to the regulators is, there should be more bravery and

:29:43.:29:45.

they should interfere with the market and we know it might affect

:29:46.:29:49.

competition but there is a society need to protect the most vulnerable

:29:50.:29:53.

and the bank is too important to be left as a free for all.

:29:54.:29:59.

I agree with you, I feel underlying this report is an ideological bias

:30:00.:30:05.

that says, if you just open up competition everything will be

:30:06.:30:10.

lovely. For a lot of people, improving competition will help, it

:30:11.:30:13.

will mean they get better deals and so bored, but there are a minority

:30:14.:30:18.

of people for whom that is not true, and we have a responsibility to

:30:19.:30:22.

protect those people. Another thing the CMA would like people to do is

:30:23.:30:26.

switch more regularly because it increases competition. Have you ever

:30:27.:30:30.

switched your account? A fair few years ago. Was it easy or a hassle?

:30:31.:30:38.

At that stage it was easy, I did not have an overdraft, it was

:30:39.:30:41.

straightforward, I did not use the new process, I just opened an

:30:42.:30:45.

account, once it was opened I migrated everything across myself, I

:30:46.:30:48.

did not leave it for the banks to do. Now, with my overdraft, I don't

:30:49.:30:53.

think I would be able to change accounts because I would not

:30:54.:30:57.

necessarily know what I am getting into... Better the devil you know?

:30:58.:31:03.

Exactly. Thank you all for your time.

:31:04.:31:04.

We'll find out more about Tom Daley's new diving

:31:05.:31:08.

It is a relatively recent diving partnership. We will talk to his

:31:09.:31:16.

coach about the Olympic success. And we'll be speaking to John Scott,

:31:17.:31:21.

the father of Team GB sailor Giles, and Nicola Schlesinger,

:31:22.:31:25.

who is Team GB's judo competitor Here's Annita in the BBC Newsroom

:31:26.:31:30.

with a summary of today's news. High Street banks have been ordered

:31:31.:31:40.

to revolutionise their technology The Competition and Markets

:31:41.:31:42.

Authority wants people to be able to manage accounts held

:31:43.:31:46.

with different providers Banks will also have

:31:47.:31:49.

to cap their monthly charges China's ambassador to the UK has

:31:50.:31:53.

warned that Britain's relationship with China could be at risk

:31:54.:31:59.

if the Hinkley Point nuclear Writing in the Financial Times,

:32:00.:32:02.

he said the two countries were at a "crucial

:32:03.:32:06.

historical juncture". Last month, the Government announced

:32:07.:32:09.

that it will delay making a decision Ten people are thought to have been

:32:10.:32:12.

hurt, at least one seriously in an explosion at a house

:32:13.:32:19.

in Ashton-under-Lyne Firefighters were called

:32:20.:32:21.

to the terraced property just The cause of the explosion is not

:32:22.:32:24.

yet known. 50 security expert in the United

:32:25.:32:39.

States has warned that, if elected, Donald Trump would be the most

:32:40.:32:45.

reckless president in history. The group says Mr Trump lacks character,

:32:46.:32:48.

values and experience to be president. He has accused them of

:32:49.:32:50.

being part of a failed elite. One of India's best-known

:32:51.:32:54.

political activists is ending Irom Sharmila has been

:32:55.:32:56.

force-fed through a tube She was protesting against a law

:32:57.:32:59.

that gives the Indian army sweeping powers to tackle an insurgency

:33:00.:33:03.

in her home region, Manipur. She says she's decided to stand

:33:04.:33:09.

in local elections as an independent The housing charity Shelter says

:33:10.:33:12.

a third of families are just one month's wages away

:33:13.:33:16.

from losing their home. The charity polled more than 1500

:33:17.:33:19.

people with children last month, and found one in three had

:33:20.:33:23.

insufficient savings to pay their rent or mortgage

:33:24.:33:25.

for more than a month That's a summary of

:33:26.:33:28.

the latest BBC news. Plenty of you allowed your older

:33:29.:33:42.

children to watch you give birth, just like Jools Oliver did. This

:33:43.:33:45.

text from someone who did not leave their name, my daughter is 18, she

:33:46.:33:50.

is my first born. 18 years later I have had my second child, my son, by

:33:51.:33:55.

Caesarean section. My daughter was my birthing partner and she cut his

:33:56.:34:00.

umbilical cord. It was an amazing and scary experience, she said. This

:34:01.:34:05.

text from Lisa, I had my third child at home, both of my older children

:34:06.:34:14.

were there, five and nine, and it was wonderful to share such an

:34:15.:34:16.

amazing experience with your children.

:34:17.:34:16.

Thank you for those. Here's some sport now

:34:17.:34:18.

with John Watson. It was a tense wait for Tom Daley

:34:19.:34:20.

and his dive partner Dan Goodfellow to discover if they'd won bronze

:34:21.:34:23.

in the 10 metre Hugely impressive as they pipped

:34:24.:34:35.

Germany to take that bronze medal, Tom Daley adding to the bronze that

:34:36.:34:39.

he won in the individual event at the London Olympics four years ago.

:34:40.:34:42.

GB's second bronze came in the men's trap shooting,

:34:43.:34:48.

He now returns home saying he will hold a party following that success.

:34:49.:35:08.

There is Ed Ling again winning in the men's trap, that bronze medal.

:35:09.:35:15.

Disappointment in the end for Team GB in the team event in the men's

:35:16.:35:19.

gymnastics, Lewis Smith with a mistake on the pommel horse which

:35:20.:35:22.

means they missed out on what would have been a bronze medal for them. A

:35:23.:35:27.

fourth placed finish in the end for Team GB in the men's team final in

:35:28.:35:32.

the gymnastics. More disappointment for the women's rugby team in the

:35:33.:35:38.

rugby sevens. The first time they have featured rugby sevens at the

:35:39.:35:42.

Olympics. They missed out on a bronze medal, huge disappointment

:35:43.:35:45.

for Team GB as they lost to Canada in the bronze medal play-off.

:35:46.:35:54.

It has been the ongoing transfer of the summer, Paul Pogba, but Jose

:35:55.:36:00.

Mourinho finally has his man. He has had to pay through the nose for him,

:36:01.:36:06.

?89 million, a new world transport record, but Paul Pogba, who, as we

:36:07.:36:10.

know, was at Manchester United a few years ago and left them for ?1.5

:36:11.:36:14.

million, they have now paid ?89 million to bring him back. Let's

:36:15.:36:17.

hope he plays well. Thank you very much.

:36:18.:36:21.

Team GB has now won four medals at the Rio Olympics.

:36:22.:36:24.

Tom Daley and Dan Goodfellow took bronze in the synchronised 10

:36:25.:36:26.

They beat Germany by just six points with their last dive.

:36:27.:36:30.

A fabulous result since they only started working together last

:36:31.:36:34.

It is just a little bit out of sync from a distance

:36:35.:36:47.

Come on, judges, press those buttons!

:36:48.:36:54.

You don't see it yet but we need to give you that information.

:36:55.:37:12.

Because they are going to celebrate, they have seen it!

:37:13.:37:15.

It is Daley and Goodfellow who usurp the Germans

:37:16.:37:18.

with their very last dive, we will get the confirmation...

:37:19.:37:20.

Daley and Goodfellow are bronze medallists

:37:21.:37:23.

Claire Balding caught up with them after they clinched bronze.

:37:24.:37:52.

Tom, how difficult was it up there, and that last

:37:53.:38:00.

I mean, going into the last round, it's always an intense pressure

:38:01.:38:04.

in any competition but when it's the Olympic Games, multiply

:38:05.:38:06.

You're up there, it's windy, it's a bit cold and going

:38:07.:38:11.

into the last dive, we were two points ahead of the Germans in May

:38:12.:38:14.

at the European Championships in London, it was the same situation

:38:15.:38:19.

and they took us out and they won the gold.

:38:20.:38:24.

This time, we wanted to make sure that didn't happen,

:38:25.:38:27.

and we got the Germans back and we got the bronze medal.

:38:28.:38:30.

Dan, for you, what were you trying to think going into those final

:38:31.:38:34.

closing stages knowing this is it, medal or not?

:38:35.:38:36.

When we first, like, saw the start list we were in eighth

:38:37.:38:40.

position so we knew that no matter what there was always going to be

:38:41.:38:43.

pressure on us going into that, and we knew that we were going to be

:38:44.:38:47.

Obviously this is my first Olympic Games, I didn't

:38:48.:38:53.

We dived in this pool before at the World Cup and I thought that

:38:54.:39:09.

helped and we kept our nerve and stayed in the moment

:39:10.:39:12.

The last place that you actually want to be in in a start list

:39:13.:39:16.

is number eight of eight following the Chinese.

:39:17.:39:18.

We were dealt a bit of a rough hand but we stepped up to the mark.

:39:19.:39:22.

Like Dan said, we stayed in the moment and focused

:39:23.:39:24.

on what we needed to do exactly in that moment and not

:39:25.:39:27.

Given you've been diving together for such a short time, Dan,

:39:28.:39:31.

what do you put it down to, the success you've managed

:39:32.:39:34.

We both have similar styles of diving.

:39:35.:39:37.

I made sure I came to London for four weeks before

:39:38.:39:40.

the actual Olympics and we've never trained harder.

:39:41.:39:42.

Yeah, just hard work and we kept our nerve

:39:43.:39:44.

Our coaches, Jane Figueiredo and Mark Holdsworth,

:39:45.:39:47.

My coach can't be here today but Mark is probably watching at

:39:48.:39:51.

And Jane for coaching me out here but Mark, thank you so much,

:39:52.:39:56.

he's been coaching me since I was so young, so thank you.

:39:57.:39:58.

Tom, you said after London 2012 you would only do the synchro

:39:59.:40:03.

if you could win a medal - you've done that, what are

:40:04.:40:06.

When we were put together back in October we thought, we'll see

:40:07.:40:12.

if we can qualify a spot for GB, and I didn't know if I would dive

:40:13.:40:16.

We dived the World Cup and came away with a bronze medal and at every

:40:17.:40:21.

And we haven't done a competition since we've been together

:40:22.:40:24.

Going into the last competition of the season it's like, you know,

:40:25.:40:33.

you've won a medal in every single one and you have to win

:40:34.:40:36.

We are over the moon and I pounced on Dan at the end and I didn't

:40:37.:40:42.

realise we were going backwards until we were in the water.

:40:43.:40:50.

I just went with it, I was like, I don't care any more!

:40:51.:40:53.

Joining us now is Marc Holdsworth, Dan Goodfellow's diving coach.

:40:54.:40:57.

Why are you watching at home?! Unfortunately I was one of the

:40:58.:41:03.

coaches that could not be there to support the rest of Team GB out in

:41:04.:41:09.

Rio, so I watched it in front of the television, which was a bit nerve

:41:10.:41:16.

wracking. But the boys did us proud, I'm overwhelmed, emotional, and

:41:17.:41:23.

extremely proud of what they have achieved in such a short space of

:41:24.:41:28.

time. It is really interesting when you hear Dan said, it was down to

:41:29.:41:33.

simple hard work. Adam Peaty yesterday, seven years of hard work.

:41:34.:41:38.

I think sometimes people think, oh, they have a natural talent for this,

:41:39.:41:42.

it is good luck or a special gift, but it is straightforward? If you

:41:43.:41:46.

put your mindset to what you want to do, you can achieve anything. When I

:41:47.:41:51.

saw Daniel for the first time, he took my breath away. His innate

:41:52.:41:57.

ability to jump off the springboard, he looked like rain dancing in the

:41:58.:42:07.

air, it was phenomenal. The fact that he had the ability at the young

:42:08.:42:11.

age, to work with him, developing, let him grow into the athlete he is

:42:12.:42:15.

today, I just can't thank him enough. The work and dedication has

:42:16.:42:24.

paid off. It really has. Do you have to have a particular physique for

:42:25.:42:29.

diving, or not necessarily? Not necessarily. I think it is

:42:30.:42:33.

definitely down to mindset. You put your vision and your direction into

:42:34.:42:40.

what you want to be in life, you can be anything. Dan's vision started

:42:41.:42:45.

off as being a football player. He soon realised it would be very

:42:46.:42:50.

difficult to get into the academies. He was pretty good when he was

:42:51.:42:55.

younger, and when I came along, I said, no more football, you have to

:42:56.:42:59.

concentrate on diving. It is not really down to a certain ability,

:43:00.:43:05.

hard work and dedication are the two most important thing is for success

:43:06.:43:11.

in life. And hours and hours of practice, especially with two of

:43:12.:43:14.

them having to do exactly the same thing at exactly the same moment on

:43:15.:43:18.

a really high diving board in outdoor conditions! Yes, most of the

:43:19.:43:28.

time it is an indoor facility with the crowd cheering, but you saw the

:43:29.:43:34.

clouds coming over, it is quite a scary experience to stand not only

:43:35.:43:41.

at the end of the ten meter and do a dive, multiple somersaults and

:43:42.:43:44.

twists, and then to actually look up and see it is starting to rain,

:43:45.:43:49.

quite a nerve wracking experience! But they both stayed calm and they

:43:50.:43:55.

achieved great things out there, and I couldn't be more proud. Tell me

:43:56.:44:00.

about the working partnership between Dan and Tom Daley. Well, Tom

:44:01.:44:07.

originally was from Plymouth, myself and down, a job opportunity opened

:44:08.:44:15.

up in Plymouth, so I moved down in 2013 and asked down to move with me.

:44:16.:44:20.

They did a couple of training sessions back then, but Dan had to

:44:21.:44:27.

prove himself to be an individual diver first, that was my specific

:44:28.:44:33.

goal for him. Then Tom left to London and he had a number of

:44:34.:44:39.

Synchro partners and achieved great results over the last couple of

:44:40.:44:44.

years, then in October it was down to Dan to step up, so I told him he

:44:45.:44:49.

has got the ability, he had one dive to learn, he learned the dive, and

:44:50.:45:00.

from there it has been a very short space of time, it has been a

:45:01.:45:07.

roller-coaster of the journey. It is dedication, the fact that those two

:45:08.:45:11.

look so similar as well have helped that partnership blossomed to where

:45:12.:45:16.

it is now. Well done, thank you so much for talking to us, we

:45:17.:45:20.

appreciate your time. Mark Holdsworth, Daniel Goodfellow's

:45:21.:45:24.

coach, worth remembering that Tom Daley has done three Olympics now,

:45:25.:45:27.

he has the individual event to come later in the week, he has done three

:45:28.:45:34.

Olympics and is still only 22! Since the 1920s, Team GB has won four

:45:35.:45:37.

Olympic medals in the diving, half of those by Tom Daley, that is some

:45:38.:45:39.

achievement. Today's hopes lie with four

:45:40.:45:41.

time world champion finn class sailor Giles Scott,

:45:42.:45:43.

and women's 63 kilogram Judo Both will be competing

:45:44.:45:46.

this afternoon. Giles hopes to follow

:45:47.:45:52.

in the footsteps of Britain's greatest ever sailor,

:45:53.:45:54.

three time Olympic gold Alice will compete in her third

:45:55.:45:56.

Olympics, but this time as part of Team GB - she was previously

:45:57.:46:02.

in the Israeli team, and qualified for Rio

:46:03.:46:05.

after winning Gold at this Lets speak now to Giles's father

:46:06.:46:07.

John, and Alice's mother Nicola. Good morning. John, you were meant

:46:08.:46:24.

to be out there, what happened? I came off my bike here in Weymouth

:46:25.:46:30.

and I have broken my leg so we were supposed to be flying on Thursday

:46:31.:46:33.

but we will have to watch on the television. That is a real

:46:34.:46:41.

disappointment, I suspect. Where will you be with family and

:46:42.:46:57.

relatives? We will be... Yes... There is a party going on to watch

:46:58.:47:02.

the medal race. I missed most of that, you're lying cut out. It will

:47:03.:47:14.

be the old training club? Yes, the old club. There is a big party. --

:47:15.:47:22.

your line. Nicola, let me ask you about Alice and how she competes for

:47:23.:47:26.

Great Britain. What happened? After the London Olympics she came

:47:27.:47:34.

seventh. The politics here got out of control and told Alice she a

:47:35.:47:41.

failure and she wanted to carry on, she would have to go up to 70 kilos

:47:42.:47:46.

to make way for another player and she refused so in the end it just

:47:47.:47:53.

came that they would not centre to any competition because she would

:47:54.:47:56.

not change weights and they wanted her to train with rivals, her

:47:57.:48:03.

trainer, and she thought that wasn't possible. In the end, she was out of

:48:04.:48:13.

judo for two years and they would not release, the Israeli team, they

:48:14.:48:17.

didn't want to compete but they did not want to carry on and after she

:48:18.:48:23.

won a court case, because she is British, I am British and your

:48:24.:48:30.

breath certificate is from here, she applied and luckily Great Britain

:48:31.:48:34.

accepted her. That is a battle, to get to the point where she is. What

:48:35.:48:39.

are your expectations for her in this division? Alice on a good day

:48:40.:48:46.

can beat anyone, in her house, she has beaten everybody and lost to

:48:47.:48:51.

everyone so it is just a question of how good you are on the day. It is a

:48:52.:48:59.

very difficult weight category, everybody there in that category has

:49:00.:49:04.

a chance. On their day, anybody can get it. We just hope Alice has a

:49:05.:49:11.

day, a good day, like in Baku. John, I suspect people get bored asking

:49:12.:49:16.

you about Giles and Ben Ainslie and that rivalry and also friendship?

:49:17.:49:21.

They train together, they trained before Beijing, and Giles is part of

:49:22.:49:25.

the current line-up for the America's Cup. Tell us about that

:49:26.:49:34.

friendship. It goes back a long way. INAUDIBLE. That is so annoying, we

:49:35.:49:41.

really want to hear what you are saying about your son and Ben

:49:42.:49:49.

Ainslie. We hope to establish a much better line. I will come back to

:49:50.:49:56.

Nicola. We talked about gold in Baku, leading to her being able to

:49:57.:50:01.

qualify. That is a perfect preparation for the Olympics, isn't

:50:02.:50:07.

it? It is. We will amazed that being out of judo for two years, when she

:50:08.:50:13.

came back to represent Britain, she managed to qualify. Whatever happens

:50:14.:50:23.

today, she has done us proud. Do you get very nervous before her events?

:50:24.:50:29.

Yes. And during. I can physically be sick sometimes. Are you emotional?

:50:30.:50:43.

Quite, yes. Not? I think it is just the build-up. -- now? All of the

:50:44.:50:51.

Sportsman work so hard, especially in judo, you make one mistake and in

:50:52.:50:58.

ten seconds it is over. It can be like that. In tennis you have sets,

:50:59.:51:04.

in swimming you can have a bad start and get to the semifinal but in judo

:51:05.:51:08.

you make one mistake and you are out. It is a very... Difficult

:51:09.:51:15.

sport, mentally, from that point of view. But hopefully she will be

:51:16.:51:26.

concentrating well today. John, are some -- similarities, as a parent,

:51:27.:51:31.

you think, I wish that could be me and not my child? The difference is

:51:32.:51:39.

selling is a marathon sport, it is played out over five days and then

:51:40.:51:42.

you have the medal race with double points. Every day... Things can

:51:43.:51:51.

change with the shift of the wind. INAUDIBLE.

:51:52.:52:05.

To just keep focused on the end goal... Over five or six days, that

:52:06.:52:13.

is very demanding. To be able to maintain concentration and I think

:52:14.:52:18.

that is the greatest thing that top athletes have. That mental strength.

:52:19.:52:24.

John, thank you very much. Father of Giles. And Nicola, thank you very

:52:25.:52:30.

much as well, Nicola Schlesinger. The mother of Alice. Apologies for

:52:31.:52:34.

the technical issues but we wanted to persist.

:52:35.:52:36.

So for all the other events you should be watching today -

:52:37.:52:38.

Team GB's eventing star William Fox-Pitt suffered

:52:39.:52:45.

a disappointing setback in his bid for Olympic glory,

:52:46.:52:47.

after incurring time penalties in the cross-country.

:52:48.:52:51.

However, Britain are still in with a medal hope

:52:52.:52:53.

in the team competition, ahead of today's show jumping final.

:52:54.:52:58.

In the Whitewater stadium, David Florence will go for gold

:52:59.:53:00.

Wind delayed the heats of the competition, but David

:53:01.:53:05.

clocked the best time in the first round, so hopes will be high ahead

:53:06.:53:08.

After the men's disappointment in the team gymnastics last night,

:53:09.:53:14.

Claudia Fragapane and Ellie Downing are both ones to watch on the floor,

:53:15.:53:20.

after leading the team to bronze in the World Championships last year.

:53:21.:53:24.

Britain's 4x200m freestyle relay team caused an upset in 2015,

:53:25.:53:31.

So stay up late to see if Team GB can carry on their good streak

:53:32.:53:37.

OK... Jools Oliver a large her elder daughter is to be there as she gave

:53:38.:53:56.

birth to their fifth child. -- a large her elder daughters. --

:53:57.:53:59.

allowed. Jools posted on social media how

:54:00.:54:02.

happy she was that she could involve her two eldest daughters -

:54:03.:54:05.

aged 13 and 14 - in the birth. I am surprised by the number of you

:54:06.:54:08.

who did the same thing. Let's speak now to Vivien Pettitt,

:54:09.:54:13.

whose daughter Jessica Hello, how are you? Good morning.

:54:14.:54:31.

That is look? Good morning! Fellow! I am taken aback by the number of

:54:32.:54:34.

mothers who have allowed this to happen. It is an amazing experience.

:54:35.:54:41.

Luke was born when we're sitting at home. And Jessica watched the

:54:42.:54:46.

process, she was brilliant and can tell a story today. It is amazing.

:54:47.:54:53.

How old was Jessica? She was just four. You are kidding me! She was

:54:54.:55:01.

amazing, she had her dummy and her blanket, she gave that to help with

:55:02.:55:08.

some birth stuff and she never looked back, she gave that up, she

:55:09.:55:13.

loved it, she was the first to hold Luke. Brilliant. How did you prepare

:55:14.:55:24.

her for that? She did watched some videos of births, she wanted to

:55:25.:55:27.

watch a baby being born so we thought we should prepare her, show

:55:28.:55:33.

her something that is going on. She was well happy, she loves babies.

:55:34.:55:41.

She loves them live. She is -- if she is not a midwife, I would be

:55:42.:55:46.

surprised! Don't feel you have to answer these personal questions...

:55:47.:55:50.

Where you on your hands and knees or on your back? I was on my knees. My

:55:51.:56:00.

knees on the floor. Exactly here. Luke, can you hear me? Yes. What do

:56:01.:56:08.

you think about the fact that your little sister, your older sister,

:56:09.:56:12.

was able to watch you actually being born? Yes, it is good. What do

:56:13.:56:21.

Jessica tell you about that? -- what did. She was first to hold me. That

:56:22.:56:32.

is really special, isn't it? You hear these horror stories, Luke was

:56:33.:56:41.

also very big, he was 11 llbs. You must have been an agony! You must

:56:42.:56:48.

have been in agony. You have agreed to talk to us. So, living on the

:56:49.:56:56.

sofa, your knees on the floor, Luke is a whopper, let us be honest, your

:56:57.:57:01.

four-year-old is there, you must have been crying out in pain? I was

:57:02.:57:06.

and paramedics were here because the midwives could not get here and his

:57:07.:57:11.

head was coming out. He was born in 50 minutes. Jessica is not a little

:57:12.:57:18.

bit traumatised by hearing her mother and screaming in pain? If she

:57:19.:57:22.

was here she would tell you the whole story. Where is she? She is

:57:23.:57:28.

with nanny and grandad in Great Yarmouth! Gary Duff! He said he

:57:29.:57:34.

would be surprised if she does not end up being a midwife. It is quite

:57:35.:57:42.

unusual, what do you think about Jools Oliver doing this with her

:57:43.:57:50.

13-year-old? Brilliant. Jessica was four, if she was two I would have

:57:51.:57:56.

done the same. I think it is great. It is life, natural life. It is how

:57:57.:58:03.

we all got here. I think it is a good thing to see. Well but are

:58:04.:58:08.

plenty of viewers who agree. We really appreciate talking to you.

:58:09.:58:11.

Bye-bye, Luke! Have a nice day! Keep your stories coming in. If you

:58:12.:58:23.

are larger older children, not that old, Jessica was only four, to be at

:58:24.:58:28.

the birth of your child. What effect has it had on them?

:58:29.:58:31.

Coming up - what are the strange red marks on swimmer Michael Phelps

:58:32.:58:34.

It's called cupping, and we'll be finding out

:58:35.:58:37.

And is any scientific evidence to back up the fact that others and

:58:38.:58:48.

Michael Phelps say it can take some of the pain away from training. We

:58:49.:58:51.

are talking about that later. Let's get the latest weather update

:58:52.:58:53.

with Tomasz Schafernaker. Good morning. Today, the weather is

:58:54.:59:06.

not bad. Some sunshine and a few showers across northern areas but on

:59:07.:59:10.

the whole it is a dry day. High pressure driving the weather for

:59:11.:59:13.

most of us today, there is a weak weather front introducing some cloud

:59:14.:59:19.

and a few spots of rain but it does look like things will stay dry in

:59:20.:59:24.

the south. Across Scotland, from the West through the low lands into the

:59:25.:59:29.

Borders, a few showers, some of them just about sneaking into parts of

:59:30.:59:33.

Yorkshire and maybe running into northern parts of the Midlands.

:59:34.:59:38.

Other than that, it is a cracking afternoon. Temperatures getting up

:59:39.:59:45.

to the fresh South, 15 or 17 around the coast, about 20 in London. The

:59:46.:59:51.

north-westerly wind has been with us for some time, hence the area is

:59:52.:59:54.

pretty cool. There is a change for next week. 12 degrees across

:59:55.:00:00.

northern parts of England tonight, 13 in the south, rural spots will be

:00:01.:00:04.

colder. High-pressure still very close but we have this weather front

:00:05.:00:09.

moving across the UK, through the course of Wednesday, so thicker

:00:10.:00:13.

cloud and some rain getting to Belfast and western parts of Wales,

:00:14.:00:17.

into the South West as well so a split tomorrow. Western areas,

:00:18.:00:23.

cloudy with rain, eastern egg areas will get sunshine. Thursday, slight

:00:24.:00:28.

change in the wind direction, more of a West to south-westerly just

:00:29.:00:31.

about across southern areas are warming up your butt in the north we

:00:32.:00:36.

have weather fronts bringing some outbreaks of rain. That is

:00:37.:00:39.

summarised the rest of the week. Cloud and rain across northern and

:00:40.:00:44.

western areas but the South is starting to warm up and it does look

:00:45.:00:49.

like next week could see a spell of hot weather coming our way.

:00:50.:00:59.

Hello, it's Tuesday, it's 10am, I'm Victoria Derbyshire

:01:00.:01:01.

More apps and more switching - high street banks are told they MUST

:01:02.:01:05.

revolutionise their technology to give their customers a better,

:01:06.:01:07.

John Walker has been with his partner for 23 years,

:01:08.:01:13.

but if he died, his husband would only get ?500 a year.

:01:14.:01:17.

But if John had married a WOMAN, that would rise to ?50,000 a year.

:01:18.:01:21.

He's fighting in the courts to change that - we'll

:01:22.:01:24.

And why is the most decorated Olympian of all, Michael Phelps,

:01:25.:01:30.

We'll show you what cupping is and talk

:01:31.:01:34.

about the fact that there is very little hard evidence to show it

:01:35.:01:37.

Time for the day's news so far, here's Annita in the BBC Newsroom.

:01:38.:01:52.

High street banks have been ordered to revolutionise their technology

:01:53.:01:54.

The Competition and Markets Authority wants people to be able

:01:55.:02:01.

to manage accounts held with different providers

:02:02.:02:02.

Banks will also have to cap their monthly charges

:02:03.:02:07.

The independent banking expert Frances Coppola told Victoria

:02:08.:02:13.

that the efforts to promote better competition may not necessarily lead

:02:14.:02:15.

The elephant in the room in this report is the assumption that

:02:16.:02:25.

increasing competition will mean that there is more price

:02:26.:02:30.

differential. We know from other markets, energy for example, that

:02:31.:02:34.

when you open up competition and encourage price comparison website

:02:35.:02:37.

and things like that, and transparency and disclosure of

:02:38.:02:41.

prices, what happens is that the prices converge and everybody starts

:02:42.:02:46.

charging pretty much the same and then compete on intangibles that

:02:47.:02:50.

they don't have to compare, like service levels, additional features,

:02:51.:02:53.

and, in the bank 's' cases, hidden charges.

:02:54.:02:56.

China's ambassador to the UK has warned that Britain's relationship

:02:57.:02:58.

with China could be at risk if the Hinkley Point nuclear

:02:59.:03:01.

Our China editor explained the significance of the warning.

:03:02.:03:10.

This warning from the Chinese ambassador is the sternest from the

:03:11.:03:14.

Chinese Government yet, but by the standards of Chinese pronouncements

:03:15.:03:17.

of displeasure it is actually quite mild. They have got a difficult

:03:18.:03:21.

problem because they want to influence the argument in London,

:03:22.:03:24.

they want to get the jungle drums coming from the business elite in

:03:25.:03:30.

the City of London to get their message to Downing Street that there

:03:31.:03:33.

are deals that will fall if the Hinckley deal is cancelled, but they

:03:34.:03:37.

don't want to make the argument for those in the UK political

:03:38.:03:40.

establishment who are concerned about Chinese threats and the

:03:41.:03:45.

possibility of security implications of Chinese involvement in a big

:03:46.:03:49.

critical infrastructure projects like Hinkley Point. Carefully trying

:03:50.:03:54.

to calibrate the language of that piece about cherishing mutual trust,

:03:55.:04:00.

keeping the door open in the UK, not damaging the relationship, but not a

:04:01.:04:04.

force ten Bureij from the Chinese Government might grate. That we

:04:05.:04:08.

would expect to see if the project is cancelled. China would be very

:04:09.:04:11.

angry if that does take place because they have invested a lot in

:04:12.:04:15.

this, they put a lot of political capital behind it, the Chinese

:04:16.:04:19.

president obviously went to London, signed the deal, unveiled with much

:04:20.:04:23.

red carpet, bold carriages on the Mall, all the rest of it. Given

:04:24.:04:29.

that, given how important the UK is to them as a showcase for nuclear

:04:30.:04:35.

technology and nuclear Corporation, a big advanced country with a strict

:04:36.:04:40.

safety regime, that would enable them to promote their nuclear

:04:41.:04:43.

technology export around the world if the UK did come on board. So the

:04:44.:04:47.

deal matters to them and it is humiliating if it were to be

:04:48.:04:51.

cancelled, so I think this warning is being fed into the

:04:52.:04:54.

decision-making at this point to ensure that, from China's point, the

:04:55.:04:59.

decision goes in the right way and that that golden age language can

:05:00.:05:03.

continue rather than starting on any language about the dark age.

:05:04.:05:07.

At least six people have been injured, one of them seriously,

:05:08.:05:10.

in an explosion at a house in Greater Manchester.

:05:11.:05:12.

Firefighters were called to the terraced property

:05:13.:05:14.

in Ashton-under-Lyne just after 5 o'clock this morning.

:05:15.:05:16.

The cause of the explosion is not yet known.

:05:17.:05:21.

More pupils from Scotland have got a university place on exams results

:05:22.:05:24.

Ucas told the BBC that more than 28,000 Scottish

:05:25.:05:34.

students had successfully secured their courses.

:05:35.:05:35.

Over 140,000 students in Scotland are receiving

:05:36.:05:37.

50 security experts in the United States have

:05:38.:05:40.

warned that, if elected, Donald Trump would be

:05:41.:05:42.

the most reckless President in American history.

:05:43.:05:45.

The group, many of whom served in the last Republican

:05:46.:05:49.

administration under George W Bush, says Mr Trump "lacks

:05:50.:05:52.

the character, values and experience" to be president.

:05:53.:05:54.

He's accused them of being part of a "failed Washington elite".

:05:55.:05:59.

One of India's best-known political activists is ending

:06:00.:06:03.

Irom Sharmila has been force-fed through a tube

:06:04.:06:09.

She was protesting against a law that gives the Indian army sweeping

:06:10.:06:13.

powers to tackle an insurgency in her home region, Manipur.

:06:14.:06:17.

She says she's decided to stand in local elections as an independent

:06:18.:06:20.

Millions of families are just one pay cheque away

:06:21.:06:24.

from losing their home, according to the housing

:06:25.:06:26.

It blames high housing costs for leaving so many people

:06:27.:06:31.

The cost of housing takes a big chunk out of many people's budgets.

:06:32.:06:36.

For some, costs are so high and their savings so small

:06:37.:06:38.

that they are only one pay cheque away from homelessness.

:06:39.:06:43.

In a joint survey with YouGov, the housing charity Shelter found

:06:44.:06:47.

that many families were living on the brink.

:06:48.:06:51.

We already know that there are more than 16 million working adults

:06:52.:06:54.

It means that many parents fear their children will be left

:06:55.:07:02.

without a roof over their heads if they lose their job

:07:03.:07:06.

Shelter is calling on the Government to improve the welfare safety net

:07:07.:07:11.

so that families don't lose their homes.

:07:12.:07:13.

The support that's available for working people when they fall

:07:14.:07:15.

behind with their rent is not necessarily keeping pace

:07:16.:07:17.

So people can get some help but it's not enough help, and we want to make

:07:18.:07:23.

sure that there is enough help there that people,

:07:24.:07:26.

if they lose their job, they can keep on paying their rents

:07:27.:07:29.

The survey found that, if they have lost their job,

:07:30.:07:37.

23% of families said they would immediately be unable

:07:38.:07:41.

37% would be unable to last more than a month.

:07:42.:07:45.

And 48% of families said that housing was their single biggest

:07:46.:07:48.

Shelter says it is talking to parents every day

:07:49.:07:54.

who face homelessness just because their income has taken

:07:55.:07:56.

Hundreds of thousands of travellers using Southern Rail train services

:07:57.:08:04.

The RMT union is staging a five-day strike over plans to make drivers,

:08:05.:08:13.

rather than conductors, operate train doors.

:08:14.:08:17.

Around four in ten shops in England are breaking the law by selling

:08:18.:08:20.

e-cigarettes and vaping liquids to children.

:08:21.:08:22.

Trading Standards officers carried out test purchases

:08:23.:08:24.

at more than 630 retailers, including independent pharmacies,

:08:25.:08:27.

and found 40% were prepared to sell the products to under-18s,

:08:28.:08:31.

even though this became illegal last year.

:08:32.:08:40.

Team GB is currently tenth in the Rio Olympics medal table,

:08:41.:08:43.

with two more bronze medals won overnight.

:08:44.:08:46.

The divers Tom Daley and Dan Goodfellow came third

:08:47.:08:48.

Dan Goodfellow's coach, Marc Holdsworth, says

:08:49.:08:51.

I'm overwhelmed, emotional, and extremely proud of what they've

:08:52.:09:05.

achieved in such a short space of time.

:09:06.:09:09.

That is a summary of the latest, Moore at 10:30am.

:09:10.:09:15.

So what are the red marks on some of the Olympic atheletes that have

:09:16.:09:18.

The greatest Olympian of all time, swimmer Michael Phelps,

:09:19.:09:22.

has been seen covered in red circles.

:09:23.:09:26.

It's called cupping, and we are going to show

:09:27.:09:28.

you what it is and find out if there is any truth in the claims

:09:29.:09:32.

that the ancient therapy can ease aches and pains.

:09:33.:09:36.

Lots of you talking about the news today that your banks are going to

:09:37.:09:41.

have to change the way they operate in order to make sure they are more

:09:42.:09:48.

value for money, effectively. Let me find... Here we go, tweet from

:09:49.:09:53.

marketing. If you take money without permission, how can you complain

:09:54.:09:56.

when you get charged for doing it? That is a the fees that banks at the

:09:57.:10:02.

moment are able to charge for unauthorised overdrafts. A tweet

:10:03.:10:06.

from SteveBanks are in business to make money, customers should be

:10:07.:10:13.

managing their money, not bleating about charges.

:10:14.:10:16.

Another says, banks should be broken up. And then he says, I would love

:10:17.:10:20.

it if banks provided invoicing facilities like this -- for the

:10:21.:10:25.

self-employed, like PayPal. Melissa says, I have been put into a plan

:10:26.:10:33.

for unauthorised overdraft charges after being overdrawn by 50p, the

:10:34.:10:35.

charge was ?75. Do get in touch with us

:10:36.:10:37.

throughout the morning - If you text, you will be charged

:10:38.:10:40.

at the standard network rate. Let's start with the GB

:10:41.:10:44.

success on day three. Tom Daly and dive partner

:10:45.:10:47.

Dan Goodfellow winning bronze Daly added to the bronze he won

:10:48.:10:50.

in the individual event Joining us this morning is Frankie

:10:51.:10:54.

del Celo, former Team GB diver He will be pleased with that? He

:10:55.:11:06.

will be ecstatic, if I am this happy I cannot imagine what he will be

:11:07.:11:10.

like! What people tend to forget is that we are fortunate to be funded

:11:11.:11:14.

by UK Sport but we have got to meet targets as well and this medal has

:11:15.:11:18.

helped that. The pressure is off again for his final event, Dan on

:11:19.:11:23.

the other hand, first Olympics, it should think in about now that he is

:11:24.:11:28.

an Olympic medallist. Let's remind ourselves how they did it, you

:11:29.:11:41.

talked about the pressure, there was a lot of pressure on them because

:11:42.:11:44.

they did it with the last dive. How hard would it have been knowing the

:11:45.:11:47.

medal was at stake in the final dive? It is very pressurised but you

:11:48.:11:49.

have to think, it is never over until it is over. They are still in

:11:50.:11:52.

competition... How difficult is it to stay in position? How hard is it

:11:53.:11:57.

to execute that perfectly? By now it should be easy with all the hard

:11:58.:12:01.

work and dedication up until now, it is paying off. It should be

:12:02.:12:06.

relatively easy to stay synchronised but with all the hard work they have

:12:07.:12:10.

had to really get to know each other and they have only been together

:12:11.:12:14.

since last October, they have done is very, very good job here. With

:12:15.:12:19.

that in mind, the fact that they only started diving together last

:12:20.:12:23.

October, Dan has been staying with Tom in London in the build-up to try

:12:24.:12:26.

to improve and help their preparation. Sum up this achievement

:12:27.:12:32.

in light of that, the fact they have not been diving together for that

:12:33.:12:36.

long? It is a massive achievement. The whole field out there, they have

:12:37.:12:42.

all been diving far, far longer than Tom and Dan, and Tom, a couple of

:12:43.:12:47.

years back, saw Synchro is a bit of, yes, I will do it, but it won't be

:12:48.:12:52.

important, but now he has come out with an medal so it is a great

:12:53.:12:56.

achievement for them both, the Team GB, and for British diving as a

:12:57.:13:02.

whole. We know that Tom will go again in the ten metre individual

:13:03.:13:05.

platform event, he won the bronze four years ago in London. With the

:13:06.:13:09.

medal under his belt, will that help him going into that event? He should

:13:10.:13:16.

feel a little bit more confident going into that event, he has

:13:17.:13:22.

already done four of his dives so because he has practised in the

:13:23.:13:26.

competition all he has to do is do them again. He was very cool out

:13:27.:13:30.

there, I see him train all the time and in competition he looked so

:13:31.:13:34.

comfortable. It is good to watch as a viewer and as a friend Wehrlein

:13:35.:13:39.

nervous for them both, but I felt like, he has got it under his belt.

:13:40.:13:44.

Going into that last event, hopefully he will feel happy with

:13:45.:13:48.

what he has done so far and put it all together, and he has got a

:13:49.:13:52.

brilliant shot at getting another medal, so all the best to him.

:13:53.:13:55.

Frankly, many thanks indeed for that.

:13:56.:13:57.

Team GB's second medal of the day came courtesy of a 33-year-old

:13:58.:14:00.

Ed Ling won a shoot-off to get into the bronze medal match

:14:01.:14:05.

and then beat David Kostelecky of the Czech Republic to take it.

:14:06.:14:10.

He'll be returning to Somerset this week to bring in the harvest.

:14:11.:14:17.

Great Britain's men just missed out on a gymnastics medal,

:14:18.:14:19.

Louis Smith's fall on the pommel horse ended British hopes

:14:20.:14:27.

of repeating their bronze from London 2012.

:14:28.:14:28.

Japan took gold ahead of Russia and China.

:14:29.:14:36.

And there was a fourth-placed finish for James Guy in the 200m

:14:37.:14:39.

freestyle - he'd also been considered a good medal prospect.

:14:40.:14:45.

Gold went to China's Sun Yang, with 2012 winner Chad

:14:46.:14:47.

Russian swimmer Yulia Efimova was only cleared to compete

:14:48.:14:53.

at the Games on Saturday after serving a doping ban -

:14:54.:14:56.

but she must have been taken aback by the reception she received before

:14:57.:15:00.

Efimonva was beaten into silver by the American teenager Lilly King,

:15:01.:15:18.

who'd been quite vocal in her feelings about the Russian.

:15:19.:15:21.

She broke the Olympic record to win.

:15:22.:15:29.

It's rumbled on all summer, but finally,

:15:30.:15:31.

Manchester United have spent a world record ?89 million to bring

:15:32.:15:36.

Paul Pogba back to Old Trafford from Italian Champions Juventus.

:15:37.:15:40.

The club confirmed the signing of the 23-year-old France midfielder

:15:41.:15:43.

Pogba has signed a five year deal, saying he was delighted to rejoin

:15:44.:15:50.

the club which has always had a special place in his heart.

:15:51.:15:56.

He was at left back in 2012 for just ?1.5 million. -- he left back in.

:15:57.:16:09.

John Stones has been mandatory -- mentioned in the Champions League

:16:10.:16:14.

squad for Man City, published on the Uefa website. He has not signed for

:16:15.:16:18.

them yet. Whether or not this means he has, we do not know at this

:16:19.:16:22.

stage. We will have more on that as we get it.

:16:23.:16:25.

We will talk about the fact that more than 140,000 Scottish pupils

:16:26.:16:31.

will get their exam results today. Also, this story...

:16:32.:16:34.

A gay pensioner is fighting to win his husband the same pension

:16:35.:16:36.

rights a wife would enjoy if he was in a heterosexual

:16:37.:16:39.

For 23 years, John Walker has been in a same-sex relationship

:16:40.:16:43.

with his partner and he wants to ensure that, should he die first,

:16:44.:16:46.

his husband will be adequately provided for.

:16:47.:16:49.

After Mr Walker retired, he checked with his employer

:16:50.:16:51.

about the "survivor benefits" from his final salary pension.

:16:52.:16:54.

He was told that if he died, his partner would only get

:16:55.:16:57.

Yet if John had married a woman and were to die tomorrow,

:16:58.:17:04.

she would be get around ?50,000 a year.

:17:05.:17:05.

Yet the company were not breaking any laws.

:17:06.:17:08.

John Walker is here now in his first TV interview

:17:09.:17:10.

along with his solicitor, James Welch.

:17:11.:17:13.

Good morning. This is discrimination, pure and simple?

:17:14.:17:23.

Why? I worked with this company for 23 years and it did not matter if I

:17:24.:17:28.

was a man or a woman, gay or straight, at the end of it, part of

:17:29.:17:33.

the benefits of working for the company was a final salary pension

:17:34.:17:37.

scheme, part of that are spousal rights which allows your spice, if

:17:38.:17:44.

you predeceased him or her, in this case, a woman, it was before the

:17:45.:17:48.

Civil Partnership Act, they would get up to two thirds of your pension

:17:49.:17:53.

for the rest of their lives. But because my partner, now my husband,

:17:54.:18:03.

is not a female, he will get Amir ?500 or ?600, whereas if I was to

:18:04.:18:07.

divorce my husband as married first woman that would have me, she would

:18:08.:18:14.

get ?50,000 a year, it seems unfair and absurd. James, what is the law

:18:15.:18:19.

here? The reason they do this is because there is an exemption in the

:18:20.:18:22.

Equality Act which allows companies with the pension scheme to restrict

:18:23.:18:29.

pensions paid to surviving spouses, to benefits accrued on a basis of

:18:30.:18:36.

contributions paid since 2005. Which is when the Civil Partnership Act

:18:37.:18:40.

Cayman? Report the government did a couple of years ago suggests about

:18:41.:18:46.

27% of employees are still doing this -- employers. There is a

:18:47.:18:50.

statutory basis on which they can do this and it is an inequality that

:18:51.:18:55.

remains in the log and we feel it is important to challenge it. Plenty of

:18:56.:19:00.

big companies do provide the pension rights you are fighting for, BT,

:19:01.:19:05.

Royal Mail, BP, it can be done? It is simply choice? Over Edinburgh

:19:06.:19:11.

centre companies have said they will simply equalise, exactly the same,

:19:12.:19:15.

whether you are heterosexual or homosexual. You have been trying to

:19:16.:19:22.

achieve this for nearly ten years? What kind of impact hasn't had on

:19:23.:19:27.

you and your husband? Inevitably it is quite stressful, the real problem

:19:28.:19:34.

is does not allow to maximise, I am live a pensioner, to maximise our

:19:35.:19:39.

enjoyment in life because it is uncertain as to whether he will have

:19:40.:19:43.

any significant income from my pension scheme if I predeceased him.

:19:44.:19:51.

And you are a bit older? 30 years older. Statistically, I will. And

:19:52.:19:59.

that concerns me because it could be quite considerably before his life

:20:00.:20:06.

expectancy and he is left with no income whatsoever. Whereas, if I

:20:07.:20:10.

knew he would get exactly the same income as he would if he was a

:20:11.:20:14.

woman, we would not have to worry about making alternative

:20:15.:20:19.

arrangements. John has had some knock backs. Where are you up to in

:20:20.:20:23.

terms of the legal case? We know that in the Supreme Court there will

:20:24.:20:29.

probably be in November, when it... You have just been given permission

:20:30.:20:33.

to appeal in the Supreme Court? We heard that a couple of weeks ago.

:20:34.:20:38.

The court is planning to hold a hearing in November, it might get

:20:39.:20:42.

delayed but we hopefully will have a decision early next. Why do you

:20:43.:20:46.

think the Department of Work and Pensions have come in on this case

:20:47.:20:50.

to fight watch John is trying to achieve? The government protecting

:20:51.:20:55.

legislation. It is unfair that we have brought proceedings against the

:20:56.:20:58.

employer of John because they are doing what the law allows them so

:20:59.:21:01.

the government is arguing to protect its own legislation, this government

:21:02.:21:06.

or the previous government, that sponsored the Equality Act which has

:21:07.:21:12.

this exemption. Presumably, also because, if the exemption is

:21:13.:21:16.

quashed, which is what you want, equalisation would be going on, not

:21:17.:21:21.

just in private sector but public sector pensions, which could cost

:21:22.:21:27.

billions? Not billions, we did report and try to calculate the

:21:28.:21:31.

costs of this and reckoned that equalising the position in relation

:21:32.:21:35.

to private employers and equalising gay and lesbian couples with other

:21:36.:21:44.

couples would cost ?1.1 billion. Given the amount of pension

:21:45.:21:47.

liabilities, that is not a great deal. Is this a test case? If John

:21:48.:21:54.

Baines this, or losers, it affects other couples? People have been in

:21:55.:22:00.

touch with John, and ourselves, there are lots of other couples that

:22:01.:22:04.

this affects and we have taken this case on and hope to establish a

:22:05.:22:08.

precedent that others can rely on. Sam says, we live in 2016 and still

:22:09.:22:12.

the matter of gay rights is never far away. Doesn't seem astonishing

:22:13.:22:19.

to you that in Britain in 2016 you have to fight this battle at all? It

:22:20.:22:27.

is amazing. The most recent Prime Minister, David Cameron, talked

:22:28.:22:33.

about relationships, commitments, and making commitments to your loved

:22:34.:22:38.

ones. And yet, he is not prepared to back that up by supporting, having

:22:39.:22:43.

done that in the case of the pension, but if I married the first

:22:44.:22:47.

Lady that will have they, she will get a full pension. It seems absurd

:22:48.:22:52.

and what is ridiculous, bearing in mind that my pension scheme is

:22:53.:22:56.

contributory, I have contributed exactly the same as the chap next

:22:57.:23:02.

door and in the office next door. We have contributed the same and the

:23:03.:23:05.

fact that he marries a woman and I marry a man, he gets full rights and

:23:06.:23:10.

I do not, that seems completely absurd. Well, you retired in two

:23:11.:23:15.

years before the Civil Partnership Act Cayman, 2005, as we have said,

:23:16.:23:22.

and that act only requires firms to provide the same benefit to civil

:23:23.:23:28.

partners made from 2005 onwards. By which time I was drawing my pension

:23:29.:23:32.

and not contributing. But I have contributed exactly the same as

:23:33.:23:36.

other people. He talked about other people who have got in touch with

:23:37.:23:40.

you. Since taking on this fight, what has the response been from

:23:41.:23:45.

others? Hugely supportive. Quite recently there was a major newspaper

:23:46.:23:50.

article highlighting the problem I have, which laid out very clearly,

:23:51.:23:53.

and a number of people have contacted me supporting what we are

:23:54.:23:58.

doing. The sad thing is, it is not only me, I'm still relatively young,

:23:59.:24:05.

others are much older and there are dying every week you are in similar

:24:06.:24:08.

situations to me, they have been with their partners and made

:24:09.:24:11.

commitments for many years and they are dying and their partners are

:24:12.:24:14.

getting next to nothing or nothing at all. If they had been married to

:24:15.:24:18.

a woman, they would get full rights. It is just absurd. We will follow

:24:19.:24:24.

what happens in the Supreme Court in November. Early November. Thank you

:24:25.:24:35.

both for coming on the programme. Around 140,000 Scottish pupils are

:24:36.:24:38.

getting exam results this morning. We can speak to Jamie McIvor in

:24:39.:24:43.

Glasgow. What can you tell us? This is a big day of the year for schools

:24:44.:24:50.

in Scotland, an interesting situation, with the exams because

:24:51.:24:53.

over the past three years the qualification system here has been

:24:54.:24:57.

through a massive shake-up. This is the year when it starts to settle

:24:58.:25:02.

down. Only the new qualifications are on offer so what are the

:25:03.:25:07.

results? They have been published within the past hour, candidates

:25:08.:25:10.

have been getting them by text or e-mail since eight o'clock this

:25:11.:25:15.

morning. Even though some are waiting by post. We looked at the

:25:16.:25:25.

Highers, the gold standard. 197th thousand entries this year, 77.2%

:25:26.:25:33.

were successful. Broadly in line with previous years. Having said

:25:34.:25:36.

that, there were some issues with identifying. Problems which could

:25:37.:25:40.

have happened this year which do not seem to have happened. One concerns

:25:41.:25:47.

the mathematics, there was a big problem with the Higher mathematics,

:25:48.:25:51.

it was so hard the past mark had to come down from the usual 50% to just

:25:52.:25:57.

34%. They have been looking very closely at what went wrong with the

:25:58.:26:01.

exam and this year the pass mark is back up to around about 50%. There

:26:02.:26:11.

was also a potential issue with the Higher English, one paper had to be

:26:12.:26:15.

replaced against a tight deadline because there were concerns the exam

:26:16.:26:19.

could have leaked. That did not seem to lead to any concerns for

:26:20.:26:23.

candidates, the pass mark was again 50%. These big issues seem to have

:26:24.:26:30.

been averted. Thank you. Our Education Correspondent.

:26:31.:26:32.

Labour Party officials are planning to challenge a High Court ruling

:26:33.:26:35.

which says that members who have recently joined can vote

:26:36.:26:38.

Two members who paid the extra ?25 want their money back?

:26:39.:26:51.

And why is the most decorated Olympian of all, Michael Phelps,

:26:52.:26:54.

We'll show you what cupping is, and discuss the fact that there's

:26:55.:26:58.

little hard evidence to show that it takes away your aches and pains.

:26:59.:27:10.

We will also talk to a midwife about the fact that Jools Oliver a lighter

:27:11.:27:16.

older girls to witness the birth of their little baby brother.

:27:17.:27:22.

Congratulations to the family. So many of you did the same thing.

:27:23.:27:26.

Andrew, my seven-year-old stepdaughter watched my daughter

:27:27.:27:29.

being born, it was a fantastic experience. Community midwives

:27:30.:27:34.

involved and explained what was happening. A student midwife also

:27:35.:27:38.

present explained all the parts of the afterbirth to her. It was a good

:27:39.:27:42.

test for the student expending how it works too fascinated

:27:43.:27:47.

seven-year-old. It was wonderful. This from Jan, people who do not see

:27:48.:27:50.

the beauty in having a daughter with you at the birth should remember

:27:51.:27:54.

that in the dark ages and before, it fell to your daughter and family

:27:55.:27:56.

females to assist the birth. With the news, here's Annita

:27:57.:27:58.

in the BBC Newsroom. High street banks have been ordered

:27:59.:28:03.

to revolutionise their technology The Competition and Markets

:28:04.:28:07.

Authority wants people to be able to manage accounts held

:28:08.:28:11.

with different providers Banks will also have

:28:12.:28:13.

to cap their monthly charges China's ambassador to the UK has

:28:14.:28:18.

warned that Britain's relationship with China could be at risk

:28:19.:28:25.

if the Hinkley Point nuclear Writing in the Financial Times,

:28:26.:28:27.

he said the two countries were at a "crucial

:28:28.:28:32.

historical juncture". Last month, the Government announced

:28:33.:28:34.

that it will delay making a decision At least six people have been

:28:35.:28:37.

injured, one of them seriously, in an explosion at a house

:28:38.:28:42.

in Greater Manchester. Firefighters were called

:28:43.:28:45.

to the terraced property in Ashton-under-Lyne just after 5

:28:46.:28:48.

o'clock this morning. The cause of the explosion

:28:49.:28:50.

is not yet known. 50 security experts

:28:51.:28:54.

in the United States have warned that, if elected,

:28:55.:28:57.

Donald Trump would be the most reckless President

:28:58.:28:59.

in American history. The group, many of whom served

:29:00.:29:02.

in the last Republican administration under George W Bush,

:29:03.:29:05.

says Mr Trump "lacks the character, values

:29:06.:29:07.

and experience" to be president. He's accused them of being part

:29:08.:29:09.

of a "failed Washington elite". Team GB is currently tenth

:29:10.:29:15.

in the Rio Olympics medal table, with two more bronze

:29:16.:29:18.

medals won overnight. The divers Tom Daley

:29:19.:29:21.

and Dan Goodfellow came third Dan Goodfellow's coach,

:29:22.:29:28.

Marc Holdsworth, says I'm overwhelmed, emotional,

:29:29.:29:31.

and extremely proud of what they've achieved in such

:29:32.:29:36.

a short space of time. That's a summary of the latest

:29:37.:29:45.

news, join me for BBC Let's get the sport. It was

:29:46.:29:59.

interesting talking to the coach. There is no secret, it is just hard

:30:00.:30:06.

work. Really straightforward. Absolutely. To execute that, their

:30:07.:30:12.

last dive, and the problems medal depended on that's it execute after

:30:13.:30:16.

year one shot at getting that medal, that was an incredible performance.

:30:17.:30:20.

And it was a tense wait. To discover if they had won the bronze medal.

:30:21.:30:24.

They sealed it on their final dive - to move ahead of the Germans

:30:25.:30:27.

who knew the GB pair had done enough.

:30:28.:30:34.

Daley and Goodfellow still had to wait for the judges scores,

:30:35.:30:36.

but delight when they leaned bronze was theirs.

:30:37.:30:49.

GB's second bronze came in the men's trap shooting,

:30:50.:30:52.

He had to win a shoot-off in the previous round to even reach

:30:53.:30:57.

But a special moment for him, competing at his third Olympics.

:30:58.:31:09.

There were near misses too - a mistake by Louis Smith

:31:10.:31:12.

on the pommel in the men's team final meant GB missed out

:31:13.:31:15.

That ended British hopes of emulating their bronze

:31:16.:31:26.

No medal - bronze or otherwise - for Great Britain's rugby sevens

:31:27.:31:42.

women's team as they lost to Canada 33-10 in

:31:43.:31:44.

The British women had already beaten the Canadians in the group stage

:31:45.:31:48.

Australia beat New Zealand in the final.

:31:49.:31:57.

And away from the Olympics, Jose Mourinho has got his man,

:31:58.:32:00.

but he's had to break the transfer world record.

:32:01.:32:12.

Paul Pogba has returned to Manchester United for a world

:32:13.:32:15.

I am sure Jose Mourinho is hoping that he will create some big

:32:16.:32:30.

performances for them so that they can challenge for some trophies this

:32:31.:32:31.

year. Labour party officials

:32:32.:32:35.

will challenge a High Court ruling which says that members who have

:32:36.:32:38.

recently joined CAN vote The party's National Executive

:32:39.:32:41.

Committee had banned anyone who signed up after 12th

:32:42.:32:47.

January from taking part in the vote - unless

:32:48.:32:53.

they paid an extra ?25. But the High Court ruling could mean

:32:54.:32:55.

up to 150,000 extra people will be given the opportunity to choose

:32:56.:32:58.

between Jeremy Corbyn and his challenger, Owen Smith,

:32:59.:33:00.

in the Labour leadership election. Let's speak to three

:33:01.:33:04.

people who paid that ?25 and are wondering if they'll get

:33:05.:33:06.

that money back. Martin Campbell is in Nottingham

:33:07.:33:13.

supports Jeremy Corbyn. Jude Walker is in Bristol supports

:33:14.:33:15.

Owen Smith. And Zita Holbourne

:33:16.:33:16.

supports Jeremy Corbyn. Martin, you were not happy about

:33:17.:33:28.

paying the ?25 in the first place, why? Because when I signed up it was

:33:29.:33:33.

quite obvious on the website that part of becoming a member was

:33:34.:33:36.

getting to vote in leadership elections in the first place. Did

:33:37.:33:40.

you sign up specifically to support Jeremy Corbyn? Yes I did, because

:33:41.:33:46.

Jeremy Corbyn presents a chance for the Labour Party to go back to

:33:47.:33:52.

values that they had previously and become left-wing again. I feel like

:33:53.:33:55.

Jeremy Corbyn needs that support. Are you one of those who thinks he

:33:56.:34:00.

could beat Theresa May when the next general election is held? Provided

:34:01.:34:05.

the Parliamentary Labour Party gets behind him, yes. That is a big

:34:06.:34:11.

proviso, isn't it? It is, but I feel I with Unite coming out and saying

:34:12.:34:18.

they back the reselection of MPs that tried to get raped, I feel that

:34:19.:34:26.

could help. Zita, you were cross at paying the ?25? Absolutely, I have

:34:27.:34:31.

joined the Labour Party, I am paying my membership fee, I should not have

:34:32.:34:35.

to pay an additional amount on top of that. The Labour Party is

:34:36.:34:39.

supposed to be a Socialist democratic organisation that stands

:34:40.:34:43.

for equality and fairness, and this decision flies in the face of that.

:34:44.:34:46.

Do you want your money back? Absolutely! When did you join? I

:34:47.:34:56.

joined in mid-June. This year. I signed up as a supporter last year,

:34:57.:35:00.

as a campaigner I have worked alongside Jeremy Corbyn so I have

:35:01.:35:04.

seen first-hand the work you does, he shares a lot of the same values

:35:05.:35:08.

as me, but I joined because I wanted to participate in the Labour Party

:35:09.:35:12.

and make a difference and get involved, because I could see the

:35:13.:35:15.

Labour Party has changed under Jeremy Corbyn's leadership and I

:35:16.:35:20.

felt it is a party I can now be involved in be active in. Because of

:35:21.:35:26.

this ruling, albeit there is a legal challenge, as we know, but because

:35:27.:35:30.

of this all the bookies are now saying that, in a way, there is no

:35:31.:35:34.

point in the leadership contest because Jeremy 's -- Jeremy Corbyn

:35:35.:35:38.

is a dead cert to win it? I think you will, it is a waste of time for

:35:39.:35:45.

the NEC to appear late and use members' money, including those ?25

:35:46.:35:50.

fees they took off individuals like myself, to fight a legal case which

:35:51.:35:53.

will cost hundreds of thousands, it is disgusting that money that could

:35:54.:35:59.

be better used fighting for our rights, the Justice, equality,

:36:00.:36:03.

fairness and against austerity. Jude, you left the party last year

:36:04.:36:12.

and rejoined in June. Tell us why? Yes, good morning. We have been

:36:13.:36:18.

lifelong supporters and actively working for the Labour Party, unlike

:36:19.:36:23.

a lot who have obviously just joined the bandwagon in the past few

:36:24.:36:31.

months. We left following the autumn of giving Corbyn a child and seeing

:36:32.:36:38.

him fail abysmally at being a leader -- giving Corbyn a chance. We left

:36:39.:36:45.

the Labour Party and, following the referendum and the leadership

:36:46.:36:50.

challenge, we decided to rejoin. We rejoined as full members and have

:36:51.:36:54.

since paid also the ?25. But I'm not worried about the ?25, that is

:36:55.:37:00.

immaterial. I think there are bigger questions to be asked here, and what

:37:01.:37:06.

I would say is I have heard this morning that we are looking at maybe

:37:07.:37:12.

over 50% of those new members from January may indeed be supporting

:37:13.:37:16.

Owen Smith. Where have you heard that from? That has come from a

:37:17.:37:24.

source that I couldn't possibly name, but it is not the bleak

:37:25.:37:31.

picture which is being painted, and I certainly, as well, from evidence,

:37:32.:37:36.

I am supporting Owen Smith, of course, because we want a credible,

:37:37.:37:42.

electable leader and a Labour Government, and on the phone banks

:37:43.:37:45.

we are seeing a lot of buyers remorse from people who voted for

:37:46.:37:52.

Corbyn and also a lot of the new people who are saying, we are not

:37:53.:38:00.

convinced at all that Corbyn can win any election. Let me bring in Zita

:38:01.:38:06.

and Martin, how do you feel as being described as someone who has jumped

:38:07.:38:09.

on the bandwagon? I joined the Labour Party when I was a teenager

:38:10.:38:14.

at the age of 14, I was a member for many years so I have been out of the

:38:15.:38:18.

Labour Party the ten years and have rejoined, so I have not jumped on a

:38:19.:38:23.

bandwagon, I am a community activist, trade union at best, I

:38:24.:38:34.

fight for equality, freedom of justice and rights every day of my

:38:35.:38:37.

life and I now see that the Labour Party is somewhere that I could take

:38:38.:38:39.

that fight and take my campaigning spirit into and work alongside

:38:40.:38:41.

like-minded people. Martin, have you jumped on the Corbyn bandwagon? In

:38:42.:38:47.

the time I have been able to vote, I have not had anyone like Corbyn that

:38:48.:38:51.

I have been able to vote for. I have not jumped on a bandwagon just

:38:52.:38:55.

because, but because I have been waiting for someone that represents

:38:56.:38:58.

my views and I have not had that before. Ed Miliband certainly did

:38:59.:39:01.

not provide that chance. Go on, Jude. You have to look at the

:39:02.:39:07.

evidence. Do you want a Labour Government or be a party of protest

:39:08.:39:13.

and placard wavers? Listening to John McTiernan on Newsnight last

:39:14.:39:17.

night... A former Tony Blair at Pfizer? Yes, but he is saying that

:39:18.:39:23.

Corbyn is not sellable on the doorstep. We worked hard for Ed

:39:24.:39:28.

Miliband in 2015 and the message then was that Ed Miliband was way

:39:29.:39:32.

ahead in popularity stakes compared to Corbyn, who is on -18%

:39:33.:39:38.

popularity, it is ridiculous. We were hearing on the doorstep then

:39:39.:39:41.

that we cannot vote for the local candidate because we have no faith

:39:42.:39:50.

in Miliband and Ed Balls. Last night, John McTiernan said, this is

:39:51.:39:57.

not sellable on the doorstep, what they will be offering is a

:39:58.:40:01.

defenceless Britain without Trident, no plan for the economy, and, in

:40:02.:40:07.

John McTiernan's words, someone who is linked to the IRA, was an IRA

:40:08.:40:18.

civilise, and also has... At that, Martin, you looked aghast, the

:40:19.:40:23.

reference to the IRA? Yes, this constant bias against Corbyn, trying

:40:24.:40:27.

to paint him as some form of extremist, you see it all the time.

:40:28.:40:33.

There was one period leading up to his original leadership win when 42%

:40:34.:40:39.

of news articles painted him as a communist. This massive bias against

:40:40.:40:49.

him is absurd. Can I come back on one question to both people... I'm

:40:50.:40:54.

sorry, I have to pause it there, we will definitely discuss this subject

:40:55.:40:57.

again because the leadership contest carries on throughout the summer,

:40:58.:41:03.

but I thank you for your time this morning, thank you all for coming on

:41:04.:41:12.

the programme. In the last 20 minutes or so of the

:41:13.:41:16.

programme, why is the most decorated Olympian of all, Michael Phelps,

:41:17.:41:20.

following the fact of cupping? We will show you what it is and talk

:41:21.:41:25.

about the fact that it is an ancient form of Chinese medicine, and ask a

:41:26.:41:28.

scientist if there is any evidence to show that it takes away your

:41:29.:41:30.

aches and pains. Many of you have got in touch about

:41:31.:41:39.

Jools Oliver having two of her children present at the birth of

:41:40.:41:43.

their fifth child. She posted on social media how happy she was that

:41:44.:41:47.

she could involve her two eldest daughters, 13 and 14, in the birth,

:41:48.:41:51.

they could the umbilical chord of their baby brother. One or two, but

:41:52.:41:56.

not many, have raised eyebrows at that. Most of you saying, this is a

:41:57.:42:02.

really, really good idea, why should this happen more? Lets talk to

:42:03.:42:04.

various people about this. Vivian's daughter Jessica, aged

:42:05.:42:16.

four, watched her brother being born. He was born where we are

:42:17.:42:20.

sitting now, at home, and Jessica watched the whole process, she was

:42:21.:42:24.

brilliant and will tell the story today, if she was here she would

:42:25.:42:27.

tell it, it was amazing. How old was Jessica? Just four. You are kidding

:42:28.:42:37.

me?! Yes, she was amazing, she had a dummy, a blanket, she gave the

:42:38.:42:43.

blanket to help with some bird stuff, and she never looked back,

:42:44.:42:48.

she gave up that blanket, she loved it, she was the first to hold Luke.

:42:49.:42:53.

Brilliant, absolutely brilliant experience. How did you prepare her

:42:54.:42:59.

for it? She did watch some videos of births, she said she wanted to watch

:43:00.:43:04.

her baby sibling be born, so we thought, we had better prepare her,

:43:05.:43:12.

show her what is going on, and she was very happy, she loved it, and

:43:13.:43:16.

she loved the baby, she loves him now. She is -- if she is not a

:43:17.:43:22.

midwife, I would be surprised! Can I ask some personal questions, don't

:43:23.:43:26.

feel you have to answer, were you on your hands and knees, on your back,

:43:27.:43:31.

how were you? On my knees, actually, on the sober we are sitting but my

:43:32.:43:35.

knees were on the floor, he was born exactly here. Luke, can you hear me?

:43:36.:43:44.

Yes. What do you think about the fact that your older sister was able

:43:45.:43:50.

to watch you being born? Do you think it is good? Yes, it is good.

:43:51.:44:01.

What does Jessica tell you about it? She was the first to hold me.

:44:02.:44:05.

Let's speak to former midwife and lecturer

:44:06.:44:07.

in midwifery Jeanne Lythgoe, who's had experience of kids

:44:08.:44:09.

It sounds a bit ominous, but clearly not? No, I have not got much

:44:10.:44:22.

experience of the children cutting the cord, but I have got experience

:44:23.:44:26.

of children being at the birth and being around at the time of the

:44:27.:44:29.

birth. What do you think of the idea? It is usually much more common

:44:30.:44:36.

in homebirths, and that is because that is the home environment, the

:44:37.:44:41.

children live there and often that is one of the reason mothers choose

:44:42.:44:44.

a home birth, because they want to be with their children around and

:44:45.:44:49.

not have to leave their children at home. They obviously need care, you

:44:50.:44:53.

need somebody there who can care just for the children so that

:44:54.:44:57.

whoever is supporting mum in labour isn't having to be distracted and

:44:58.:45:04.

the children have to have their needs met, so it has to be done in a

:45:05.:45:09.

very organised way, and the children do have to be prepared. What are the

:45:10.:45:14.

disadvantages, if there are any? I'm not sure, I think if children were

:45:15.:45:19.

not prepared and were frightened or found it distressing because mum was

:45:20.:45:22.

perhaps distracted with the contractions and things like that,

:45:23.:45:27.

but in my experience, particularly homebirth, it is usually the

:45:28.:45:32.

children are well prepared, they are around at the start of Labour, the

:45:33.:45:36.

preparation for labour, and there are usually relatives or friends

:45:37.:45:40.

there for the children, purely for the children, so I think it can be

:45:41.:45:44.

really positive. I had a message earlier from one woman who had

:45:45.:45:48.

people around her at home for the birth of her second, third and

:45:49.:45:52.

fourth child. At the birth of the fourth, there were 24 friends and

:45:53.:45:57.

family in the room! Well, I mean, bird is a celebration, -- birth is a

:45:58.:46:04.

celebration and it should probably be much more like that. Since birth

:46:05.:46:08.

moved away from the home into hospital, it is more difficult to

:46:09.:46:12.

achieve. Midwives try to make it as homely as possible but it is much

:46:13.:46:16.

more difficult, whereas in the past it would be difficult for lots of

:46:17.:46:21.

people to be around, maybe not in the room for the birth but being in

:46:22.:46:24.

the house, helping out, looking after the children, providing food

:46:25.:46:30.

and things, and it makes it more of a family event, a positive event,

:46:31.:46:33.

something people can look back on with a lot of joy for everybody,

:46:34.:46:35.

really. Thank you for talking to us. Slater Williams got in touch with

:46:36.:46:46.

us, her daughter was a birthing partner when she had her son,

:46:47.:46:51.

William. Thank you for coming onto programme. Britannia, good morning.

:46:52.:47:00.

And that has to be William? What an adorable little boy! Britannia, tell

:47:01.:47:06.

us what it was like helping give birth? At first I was afraid because

:47:07.:47:15.

I thought there would be a lot of blood and everything. I was afraid.

:47:16.:47:24.

But whenever I saw the baby, it changed my view of it. And I loved

:47:25.:47:30.

him instantly. Before I was excited but seeing the procedure has made us

:47:31.:47:41.

closer. Was there ever any moment when you that, I need to just leave

:47:42.:47:49.

the room for the second? Yes! At the start I was crying, I didn't think I

:47:50.:47:53.

could go through with it. I don't want to see you doing this. I did

:47:54.:48:04.

not get to see them cut her, only taking the baby out and I could see

:48:05.:48:09.

all of her organs and all of that. But seeing the baby coming from the

:48:10.:48:18.

worm itself... How was it for you? It was frightening because they gave

:48:19.:48:23.

natural birth to her. And it was so long, 18 years, it was a new

:48:24.:48:28.

experience for me. It was really an awkward feeling, after getting the

:48:29.:48:36.

epidural, not being able to move, I felt like was in a different world

:48:37.:48:42.

but it was an amazing experience. Britannia, does it put you off

:48:43.:48:51.

having children? Is not really, now that he is here, it is different.

:48:52.:48:58.

You have to honour the pain to get him here but it is worth it in the

:48:59.:49:04.

end. Thank you, all of you. Really nice to have you on the programme.

:49:05.:49:08.

And William, delicious William! Have a good day. Goodbye!

:49:09.:49:12.

Why are some Olympians covered in large red circles?

:49:13.:49:14.

A number of them - including the most decorated

:49:15.:49:16.

Olympic athlete of all time, Michael Phelps -

:49:17.:49:21.

have been photographed with big red dots on their skin -

:49:22.:49:23.

And here's his US compatriate, gymnast Alex Naddor.

:49:24.:49:34.

It's as a result of cupping - the lastest fad for some Olympians

:49:35.:49:38.

and said to be an ancient form of chinese medicine.

:49:39.:49:41.

The cups produce suction and pull the skin away from the body

:49:42.:49:44.

apparently promoting blood flow - leaving those red spots,

:49:45.:49:46.

which typically last for three or four days.

:49:47.:49:48.

Athletes say they are using it to ease aches and pains.

:49:49.:49:52.

There's little hard evidence to show cupping works, and in fact one

:49:53.:49:57.

of our next guests, David Colquhoun, professor of pharmacology

:49:58.:49:59.

at University College London says there's no science behind it

:50:00.:50:02.

Let's introduce Rizwhan Suleman, he teaches a form of cupping

:50:03.:50:11.

at a place in Leicester and Aaron Ottley, who's going to be

:50:12.:50:14.

Hello! Tell us what we can see on his back. And what is the point?

:50:15.:50:38.

What we're demonstrating is a simple cupping procedure. This is cupping

:50:39.:50:43.

therapy and there are different forms, we're demonstrating dry

:50:44.:50:47.

cupping. And the procedure is straightforward. The concept is

:50:48.:50:52.

simple. A mechanical vacuum, you can use heat and other ways of creating

:50:53.:50:58.

suction but we're basically using a mechanical pump, with the valve and

:50:59.:51:02.

a suction cup and reapply them together and create suction, and by

:51:03.:51:06.

sucking out the air, it is very simple. It pulls up the skin and

:51:07.:51:14.

makes that mark. Are you OK? Yes. It just feels like a nice stretch, we

:51:15.:51:24.

feel relaxed. Relaxed? That is the vacuum, pulling the skin. What is

:51:25.:51:28.

the point of it? Generally, people find it very relaxing and it does

:51:29.:51:34.

lots of things. We can see from what is happening that there is something

:51:35.:51:39.

going on, it is not a simple placebo, there are physiological

:51:40.:51:43.

things happening. With suction we have negative pressure so when we

:51:44.:51:47.

have injuries and we have tissue damage we have a phenomenon known as

:51:48.:51:51.

information and when information happens you get more blood in an

:51:52.:51:54.

area and you often get pressure in that area and where the tissue

:51:55.:51:58.

becomes pressurised, you often get nerve endings that stretch because

:51:59.:52:02.

we are made up of a closed system, there was nowhere for that to go

:52:03.:52:06.

easily. Often we get swelling and a simple example is if you sprained

:52:07.:52:11.

ankle, you will feel it swelling up and that tightness causes a lot of

:52:12.:52:16.

pain. What is your background? You are registered chiropractor? Cupping

:52:17.:52:21.

is unregulated. Presumably anybody can do that? Cupping therapy is done

:52:22.:52:28.

under voluntary self-regulation. Just like acupuncture or massage

:52:29.:52:33.

therapy or various other types of complementary therapy. My background

:52:34.:52:42.

is in chiropractic medicine and the concept is the same, looking for

:52:43.:52:46.

natural ways to help the body heal itself. We can bring in the

:52:47.:52:52.

Professor. Is there any science behind this at all? No, I'm afraid

:52:53.:53:00.

what you have just been told is entirely hocus-pocus. Not surprising

:53:01.:53:06.

chiropractor because that is disproving itself, it was the

:53:07.:53:11.

subject of a court case recently. When Simon Singh defined it as

:53:12.:53:16.

happily providing bogus treatments and he won the case in court. Thank

:53:17.:53:23.

heavens. No, it is just pulling up about his skin, it is not going to

:53:24.:53:27.

affect the muscles to any extent and taken to extreme it can cause harm.

:53:28.:53:33.

Is usually just a voluntary tax on the gullible. How do you respond to

:53:34.:53:42.

that? Taxing the gullible? Everything will have opposition and

:53:43.:53:52.

we have it here. In general, such is cupping and chiropractic medicine,

:53:53.:53:59.

it is something which is recommended by the NICE guidelines. It has been

:54:00.:54:05.

withdrawn. GPs recommend it and encourage patients to seek... The

:54:06.:54:09.

professor said that has been withdrawn from the NICE guidelines?

:54:10.:54:16.

It never was recommended by NICE. They recommended manipulative

:54:17.:54:18.

therapy, they did not mention chiropractic and that has been

:54:19.:54:21.

removed entirely. You're very out date. I had looked at the 2012

:54:22.:54:27.

review of cupping and it said studies that had been reviewed

:54:28.:54:32.

generally were of low quality and more research was needed? What I

:54:33.:54:38.

would say is that a good example is talking about maternity and

:54:39.:54:42.

childbirth. Science often takes a long time to catch up with what

:54:43.:54:47.

works and unfortunately, out of arrogance, the idea that we know

:54:48.:54:51.

everything and can prove and understand everything, we sometimes

:54:52.:54:54.

forget that sometimes the things which are known to have worked for a

:54:55.:54:57.

long time are actually very beneficial and what you will find,

:54:58.:55:01.

even in midwifery, we're going back to find out that lots of things that

:55:02.:55:06.

midwives have been practising for centuries are actually

:55:07.:55:08.

scientifically proven. You can see the professor shaking his head.

:55:09.:55:21.

Final word? ? There is no amount of anecdote that can supplant data,

:55:22.:55:27.

there is no proof. It has not been properly tested, acupuncture has

:55:28.:55:31.

been tested and shown not to work, most complementary therapies for

:55:32.:55:37.

them to either disproven, like acupuncture and chiropractic, or

:55:38.:55:40.

unproven, like cupping, people should not be selling unproven

:55:41.:55:47.

treatments for money. Are you OK? Not too bad! OK, thank you very much

:55:48.:55:51.

for showing us this. Thank you for your time. Thank you for being the

:55:52.:56:01.

man on the couch! Team GB has 14 medals. Tom Daley and Dan Goodfellow

:56:02.:56:05.

taking bronze. I spoke to Dan Goodfellow's diving

:56:06.:56:10.

coach, Marc Holdsworth, It is down to the number of

:56:11.:56:12.

accreditations the sport can have. Unfortunately I was one

:56:13.:56:16.

of the coaches that could not be there to support the rest of Team GB

:56:17.:56:19.

out in Rio, so I watched it in front of the television,

:56:20.:56:24.

which was a bit nerve-racking. But the boys did us proud,

:56:25.:56:32.

I'm overwhelmed, emotional, and extremely proud

:56:33.:56:38.

of what they have achieved in such It is really interesting

:56:39.:56:41.

when you hear Dan said, Adam Peaty yesterday,

:56:42.:56:49.

seven years of hard work. I think sometimes people think, oh,

:56:50.:56:55.

they have a natural talent for this, it is good luck or a special gift,

:56:56.:56:58.

but it is straightforward? If you put your mindset

:56:59.:57:02.

to what you want to do, When I saw Daniel for the first

:57:03.:57:05.

time, he took my breath away. His innate ability to jump

:57:06.:57:10.

off the springboard, he looked like a ballerina dancing

:57:11.:57:21.

in the air, it was phenomenal. The fact that he had the ability

:57:22.:57:28.

at a young age, to work with him, developing, let him grow

:57:29.:57:31.

into the athlete he is today, The work and dedication

:57:32.:57:34.

has paid off. Do you have to have a particular

:57:35.:57:37.

physique for diving, I think it is definitely

:57:38.:57:43.

down to mindset. You put your vision and your

:57:44.:57:52.

direction into what you want to be Dan's vision started off

:57:53.:57:55.

as being a football player. He soon realised it would be very

:57:56.:58:04.

difficult to get into the academies. He was pretty good

:58:05.:58:07.

when he was younger, and when I came along,

:58:08.:58:11.

I said, no more football, It is not really down

:58:12.:58:13.

to a certain ability, hard work and dedication are the two

:58:14.:58:19.

most important thing Dan Goodfellow's diving coach, he

:58:20.:58:35.

could not be in Rio because was not enough accreditation! Thank you for

:58:36.:58:42.

watching us, thank you for your company. We are back tomorrow.

:58:43.:59:05.

They'll be sunshine across northern areas of the UK,

:59:06.:59:07.

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