0:00:02 > 0:00:06Did you know that where you live dictates what you get?
0:00:06 > 0:00:10Even one side of the street can be completely different to another
0:00:10 > 0:00:16because every part of our lives is affected by a line on a map and a few letters and numbers.
0:00:16 > 0:00:18Well, I'm here to get you a better deal
0:00:18 > 0:00:23and to reveal what is really going on in the postcode lottery.
0:00:23 > 0:00:26And in today's programme -
0:00:26 > 0:00:30we meet the former soldier fighting a life or death postcode lottery.
0:00:30 > 0:00:34It's my life and they're saying "No".
0:00:34 > 0:00:39They're saying, basically, "Just crawl and go and die somewhere."
0:00:39 > 0:00:44We visit the village trapped in an insurance postcode lottery.
0:00:44 > 0:00:47When you talk about insurance for property and car,
0:00:47 > 0:00:51you're talking about thousands of pounds.
0:00:51 > 0:00:56And we reveal one family who fought back against their postcode lottery and won.
0:00:58 > 0:01:03Life-changing and completely fantastic.
0:01:05 > 0:01:08Are you going to be a winner in the postcode lottery?
0:01:08 > 0:01:11Well, I'm here to help you get the right number.
0:01:26 > 0:01:30Hello. My Postcode Lottery team and I have been roaming the UK,
0:01:30 > 0:01:34looking for the most ridiculous and inexplicable decisions taken about our lives
0:01:34 > 0:01:36based on where we live.
0:01:36 > 0:01:40And today, we're going to SA9, Swansea in South Wales,
0:01:40 > 0:01:44and PO31, Cowes on the Isle of Wight.
0:01:44 > 0:01:48But first, we're heading to DN21,
0:01:48 > 0:01:51Gainsborough in South Yorkshire.
0:01:51 > 0:01:54And let me tell you, this story is truly shocking.
0:01:54 > 0:01:57A terminally ill, married father of two young children
0:01:57 > 0:02:01is being denied a drug that could extend his life by a few more years,
0:02:01 > 0:02:04a drug that is freely available elsewhere in the country.
0:02:04 > 0:02:10He's a victim of a postcode lottery that is quite literally a case of life and death.
0:02:12 > 0:02:1637-year-old Mark Bannister lives with his wife, Karen,
0:02:16 > 0:02:20and their two children, Sophie, six, and Thomas, who is four.
0:02:20 > 0:02:24- Are you all right, mate? - What Sophie and Thomas don't realise
0:02:24 > 0:02:27is that their daddy has a brain tumour that is killing him.
0:02:27 > 0:02:31Mark is an ex-serviceman who saw active duty for his country
0:02:31 > 0:02:35in Ireland and in Bosnia. Returning to civilian life,
0:02:35 > 0:02:40he was working as a truck driver when, eight years ago, he first became unwell.
0:02:40 > 0:02:43I woke up in the morning, about midnight.
0:02:43 > 0:02:47I had two seizures, and because I had two seizures,
0:02:47 > 0:02:49they took me to hospital,
0:02:49 > 0:02:53and then did a CT scan.
0:02:53 > 0:02:56They saw it there and then, and from then on,
0:02:56 > 0:02:59it was two days, I was at Sheffield,
0:02:59 > 0:03:00having the operation.
0:03:00 > 0:03:06The CT scan had revealed the brain tumour - non-cancerous.
0:03:06 > 0:03:09The surgeon was able to remove 98% of it,
0:03:09 > 0:03:13and radiotherapy helped shrink what remained. But it didn't prove
0:03:13 > 0:03:15to be the cure that Mark was hoping for.
0:03:15 > 0:03:18Three years later, it came back
0:03:18 > 0:03:21and it came back as cancerous.
0:03:23 > 0:03:26For the past five years, Mark's family have watched him fight
0:03:26 > 0:03:29through every available treatment -
0:03:29 > 0:03:32surgery, radiotherapy and chemotherapy.
0:03:32 > 0:03:35His children have known no other way of life.
0:03:35 > 0:03:40Sophie... I mean, she's six now,
0:03:40 > 0:03:44but at the time, she was only 12 months old.
0:03:45 > 0:03:48I think she took her first steps in the hospital
0:03:48 > 0:03:52cos she was backwards and forwards all the time, every single day.
0:03:54 > 0:03:58It wasn't very nice, but it was worth doing.
0:03:58 > 0:04:00You know, you would.
0:04:00 > 0:04:04I was fighting back then, so I'm going to keep fighting now.
0:04:06 > 0:04:09Last summer, Mark's fight became even harder
0:04:09 > 0:04:12when doctors told him and Karen the news they were dreading.
0:04:12 > 0:04:17The cancer had resisted all treatments and was now incurable.
0:04:18 > 0:04:21There was, though, one further new drug treatment
0:04:21 > 0:04:24that is available to other sufferers - Avastin.
0:04:24 > 0:04:28Avastin is not a cure for cancer,
0:04:28 > 0:04:31but it slows down a tumour's growth,
0:04:31 > 0:04:36which can prolong a terminal cancer sufferer's life for many months, and even years.
0:04:36 > 0:04:41Avastin is a drug that costs up to £21,000 per year, per patient.
0:04:41 > 0:04:44But because it's a drug that only prolongs life
0:04:44 > 0:04:45and doesn't cure the illness,
0:04:45 > 0:04:48the government's health advisory body, NICE,
0:04:48 > 0:04:51has decided that its cost-effectiveness is unproven,
0:04:51 > 0:04:55and has therefore left the decision on whether to fund the treatment
0:04:55 > 0:04:57down to the local health authority.
0:04:57 > 0:05:01Many primary care trusts are prescribing Avastin
0:05:01 > 0:05:03using money from the Cancer Drugs Fund,
0:05:03 > 0:05:07a £200 million central pot that allows doctors
0:05:07 > 0:05:11to prescribe treatments for cancer sufferers exactly like Mark.
0:05:11 > 0:05:16Mark's doctor applied to prescribe Avastin to him in August of last year,
0:05:16 > 0:05:21but he was turned down by Mark's primary care trust, NHS East Midlands.
0:05:23 > 0:05:25Mark is currently appealing this decision,
0:05:25 > 0:05:28but the longer this takes, the worse his condition becomes,
0:05:28 > 0:05:33and the less effective Avastin will be, something he is very aware of.
0:05:33 > 0:05:37I need it. I need it now as well,
0:05:37 > 0:05:39because I'm at the point now where...
0:05:41 > 0:05:44..I can cope with the treatment,
0:05:44 > 0:05:46whereas six months down the line,
0:05:46 > 0:05:49I'm going to be really ill
0:05:49 > 0:05:51because of the tumour
0:05:51 > 0:05:54and I might not be able to walk. I don't know.
0:05:54 > 0:05:59But I'll be really ill then. I might not be able to cope with the treatment.
0:05:59 > 0:06:02So if I have it now,
0:06:02 > 0:06:04it'll be a lot better for me.
0:06:04 > 0:06:09But the tragedy and absurdity of postcode lottery Britain
0:06:09 > 0:06:12is that just three-and-a-half miles down the road,
0:06:12 > 0:06:16Yorkshire and Humber PCT freely prescribes Avastin.
0:06:16 > 0:06:19I just can't believe it, I really can't.
0:06:19 > 0:06:21It's just over the water.
0:06:21 > 0:06:24I could get it.
0:06:24 > 0:06:27I just don't understand how people can say "no" to people.
0:06:27 > 0:06:30It's their lives.
0:06:36 > 0:06:41It's my life, and they're saying "No".
0:06:41 > 0:06:44They're saying, basically, "Just crawl and go and die somewhere."
0:06:46 > 0:06:49You know, "Thanks very much, but no."
0:06:49 > 0:06:51If it was their family
0:06:51 > 0:06:53I'm sure it would be a different decision,
0:06:53 > 0:06:56that they would have come with a different outcome.
0:06:56 > 0:07:02If Yorkshire and Humber can see that Avastin can benefit brain tumours,
0:07:02 > 0:07:05then you just find it hard to believe that they can't.
0:07:05 > 0:07:07Trapped in this appalling postcode lottery,
0:07:07 > 0:07:10Mark and Karen have become so desperate
0:07:10 > 0:07:14that they have seriously considered moving or even splitting up the family
0:07:14 > 0:07:16to get access to the treatment.
0:07:16 > 0:07:19We'd have a choice that either Mark could move by himself,
0:07:19 > 0:07:24or as a family, we could all move.
0:07:24 > 0:07:27But I think, practically, it would be easier for Mark
0:07:27 > 0:07:30just to go by himself,
0:07:30 > 0:07:32but again, that would just disrupt the whole family.
0:07:32 > 0:07:37We said to Sophie that Daddy might have to move to get it
0:07:37 > 0:07:40and she got quite upset about that.
0:07:40 > 0:07:45But as a last resort, he would have to do it.
0:07:45 > 0:07:48Sophie instantly cried.
0:07:48 > 0:07:50She didn't want me to go.
0:07:50 > 0:07:53They understand me moving somewhere,
0:07:53 > 0:07:56but they don't quite understand how serious
0:07:56 > 0:07:59getting this drug is for me -
0:07:59 > 0:08:03you know, that Daddy could die.
0:08:03 > 0:08:06I don't really want them to understand it right now.
0:08:06 > 0:08:11Later on, down the line, if it does get more serious,
0:08:11 > 0:08:16then yes, we do need to bring them into it more.
0:08:17 > 0:08:20But I'd rather try and keep them out of it for now,
0:08:20 > 0:08:23cos it's stressful enough for me and Karen.
0:08:24 > 0:08:27Mark is the clear victim of a postcode lottery,
0:08:27 > 0:08:30but he is far from alone in fighting for his right to life.
0:08:34 > 0:08:37This is Andrew Wilson from the Rarer Cancers Foundation,
0:08:37 > 0:08:40and Rose Woodward, a former cancer patient
0:08:40 > 0:08:45who has successfully campaigned for over 200 people to get the cancer drug they need.
0:08:45 > 0:08:48Between them, they are helping Mark to fight his cause.
0:08:48 > 0:08:50Mark has to get the drug.
0:08:50 > 0:08:53We are told that the NHS belongs to the people,
0:08:53 > 0:08:56that it will care for us from cradle till grave,
0:08:56 > 0:08:58and that it will be there for us
0:08:58 > 0:09:02at the end of our lives when care and compassion matter most.
0:09:02 > 0:09:07And you couldn't find that in a more deserving and worthy case
0:09:07 > 0:09:10than a young man like Mark who would have been willing
0:09:10 > 0:09:13to give his life for his country. I can't imagine
0:09:13 > 0:09:17a more awful situation than being denied this drug
0:09:17 > 0:09:23and Mark's life actually ending, knowing that his country wasn't prepared
0:09:23 > 0:09:28to pay out that amount of money for him to have time with his family at the end of his life.
0:09:29 > 0:09:32Now, what on earth is going on here?
0:09:32 > 0:09:35On one hand, we have a man who has served Queen and country
0:09:35 > 0:09:38and all he's asking for is a few thousand pounds
0:09:38 > 0:09:40so he can spend more time with his wife and kids.
0:09:40 > 0:09:44And on the other hand, we've got a pot of money, £200 million.
0:09:44 > 0:09:49Surely a few thousand pounds of that is not too much to ask, or am I missing something?
0:09:49 > 0:09:53When the government responded to pressure from campaigners like Rose and Andrew
0:09:53 > 0:09:56by setting up the Cancer Drugs Fund,
0:09:56 > 0:10:00it was exactly to prevent the kind of postcode lottery
0:10:00 > 0:10:02that Mark finds himself trapped in.
0:10:02 > 0:10:06So, why has the Cancer Drugs Fund failed to help Mark?
0:10:06 > 0:10:10The £200 million allocated annually to the fund is to pay for cancer drugs
0:10:10 > 0:10:14that are not currently on NICE's recommended list.
0:10:14 > 0:10:20The trouble is that each primary care trust is given a portion of that £200 million
0:10:20 > 0:10:22to spend as they see fit.
0:10:22 > 0:10:25In the case of Mark's PCT, East Midlands,
0:10:25 > 0:10:29they were given £11.6 million from the fund.
0:10:29 > 0:10:34But they haven't seen fit to use any of it to pay for Mark's treatment.
0:10:34 > 0:10:39Mark, though, is nothing if not a fighter and he refuses to give in.
0:10:39 > 0:10:42He's launched his own internet campaign
0:10:42 > 0:10:46and his Facebook page attracted over 3,000 supporters in its first week.
0:10:46 > 0:10:51Yeah, we've had a fantastic response. If I'm going to keep getting people's names on here,
0:10:51 > 0:10:57and get as many as I can, then if I have to, I'll take it down to Parliament.
0:10:57 > 0:11:01With the support of his local MP and a number of charities,
0:11:01 > 0:11:06Mark continues to lobby East Midlands PCT, as well as the Minister for Health.
0:11:06 > 0:11:12Meanwhile, he still lives in the hope that he will somehow be able to get Avastin.
0:11:12 > 0:11:15If this drug works,
0:11:15 > 0:11:18which, fingers crossed, it does, when I get it
0:11:18 > 0:11:22I will keep going for a lot longer
0:11:22 > 0:11:24and see a lot more Christmases and birthdays.
0:11:24 > 0:11:28If Mark could get it, for us it would make a huge difference,
0:11:28 > 0:11:32cos, you know, Thomas is five next month,
0:11:32 > 0:11:34but again, if Mark could be here for over a year
0:11:34 > 0:11:38he could see his sixth birthday and maybe his seventh birthday.
0:11:39 > 0:11:42For a boy who's 37 years old, like me...
0:11:46 > 0:11:48HE CLEARS HIS THROAT
0:11:50 > 0:11:53..I should have a lot longer left.
0:11:53 > 0:11:55I'm not going to stop fighting.
0:11:57 > 0:12:00No, I'm not going to stop fighting.
0:12:01 > 0:12:07We'll be back later in the programme for an update on Mark's fight to prolong his life.
0:12:18 > 0:12:23In these tough times, getting the cheapest home, car, or even pet insurance
0:12:23 > 0:12:26can save you hundreds if not thousands of pounds.
0:12:26 > 0:12:28Now, we all know we've got to shop around,
0:12:28 > 0:12:33but did you know that what you pay is largely dependent on your postcode?
0:12:33 > 0:12:35Your neighbour, who lives across the street,
0:12:35 > 0:12:39could be saving hundreds of pounds, just because their postcode is different.
0:12:39 > 0:12:43To highlight the absurdity of this insurance postcode lottery,
0:12:43 > 0:12:46we've gone to Ystradowen in deepest rural Wales.
0:12:48 > 0:12:53Ystradowen in West Wales has a population of just under 500
0:12:53 > 0:12:56and a Swansea postcode of SA9.
0:12:56 > 0:13:02A full 16 miles away is Swansea itself, Wales' second city,
0:13:02 > 0:13:07with a Premiership football team and a population of almost a quarter of a million.
0:13:07 > 0:13:11Surely the fact that little Ystradowen has a big-city postcode
0:13:11 > 0:13:16doesn't really matter, as long as everyone gets the right parcels and letters?
0:13:16 > 0:13:18That's all right, isn't it?
0:13:18 > 0:13:21Well, not really. You see, all insurance companies use postcodes
0:13:21 > 0:13:25as the deciding factor when setting everyone's insurance charges.
0:13:25 > 0:13:30And based on their big-city postcode, the rural villagers of Ystradowen
0:13:30 > 0:13:35are paying big-city insurance rates, which are costing them hundreds of pounds more
0:13:35 > 0:13:38than their neighbouring village of Tairgwaith.
0:13:38 > 0:13:41Tairgwaith is only a mile and a half away,
0:13:41 > 0:13:44but it has a rural Carmarthenshire postcode of SA18,
0:13:44 > 0:13:50and the villagers are paying much lower rural insurance rates,
0:13:50 > 0:13:53which has left the people and pets of Ystradowen calling foul,
0:13:53 > 0:13:58and demanding that they, too, be given a rural Carmarthenshire postcode.
0:13:58 > 0:14:01These fellows are Clive Trotman,
0:14:01 > 0:14:04Elwyn Williams and Les Wrangles, local residents
0:14:04 > 0:14:08and active members of Quarter Bach Community Council.
0:14:08 > 0:14:11Together, they've been campaigning for over four years
0:14:11 > 0:14:15to get the Ystradowen postcode changed.
0:14:15 > 0:14:18We're compared with Swansea.
0:14:18 > 0:14:21That's what the people are annoyed with
0:14:21 > 0:14:24because we are rural here
0:14:24 > 0:14:26and they compare us with the Swansea area.
0:14:26 > 0:14:29It could be anything from £100 to £200-£300,
0:14:29 > 0:14:31the difference between car and house insurances.
0:14:31 > 0:14:34We are Carmarthenshire, and that's what we are fighting for.
0:14:34 > 0:14:38And I'd fight too if I were Clive, because there's big bucks at stake.
0:14:38 > 0:14:41Living in Ystradowen, you could end up paying
0:14:41 > 0:14:45up to £1,400 more for your car insurance
0:14:45 > 0:14:48than next door in Tairgwaith.
0:14:48 > 0:14:52Fellow campaigner Elwyn Williams believes it's a postcode lottery
0:14:52 > 0:14:56that hits way more than just the pounds in your pocket.
0:14:56 > 0:15:01We are very limited in relation to employment locally.
0:15:01 > 0:15:05When you talk about insurance for 17 or 18-year-olds,
0:15:05 > 0:15:08you're talking about thousands of pounds.
0:15:08 > 0:15:12If they are fortunate in having employment,
0:15:12 > 0:15:17they're making it impossible for them to reach their place of work.
0:15:17 > 0:15:19And it doesn't get any better with house insurance.
0:15:19 > 0:15:22Next door, in Tairgwaith,
0:15:22 > 0:15:25it would cost you around £160 a year,
0:15:25 > 0:15:28whereas in Ystradowen, given your big-city postcode,
0:15:28 > 0:15:31that will be anything up to £650, please.
0:15:31 > 0:15:33Thank you!
0:15:33 > 0:15:38But surely these insurance companies realise that rural SA9, Ystradowen,
0:15:38 > 0:15:42is nothing like inner-city Swansea?
0:15:42 > 0:15:45SA9 is considered to be, by the insurance companies,
0:15:45 > 0:15:47an industrial area. It's more urban,
0:15:47 > 0:15:51spreading down towards Swansea, so obviously,
0:15:51 > 0:15:54with the crime rates and that sort of thing, we're lumped in with them.
0:15:54 > 0:15:56Ah, yes. Crime rates.
0:15:56 > 0:16:04In November 2011, 861 crimes were reported and logged in the city of Swansea.
0:16:04 > 0:16:0916 miles up the road in rural Ystradowen and neighbouring Tairgwaith
0:16:09 > 0:16:13there were a grand total of eight reported crimes in each village.
0:16:13 > 0:16:17But whilst Tairgwaith stands as a virtual paragon of love, peace and harmony,
0:16:17 > 0:16:24when the insurance companies tack Ystradowen's crime figures onto those of big-city Swansea,
0:16:24 > 0:16:28sleepy Ystradowen suddenly looks like a dangerous den of iniquity,
0:16:28 > 0:16:31and insurance prices rocket accordingly.
0:16:32 > 0:16:36So how has this insurance postcode lottery madness come about?
0:16:36 > 0:16:39Well, a lot of you probably think it's your insurance company
0:16:39 > 0:16:43using a complex formula of matrices, spreadsheets and calculated risk.
0:16:43 > 0:16:48But you'd be wrong. It's actually knocked together by a few letters and numbers
0:16:48 > 0:16:52and an arbitrary line on a map otherwise known as your postcode.
0:16:52 > 0:16:56But who decides your postcode? The Royal Mail.
0:16:56 > 0:17:01The Royal Mail introduced the postcode system in 1959,
0:17:01 > 0:17:05purely for the purposes of sorting and directing mail.
0:17:05 > 0:17:09But over time, postcodes have become geographical reference points
0:17:09 > 0:17:12in their own right. I mean, just ask your sat-nav.
0:17:12 > 0:17:17However, the postcode system was never intended or designed
0:17:17 > 0:17:20for the calculation of car and household insurance premiums.
0:17:20 > 0:17:23But it's the one that all insurance companies use.
0:17:23 > 0:17:29We asked MoneySupermarket.com expert Julie Fisher how the system works.
0:17:29 > 0:17:31Insurers will use postcodes
0:17:31 > 0:17:35as a rating factor when determining your car or home insurance premium.
0:17:35 > 0:17:39All insurers will use at least the sector level part of the postcode
0:17:39 > 0:17:43to determine your premium, but that actually contains 3,000 households,
0:17:43 > 0:17:45and 3,000's definitely a crowd.
0:17:45 > 0:17:50The more sophisticated insurers will use the full postcode when determining your premium.
0:17:50 > 0:17:54So what they will do is, from your postcode, build up a picture of the area you live in.
0:17:54 > 0:17:59They'll do that from both information that's available publicly,
0:17:59 > 0:18:01such as crime stats and whether you're in a flooding area
0:18:01 > 0:18:03in the case of home insurance,
0:18:03 > 0:18:07but they'll also look to the policies that they already have on their books
0:18:07 > 0:18:10and the level of claims that they've paid out
0:18:10 > 0:18:12to determine how risky your area is.
0:18:12 > 0:18:16If only all insurance companies used the full postcode,
0:18:16 > 0:18:20then rural Ystradowen wouldn't appear so risky.
0:18:20 > 0:18:25But the villagers have finally given up on trying to change the minds of insurance companies.
0:18:25 > 0:18:29They weren't really listening, anyway. Instead, they've tried launching a campaign
0:18:29 > 0:18:32targeted at Royal Mail.
0:18:32 > 0:18:35I wrote to the Royal Mail and this is the answer we have back.
0:18:35 > 0:18:40"There are times when we have to make large-scale changes to postal addresses,
0:18:40 > 0:18:43"but this is done only on exceptional occasions.
0:18:43 > 0:18:47"We will not consider making changes to postal addresses
0:18:47 > 0:18:52"which could lead to deterioration in the service we provide."
0:18:52 > 0:18:56We did meet with Royal Mail on at least two occasions,
0:18:56 > 0:18:59but it's always the same thing -
0:18:59 > 0:19:03that the postcode is there for their convenience and other people using it.
0:19:03 > 0:19:07But that really isn't good enough.
0:19:07 > 0:19:09It doesn't answer the question
0:19:09 > 0:19:13in relation to the situation we find ourselves in.
0:19:13 > 0:19:18The Postcode Lottery team contacted Royal Mail and we got this statement -
0:19:42 > 0:19:44That'll be a "no" then!
0:19:44 > 0:19:48So, the postcode was never designed to determine insurance premiums,
0:19:48 > 0:19:52but hey-ho, Ystradowen was never designed to be a city.
0:19:52 > 0:19:54Or am I just being a bit picky here?
0:19:54 > 0:19:57Now, here's a thing. Whilst the Post Office say
0:19:57 > 0:20:02that Ystradowen is in Swansea, here is a sign saying, "Welcome to Carmarthenshire."
0:20:02 > 0:20:05So, in this bureaucratic world of postcode postcode lotteries,
0:20:05 > 0:20:08do all roads lead to the same postcode?
0:20:10 > 0:20:14And guess who the villagers pay their council tax to? Swansea?
0:20:14 > 0:20:17You've got to be joking! Carmarthenshire.
0:20:23 > 0:20:27Every day this week, we're going to bring you a bite-size list
0:20:27 > 0:20:31of postcode lottery fame and shame, you know, winners and losers.
0:20:31 > 0:20:35The choice of subjects is so wide, you wouldn't Adam and Eve it!
0:20:36 > 0:20:39Motorway services, a handy place to spend a penny
0:20:39 > 0:20:42and a packet too on service station food.
0:20:42 > 0:20:45A team visited 21 service stations across the UK,
0:20:45 > 0:20:50operated by the UK's biggest chains, Roadchef, Moto and Welcome Break.
0:20:50 > 0:20:54They compared the cost of buying a cheese and pickle sandwich,
0:20:54 > 0:20:58a takeaway coffee and a 500 millilitre bottle of water.
0:20:58 > 0:21:02The results are enough to give you indigestion.
0:21:02 > 0:21:06The top three cheapest service stations, in reverse order, were,
0:21:06 > 0:21:08at number three:
0:21:12 > 0:21:15It would sell you these three items for £4.75.
0:21:15 > 0:21:19In joint first place, two of Moto's service stations:
0:21:22 > 0:21:27They sell the same package at a penny cheaper.
0:21:27 > 0:21:31And now, the top three dearest for exactly the same sandwich and drinks combo.
0:21:31 > 0:21:34At number three:
0:21:36 > 0:21:40They'll take £7.39 from your pocket.
0:21:40 > 0:21:42At number two:
0:21:45 > 0:21:48They charge £7.48.
0:21:48 > 0:21:52But the runaway winner, and charging just short of £3 more
0:21:52 > 0:21:55than the cheapest services in this survey:
0:21:59 > 0:22:04They complete a Roadchef hat-trick by charging £7.68.
0:22:04 > 0:22:07It's enough to make you choke on your food.
0:22:18 > 0:22:22Let's be honest, I bet we've all moaned about buses at some point
0:22:22 > 0:22:27in our life - too many, too few, too late, too expensive!
0:22:27 > 0:22:31But a large number of us Brits do rely on a very good bus service -
0:22:31 > 0:22:33pensioners, mums, schoolkids,
0:22:33 > 0:22:36even me going to the pub on a Saturday night.
0:22:39 > 0:22:43But in this age of austerity and cutbacks, it's fast becoming
0:22:43 > 0:22:48a postcode lottery whether or not your local bus will even turn up.
0:22:48 > 0:22:52With private bus operators putting profitability first, the only way to
0:22:52 > 0:22:57keep non-profitable bus routes running is through local council subsidies.
0:22:57 > 0:23:01But now, Whitehall is imposing 28% cuts on town hall funding
0:23:01 > 0:23:07for 2012, and 70% of local authorities have decided
0:23:07 > 0:23:11that one way to help make up the shortfall is by cutting back on buses.
0:23:11 > 0:23:16And the bus service postcode lottery is already en route.
0:23:16 > 0:23:19For example, in Cambridgeshire, every single subsidised bus route
0:23:19 > 0:23:21is being given the axe.
0:23:21 > 0:23:23In North Yorkshire, all funded weekend
0:23:23 > 0:23:26and evening services are being scrapped.
0:23:26 > 0:23:31And in dozens of areas, in order to maximise profits,
0:23:31 > 0:23:36free bus-pass holders will no longer be allowed on peak-period services.
0:23:36 > 0:23:40But before you hand back your bus pass to save on trees,
0:23:40 > 0:23:42perhaps all is not lost.
0:23:42 > 0:23:45There are some areas that are kicking back against the bus route
0:23:45 > 0:23:50postcode lottery, and there's one place in particular where
0:23:50 > 0:23:55a bus service revolution might just lead the whole country down the road to recovery.
0:23:55 > 0:24:00To find out more, we're going to Cowes on the Isle of Wight.
0:24:00 > 0:24:03Recently, the good citizens of Cowes had to face up
0:24:03 > 0:24:07to the consequences of losing their local bus service to council cuts.
0:24:07 > 0:24:09Until recently,
0:24:09 > 0:24:14we had a council-run operation called Wight Bus, which was running most
0:24:14 > 0:24:19of these routes, but it was making a loss of about £150,000 a year.
0:24:19 > 0:24:23In addition, we were having to pay Wight Bus the concessionary fares
0:24:23 > 0:24:26which were about another £130,000, £140,000 a year.
0:24:26 > 0:24:30So the Wight Bus operation was costing the council
0:24:30 > 0:24:32something approaching £300,000 a year.
0:24:32 > 0:24:34In the current financial climate,
0:24:34 > 0:24:37it wasn't sustainable so we needed to look for an alternative.
0:24:37 > 0:24:41And the alternative is a unique example of people power
0:24:41 > 0:24:44fighting back against the postcode lottery.
0:24:44 > 0:24:47Because the locals persuaded the council
0:24:47 > 0:24:51and the bus company to do something nothing less than revolutionary.
0:24:51 > 0:24:53They got them to hand over the keys.
0:24:53 > 0:24:56And so now, the buses of Cowes
0:24:56 > 0:25:00are being driven by local volunteers working for free.
0:25:00 > 0:25:04But what possesses a private bus company to hand over their buses?
0:25:04 > 0:25:08These cuts were being discussed, and certain groups were coming up
0:25:08 > 0:25:09and coming to speak to us
0:25:09 > 0:25:12and saying, "How easy is it to run a community bus?
0:25:12 > 0:25:15"Can you help us to get a scheme going?"
0:25:15 > 0:25:18And we kind of sat back and thought, "Oh, my goodness,
0:25:18 > 0:25:21"there are going to be lots of groups out there going out
0:25:21 > 0:25:23"and trying to buy minibuses and run buses."
0:25:23 > 0:25:25And instead of them doing that,
0:25:25 > 0:25:28we thought, we have school vehicles that run morning
0:25:28 > 0:25:31and afternoon, that pretty much sit around in the middle of the day.
0:25:31 > 0:25:34They're already insured, and we can help, so basically
0:25:34 > 0:25:38that resource we have sat around all day is there for them to use.
0:25:38 > 0:25:41We put the vehicles in, the community puts the volunteers in
0:25:41 > 0:25:45and the council put in... The concessionary fare is underwritten.
0:25:45 > 0:25:48So everyone's a winner then.
0:25:48 > 0:25:49I think it's a really good idea.
0:25:49 > 0:25:53They've taken over from the drivers, they're very helpful,
0:25:53 > 0:25:56they stop where ever you want them to, not just at stops.
0:25:56 > 0:26:01We'd be lost without these buses and these lovely drivers now.
0:26:01 > 0:26:03Very friendly.
0:26:03 > 0:26:07What about the volunteers? What's in it for them?
0:26:07 > 0:26:10It's absolutely everything I expected it to be.
0:26:10 > 0:26:12Great fun driving the buses,
0:26:12 > 0:26:15wonderful people that we meet out on the route, and providing
0:26:15 > 0:26:19a good service in the area as well, so it's all I wanted to be.
0:26:19 > 0:26:21And in community-conscious Cowes,
0:26:21 > 0:26:25there's been no shortage of willing volunteers.
0:26:25 > 0:26:28Originally, we only were looking for five or six volunteers
0:26:28 > 0:26:32so to get 30 volunteers to come forward, to want to be involved,
0:26:32 > 0:26:36to see the scheme grow was really, really positive.
0:26:37 > 0:26:39So meet Stuart Ellis,
0:26:39 > 0:26:43the latest rural recruit to the people's bus-driving army.
0:26:43 > 0:26:45Stuart is about to sit his test,
0:26:45 > 0:26:50and instructor Glenn Crawford is giving him some last-minute advice.
0:26:50 > 0:26:53Be aware you're going to get kids coming out of the school,
0:26:53 > 0:26:55walking in front of you without thinking.
0:26:57 > 0:27:02As you can see, in 100 yards or so, you're going to go into a 40,
0:27:02 > 0:27:06so just build it up and now push it on a little bit further,
0:27:06 > 0:27:11so that you're getting nearer to the speed limit, by progressing.
0:27:11 > 0:27:15Well, I feel Stuart is progressing very well at the moment.
0:27:15 > 0:27:19Nervous at first but then everybody is. He's doing very well.
0:27:19 > 0:27:24He just needs to build the confidence up, start to progress a little bit
0:27:24 > 0:27:28quicker along the main roads, a little bit more observation here
0:27:28 > 0:27:32and there, but his progression is very good at the moment, I find.
0:27:32 > 0:27:35So how come Stuart has taken on all this responsibility?
0:27:35 > 0:27:38I mean, after all, he's not making any money out of it.
0:27:38 > 0:27:41I came on board and wanted to be a trainee bus driver, to put
0:27:41 > 0:27:43something back into the community.
0:27:43 > 0:27:47Often, everyone takes out of the community but doesn't put it back.
0:27:47 > 0:27:51But if these buses didn't run, a lot of the community wouldn't be able to get out.
0:27:51 > 0:27:53It's important that we've got this service up and running
0:27:53 > 0:27:56and we keep it up and running,
0:27:56 > 0:28:00so that the elderly in the community can get out, and also the disabled.
0:28:00 > 0:28:02They don't have a chance to get out all that often.
0:28:02 > 0:28:05It's very important to the community.
0:28:05 > 0:28:08So on the surface, it appears to be the perfect example
0:28:08 > 0:28:12of a fight back by the losers in the postcode lottery.
0:28:12 > 0:28:14But one doubt remains in my mind.
0:28:14 > 0:28:18What about the original bus drivers who've lost their jobs?
0:28:18 > 0:28:22The drivers who were previously employed by Wight Bus
0:28:22 > 0:28:25have been transferred over to the Southern Vectis bus company
0:28:25 > 0:28:29so there has been no loss of jobs, which I'm very pleased about.
0:28:29 > 0:28:33It is sustainable, so long as we can keep the volunteer drivers coming forward.
0:28:33 > 0:28:36That's the key to it, to have sufficient volunteer drivers.
0:28:36 > 0:28:39Some of the routes have started off without enough volunteer drivers.
0:28:39 > 0:28:42We are recruiting more, and if we can get more
0:28:42 > 0:28:45I very much hope that we can continue it in the long term.
0:28:45 > 0:28:49Aye, aye, I think the people of Cowes might be onto something here
0:28:49 > 0:28:52with their Big Society volunteer service,
0:28:52 > 0:28:55and I can see potential to expand the idea.
0:28:55 > 0:28:57We could have volunteer coach drivers,
0:28:57 > 0:29:03volunteer train drivers, volunteer Tube drivers, even volunteer pilots.
0:29:03 > 0:29:07No, pilots, that was a stupid idea. Scrub that last one.
0:29:16 > 0:29:20Our next example of postcode lottery madness is one close to my heart.
0:29:20 > 0:29:26You see, I've had diabetes for so long now I think God was a boy when I got it.
0:29:26 > 0:29:29If you're a type I diabetic like me, it means you have to do
0:29:29 > 0:29:32regular injections and trust me, they're a pain in the proverbial.
0:29:32 > 0:29:36But there's an ingenious little device out which will save us
0:29:36 > 0:29:38from having to do these.
0:29:40 > 0:29:45So, we're off to Folkestone in Kent to meet one family who've had to battle the bureaucrats.
0:29:45 > 0:29:50Jen McKenzie is a busy mum of three who's been living with diabetes
0:29:50 > 0:29:53since she was four years old.
0:29:53 > 0:29:57She's spent years laboriously and painfully taking her own blood sugar levels
0:29:57 > 0:30:02and injecting herself with insulin, a minimum of four times a day.
0:30:02 > 0:30:05It's something that she has no choice about.
0:30:05 > 0:30:10Type I diabetes is an autoimmune condition, and the body
0:30:10 > 0:30:14gets a bit confused and destroys the cells that produce insulin.
0:30:14 > 0:30:17You need insulin to regulate your blood sugar,
0:30:17 > 0:30:23to allow you to use the sugars you've got in your blood as energy.
0:30:23 > 0:30:26Without it, you die.
0:30:26 > 0:30:30So imagine Jen's joy when she was recently prescribed
0:30:30 > 0:30:33with the latest breakthrough in diabetes treatment,
0:30:33 > 0:30:37an automated insulin pump that completely took away the need for injections.
0:30:39 > 0:30:43After 30 years of doing lots of injections a day,
0:30:43 > 0:30:45to go onto a pump where
0:30:45 > 0:30:49I have to do a set change every two to three days is just marvellous.
0:30:49 > 0:30:53The pump automatically drip feeds the right amount of insulin
0:30:53 > 0:30:56into the body minute by minute.
0:30:56 > 0:31:00And it's one of the biggest breakthroughs in diabetes treatment
0:31:00 > 0:31:05since the first insulin injection was given 90 years ago.
0:31:05 > 0:31:07The pump has transformed the quality of Jen's life.
0:31:07 > 0:31:10BEEP And that's done.
0:31:10 > 0:31:14It also gave her and husband Stewart further hope.
0:31:14 > 0:31:18Jen and Stewart have three daughters, Harriet, Faith and Erin.
0:31:18 > 0:31:21So imagine how they felt when doctors told them
0:31:21 > 0:31:24that eight-year-old Harriet
0:31:24 > 0:31:27and five-year-old Erin also had type I diabetes.
0:31:27 > 0:31:29I cried like I had lost Erin.
0:31:29 > 0:31:33She was 25 months old and she was a baby
0:31:33 > 0:31:37and I didn't want to have to give her injections.
0:31:38 > 0:31:42And then when Harriet was diagnosed, I stopped crying
0:31:42 > 0:31:46because she was big enough to understand, so I had to be strong.
0:31:46 > 0:31:51When you have children, you don't want their lives to be difficult,
0:31:51 > 0:31:56you want them to lead good, happy, fulfilled lives
0:31:56 > 0:31:59and you want things to be easier for them.
0:31:59 > 0:32:02Following their diagnosis and just like Jen,
0:32:02 > 0:32:05Harriet and Erin had to be injected with insulin day and night,
0:32:05 > 0:32:09to keep their blood sugar within safe levels.
0:32:09 > 0:32:12It was horrible. Erin used to hide, run away.
0:32:13 > 0:32:18Harriet was, "I'm going to the toilet." "Come along, Harriet."
0:32:18 > 0:32:21"No, I'm going." She just didn't want to come down.
0:32:21 > 0:32:26But giving a little one an injection in her bottom in the middle of the night was just...
0:32:26 > 0:32:30I remember one time she screamed and the needle came out.
0:32:30 > 0:32:33Oh, God, that was awful that time. Do you remember?
0:32:34 > 0:32:36And it's not just the injections.
0:32:36 > 0:32:40Preventing hypoglycaemia, or hypos - that's when a diabetic's
0:32:40 > 0:32:45blood sugar levels fall dangerously low - requires 24-hour attention.
0:32:45 > 0:32:49We kept waking them up during the night, giving them biscuits
0:32:49 > 0:32:53and milk to deal with hypos because that's what we were told to do then.
0:32:53 > 0:32:56And they were putting on quite a bit of weight.
0:32:56 > 0:33:00'We were just feeding them up endlessly with extra calories.'
0:33:00 > 0:33:05I think maybe after a cake, a piece of fruit would be a better idea.
0:33:05 > 0:33:09'So all of your healthy-eating rules which you follow during the day,'
0:33:09 > 0:33:12and then you spoil it all because you need to stop them from going hypo.
0:33:12 > 0:33:15Trying to wake up a child that young in the middle of the night
0:33:15 > 0:33:19- and getting them to eat a packet of biscuits isn't easy.- No, it's not.
0:33:19 > 0:33:21It's like force-feeding someone.
0:33:21 > 0:33:24Unsurprisingly then, Jen decided that if her children could
0:33:24 > 0:33:30also be given insulin pumps, their lives would also be transformed.
0:33:30 > 0:33:34But when she tried to get the pumps, she soon discovered that her family
0:33:34 > 0:33:38were the victims of a bizarre and complicated postcode lottery.
0:33:38 > 0:33:39I was very lucky, I got mine
0:33:39 > 0:33:45because they had just started giving pumps to adults in our area.
0:33:45 > 0:33:49But the paediatric doctor didn't believe that pumps
0:33:49 > 0:33:52were suitable for preschool children.
0:33:52 > 0:33:54The last time we saw the paediatrician in this area,
0:33:54 > 0:33:58he had gone from saying they're not suitable for preschool children...
0:33:58 > 0:34:01the last excuse is that I wouldn't manage -
0:34:01 > 0:34:05I personally, wouldn't be able to manage my own diabetes
0:34:05 > 0:34:07and two children on a pump.
0:34:07 > 0:34:11Wouldn't be able to manage? What are you talking about?
0:34:11 > 0:34:14Jen has been injecting herself, Harriet and Erin
0:34:14 > 0:34:1824/7 for years now. In what universe wouldn't she be able to manage
0:34:18 > 0:34:21a miracle machine that would put an end to all that?
0:34:21 > 0:34:24Pull the other one, it's got bells on it.
0:34:25 > 0:34:30But apparently, the kind of backward thinking the McKenzies
0:34:30 > 0:34:32were having to put up with is quite normal.
0:34:32 > 0:34:35According to the diabetes charity, INPUT,
0:34:35 > 0:34:39some consultants will say anything to deny insulin pumps to patients.
0:34:39 > 0:34:44My favourites are - pumps aren't available for sporty kids,
0:34:44 > 0:34:47pumps aren't suitable for sporty kids,
0:34:47 > 0:34:50your primary care trust won't pay for one.
0:34:50 > 0:34:52Yeah, righto, we've heard that one before.
0:34:52 > 0:34:56My all-time favourite is, if we gave you one, everyone would want one.
0:34:56 > 0:34:58Yeah?
0:34:58 > 0:35:02But I'm delighted to report that Jen was not going to be put off
0:35:02 > 0:35:05by one consultant and a postcode lottery.
0:35:05 > 0:35:09She discovered that a nearby primary care trust WAS prescribing
0:35:09 > 0:35:11insulin pumps to children.
0:35:11 > 0:35:15Stay still, babes, yeah? I need to change your battery.
0:35:15 > 0:35:17She also discovered that in England,
0:35:17 > 0:35:21a policy called Patient Choice would allow her to shop around
0:35:21 > 0:35:25other PCTs for an insulin pump as long as she had her GP's backing.
0:35:27 > 0:35:32We got around the postcode lottery, if you like, by using Patient Choice
0:35:32 > 0:35:37to go to a different area that was pro-paediatric pump.
0:35:37 > 0:35:40We went and we said, could we have them, and they assessed us
0:35:40 > 0:35:43and thought we were good candidates.
0:35:43 > 0:35:48So we were really lucky that our GP agreed to send us
0:35:48 > 0:35:52out of area to see a paediatric diabetologist rather than
0:35:52 > 0:35:56the paediatrician that manages diabetes in our area.
0:35:56 > 0:36:00Jen lives in England so has access to Patient Choice.
0:36:00 > 0:36:02The rest of the UK doesn't.
0:36:02 > 0:36:05So, it's hats off to the McKenzies for playing the system
0:36:05 > 0:36:07and beating it.
0:36:07 > 0:36:13The pumps for us as a family have been liberating, life-changing
0:36:13 > 0:36:17and completely fantastic.
0:36:17 > 0:36:21We love them and they're part of us.
0:36:21 > 0:36:23How corny does that sound?
0:36:23 > 0:36:25But they are part of us.
0:36:26 > 0:36:32Pumps are really fantastic. They make our lives so much easier!
0:36:33 > 0:36:35We're out pretty much all the time.
0:36:35 > 0:36:39We can turn our insulin down so I don't have to worry
0:36:39 > 0:36:44about topping all three of us up with carbohydrates,
0:36:44 > 0:36:48when we're walking up the side of a hill or something silly.
0:36:48 > 0:36:51It's just given us so much more freedom.
0:36:53 > 0:36:57We don't have to have an injection every day.
0:36:57 > 0:37:02I can eat whatever I want, at any time.
0:37:02 > 0:37:06We still have hypos and we still have highs, but they're much more easy
0:37:06 > 0:37:08to deal with, and not as severe as they were before.
0:37:08 > 0:37:11So because we can turn their insulin down,
0:37:11 > 0:37:16it means the hypos are far milder than they have been.
0:37:17 > 0:37:19Faith, the storm is coming!
0:37:19 > 0:37:21We'll surely get to shore!
0:37:24 > 0:37:26It's far more normal and routine
0:37:26 > 0:37:30and they get to enjoy being children more than they did before.
0:37:34 > 0:37:37It's difficult to put into words just how fantastic they are
0:37:37 > 0:37:40because we love them so much.
0:37:40 > 0:37:42We feel we cheated the postcode lottery
0:37:42 > 0:37:44because we used Patient Choice
0:37:44 > 0:37:47and we found a hospital that was pro-paediatric pump.
0:37:47 > 0:37:53Every diabetic I meet, I say, "Have you heard about pumping?
0:37:53 > 0:37:57"You really need to ask for one of these." And they're like, "What?"
0:37:57 > 0:38:00I say, "No, ask for one."
0:38:02 > 0:38:06Well done, Jen, you're an inspiration to all of us.
0:38:06 > 0:38:08You see, what Jen proves is that a bit of research
0:38:08 > 0:38:11and a lot of determination can go a long way
0:38:11 > 0:38:14when it comes to getting around those postcode lotteries.
0:38:22 > 0:38:26Earlier in the programme, we told you the story of Mark Bannister,
0:38:26 > 0:38:30a young father and former soldier left fighting for his dignity
0:38:30 > 0:38:33and his life by an NHS postcode lottery.
0:38:33 > 0:38:37Well, we have news of further developments in his case.
0:38:37 > 0:38:40Just before Christmas, Mark was informed that his tumour was
0:38:40 > 0:38:43not responding to treatment and that chemotherapy was being withdrawn.
0:38:43 > 0:38:46His last hope of receiving Avastin,
0:38:46 > 0:38:48the drug that could help prolong his life,
0:38:48 > 0:38:51was in the hands of East Midlands Strategic Health Authority.
0:38:51 > 0:38:56At the end of January, they gave their verdict on his final appeal.
0:38:56 > 0:39:01They...again have said that they won't change their minds,
0:39:01 > 0:39:03they won't approve it.
0:39:03 > 0:39:06In a document passed on to us by the family,
0:39:06 > 0:39:10East Midlands stated that their main reason for turning Mark down
0:39:10 > 0:39:13was that they still believed that Avastin's ability to prolong
0:39:13 > 0:39:16a patient's life hasn't been clinically proven,
0:39:16 > 0:39:20and that there's evidence that the side effects of the drug
0:39:20 > 0:39:22can outweigh the benefits.
0:39:22 > 0:39:24However, at the end of the four-page document,
0:39:24 > 0:39:27East Midlands go on to state that Mark should have taken
0:39:27 > 0:39:31the opportunity to move to a GP practice in Yorkshire and Humber,
0:39:31 > 0:39:35the neighbouring Health Authority, who do prescribe Avastin.
0:39:35 > 0:39:39The panel were perplexed, the letter reads, as to why this simple course
0:39:39 > 0:39:43of action was not taken, and gather that other patients have done this.
0:39:43 > 0:39:46It is a suggestion that the Bannisters say
0:39:46 > 0:39:50they find not only impractical but also morally offensive.
0:39:51 > 0:39:57To be honest with you, I was so upset. We were both angry and upset.
0:39:57 > 0:40:00My blood boiled when I read that.
0:40:00 > 0:40:05You had the opportunity to move surgeries before, but we wanted
0:40:05 > 0:40:09to fight to get Mark the drug the right way, the legal way.
0:40:09 > 0:40:13They never once said anything about changing surgeries.
0:40:13 > 0:40:15But in desperation, Mark and Karen
0:40:15 > 0:40:19have now taken the only option they believe was left open to them.
0:40:19 > 0:40:23Because Mark was getting symptoms of the tumour
0:40:23 > 0:40:28- and the health authority came back with another no...- It was, that's it.
0:40:28 > 0:40:32..we had no choice but to move surgeries.
0:40:32 > 0:40:37We got backed into a corner and had no option basically, that was it.
0:40:37 > 0:40:41But as a result, Mark is now finally receiving Avastin.
0:40:41 > 0:40:47As soon as I told my oncologist that I have moved my surgery,
0:40:47 > 0:40:51she put the appropriate paperwork in
0:40:51 > 0:40:54and I got a phone call 48 hours later, is that right?
0:40:54 > 0:40:57- Yeah, that it had been approved. - It had been approved.
0:40:57 > 0:41:00And a week later, I was on my drug.
0:41:00 > 0:41:02Amazing, I couldn't believe it.
0:41:04 > 0:41:07It's a bittersweet success for the Bannisters.
0:41:07 > 0:41:10I feel that they're promoting it, that's what you should do.
0:41:10 > 0:41:15Just simply hop to the other side where it'll get funded.
0:41:15 > 0:41:21But again, you're using the Yorkshire and Humber Cancer Drug Fund
0:41:21 > 0:41:23which is intended for that area.
0:41:24 > 0:41:28- But...- But what choice do you have?
0:41:28 > 0:41:30What choice indeed?
0:41:30 > 0:41:33When one trust is openly telling a terminally ill patient
0:41:33 > 0:41:38to move to another trust to get the drugs they're seeking,
0:41:38 > 0:41:41it clearly points to a healthcare postcode lottery at work
0:41:41 > 0:41:43that leaves a bad taste in the mouth.
0:41:43 > 0:41:47We received the following statement from East Midlands:
0:42:00 > 0:42:03And as for the suggestion that Mark should move GP, the statement says:
0:42:17 > 0:42:21I think they might be missing the point here - or ducking it.
0:42:21 > 0:42:25That's all we've got time for, but there are plenty more scandals
0:42:25 > 0:42:28out there and some of them are stinkers!
0:42:28 > 0:42:29On tomorrow's programme:
0:42:29 > 0:42:32We bring you the heartbreaking postcode lottery
0:42:32 > 0:42:33of our homeless heroes.
0:42:33 > 0:42:38I get anxious, and start shaking.
0:42:38 > 0:42:42We fill you in on the pothole postcode lottery.
0:42:42 > 0:42:46We're not a Third World country, we're England, we're British.
0:42:46 > 0:42:47We're supposed to have good things.
0:42:47 > 0:42:50And be careful where you step.
0:42:50 > 0:42:53It's the dog poo postcode lottery.
0:42:53 > 0:42:56Stay lucky in the postcode lottery. And if you keep watching,
0:42:56 > 0:42:59you'll definitely improve your chances of winning.
0:43:20 > 0:43:24Subtitles by Red Bee Media Ltd