:00:04. > :00:14.Hello, and welcome to Inside Out for 2013. I was thinking in my head,
:00:14. > :00:15.
:00:15. > :00:19.We add up the cost of one of Newcastle United's latest signings.
:00:19. > :00:23.I knew I couldn't pay it back but I never thought I was going to get it,
:00:23. > :00:27.and I was gobsmacked that I got it. We trace the roots of one of this
:00:27. > :00:35.region's forgotten athletic greats. It just feels so proud and I am
:00:35. > :00:41.thankful that at last his story has been able to be told. And capping
:00:41. > :00:45.of 2012, a year in the life of our very own 100 club. I fell in love.
:00:45. > :00:50.I bought a house. But now I am skint. We tried to keep the memory
:00:50. > :00:53.of stillborn child alive. Life is too short. Just live it.
:00:53. > :01:03.Stories from the heart of the north-east and Cumbria. This is
:01:03. > :01:17.
:01:17. > :01:19.After a Merry Christmas comes the hangover, and perhaps you paid for
:01:19. > :01:23.it using high interest short-term credit. From a payday loan company
:01:23. > :01:25.like Wonga. Now, but Wonga logo will soon be emblazoned across T-
:01:25. > :01:29.shirts of Newcastle United. It's controversial, because the company
:01:29. > :01:39.says it is offering a bright new alternative to the banks, but its
:01:39. > :01:39.
:01:39. > :01:46.critics say it is nothing more than a legal loan shark.
:01:46. > :01:50.They're a good company and they are looking to improve the club.
:01:50. > :01:57.Newcastle's a fantastic club. It's one of the iconic clubs of English
:01:57. > :02:00.football. It's a massive coup for Wonga. The deal with Newcastle
:02:00. > :02:03.United will launch the Wonga name around the world. Many Newcastle
:02:03. > :02:07.fans will not be concerned about what name is on the front of the
:02:07. > :02:09.team shirt, just as long as they are winning on the pitch, but for
:02:09. > :02:12.others, it is simply not acceptable that Newcastle's multi-million pan
:02:12. > :02:19.players will be earning money wearing a shirt making a product
:02:19. > :02:22.which it is claimed exploits the vulnerable poor. You do it out of
:02:22. > :02:26.desperation when you need it, and once the money has gone, that is
:02:26. > :02:29.when the trouble starts. The growth of Wonga is phenomenal. He did not
:02:30. > :02:32.even exist six years ago, yet now it is able to splash out millions
:02:32. > :02:38.sponsoring one of the biggest football clubs in the richest
:02:38. > :02:41.league in the world. Our goal is to reinvent credit for the 21st
:02:41. > :02:46.century and that means being transparent about the real cost of
:02:46. > :02:50.borrowing money, being upfront about that cost. No forms, no fuss,
:02:51. > :02:57.no meetings with the bank manager. Money in your account in 15 minutes.
:02:57. > :03:03.Easy, and if you are skint, oh, so tempting. To borrow �150, with the
:03:03. > :03:08.interest, I would be charged �51.51. Which would be a total repayment of
:03:08. > :03:14.�201.51. Stacey from Middlesborough says she borrowed a title of �400
:03:14. > :03:22.in three loans from Wonga. I was vulnerable. I had separated from
:03:22. > :03:26.the partner I was with. I wanted to just get away from all the stuff
:03:26. > :03:29.that was going on in my head, and the easy thing for me was get a
:03:29. > :03:33.loan, go shopping. Get some clothes, treat myself. But Stacey could not
:03:33. > :03:37.pay the loan back on time, and her problems started. Wonga tried to
:03:37. > :03:47.phone and I just ignored the phone, didn't answer none of it. And
:03:47. > :03:48.
:03:48. > :03:51.because of that, it went up from �400 to �788.24. Wonga froze her
:03:51. > :03:56.debt and two years on, she is paying it back at just over �8
:03:56. > :04:00.month. Stacey is one of more than one million people in the UK to
:04:00. > :04:03.have used Wonga, that is one in 60 of us. So what is it that appeals
:04:03. > :04:13.to people about payday loans and Wonga? Well, the first thing it
:04:13. > :04:13.
:04:13. > :04:18.does is it gives them access to many that the banks won't give them.
:04:18. > :04:20.-- money. If people still have needs for things like to repair a
:04:20. > :04:23.car, they need that money relatively quickly, and longer
:04:23. > :04:26.provides that. The mainstream banks do not. Wonga is competing in a
:04:26. > :04:29.crowded market place, up to 240 companies out there offering quick
:04:29. > :04:32.loans, not all of them on the high street. And they are targeting a
:04:32. > :04:35.new type of customer. Internet borrowers tend to be much younger.
:04:35. > :04:38.According to Wonga, almost 70 percent are under the age of 35.
:04:38. > :04:41.Most are single and two thirds do not have children. And it is
:04:41. > :04:44.growing at a remarkable speed. More than five million British adults
:04:44. > :04:50.are considering taking out a payday loan in the next six months. This
:04:50. > :05:00.includes one in four of all under 25s in this country. Wonga says it
:05:00. > :05:00.
:05:00. > :05:03.is going for a generation of people used to getting things fast. We're
:05:03. > :05:07.there for people who, by and large, have options, credit cards, bank
:05:07. > :05:10.accounts. You must have a bank account to receive a Wonga loan.
:05:10. > :05:13.And they are telling us in their droves that they are rejecting the
:05:13. > :05:16.overdraft model of the banks. They're choosing to use Wonga over
:05:16. > :05:21.some of these traditional longer- term commitments like credit cards.
:05:21. > :05:26.Sliders. That's how we roll here. You tell us how much you want, how
:05:27. > :05:29.long you want it for, and we tell you how much it is going to cost.
:05:29. > :05:31.They've spent heavily on a TV campaign, largely using daytime TV
:05:31. > :05:34.slots, which also raises interesting questions about the
:05:34. > :05:36.target market, because if they claim to be targeting those in
:05:36. > :05:39.employment, daytime TV would not necessarily capture those people.
:05:39. > :05:43.But they have certainly invested heavily, they have adopted their
:05:43. > :05:46.grannies campaign. The message behind that is, if someone elderly
:05:46. > :05:51.can understand the technology and the terms and conditions, then
:05:51. > :05:54.therefore anyone can. The clever marketing is paying off. In 2011,
:05:54. > :05:59.Wonga's profits went through the roof, up almost 270 percent on the
:05:59. > :06:08.previous year. That's despite charging a notional annual interest
:06:08. > :06:11.rate of more than 4,000 percent. Or, to put it Wonga's way, 1% a day.
:06:11. > :06:19.The APR alarms a lot of people but it is unrelated entirely to the
:06:19. > :06:22.actual cost of the service. We charge 1% interest per day. The
:06:22. > :06:27.average loan is actually about 16 days, so you are looking at about
:06:27. > :06:31.16 percent of interest, or �1.60 per 100 borrowed. But for some,
:06:31. > :06:34.however you break it down, Wonga's words just will not wash.
:06:35. > :06:39.Wonga.com - straight-talking money. With companies like Wonga, they're
:06:39. > :06:42.signing up to 4000% APR which is a huge amount og money. People who
:06:42. > :06:46.are in financial difficulty will always struggle to pay that back
:06:46. > :06:50.and will get themselves into a real mess with it. Unlike most other
:06:50. > :06:53.countries, we do not cap what these companies can charge, so that even
:06:53. > :06:56.if people manage to pay off their Wonga loan, they might well be
:06:56. > :06:59.taking out another loan to pay off That. And people get stuck in a
:06:59. > :07:03.cycle where they are borrowing to pay off borrowing and actually not
:07:03. > :07:06.being able to pay the basics that they need to do. Pamela Smith
:07:06. > :07:09.applied for a Wonga loan to pay for car repairs, knowing she had a poor
:07:09. > :07:13.credit rating. I am totally blacklisted. I cannot get... I
:07:13. > :07:18.can't even get gas meters changed from token meters to credit meters.
:07:18. > :07:22.That's how bad my credit is, because of my history. To go on
:07:22. > :07:26.there and get a loan and have it in the bank within... It was about six
:07:26. > :07:30.or seven minutes. The money was in the bank. Oh, easily. And I was
:07:30. > :07:33.gobsmacked that I got it, and I was thinking in my head, I put in for
:07:33. > :07:38.300, knowing I couldn't pay it back, but I never thought I was going to
:07:38. > :07:42.get it. I got a loan with Wonga a couple of months ago. It was my
:07:42. > :07:47.daughter's birthday, I had nothing. I must know at least 20 or 30
:07:47. > :07:51.people of my estate who have had a Wonga loan. And a lot of us are not
:07:51. > :07:57.working at the minute. You know, struggling. We do not always get it
:07:57. > :08:00.right. Our aim is to get it right as much as possible, and if someone
:08:00. > :08:02.has got genuine problems, and we try and help them. Shirt
:08:02. > :08:12.sponsorship at Newcastle United began in the 1980s. Typically, up
:08:12. > :08:16.
:08:16. > :08:21.to now, the Browns have had strong local ties. -- brands. But Wonga is
:08:21. > :08:24.different. It's no North East connection at all. It employs not a
:08:24. > :08:27.single person in the region. In fact, its headquarters are here in
:08:27. > :08:30.London, just around the corner from London Zoo. Wonga has evolved into
:08:30. > :08:33.one of the big beasts of personal finance. It's worth hundreds of
:08:33. > :08:42.millions of pounds. Wonga is moving into a region with high numbers of
:08:42. > :08:45.people experiencing financial difficulty. The Citizens Advice
:08:45. > :08:48.Bureau here in Newcastle is helping hundreds who are deep in debt.
:08:48. > :08:51.probably see about 15,000 debt problems year. This year, we reckon
:08:51. > :08:54.we are dealing with �20 million worth of debt and a lot of that
:08:54. > :08:57.will be payday loans. Government figures show the north-east has a
:08:57. > :09:00.higher personal bankruptcy rate in any other region in the country. 26
:09:00. > :09:03.percent struggle financially to make it to payday. Wonga says the
:09:03. > :09:06.deal with Newcastle United is not about winning more customers in an
:09:06. > :09:09.area with high levels of deprivation. If we wanted to target
:09:09. > :09:12.people specifically in the North East, there is a lot cheaper ways
:09:12. > :09:15.to do that. This is not about selling loans to anyone. Newcastle
:09:15. > :09:18.are part of the Premier League, which is the most viewed football
:09:18. > :09:21.league in the world, so it gives them access not only to a local
:09:21. > :09:24.audience but then a national one and therefore an international one
:09:24. > :09:28.as well and if they truly have global ambitions in the future, the
:09:28. > :09:31.fact that their name will be on show at over in East Asia by next
:09:31. > :09:34.year, it's them a very good head start. And Wonga needs to develop
:09:34. > :09:43.new markets, because the payday loan gravy train in the UK may be
:09:44. > :09:46.about to come to a grinding halt. And it is due in part to pressure
:09:46. > :09:49.in the House of Lords from this region's greatest Paralympian.
:09:49. > :09:53.wanted to put my name to an amendment to restrict what they
:09:53. > :09:56.were able to do, because they are making huge amounts of money out of
:09:56. > :09:59.people who really cannot afford it. There's a lot of talk in some
:09:59. > :10:01.European countries about an upper On what loan interest rates could
:10:02. > :10:04.be. If that was ever to be contemplated here, wouldn't that
:10:05. > :10:08.through your wholethis list model out the window? That's a very hard
:10:08. > :10:16.question to answer, because no one has defined what a Might look like
:10:16. > :10:23.or who it would affect. -- would and nut throwing your whole
:10:23. > :10:27.business model out of the window? No one knows what a cap might look
:10:27. > :10:30.like. What we are all four is better regulation of the sector,
:10:30. > :10:34.and better practices across credit and financing general. I do not
:10:34. > :10:37.think this is the End of the payday loan industry. I want them to
:10:37. > :10:41.operate in the way in which they do in other countries, where actually
:10:41. > :10:44.they do not cause these kind of problems, but in order for that to
:10:44. > :10:46.happen, we need to What these companies can charge. The amendment
:10:46. > :10:49.we've got through the Financial Services Bill will certainly help
:10:49. > :10:52.with that. I concern is obviously that is a power for the new
:10:52. > :10:56.regulator to use. It's not a definite that it is actually going
:10:56. > :11:00.to happen, and that power will not come into play until 2014, so I am
:11:00. > :11:03.now campaigning to make sure we get these caps in place a lot earlier.
:11:03. > :11:05.Wonga says it is beating the banks because it provides a fast, high-
:11:05. > :11:09.tech service not previously available. For some, it is the
:11:09. > :11:11.wrong rant in the wrong city. But Wonga is here to stay, despite the
:11:11. > :11:14.recession. Growing fast thanks to our continuing love affair with
:11:14. > :11:17.credit. If you have taken out a payday loan,
:11:17. > :11:20.it would be great to hear how you got on. You can share your
:11:20. > :11:26.experience by leaving a comment on my blog. Just go to
:11:26. > :11:31.bbc.co.uk/chrisjackson. He was one of the greatest ever
:11:31. > :11:37.British athletes, Arthur Wharton. He was the first ever professional
:11:37. > :11:41.black footballer. He was the world record holder at 100 yards. His was
:11:41. > :11:49.an illustrious career that history has all but air rushed it out,
:11:49. > :11:56.until now. It starts in a little fishing port
:11:56. > :12:01.in West Africa, in 1865. A boy is born. He became arguably the
:12:01. > :12:06.greatest sportsmen northern England has ever seen, but you have
:12:06. > :12:14.probably never heard of him. I just feel so proud of his achievements,
:12:14. > :12:18.and so thankful that last his story has been able to be told. He was
:12:18. > :12:24.the pioneer. He is a part of history. We all start somewhere,
:12:24. > :12:30.and we start with Arthur Wharton. This is what began the whole story.
:12:30. > :12:34.I found it in this old box that belonged to my mother. It is a
:12:34. > :12:40.photo of Arthur Wharton, who sheila Leeson believed to be a distant
:12:40. > :12:44.relative. She did not know it but he had a remarkable story. He was
:12:44. > :12:49.born in James Cant on the Gold Coast, now gone. His Scottish
:12:49. > :12:54.father was a Methodist preacher and his Ghanaian mother a troubled
:12:54. > :13:04.Princess. Arthur left for Britain to train as a preacher himself but
:13:04. > :13:07.
:13:07. > :13:14.he found his true calling in the Darlington is central to the story.
:13:14. > :13:19.It is where Arthur made his name. He played football for Darlington.
:13:19. > :13:24.He was a first class cricket to put an even better goalkeeper. He was a
:13:24. > :13:31.show man. He would swing on the crossbar and catch the ball between
:13:31. > :13:36.his knees. He also played for Middlesbrough, Rotherham... He was
:13:36. > :13:43.playing so well at Preston sign him. They were the Barcelona of their
:13:43. > :13:48.day. But that is just the tip of the iceberg. The world's first
:13:48. > :13:53.black professional footballer. British Cycling -- cycling champion,
:13:53. > :13:58.cricketer and rugby player. If we look at his sporting achievements
:13:58. > :14:03.in the context of the day, it would be like Usain Bolt turning up for
:14:03. > :14:08.what Manchester United on Saturday. If he was doing that, we were
:14:08. > :14:14.thinking the greatest athlete as ever lived. So why hasn't everyone
:14:14. > :14:24.heard of him? The reason is because he had a scandalous family secret.
:14:24. > :14:31.This is my mother. Also in the box was a picture of Arthur's sisters.
:14:31. > :14:39.This is after's father. Reverend Henry Wharton. Offer was married to
:14:39. > :14:46.the sister of Sheila's grandmother. The photo is of entire African
:14:46. > :14:54.family and a box of his personal belongings point to a closer link.
:14:54. > :15:03.In the box was his idol. I found these verses underlined. A thorn in
:15:03. > :15:10.the flesh. The messenger of Satan. For this thing I besought the Lord
:15:10. > :15:14.thrice. I think he's trying to tell me that he committed adultery. He
:15:14. > :15:19.had been with my grandmother three times and she had three children.
:15:19. > :15:23.It made it Shelagh realise why her grandmother was banished from the
:15:23. > :15:28.family. Because Arthur Wharton was actually the grandfather she never
:15:28. > :15:35.knew. Sheila is heading from her home in Yorkshire to Ghana. It is
:15:35. > :15:45.the last chance she will ever get to trace her family roots. It feels
:15:45. > :15:50.
:15:50. > :15:54.fantastic. I never thought I would be here. It says Reverend Henry
:15:54. > :16:03.Wharton Memorial Methodist Church. This is where Arthur's father,
:16:03. > :16:08.Henry Wharton, preached. Arthur, I think, in his later life, forgot
:16:08. > :16:13.about his religion. Because of his love affair, Arthur lost his family
:16:13. > :16:18.and then his celebrity status. He ended up as a miner near Doncaster,
:16:18. > :16:26.living in poverty. He had gone from being somebody well known and faded
:16:26. > :16:31.in the country to practically being a nobody, and he was buried in an
:16:31. > :16:41.unknown graves. An undignified end for a champion whose life had
:16:41. > :16:42.
:16:42. > :16:50.started so promisingly. This is the school that he attended. He was the
:16:50. > :16:54.first man to run 100 yards in ten seconds. He was also the first
:16:54. > :16:59.black professional footballer in England and therefore in the world.
:16:59. > :17:05.But hardly any of the current pupils have heard of an illustrious
:17:05. > :17:10.performer one. The discovery of Arthur Wharton as an old boy is so
:17:10. > :17:16.wonderful. We would like to emulate him, followed in his footsteps. It
:17:16. > :17:22.makes me feel proud of my school, of gone and Africa. Shaun
:17:22. > :17:28.Campbell's mission was to get recognition for Arthur Wharton, too.
:17:28. > :17:32.First through a statue. When I first decided to run a campaign, I
:17:32. > :17:37.wondered how many statues there were two black British achievers
:17:37. > :17:42.out there. It took two-and-a-half months to find one. He will
:17:42. > :17:47.eventually unveiled a 17 ft high a statue. Until then, he's small
:17:47. > :17:54.replicas have been bought by football's most powerful
:17:54. > :18:01.organisations. We have won at Wembley Stadium, one at FIFA or.
:18:01. > :18:06.England and UEFA. We can go through lists of footballers. David Beckham,
:18:07. > :18:12.George Best, Bobby Moore... The any footballer with a statue in the
:18:12. > :18:16.highest places of world football is Arthur Wharton. The statue is only
:18:16. > :18:21.one part of it. The rest is about spreading the word. He has the ear
:18:21. > :18:26.of the British High Commission. He has the ear of local dignitaries.
:18:26. > :18:30.And he has even blacked his way onto national television. Ghana has
:18:30. > :18:36.perhaps the most iconic sportsmen in the history of the world.
:18:36. > :18:41.the timing of the campaign could not be better. In Europe now, where
:18:41. > :18:46.there are wars being waged against racism in football, someone like
:18:46. > :18:50.Arthur Wharton could be the symbol of overcoming racism. There are
:18:50. > :18:55.some was loved by many across the north, he had to fight his own
:18:55. > :19:02.battle. When they reported on matches, for example, they would
:19:02. > :19:07.refer to him as the dark one or say that he had a monkey type features.
:19:07. > :19:11.In 1886, the people of the North East of England called for Arthur
:19:11. > :19:16.to play for England. He was denied the opportunity because of the
:19:16. > :19:22.colour of his skin and nearly 100 years later...
:19:22. > :19:27.Being a black player, a goalkeeper, playing in the 1800s, that is mind
:19:27. > :19:33.boggling. I did not know anything about Arthur Wharton until six or
:19:33. > :19:36.seven years ago, which is a crying shame. Now, if you speak to Rio
:19:36. > :19:42.Ferdinand, Ashley Cole, and they all know about him. We are doing
:19:42. > :19:47.our bit to get his name up there. They are doing exactly that out in
:19:47. > :19:53.Ghana, too. It is Arthur Wharton's birthday, and in the place where he
:19:53. > :20:02.was born, a football tournament held in his honour.
:20:02. > :20:06.This is a deprived community. A gentleman such as Arthur brings
:20:06. > :20:11.hope that despite adversity and obstacles, one can make it through
:20:11. > :20:15.and reach for the top. Football is in their blood and then to know
:20:15. > :20:22.that the world's first black footballer actually came from Ghana,
:20:22. > :20:28.it makes them think, I knew it anyway! Arthur Wharton has finally
:20:28. > :20:33.come home. And in a sense, so has his granddaughter. She now has one
:20:33. > :20:39.last surprise. Local journalist Ernest has been doing some digging
:20:39. > :20:44.into the African side of her family. What we have now is a lot from your
:20:44. > :20:51.great-grandmother's site. He has tracked down not just one or two
:20:51. > :21:01.relatives but an entire family she let never knew she had.
:21:01. > :21:01.
:21:01. > :21:07.APPLAUSE. Here is your family assembled. My work is done. I have
:21:07. > :21:16.realised, as a child I had always said to my mother, have I got a
:21:17. > :21:24.grandfather? And she never answer any. I am very proud to be a member
:21:24. > :21:32.of your family. I just feel very emotional. It is very emotional to
:21:33. > :21:36.be here with you all. And thank you. We are very happy because this is
:21:37. > :21:41.the first time I have heard of white people tracing their black
:21:41. > :21:46.ancestors. She has come over to look for us. Football is known as
:21:46. > :21:51.the beautiful game and it unites people. Look at what is happening
:21:51. > :21:56.here today. We are all united, people from all over the world
:21:57. > :22:02.coming together, or because of one man and his journey. It is a
:22:02. > :22:06.culmination in my life. It is the most greatest day of my life. I
:22:06. > :22:11.just could not understand why it had been hidden away all those
:22:11. > :22:17.years. I think my mother would say, I am sorry I did not tell you what
:22:17. > :22:25.was happening, but I am pleased that you have found him. She would
:22:25. > :22:32.probably be saying, up there, well done, Sheila.
:22:32. > :22:37.The now a treat. 2012 was an amazing year. With the Jubilee, the
:22:37. > :22:41.Olympics, the Paralympics, but just as important to our individual
:22:41. > :22:46.events in family life. So the BBC here invited 100 people born
:22:46. > :22:52.between 1912 and 2012 to share their highs and lows of a momentous
:22:52. > :22:57.year. The film first premiered on assistant programme Look North with
:22:57. > :23:07.specially composed music. We liked it so much we thought you would
:23:07. > :23:12.
:23:12. > :23:20.I started proper school. I learned to ride my bike without stabilisers.
:23:20. > :23:25.I got a letter of the Queen. I went on holiday. I finished chemo.
:23:25. > :23:31.went back to Zimbabwe. I made my mum proud.
:23:31. > :23:41.I went to Barcelona. I wrote a letter.
:23:41. > :23:41.
:23:41. > :23:48.I learn to walk again. # I honestly believe I found myself.
:23:48. > :23:53.Prom dress was a success. Been gigging. Love living.
:23:53. > :24:03.I sat beside Michael Phelps. I know my purpose.
:24:03. > :24:03.
:24:03. > :24:10.# Another year begins, with crazy dreams and endless possibilities.
:24:10. > :24:20.# We plan, we hope. We fail, we cope.
:24:20. > :24:21.
:24:21. > :24:24.We stand, destructed, gazing at the sky.
:24:24. > :24:29.-- distracted. With link and then another year's
:24:29. > :24:32.gone by. My partner change my life. I got first-class honours. I won.
:24:32. > :24:39.I found love but then I lost love. I volunteered. My niece beat the
:24:39. > :24:43.odds. A year of highs and lows. turned 30. With my mates. A baby in
:24:43. > :24:49.February. And another on the way. had a baby after four years of
:24:49. > :24:52.trying. I am in remission. Living life without love ones. My daughter
:24:52. > :25:01.learned to talk. I got my British citizenship. I received a British
:25:01. > :25:05.Empire medal. I took the risk. I fell in love.
:25:05. > :25:15.I bought a house. And now I'm skint. We tried to keep the memory of our
:25:15. > :25:20.stillborn child alive. Life is too short. Just leave it. -- just live
:25:20. > :25:23.it. I ran the coast-to-coast in 27 hours. Struggling to find a job.
:25:23. > :25:25.kids left home. I took my parents on a cruise. I retired from the
:25:25. > :25:29.police and resumed making Cumberland sausage. I had breast
:25:29. > :25:37.reconstruction surgery. I was published by the Fortean Times.
:25:37. > :25:47.We run, we stall. We trip, we fall. And stand destructed, staring at
:25:47. > :25:47.
:25:47. > :25:52.the sky. -- distracted. I am proud to be Cumbrian. # We blink and find
:25:52. > :25:56.another year's gone by. I waded through floodwater. The weather has
:25:56. > :26:00.affected my livelihood. I met my soulmate. I tried exciting
:26:00. > :26:04.new things. I sailed the South China Sea. Not an athlete, but two
:26:04. > :26:09.stones lighter. It's been a bittersweet year. Our house went up
:26:09. > :26:12.in flames. I became a grandmother. I received an unwanted diagnosis.
:26:12. > :26:22.This year marks the start of something new. I climbed
:26:22. > :26:29.
:26:30. > :26:39.Kilimanjaro. # And the seasons turn. And the memories burn. Faces of
:26:40. > :26:42.
:26:43. > :26:52.loved ones appear. When shall I see you again?
:26:53. > :26:55.
:26:55. > :27:05.I had tea at the Ritz. Fired a or it winning cheese. I'll BA a great
:27:05. > :27:10.grandfather up. I made a complete recovery. I turned 70. I turned 18.
:27:10. > :27:17.My brother received recognition finally. I am struggling and
:27:17. > :27:27.without my wife. I fulfilled my ambition. I bought a Mini.
:27:27. > :27:29.
:27:29. > :27:38.daughter got married, finally. years of service. # We Say Goodbye.
:27:39. > :27:48.We stand, distracted, gazing at the sky. We blink, and find another
:27:49. > :27:49.
:27:49. > :27:56.year's gone by. We had our diamond wedding. I became a great grandma.
:27:56. > :28:06.Still loving life. I have accepted a tyre will not be seen Dorothy
:28:06. > :28:13.
:28:13. > :28:23.again until she comes home. I am I walked the length of Hadrian's
:28:23. > :28:36.
:28:36. > :28:41.A unique historical record of 2012. Next week we have another