:00:00. > :00:13.The flooded out, how well would you be covered? With one in six homes
:00:14. > :00:16.now at risk from flooding, we investigate house insurance and meet
:00:17. > :00:25.one man whose insurance has rocketed. The insurance was going up
:00:26. > :00:32.from 162 ?3500. She killed three men, we have the story of how Joanna
:00:33. > :00:38.Dennehy was finally caught. They asked have you got anything to say
:00:39. > :00:43.and she did a tap dance and was singing singing in the rain. And
:00:44. > :00:48.couples tell us how inheriting a retirement home is a financial loser
:00:49. > :00:52.and not a windfall. Revealing the stories that matter closer to home,
:00:53. > :01:06.this is Inside Out for the East of England.
:01:07. > :01:16.Tonight, Inside Out is in Essex. One in six households are now considered
:01:17. > :01:21.to be at risk from flooding. Across the East, people have been dealing
:01:22. > :01:25.with the aftermath and hoping the insurance companies will cover the
:01:26. > :01:29.damage but can insurance companies cope with the exceptional demand?
:01:30. > :01:36.Alex has been catching up with victims of flooding over the last
:01:37. > :01:41.six months. This is what we woke up to find this morning. The water was
:01:42. > :01:44.flowing through the front door. Chris Woodward's house in
:01:45. > :01:47.Hertfordshire flooded just over a week ago. His insurance company's
:01:48. > :01:53.assessor arrives to look at the damage. They have moved out all the
:01:54. > :01:58.settees and the carpets it has just helped with the fact that it has got
:01:59. > :02:03.rid of some of the smell now. Work will get under way as soon as quotes
:02:04. > :02:06.are agreed on. Have you ever been flooded before have you had problems
:02:07. > :02:13.before have you had problems since you lived here? No. Has it ever come
:02:14. > :02:17.close? He's just at the beginning of a journey hundreds of people are
:02:18. > :02:20.about to embark on. Over the last few months the country has
:02:21. > :02:22.experience some of its worst flooding with more bad weather
:02:23. > :02:25.forecast. Although we're not the worst hit region there are many
:02:26. > :02:31.places where repairing the damage has become an impossible situation.
:02:32. > :02:34.To find out how people are getting on with their insurance claims, we
:02:35. > :02:41.went to see people who were flooded six months ago.
:02:42. > :02:51.This was Rayleigh and Hockley in Essex during the August Bank
:02:52. > :02:58.Holiday. Within eleven minutes, Graham Phillips' home was flooded.
:02:59. > :03:04.But this was only the start of his problems and six months after he and
:03:05. > :03:11.his family moved out they are still waiting to return home. The whole of
:03:12. > :03:15.the ground floor had the water up to knee level. This was the kitchen and
:03:16. > :03:19.all the base units were completely destroyed the wall had to have the
:03:20. > :03:23.plaster taken off. The door frames have gone the doors have gone. The
:03:24. > :03:29.hallway had to have the plaster taken off. The downstairs toilet is
:03:30. > :03:37.a completer wreck. You come into the lounge got all the plaster off. And
:03:38. > :03:42.this is six months on ` nothing is happening. We are stuck in a place
:03:43. > :03:46.where we don't want to be. It is now February and his insurer More than
:03:47. > :03:49.has not made much progress. The house was dried out within three
:03:50. > :03:55.months and work should have started instead it is still a building site.
:03:56. > :03:59.The builder put the quote in they questioned that we put our quote in
:04:00. > :04:02.for the contents they have questioned that it has taken us
:04:03. > :04:06.months and months to get anything written down or give us any money
:04:07. > :04:10.for anything. We can't move on until we know how much they will give us
:04:11. > :04:16.to pay for things. I wanted to know from the Association of British
:04:17. > :04:19.Insurers how this could happen. There will always be the odd case
:04:20. > :04:22.where you think things haven't gone quite as well as it should have
:04:23. > :04:26.done. Certainly that insurer should have been there for the customer to
:04:27. > :04:30.work with the customer and try and get it resolved more quickly. The
:04:31. > :04:33.fact remains they have been out of their house for six months do you
:04:34. > :04:37.think that is acceptable? Well in many cases of course you can be out
:04:38. > :04:41.of your property for at least six months the severity of flooding can
:04:42. > :04:45.sometimes be such that it can be weeks and weeks for a property to
:04:46. > :04:48.dry out before the work can even start to be repaired. But in this
:04:49. > :04:52.case that property was dried out it was just the fact that insurance
:04:53. > :04:56.company were arguing what they would pay for. The insurance company needs
:04:57. > :05:00.to work with the customer to make sure the customer can be in as soon
:05:01. > :05:04.as possible. And certainly I would like to take the details of that on
:05:05. > :05:07.my side. While people like Graham Phillips are wrangling with their
:05:08. > :05:10.insurance company others are faced with premiums they simply can't
:05:11. > :05:16.afford if they can get insurance at all. Peter Plummer feels under
:05:17. > :05:25.siege. His home in Rawreth in Essex is constantly being flooded. I would
:05:26. > :05:35.rather do this than get my property ruined. It is a pain. How often do
:05:36. > :05:39.you get flooded? We have been flooded 19 times in 13 years. His
:05:40. > :05:43.insurance premium rocketed to the point where he could no longer
:05:44. > :05:47.afford it The insurance was going to go up from ?160 to ?3.500 because it
:05:48. > :05:54.is now classed as a flood area." I can't pay that.
:05:55. > :06:03.Peter says he has heard of people having to be economical with the
:06:04. > :06:06.truth. Some of the people say we don't get flooded we get storm
:06:07. > :06:09.damage because then they can get insurance but it is actually
:06:10. > :06:18.flooding they tell lies to keep their insurance. And to try and keep
:06:19. > :06:30.his premiums down Peter daren't make claims and now does all his own
:06:31. > :06:33.repairs. All the floor was damaged when it dried out all the clothes
:06:34. > :06:44.went mouldy all the floors are new Who has paid? All of the furniture
:06:45. > :06:52.has been restored. Me, I have paid for it all. The last thing I want is
:06:53. > :06:55.for this to happen again. But there is a possible solution which could
:06:56. > :06:58.help people like Peter. There are plans for a scheme called Floodre
:06:59. > :07:05.which will guarantee affordable insurance in high risk areas. So
:07:06. > :07:08.what about people that can't afford higher insurance they have to be
:07:09. > :07:14.economical with the truth and in some cases they are uninsured what
:07:15. > :07:17.would you say to them? This is exactly why the industry as
:07:18. > :07:22.developed Floodre which will help these people. What Floodre can deal
:07:23. > :07:25.with is flooding up to quite a catastrophic level of flooding we
:07:26. > :07:29.know it could protect something like 200,000 and 500,000 homes provide
:07:30. > :07:39.them with the peace of mind that they have affordable flood cover. We
:07:40. > :07:42.are fully committed to making it work.
:07:43. > :07:46.The problem is that it won't be available for another year and the
:07:47. > :07:51.details are still being sorted out ` until then people will be at the
:07:52. > :07:54.mercy of the market. Where there may be some people beginning to find
:07:55. > :07:57.affordability issues and there may be some people who can't actually
:07:58. > :08:02.find insurance that is exactly what flood re is for it is just a fact of
:08:03. > :08:06.life it is a complex operational and a complete project and it will need
:08:07. > :08:09.that amount of time for it to be implemented. We can't bank on the
:08:10. > :08:13.weather improving any time soon but it is hoped the changes will offer
:08:14. > :08:18.some resolution until then things will continue to be difficult.
:08:19. > :08:21.Graham has finally received his cheque from his insurance company
:08:22. > :08:29.More than and work can begin. But he is still angry. I have written
:08:30. > :08:33.letters, I have made phone calls I have written emails I don't expect
:08:34. > :08:36.an apology. I don't think they care they just want to do everything as
:08:37. > :08:40.cheaply as possible doesn't matter how much you have spent on your
:08:41. > :08:46.house over 30 years you have owned it they just want to do it cheaply.
:08:47. > :08:50.My wife and my two kids won't come back they are that desperate to get
:08:51. > :08:54.it back it upsets them to see it and unfortunately as I am the one who
:08:55. > :09:08.comes down and looks after it but they won't. They are not in a good
:09:09. > :09:12.place. So we contacted More than it said: In the case of Mr Phillips
:09:13. > :09:15.delays had been caused as it waited several weeks for the building
:09:16. > :09:19.repairs to be approved. It told us delays customers had in reaching it
:09:20. > :09:22.were due to an employee mistake and since then it has changed things.
:09:23. > :09:52.And it has apologised. If you want to get hold of me, you
:09:53. > :09:58.can send me a tweet or e`mail. You are watching Inside Out. Still to
:09:59. > :10:02.come: It should have been a windfall so how did inheriting a home for the
:10:03. > :10:10.over 55s become a financial millstone? It has been stressful and
:10:11. > :10:13.emotional. Especially for my wife, after her mother died. The last
:10:14. > :10:19.thing you want is something like this to happen.
:10:20. > :10:25.Joanna Dennehy was described as a monster by her own family. She
:10:26. > :10:28.murdered three men and try to kill two others. Last week her
:10:29. > :10:33.accomplices were found guilty of helping to cover her tracks. Anthony
:10:34. > :10:41.Bartram tells the story of how she was finally caught. Some viewers may
:10:42. > :10:45.find this report distressing. Triple killer Joanna Dennehy's crimes were
:10:46. > :10:50.played out in court but the plot from a horror film. Until last
:10:51. > :10:55.April, she had never been to Hereford. An unlikely backdrop for
:10:56. > :10:59.the final terrifying scenes of her violent rampage. She had already
:11:00. > :11:04.murdered three men in nine days in Peterborough and came to the city to
:11:05. > :11:11.kill more. She wanted to kill nine people. She said, I have to do nine.
:11:12. > :11:17.That is the number of people. She was telling Gary she wanted to be
:11:18. > :11:21.like Bonnie and Clyde. For the first time we hear from the man Dennehy
:11:22. > :11:25.forced to go along for the ride as she stalked and stabbed two more
:11:26. > :11:34.victims. The police commander who had to stop her. Your heart is in
:11:35. > :11:39.your mouth, you are worried. We have already had two stabbings. How many
:11:40. > :11:44.more will there be? Dennehy wasn't alone, Gary Stretch was her drive
:11:45. > :11:50.and accomplice. Here they are holding hands at Strensham Services
:11:51. > :11:54.on the M5. It is just before 9am on April the 2nd. The first sign the
:11:55. > :12:01.pair were heading west. Gary Stretch had contacts in the Herefordshire
:12:02. > :12:10.town of Kington. For local man la `` Mark Lloyd today he would never
:12:11. > :12:15.forget. I walked into the front room and Gary was there staring at me. I
:12:16. > :12:30.thought, what the hell am I going to do? Came right in front of me, she
:12:31. > :12:36.said, you must be marked. Gary is my driver. I have killed people and I
:12:37. > :12:41.want to kill more. Mark had never met Dennehy but new Gary Stretch
:12:42. > :12:46.through a friend. He insists he had no idea the two fugitives were there
:12:47. > :12:52.and played no part in their murderous plans. He says he was
:12:53. > :12:55.forced to go with them, initially believing they wanted his help to
:12:56. > :13:01.turn the proceeds of a burglary into ready cash. Gary is in the driving
:13:02. > :13:07.seat and she was by the front door and I thought, you could go right
:13:08. > :13:12.now. I thought, this girl is highly agitated. She was hopping up and
:13:13. > :13:16.down like a dog. I thought, if I do not go in that car, they will be
:13:17. > :13:22.extremely angry. These bizarre photos were taken at the time.
:13:23. > :13:30.Dennehy flashes her bra, revealing self harming scars and eight `` and
:13:31. > :13:36.a disturbing state of mind. Was he under her control? You could say
:13:37. > :13:44.that. He did what he was asked. He did not do it with free will. She
:13:45. > :13:50.was not holding a knife to him or anything. He wanted to please her.
:13:51. > :13:55.By 3:30pm, they were in Hereford. More CCTV pictures showed Dennehy
:13:56. > :13:59.and Mark Lloyd buying tobacco. She sticks close to him in the shop.
:14:00. > :14:08.Walked into the shop, I am thinking, she is going to mug the girl behind
:14:09. > :14:14.the till. She asked her to turn around. I thought, OK, got through
:14:15. > :14:23.that one. I got back in the car. I had to convince these two I was on
:14:24. > :14:30.their sides. He was right to be scared. The retired local fireman
:14:31. > :14:36.Robin Bereza had been walking his dog when Gary Stretch spotted him.
:14:37. > :14:44.The 68`year`old was no maps `` match for Dennehy. I saw the man walking
:14:45. > :14:52.with the dog. Gary slammed the brakes on. 15, 20 stab wounds. I am
:14:53. > :15:00.sat in the car thinking, I am screaming blue hell at Gary He hit
:15:01. > :15:06.me hard on the shoulder. She got back in the car and kissed Gary on
:15:07. > :15:15.the cheek and said, thank you for that. Initial reports to the police
:15:16. > :15:23.were sketchy but one crucial detail from the victim. He told us Joanna
:15:24. > :15:29.Dennehy had a distinctive tattoos on her cheek. Officers made the
:15:30. > :15:33.association between the earlier incidents in Cambridge.
:15:34. > :15:38.Superintendent greases officers on the ground about the suspects. A
:15:39. > :15:42.trauma doctor is already flying to the scene in the air ambulance. A
:15:43. > :15:47.call comes in that there had been another one. To get multiple
:15:48. > :15:52.casualties over a very short period of time, the anxiety was very much
:15:53. > :15:56.that this would turn into what we call a marauding event where someone
:15:57. > :16:01.is going out repeatedly attacking more and more people. It starts to
:16:02. > :16:08.overwhelm the services available. The two attacks 19 minutes and a few
:16:09. > :16:12.streets apart. 56`year`old John Rogers had been walking his dog and
:16:13. > :16:20.fitted the profile Dennehy wanted. Gary said, he will do. Gary parked
:16:21. > :16:26.up by a bus stop. The bloke had his back to her. I felt what I thought
:16:27. > :16:33.was a really heavy punch in the small of my back. When I turned
:16:34. > :16:41.around, I saw this woman and she just kept stabbing me in the chest.
:16:42. > :16:46.This man tried fighting back but it was a frenzy. Could you hear what
:16:47. > :16:53.she was saying? She was saying, more, more. She also said, look,
:16:54. > :17:01.you're bleeding. I had better do some more. I think I said, just
:17:02. > :17:09.leave me alone, please. Lees, leave me alone. She didn't. She carried
:17:10. > :17:15.on. `` please. Superintendent Powell had everyone on the ground they
:17:16. > :17:22.could muster. She casually went for a walk with John Rogers's job giving
:17:23. > :17:26.Mark Lloyd and Gary Stretch the chance to bailout. And police found
:17:27. > :17:31.her sitting alone in the car. She was arrested without a struggle.
:17:32. > :17:37.Mark Lloyd was arrested soon after. She was arrested and taken into
:17:38. > :17:40.custody with me. The last thing are member was she broke into a tap
:17:41. > :17:48.dance and was singing Singing in the Rain. That was the last I saw of
:17:49. > :17:54.her. At 5:45pm, Gary Stretch gave himself up to and officers in
:17:55. > :18:03.Almeley village. The rampage was over half an hour after it began. It
:18:04. > :18:07.was several days before John Rogers and Robin Bereza were out of danger.
:18:08. > :18:12.It has changed my outlook a little bit. I think you have got to make
:18:13. > :18:18.everything of everyday because you do not know. You could wake up in
:18:19. > :18:25.the morning and get run down by a bus. You do not know what is around
:18:26. > :18:31.the corner. I tried to make the best of everyday. Considering their
:18:32. > :18:35.horrific injuries, both men have made a remarkable recovery. Mark
:18:36. > :18:43.Lloyd still has nightmares about the serial killer. I do not sleep that
:18:44. > :18:50.night anymore. I am just glad she was guilty. I did not want to see
:18:51. > :18:55.her in court. `` I was just glad she pled guilty. She has since been
:18:56. > :18:58.diagnosed with a psychotic personality disorder and admitted
:18:59. > :19:03.the three Peterborough murderers and the Hereford stabbing spree. Gary
:19:04. > :19:13.Stretch denied being her willing accomplice but the jury found him
:19:14. > :19:17.guilty of attempted murder. As people get older, many are
:19:18. > :19:21.choosing to simplify their lives and move into a retirement home
:19:22. > :19:24.especially for the over 55s. We were contacted by viewers from
:19:25. > :19:31.Northamptonshire who inherited a property which turned into an
:19:32. > :19:36.expensive liability. Many people reach a time in life
:19:37. > :19:40.when they want to move to a smaller home. Retirement homes are sold as
:19:41. > :19:45.being the perfect place to live for older people. You have to be over 55
:19:46. > :19:49.and there are no worries about maintenance or looking after the
:19:50. > :19:54.garden. But these services come at a price. When the time comes to Selby
:19:55. > :20:00.home, some people are finding themselves tens of thousands of
:20:01. > :20:07.pounds out of pocket `` Selby home. Ann and Mike Johnson live in
:20:08. > :20:14.Apethorpe. Two years ago, and's mother died and left a property to
:20:15. > :20:19.them. They expected to sell it for ?125,000 but despite dropping the
:20:20. > :20:24.price by ?30,000 it has not sold. They are paying ?3000 a year in fees
:20:25. > :20:31.`` they dropped the price by ?13,000. I thought it would come to
:20:32. > :20:35.us and it would sell and then we had some money to enjoy from it. When
:20:36. > :20:40.you came to sell it, what obstacles did you face? It was just at a time
:20:41. > :20:48.when the property market was beginning to drop and everybody was
:20:49. > :20:53.having problems selling. But if you add that to the fact it was only
:20:54. > :21:00.over 55s, and it was leasehold, then it was not necessarily the most
:21:01. > :21:04.popular thing to buy. Like most retirement properties, their
:21:05. > :21:08.bungalow was leasehold. That means that someone else usually the
:21:09. > :21:11.developer owns the land and can charge the annual rent and
:21:12. > :21:20.maintenance. The property is on a fixed term lease. It has not been a
:21:21. > :21:23.problem to deal with. Apart from haemorrhaging money. That was the
:21:24. > :21:31.problem, really. There was ground rent, maintenance and council tax.
:21:32. > :21:37.Altogether, probably came to about ?3000 a year. Changes designed to
:21:38. > :21:42.bring empty homes back into use have caught out people in Ann and Mike
:21:43. > :21:46.Johnson's situation. The government has changed the rules allowing
:21:47. > :21:53.councils to charge a higher council tax when a home has been empty for
:21:54. > :22:00.two years. Ann and Mike Johnson are faced with an annual council tax
:22:01. > :22:03.bill for ?1800 for an empty house they cannot sell. It is like a
:22:04. > :22:08.sledgehammer to crack a nut. They have a policy that they do not want
:22:09. > :22:11.them to policies. Fine, no problem with that. But if you have a
:22:12. > :22:18.property which is very difficult to sell, you are stuck with paying
:22:19. > :22:29.council tax forever, really, if you cannot sell it. Man `` Glenda
:22:30. > :22:36.Kerruish's mother died six years ago and the house has been on the market
:22:37. > :22:41.ever since. The view is stunning. She had been widowed for a very long
:22:42. > :22:45.time and moving to a retirement home or within the grounds of a
:22:46. > :22:54.retirement home seemed like a good thing to do. We pay out probably
:22:55. > :23:00.?5,000 a year. That is on maintenance charges, council tax. It
:23:01. > :23:07.has been six years. That is over ?30,000. I cannot keep doing it. It
:23:08. > :23:11.has been extremely stressful and emotional, particularly for my wife.
:23:12. > :23:17.After her mother died, the last thing you want is for something like
:23:18. > :23:21.this to happen. We really thought, it is such a lovely house, we really
:23:22. > :23:29.thought it would move very quickly. It hasn't. It was originally on the
:23:30. > :23:33.market further ?400,000. They dropped the price to ?250,000 last
:23:34. > :23:41.autumn. They are still waiting to sell it. It is very emotional, every
:23:42. > :23:49.time we passed by or every time I have to go over there. It makes me
:23:50. > :23:55.very, very sad. Our these people unlucky? According to official
:23:56. > :24:04.figures, prices have gone up. In the retired housing market though,
:24:05. > :24:09.prices have gone down. The biggest challenge is the fact it is the 55
:24:10. > :24:15.and overs market. You are ruling out a big sector of the market. You are
:24:16. > :24:20.only going at a small age group. Recently, bedroom retirement flats
:24:21. > :24:24.we have sold in and around Stanford at around ?85,000 were purchased new
:24:25. > :24:29.at around 110,000. That would probably be about six years ago.
:24:30. > :24:34.Slightly larger two`bedroom ones in the same development are now selling
:24:35. > :24:41.at around 95 to 100. Probably would have been purchased new for about
:24:42. > :24:45.125. Age UK offer advice about retirement housing and suggest that
:24:46. > :24:50.people take time and advice to understand what they are buying.
:24:51. > :24:53.Before making a decision that is. It is so important you look at the
:24:54. > :24:57.least because it is very hard to extract yourself from the lease once
:24:58. > :25:00.you have signed up to it. But it is white is really important anyone
:25:01. > :25:02.thinking about buying a retirement property and looking ahead and
:25:03. > :25:06.thinking about their family inheriting the property, they need
:25:07. > :25:13.to look at all of the clauses that might affect it the tee their
:25:14. > :25:18.ability to pass on the property or sell it. Is there a better way to do
:25:19. > :25:25.it? In America, they have the commonhold system. That means people
:25:26. > :25:29.own a share of the freehold so you do not have a lease. The lease
:25:30. > :25:34.system is something very unique to this country. If you have a lease,
:25:35. > :25:38.it has a diminishing value. If you have collective ownership of the
:25:39. > :25:41.freehold, it puts you in a much better position, particularly in
:25:42. > :25:46.terms of having control over managing agents. I think in this
:25:47. > :25:50.country there are so many vested interests in keeping it as it is, it
:25:51. > :25:55.is very difficult to have the system but it is very popular in the States
:25:56. > :25:58.and in Europe. It is a shame we do not have a similar system here
:25:59. > :26:01.because it would overcome a lot of these problems. We contacted the
:26:02. > :26:06.managing companies for both properties. The managers of the
:26:07. > :26:09.property of Glenda Kerruish at Belton House did not respond. But
:26:10. > :26:14.just a health care who manage Ann and Mike Johnson's Robidoux said...
:26:15. > :26:20.These are not investment opportunities. It is the duty of the
:26:21. > :26:27.solicitor to make any potential buyer aware of the terms of the
:26:28. > :26:30.lease. The government suggested that empty properties for sale would be
:26:31. > :26:35.exempt from the extra council tax but councils did not agree. Rutland
:26:36. > :26:39.council said... The council charge less than the maximum and the level
:26:40. > :26:45.of charges determined partly by the adverse impact that empty homes can
:26:46. > :26:51.have on communities. Meanwhile, the property market may be picking up.
:26:52. > :26:55.In the last two or three months, the general property market has picked
:26:56. > :27:02.up quite a lot. Both here and in other areas. Suddenly, we have found
:27:03. > :27:07.people saying, I want to buy this. The majority of our retirement
:27:08. > :27:10.properties have been sold. Ann and Mike Johnson have found a temporary
:27:11. > :27:14.solution for their property. We have managed to rent it out and the
:27:15. > :27:21.income from the rent will more than cover our costs and we will have a
:27:22. > :27:26.little bit extra to save up so that next time we want to sell it we will
:27:27. > :27:31.have something behind us so that if it takes a while to sell, we will
:27:32. > :27:35.not have to worry so much. Is it a good idea to buy these retirement
:27:36. > :27:39.homes? The experience we have had is that my mother`in`law absolutely
:27:40. > :27:44.loved being there and there was never a question at the time when
:27:45. > :27:48.she lived there of their being a possible problem later. It never
:27:49. > :27:53.crossed our minds. Knowing what we know now, I think our advice would
:27:54. > :27:57.be quite clearly think very carefully about buying a property
:27:58. > :28:02.such as this with the restrictions at the age restrictions, as they
:28:03. > :28:13.are. Don't buy it unless you are happy that you can finance it being
:28:14. > :28:20.empty for many years before selling. That is it from us. I hope you have
:28:21. > :28:28.enjoyed the programme. You can always send me a treat on Twitter or
:28:29. > :28:35.e`mail me `` send me a tweet. I will see you next week. Next week, I will
:28:36. > :28:37.be joining a new kind of flying Doctor above Cambridgeshire and
:28:38. > :28:42.finding out how they are already saving lives. If they did not act as
:28:43. > :28:48.fast as they did, I would not be here right now. Dying of ignorance,
:28:49. > :28:56.why our young people are once again at risk from AIDS. And we will be
:28:57. > :29:04.Hello, I'm Sam Naz with your 90 Norfolk's chalk reef.
:29:05. > :29:07.Hello, I'm Sam Naz with your 90 second update.
:29:08. > :29:11.An independent Scotland can keep the pound. That's the message from First
:29:12. > :29:14.Minister Alex Salmond who insists it's better for UK business. He
:29:15. > :29:18.accused Westminster parties of bullying for ruling out a shared
:29:19. > :29:22.currency. Full story at Ten. Ten million pounds is being promised
:29:23. > :29:25.by the PM to help small business hit by recent storms. Severe flood
:29:26. > :29:29.warnings on the Thames have been downgraded, but experts say water
:29:30. > :29:33.levels could rise again. A co-pilot from Ethiopian Airlines
:29:34. > :29:36.has hijacked his own plane. He took control when the other pilot went to
:29:37. > :29:39.the toilet. He asked for asylum after landing in Switzerland.
:29:40. > :29:42.He's set to become Italy's youngest-ever prime minister.
:29:43. > :29:43.39-year-old Matteo Renzi is promising many