09/08/2016

:00:08. > :00:11.Hello, it's Tuesday, it's 9am, I'm Victoria Derbyshire.

:00:12. > :00:20.Banks are going to have to work harder to keep our money -

:00:21. > :00:23.a report says they must make it easier for customers to switch

:00:24. > :00:30.Daley's done it - but only after a tense wait to see

:00:31. > :00:33.if the Germans would beat him and diving partner

:00:34. > :00:37.We're over the moon, I kind of pounced on Dan at the end

:00:38. > :00:39.and I didn't realise we were going backwards

:00:40. > :00:43.I just went with it, I was like, I don't care any more!

:00:44. > :00:54.We will find out more about Tom's new partner.

:00:55. > :00:57.And he shoots, he wins - another Team GB bronze,

:00:58. > :01:08.this time for Somerset farmer Edward Ling in the trap shooting.

:01:09. > :01:12.We're live until 11am this morning and every week day morning.

:01:13. > :01:14.We'll bring you the latest breaking news, sport and interviews.

:01:15. > :01:17.And let me know if you allowed any of your children

:01:18. > :01:23.I ask because Jools Oliver, married to Jamie, has posted

:01:24. > :01:28.on Instagram this photo - she's just given birth

:01:29. > :01:30.to their fifth child, a little boy, and she wrote this:

:01:31. > :01:32."Little baby boy Oliver has arrived!

:01:33. > :01:35.We are so happy, blessed, grateful, and totally in love all over again,

:01:36. > :01:44.and so very proud of our two eldest daughters, who cut the cord."

:01:45. > :01:47.Her two eldest daughters cut the umbilical cord, they watch them on

:01:48. > :01:48.give birth. I'd love to talk to you

:01:49. > :01:53.on the programme if so - send me a text, Whatsapp,

:01:54. > :01:55.email or tweet, and we'll try and get you on the

:01:56. > :02:01.programme this morning. High street banks have been ordered

:02:02. > :02:08.to revolutionise their technology The Competition and Markets

:02:09. > :02:12.Authority wants people to be able to manage accounts held

:02:13. > :02:14.with different providers with a single mobile phone

:02:15. > :02:16.app by 2018. It says this would help them

:02:17. > :02:25.avoid overdraft charges Let's talk to our business

:02:26. > :02:30.correspondent Brian Milligan. Tell me more about the technology.

:02:31. > :02:35.First of all what the CMA is saying is this would be an open banking

:02:36. > :02:37.revolution, so the idea is that you would go on your smartphone app, for

:02:38. > :02:42.example... example...

:02:43. > :02:49.Assuming you have a smartphone? Or a computer.

:02:50. > :02:53.Assuming you have a computer. And it would know the details of

:02:54. > :02:57.your spending, the patterns, it would say, last month he went

:02:58. > :03:00.overdrawn by ?100 and it cost you ?20 to pay for that. You might be

:03:01. > :03:04.better off going to another bank where the overdraft would be

:03:05. > :03:10.cheaper. So all of the banks will now be required to institute this

:03:11. > :03:13.technology by 2018. Of course you would have to give your consent to

:03:14. > :03:15.it as a customer as well, you will not be forced to do this if you

:03:16. > :03:23.don't want to. What about a cap on unauthorised and

:03:24. > :03:27.arranged overdraft charges. Did the CMA want that to be brought in?

:03:28. > :03:31.What they have brought in is something called the maximum monthly

:03:32. > :03:36.charge. At the moment, what happens if you go overdrawn without the

:03:37. > :03:42.bank's consent, they will charge you a daily fee up to a maximum of say

:03:43. > :03:50.80 or ?90 per month. Then, on top of that, they will charge you an

:03:51. > :03:53.interest rate for another was -- for other unauthorised activity. The CMA

:03:54. > :03:56.has said there should be a maximum monthly charge which would include

:03:57. > :04:01.all of those charges so that you would be able to compare one bank

:04:02. > :04:05.with another, but it is not a cap in the sense that individual banks will

:04:06. > :04:08.be able to set their own maximum monthly charge.

:04:09. > :04:13.Anything else in particular? What about making it easier for people to

:04:14. > :04:18.switch accounts? Again, this is an old chestnut that

:04:19. > :04:23.the CMA has been banging on about for a long time. It said today that

:04:24. > :04:28.still only 3% of us are switching current account every year and that

:04:29. > :04:31.is not enough. There are further measures to help a switch. The

:04:32. > :04:44.switching service will get a new regulator, there will

:04:45. > :04:47.be a campaign to encourage people to switch. We have heard all this

:04:48. > :04:49.before so a lot of people are still sceptical about whether this will

:04:50. > :04:51.make the switch. We will have to wait and see.

:04:52. > :04:53.The point of switching is that the CMA say it could save us money to

:04:54. > :04:56.switch accounts? Yes, it can save money. Relatively

:04:57. > :05:01.small amounts. But it is still incredibly difficult. I went on some

:05:02. > :05:05.of these banks' website yesterday to work out what the overdraft charges

:05:06. > :05:09.were, for example, if you are a borrower, and most of us are

:05:10. > :05:13.borrowers. It is really hard to see what an overdraft is going to cost

:05:14. > :05:18.you. They don't spelt it out until you get a bank statement that says,

:05:19. > :05:23.you owe us... It is still really hard and that is one of the areas

:05:24. > :05:28.that has been located by the CMA as a way of encouraging us to switch.

:05:29. > :05:34.Thank you. We will talk much more about that in the next hour of the

:05:35. > :05:39.programme. If you have an experience to share about exorbitant,

:05:40. > :05:40.expensive, what you might consider unfair, unauthorised overdraft fees,

:05:41. > :05:42.send me an e-mail. Annita is in the BBC

:05:43. > :05:45.Newsroom with a summary China's ambassador to the UK has

:05:46. > :05:49.warned that Britain's relationship with China could be at risk

:05:50. > :05:51.if the Hinkley Point nuclear Writing in the Financial Times,

:05:52. > :05:56.he said the two countries were at a "crucial

:05:57. > :05:57.historical juncture". Last month, the Government announced

:05:58. > :06:00.that it will delay making a decision Our China editor Carrie

:06:01. > :06:17.Gracie is in Beijing. Are you surprised by the tone of

:06:18. > :06:21.these comments? What do they say to you about how important this deal is

:06:22. > :06:25.for the Chinese? I'm not surprised by the tone. I

:06:26. > :06:30.think by the standards of this particular ambassador it was quite a

:06:31. > :06:33.mild intervention. This is a man who has, in the past, compared foreign

:06:34. > :06:40.governments to folder Mordt, the villain in the Harry Potter novels.

:06:41. > :06:46.We are at a point where he is still trying to advance quite gently, he

:06:47. > :06:49.does not want to alienate or create greater concerns about national

:06:50. > :06:55.security but he does want the jungle drums to get going in the business

:06:56. > :06:57.and city elite, hence this piece in the Financial Times to save the

:06:58. > :07:01.business relationship, which is worth billions of pounds, which is

:07:02. > :07:06.the heart of the Golden age language that we saw from the Cameron Osborne

:07:07. > :07:10.Government, that all of that is at risk if Hinkley Point doesn't go

:07:11. > :07:15.ahead. Why Hinkley Point is so important to the Chinese is because

:07:16. > :07:38.they saw the UK as an incredibly important showcase

:07:39. > :07:42.for their nuclear technology, which they are trying to export around the

:07:43. > :07:45.world. The UK, a developed economy with a strict regulatory regime, if

:07:46. > :07:48.it is good enough for the Brits it will be good enough for others, that

:07:49. > :07:50.is the way they would sell it. For the Brits to turn around and say, we

:07:51. > :07:52.are concerned about national security, safety standards, anything

:07:53. > :07:55.else, it actively undermines their case. Plus, the fact they had got to

:07:56. > :07:57.the point of the deal, they put political clout in it, they had to

:07:58. > :08:00.be president, signing the deal, much trumpeting of the importance of the

:08:01. > :08:03.deal, so I think if it doesn't go ahead, then there will be swift turn

:08:04. > :08:03.from golden age to dark age in this relationship.

:08:04. > :08:05.OK, thank you very much for that. A bitter row has developed

:08:06. > :08:07.between the Republican presidential candidate Donald Trump and 50 top

:08:08. > :08:09.national security officials The group, which includes a former

:08:10. > :08:13.CIA boss, says Mr Trump "lacks the character,

:08:14. > :08:15.values and experience" to be president and would be "the most

:08:16. > :08:18.reckless president" in US history. He's accused them of being part

:08:19. > :08:21.of a "failed Washington elite" which is to blame for making

:08:22. > :08:25.the world "such a dangerous place." A number of people have been injured

:08:26. > :08:31.following an explosion at a house in Ashton-under-Lyne in Greater

:08:32. > :08:33.Manchester. Firefighters were called

:08:34. > :08:37.to the terraced property just A number of people were found

:08:38. > :08:41.injured on the floor The cause of the explosion

:08:42. > :08:44.is not yet known. One of India's best-known

:08:45. > :08:46.political activists is ending Irom Sharmila has been

:08:47. > :08:52.force-fed through a tube She was protesting against a law

:08:53. > :08:58.that gives the Indian army sweeping powers to tackle an insurgency

:08:59. > :09:08.in her home region, Manipur. She says she's decided to stand in

:09:09. > :09:11.local elections as an More than 140,000 Scottish school

:09:12. > :09:16.pupils will receive their Highers Last year, a record number

:09:17. > :09:19.of Highers were awarded to pupils sitting a new set of qualifications

:09:20. > :09:22.for the first time. Royal Mail said it was "pulling out

:09:23. > :09:25.all the stops" to make sure results More than 50,000 pupils have signed

:09:26. > :09:29.up to get their results online Hundreds of thousands of travellers

:09:30. > :09:34.using Southern Rail train services The RMT union is staging a five-day

:09:35. > :09:44.strike over plans to make drivers, rather than conductors,

:09:45. > :09:45.operate train doors. Southern Rail said nine out of ten

:09:46. > :09:48.trains in its reduced timetable ran Millions of families

:09:49. > :09:53.are just one pay cheque away from losing their home,

:09:54. > :09:55.according to the housing It blames high housing costs

:09:56. > :09:58.for leaving so many people The cost of housing takes a big

:09:59. > :10:07.chunk out of many people's budgets. For some, costs are so high

:10:08. > :10:14.and their savings so small that they are only one pay cheque

:10:15. > :10:16.away from homelessness. In a joint survey with YouGov,

:10:17. > :10:19.the housing charity Shelter found that many families were living

:10:20. > :10:21.on the brink. We already know that there are more

:10:22. > :10:23.than 16 million working adults It means that many parents

:10:24. > :10:31.fear their children will be left without a roof over their heads

:10:32. > :10:34.if they lose their job Shelter is calling on the Government

:10:35. > :10:41.to improve the welfare safety net so that families don't

:10:42. > :10:43.lose their homes. The support that's available

:10:44. > :10:47.for working people when they fall behind with their rent is not

:10:48. > :10:49.necessarily keeping pace So people can get some help but it's

:10:50. > :10:55.not enough help, and we want to make sure that there is enough

:10:56. > :10:57.help there that people, if they lose their job,

:10:58. > :11:00.they can keep on paying their rents The survey found that,

:11:01. > :11:06.if they have lost their job, 23% of families said

:11:07. > :11:09.they would immediately be unable 37% would be unable to last more

:11:10. > :11:14.than a month. And 48% of families said that

:11:15. > :11:16.housing was their single biggest Shelter says it is talking

:11:17. > :11:21.to parents every day who face homelessness just

:11:22. > :11:24.because their income has taken Around four in ten shops in England

:11:25. > :11:37.are breaking the law by selling e-cigarettes and vaping

:11:38. > :11:39.liquids to children. Trading Standards officers

:11:40. > :11:41.carried out test purchases at more than 630 retailers,

:11:42. > :11:44.including independent pharmacies, and found 40% were prepared to sell

:11:45. > :11:48.the products to under-18s, even though this became

:11:49. > :11:52.illegal last year. That's a summary of the latest BBC

:11:53. > :12:06.News - more at 9.30am. Wow, some of you have let your

:12:07. > :12:10.children watch you give birth. This text, from someone who has not left

:12:11. > :12:11.her name, my daughter was with me throughout the Labour and birth and

:12:12. > :12:16.cut the cord of her brother, she was cut the cord of her brother, she was

:12:17. > :12:20.12 at the time, she is now 36, she was amazing. She had the choice to

:12:21. > :12:24.leave at any point but stayed there. It was good to have the opportunity

:12:25. > :12:28.to see it live, she had a real feel of how long it takes and the effect

:12:29. > :12:35.it has on you both before and after the birth.

:12:36. > :12:41.This bureau says, I had friends and family, friends and family! She does

:12:42. > :12:45.not say how many. At the birth of my second, third and fourth child, all

:12:46. > :12:49.at home. Oh, my gosh, she does say, there were 24 in the room for the

:12:50. > :12:55.birth of my fourth child, including my own children! Wow, Francesca,

:12:56. > :12:58.fair play to you leg we are asking if you have allowed your own

:12:59. > :13:02.children to be there when you gave birth, because Jools Oliver allowed

:13:03. > :13:05.her 13-year-old daughter and 14-year-old daughter to cut the

:13:06. > :13:08.umbilical cord. There is the pictures you posted on

:13:09. > :13:14.Instagram of their little baby brother, who does not have a name

:13:15. > :13:17.yet, just known as baby Oliver, their surname, they cut the

:13:18. > :13:22.umbilical cord and plenty of you have allowed your kids to do the

:13:23. > :13:26.same thing. Many congratulations to Jools Let me know if you allowed

:13:27. > :13:28.your own kids to watch you give birth, and what effect it had on

:13:29. > :13:30.them. Let's get the latest

:13:31. > :13:41.on the Olympics from John Watson. Let's start with the diving, Tom

:13:42. > :13:44.Daley and Daniel Goodfellow, they produced a remarkable final dive

:13:45. > :13:51.under huge pressure which saw them take Brian 's -- bronze in the ten

:13:52. > :13:54.metre synchronised platform. They had a lot of pressure on them, you

:13:55. > :13:58.could feed the Germans there waiting to see if they produced a bigger

:13:59. > :14:02.score to move above them and you can tell by the reaction from Tom Daley

:14:03. > :14:15.and Daniel Goodfellow ruck that it took them two bronze -- and Daniel

:14:16. > :14:21.Goodfellow. The second bronze to tell you about came in the men's

:14:22. > :14:26.trap shooting, Ed Ling came through to take bronze. He had to go through

:14:27. > :14:33.a shoot off to even reach the bronze match contest but produced some

:14:34. > :14:36.superb shooting on his way to taking the bronze and afterwards he said he

:14:37. > :14:42.will now have a party, having won bronze. He said if he won a medal he

:14:43. > :14:45.would have a party. He is a farmer from Somerset so he has to go home

:14:46. > :14:51.and tend to his crops. This is what he had to say after winning bronze.

:14:52. > :14:58.I'm speechless, I really am. I set my goal and to make the final, once

:14:59. > :15:00.you are in the final anything can happen, and I am over the moon with

:15:01. > :15:11.what I did. There were some missed chances? High

:15:12. > :15:14.hopes that Team GB would win a medal in the men's gymnastics, the team

:15:15. > :15:23.final, they did not manage that and it was a mistake from Louis Smith,

:15:24. > :15:29.their talisman, it was a mistake on the pommel, he won the medal back in

:15:30. > :15:34.London 2012 but last night it was a mistake which cost Team GB, they

:15:35. > :15:38.finished fourth and Japan took gold. Russia had silver and China are

:15:39. > :15:45.being Team GB to the bronze medal. Another missed opportunity for James

:15:46. > :15:50.Guy in the pool, this was a swimming event. The world champion and a lot

:15:51. > :15:53.of people suggested he would be the favourite to win gold but again,

:15:54. > :15:59.missing out on the medal altogether, finishing fourth. The event was won

:16:00. > :16:04.by Sun Yang from China, who previously served a band for doping.

:16:05. > :16:10.It means that he misses out on the medal for the 200 metres freestyle,

:16:11. > :16:14.finishing fourth. The rugby sevens, Team GB were going very well in the

:16:15. > :16:19.women's event. Winning all their matches in the group stages, they

:16:20. > :16:23.beat Fiji in the quarterfinals and faced Canada in the bronze medal

:16:24. > :16:27.play-off match, a team they had beaten in the group stages and you

:16:28. > :16:34.can save on their faces, Canada winning 33-10. Huge disappointment

:16:35. > :16:37.after Team GB had been going so well in the rugby sevens, the first time

:16:38. > :16:45.this has featured in the Olympics. It was not to be. They will be so

:16:46. > :16:48.frustrated with themselves. The athletics does not start for some

:16:49. > :16:54.time but Usain Bolt is grabbing the attention already? The first time he

:16:55. > :17:00.has faced the media since arriving in Rio and as you can imagine, he

:17:01. > :17:08.was understated once again! Putting on a show, some samba, really

:17:09. > :17:12.enjoying himself, showing no signs of pressure before the athletics

:17:13. > :17:16.events start on Friday. He is going for the triple trouble, the 100

:17:17. > :17:21.metres, 200 metres and the four by 100 major is, looking to win gold,

:17:22. > :17:26.the clean sweep, that would be hugely impressive. When he finished

:17:27. > :17:31.with the dancing, he told the world that this will definitely be his

:17:32. > :17:35.final Olympic Games. When the athletics to start, we will not want

:17:36. > :17:42.to mess Usain Bolt competing this year. Can we talk about Manchester

:17:43. > :17:46.United and this unbelievably ridiculously obscene amount of money

:17:47. > :17:53.they are paying for a player that used to play for them in a few years

:17:54. > :17:58.ago? ?1.5 million Manchester United got for Paul Pogba when he left in

:17:59. > :18:04.2012, they are not buying him back for ?89 million, it is a new world

:18:05. > :18:09.record, eclipsing the fee that Real Madrid A4 Gareth Bale, ?85 million,

:18:10. > :18:16.back in 2013. It seems crazy but this goes to show the position the

:18:17. > :18:18.club are in with Jose Mourinho on board, they want to challenge for

:18:19. > :18:22.trophies this season and they want to sign the world's best players and

:18:23. > :18:26.it is unfortunate that they let one of them go if you years ago and the

:18:27. > :18:31.only way to get back is to pay a world record sum. This is a great

:18:32. > :18:35.photograph on the BBC website, one of the most read this morning,

:18:36. > :18:40.described as a symbol of unity at the Olympics. A North Korean and a

:18:41. > :18:45.South Korean gymnast posing together for a selfie? This was a special

:18:46. > :18:54.moment captured by somebody of the peril of them. North Korea and South

:18:55. > :18:59.Korea. It shows that both nations technically still at war with each

:19:00. > :19:03.other but here they are, competing at the Olympics, posing for a

:19:04. > :19:07.selfie. It shows that that Olympic spirit is all about and that photo

:19:08. > :19:11.was shared thousands of times across social media and of people say this

:19:12. > :19:14.is what the Olympics is all about, bringing two nations which are

:19:15. > :19:20.technically at war with each other together. They are clearly enjoying

:19:21. > :19:28.being there. Cheers. Thank you for that. More throughout the programme.

:19:29. > :19:34.And you have been getting in touch about Jools Oliver who let her

:19:35. > :19:38.daughter 's witness her new birth. Sharon says my elder son and

:19:39. > :19:41.daughter wrote the birth of their twin sisters, I did not think it was

:19:42. > :19:47.inappropriate and I thought it would bring them closer. My daughter was

:19:48. > :19:50.16. Gill says my birth and the aftermath would definitely not child

:19:51. > :19:54.friendly. To get in touch through the morning.

:19:55. > :19:58.If you text, you will be charged at the standard network rate.

:19:59. > :20:02.We will hopefully speak to some of you who have allowed the older

:20:03. > :20:07.children to watch you giving birth. Banks are going to have to do much

:20:08. > :20:10.more to make sure customers are getting the best deal

:20:11. > :20:12.for their money. A report by the industry

:20:13. > :20:14.watchdog into the Big Four - so that's Lloyds, RBS,

:20:15. > :20:16.Barclays and HSBC - says they were charging unfair fees,

:20:17. > :20:19.especially on unplanned overdrafts and they weren't setting out clear,

:20:20. > :20:31.trustworthy information This morning the Competition and

:20:32. > :20:34.Markets Authority, the government competition watchdog, published

:20:35. > :20:38.recommendations designed to encourage competition in the retail

:20:39. > :20:42.banking sector. And they are starting with overdraft charges. It

:20:43. > :20:46.follows concerns that the big four, Lloyds, HSBC, Barclays and RBS, are

:20:47. > :20:52.not doing enough to help customers find the best deals and are charging

:20:53. > :20:55.unfair expense of fees. Many of us slip into an un-arranged overdraft

:20:56. > :21:00.if we spent more than our agreed limit. That can cost a lot if we

:21:01. > :21:05.don't have a prearranged overdraft facility. Those daily charges mean

:21:06. > :21:09.banks currently make about ?1.2 billion every year. And according to

:21:10. > :21:14.the consumer group which, customers often pay more for all arranged

:21:15. > :21:17.overdraft fees than the payday loan arrangements. The regular Joe wants

:21:18. > :21:21.banks to send text messages and other alerts to people to give them

:21:22. > :21:27.time to top up their account and avoid any charges. Some banks

:21:28. > :21:30.already do this and the experience is that just getting a prompt first

:21:31. > :21:36.thing in the morning saying you're in danger of going into an arranged

:21:37. > :21:42.overdraft can reduce the amount that customers pay in fees by about a

:21:43. > :21:47.quarter. So there is a big saving in fees. But the CMA fell short of

:21:48. > :21:51.imposing an industrywide cap on those fees, leaving for the banks to

:21:52. > :21:55.set their own limits. Thanks very procompetition, they can be true

:21:56. > :21:58.customers every day and a lot of new challenger banks are entering the

:21:59. > :22:04.market and these are basically customer friendly measures to help

:22:05. > :22:07.people get more information about their bank account, about other

:22:08. > :22:09.types bank accounts and other providers are making it easier to

:22:10. > :22:11.switch and that is pragmatic, sensible stuff, step on the right

:22:12. > :22:14.direction and hopefully that will provide those services to customers.

:22:15. > :22:19.The CMA will introduce measures to help Company is a design technology

:22:20. > :22:23.to make like-for-like comparisons between banks much easier. Six in

:22:24. > :22:28.ten of us are still with the same bank we were with ten years ago. The

:22:29. > :22:31.watchdog is planning improvements to the current accounts switch service

:22:32. > :22:38.to make it easier to change accounts but they dismissed a proposal to

:22:39. > :22:39.allow customers to take their account number with them when

:22:40. > :22:40.switching banks. . Let's speak to Oliver Joseph

:22:41. > :22:43.an account holder who has had personal problems with the fees

:22:44. > :22:45.charged for overdrafts by his bank. Michael O'Connor, the chief

:22:46. > :22:47.executive of Step Change, a charity specialising

:22:48. > :22:49.in debt problem. And Frances Coppola,

:22:50. > :22:51.an independent banking commentator who has worked for major banks

:22:52. > :23:01.such as RBS. Welcome. Oliver. It can be ?5 or ?7

:23:02. > :23:06.a day, once you go into an arranged overdraft. Is that fair? Not

:23:07. > :23:13.necessarily the way they charge us excessive amounts, my bank does have

:23:14. > :23:22.a cap but it is around the ?50 mark. Every month I have a very small

:23:23. > :23:26.overdraft and if I did go into unarranged for even three days, the

:23:27. > :23:31.charge of ?7 every day, that is an awful lot for a very small servers.

:23:32. > :23:35.So don't go into it unarranged overdraft situation? I would agree

:23:36. > :23:41.but with the banks of the payment systems, it is very hard, especially

:23:42. > :23:45.with contactless, it does not come off the balance. To accidentally go

:23:46. > :23:48.into that and if you don't have the means to come out of that before the

:23:49. > :23:52.end of the month payday, you could be looking at another overdraft fee

:23:53. > :23:57.of around eight days, depending on when you go into it. Have you been

:23:58. > :24:01.in a situation whereby the charges for it unarranged overdraft have

:24:02. > :24:09.actually lead to you getting much more in debt? Most definitely. When

:24:10. > :24:12.I incur a fee from my account, it does not come out until later in

:24:13. > :24:17.that time could be towards the end of the month, before payday, added

:24:18. > :24:22.that puts you back into an overdraft, the banks will start

:24:23. > :24:26.charging so from their charge, that puts me over, they charge again and

:24:27. > :24:31.again. And it spirals out of control. Michael and Francis, what

:24:32. > :24:36.do you think of the recommendations from the CMA today? I don't think

:24:37. > :24:43.it'll make a great deal of difference. Many already have a

:24:44. > :24:50.monthly cap, the big four have a 2% of the market, between ?39 and ?90,

:24:51. > :24:54.but will not change and what the they should do, as the payday loan

:24:55. > :24:57.market, they should intervene and save this should be the cap and you

:24:58. > :25:05.can charge no more, a level playing field. You say the FCA should step

:25:06. > :25:11.in and say this is your cap, the fees you can charge on unarranged

:25:12. > :25:18.overdraft? I don't agree, I share your concerns but unauthorised

:25:19. > :25:22.charges used to be much higher, ?25 every day. That is no consolation to

:25:23. > :25:31.people going into unarranged overdraft bull fight realising that.

:25:32. > :25:37.The fear was when you enclose -- impose a blanket cap, that becomes a

:25:38. > :25:43.price. If it is more than ?80 per month, who cares? If they set the

:25:44. > :25:45.cap at ?3 every day, you would potentially get all of the banks

:25:46. > :25:49.charging up to that level rather than competing to push the prices

:25:50. > :25:55.down, which is what the CMA want to achieve. When they're not look at

:25:56. > :26:01.what the others are doing and charge the same? Is that much competition?

:26:02. > :26:06.One of the elephants in the room in this report is the assumption that

:26:07. > :26:11.increasing competition will mean there is more prize differential. We

:26:12. > :26:17.know from other markets, like energy, when you open up competition

:26:18. > :26:21.and encourage price comparison websites and things like that,

:26:22. > :26:24.disclosure of prices, what happens is prices converge. Everybody starts

:26:25. > :26:30.charging pretty much the same and they compete on intangible things

:26:31. > :26:33.that they don't have to declare like service levels, additional features

:26:34. > :26:41.and in the case of the banks, hidden charges. I wonder if this new app

:26:42. > :26:47.that the CMA says banks have to have installed by 2018, we can download

:26:48. > :26:52.that onto your smartphone or computer, which will apparently make

:26:53. > :26:58.it simpler for us to compare and check those charges? Most people who

:26:59. > :27:05.come to charities with an overdraft, it is typically ?1700 and if you do

:27:06. > :27:09.the weekly shop and you to be overdrawn to do that to feed your

:27:10. > :27:14.family, getting a text message saying you're going into overdraft

:27:15. > :27:18.would prompt people, but I am not sure this technology will help the

:27:19. > :27:24.most vulnerable groups, who are often dipping into overdraft every

:27:25. > :27:28.month. In order to survive. And people like Oliver, I have never

:27:29. > :27:32.paid a bank charge in my life but my bank, it cost them to serve me but

:27:33. > :27:36.Oliver is paying for that and that is fundamentally unfair that some of

:27:37. > :27:39.the most fun but -- financially vulnerable people are having to pay

:27:40. > :27:43.the costs for the rest of us to have free banking. The charges and

:27:44. > :27:49.overdrafts typically target people who are not as well off and cannot

:27:50. > :27:52.clear them as quickly and we end up paying more. On the other hand,

:27:53. > :27:56.banks are not charities, they are there to make money. And they should

:27:57. > :28:01.make a reasonable profit but how do you spread that cost? I fear that

:28:02. > :28:06.the current system, the greatest burden is being carried by the

:28:07. > :28:10.people least able to bear it and overdraft charges are important, up

:28:11. > :28:17.to ?90 per month for the monthly cap charge. I think regulators have two

:28:18. > :28:20.balance emerging competition with protecting consumers and in the case

:28:21. > :28:24.of the payday loan industry, they did not say, let us have more

:28:25. > :28:29.information about what they charge, they put in that cap. So the balance

:28:30. > :28:35.in this case should be to protect consumers and cap things, based upon

:28:36. > :28:40.what overdrafts really cost. That is, used to work for banks like RBS,

:28:41. > :28:45.is any responsibility for the major banks to protect their most

:28:46. > :28:50.vulnerable customers are not? This is interesting, is backing a public

:28:51. > :28:54.servers or are they just in the filthy world of commerce? It is a

:28:55. > :29:00.bit of both and something we have not resolved, particularly in this

:29:01. > :29:04.particular space when we deal with payments and payments, current

:29:05. > :29:08.accounts, overdrafts and so forth, they are short-term financial needs

:29:09. > :29:11.that we face every day and they are the lifeblood of the economy and it

:29:12. > :29:14.is banks that make that work. Anyway, I feel they do have a

:29:15. > :29:21.responsibility because they're acting on her behalf to make the

:29:22. > :29:25.economy work. It costs huge amounts to the country in terms of mental

:29:26. > :29:30.health, people losing homes and jobs is a right to regulate the financial

:29:31. > :29:33.services industry to make sure they act in a certain way, it is an

:29:34. > :29:37.essential service, without a bank account to pay over the odds for

:29:38. > :29:42.lots of services, the poor pay more in this country and do regular banks

:29:43. > :29:45.and what I say to the regulators is, there should be more bravery and

:29:46. > :29:49.they should interfere with the market and we know it might affect

:29:50. > :29:53.competition but there is a society need to protect the most vulnerable

:29:54. > :29:59.and the bank is too important to be left as a free for all.

:30:00. > :30:05.I agree with you, I feel underlying this report is an ideological bias

:30:06. > :30:10.that says, if you just open up competition everything will be

:30:11. > :30:13.lovely. For a lot of people, improving competition will help, it

:30:14. > :30:18.will mean they get better deals and so bored, but there are a minority

:30:19. > :30:22.of people for whom that is not true, and we have a responsibility to

:30:23. > :30:26.protect those people. Another thing the CMA would like people to do is

:30:27. > :30:30.switch more regularly because it increases competition. Have you ever

:30:31. > :30:38.switched your account? A fair few years ago. Was it easy or a hassle?

:30:39. > :30:41.At that stage it was easy, I did not have an overdraft, it was

:30:42. > :30:45.straightforward, I did not use the new process, I just opened an

:30:46. > :30:48.account, once it was opened I migrated everything across myself, I

:30:49. > :30:53.did not leave it for the banks to do. Now, with my overdraft, I don't

:30:54. > :30:57.think I would be able to change accounts because I would not

:30:58. > :31:03.necessarily know what I am getting into... Better the devil you know?

:31:04. > :31:04.Exactly. Thank you all for your time.

:31:05. > :31:08.We'll find out more about Tom Daley's new diving

:31:09. > :31:16.It is a relatively recent diving partnership. We will talk to his

:31:17. > :31:21.coach about the Olympic success. And we'll be speaking to John Scott,

:31:22. > :31:25.the father of Team GB sailor Giles, and Nicola Schlesinger,

:31:26. > :31:30.who is Team GB's judo competitor Here's Annita in the BBC Newsroom

:31:31. > :31:40.with a summary of today's news. High Street banks have been ordered

:31:41. > :31:42.to revolutionise their technology The Competition and Markets

:31:43. > :31:46.Authority wants people to be able to manage accounts held

:31:47. > :31:49.with different providers Banks will also have

:31:50. > :31:53.to cap their monthly charges China's ambassador to the UK has

:31:54. > :31:59.warned that Britain's relationship with China could be at risk

:32:00. > :32:02.if the Hinkley Point nuclear Writing in the Financial Times,

:32:03. > :32:06.he said the two countries were at a "crucial

:32:07. > :32:09.historical juncture". Last month, the Government announced

:32:10. > :32:12.that it will delay making a decision Ten people are thought to have been

:32:13. > :32:19.hurt, at least one seriously in an explosion at a house

:32:20. > :32:21.in Ashton-under-Lyne Firefighters were called

:32:22. > :32:24.to the terraced property just The cause of the explosion is not

:32:25. > :32:39.yet known. 50 security expert in the United

:32:40. > :32:45.States has warned that, if elected, Donald Trump would be the most

:32:46. > :32:48.reckless president in history. The group says Mr Trump lacks character,

:32:49. > :32:50.values and experience to be president. He has accused them of

:32:51. > :32:54.being part of a failed elite. One of India's best-known

:32:55. > :32:56.political activists is ending Irom Sharmila has been

:32:57. > :32:59.force-fed through a tube She was protesting against a law

:33:00. > :33:03.that gives the Indian army sweeping powers to tackle an insurgency

:33:04. > :33:09.in her home region, Manipur. She says she's decided to stand

:33:10. > :33:12.in local elections as an independent The housing charity Shelter says

:33:13. > :33:16.a third of families are just one month's wages away

:33:17. > :33:19.from losing their home. The charity polled more than 1500

:33:20. > :33:23.people with children last month, and found one in three had

:33:24. > :33:25.insufficient savings to pay their rent or mortgage

:33:26. > :33:28.for more than a month That's a summary of

:33:29. > :33:42.the latest BBC news. Plenty of you allowed your older

:33:43. > :33:45.children to watch you give birth, just like Jools Oliver did. This

:33:46. > :33:50.text from someone who did not leave their name, my daughter is 18, she

:33:51. > :33:55.is my first born. 18 years later I have had my second child, my son, by

:33:56. > :34:00.Caesarean section. My daughter was my birthing partner and she cut his

:34:01. > :34:05.umbilical cord. It was an amazing and scary experience, she said. This

:34:06. > :34:14.text from Lisa, I had my third child at home, both of my older children

:34:15. > :34:16.were there, five and nine, and it was wonderful to share such an

:34:17. > :34:16.amazing experience with your children.

:34:17. > :34:18.Thank you for those. Here's some sport now

:34:19. > :34:20.with John Watson. It was a tense wait for Tom Daley

:34:21. > :34:23.and his dive partner Dan Goodfellow to discover if they'd won bronze

:34:24. > :34:35.in the 10 metre Hugely impressive as they pipped

:34:36. > :34:39.Germany to take that bronze medal, Tom Daley adding to the bronze that

:34:40. > :34:42.he won in the individual event at the London Olympics four years ago.

:34:43. > :34:48.GB's second bronze came in the men's trap shooting,

:34:49. > :35:08.He now returns home saying he will hold a party following that success.

:35:09. > :35:15.There is Ed Ling again winning in the men's trap, that bronze medal.

:35:16. > :35:19.Disappointment in the end for Team GB in the team event in the men's

:35:20. > :35:22.gymnastics, Lewis Smith with a mistake on the pommel horse which

:35:23. > :35:27.means they missed out on what would have been a bronze medal for them. A

:35:28. > :35:32.fourth placed finish in the end for Team GB in the men's team final in

:35:33. > :35:38.the gymnastics. More disappointment for the women's rugby team in the

:35:39. > :35:42.rugby sevens. The first time they have featured rugby sevens at the

:35:43. > :35:45.Olympics. They missed out on a bronze medal, huge disappointment

:35:46. > :35:54.for Team GB as they lost to Canada in the bronze medal play-off.

:35:55. > :36:00.It has been the ongoing transfer of the summer, Paul Pogba, but Jose

:36:01. > :36:06.Mourinho finally has his man. He has had to pay through the nose for him,

:36:07. > :36:10.?89 million, a new world transport record, but Paul Pogba, who, as we

:36:11. > :36:14.know, was at Manchester United a few years ago and left them for ?1.5

:36:15. > :36:17.million, they have now paid ?89 million to bring him back. Let's

:36:18. > :36:21.hope he plays well. Thank you very much.

:36:22. > :36:24.Team GB has now won four medals at the Rio Olympics.

:36:25. > :36:26.Tom Daley and Dan Goodfellow took bronze in the synchronised 10

:36:27. > :36:30.They beat Germany by just six points with their last dive.

:36:31. > :36:34.A fabulous result since they only started working together last

:36:35. > :36:47.It is just a little bit out of sync from a distance

:36:48. > :36:54.Come on, judges, press those buttons!

:36:55. > :37:12.You don't see it yet but we need to give you that information.

:37:13. > :37:15.Because they are going to celebrate, they have seen it!

:37:16. > :37:18.It is Daley and Goodfellow who usurp the Germans

:37:19. > :37:20.with their very last dive, we will get the confirmation...

:37:21. > :37:23.Daley and Goodfellow are bronze medallists

:37:24. > :37:52.Claire Balding caught up with them after they clinched bronze.

:37:53. > :38:00.Tom, how difficult was it up there, and that last

:38:01. > :38:04.I mean, going into the last round, it's always an intense pressure

:38:05. > :38:06.in any competition but when it's the Olympic Games, multiply

:38:07. > :38:11.You're up there, it's windy, it's a bit cold and going

:38:12. > :38:14.into the last dive, we were two points ahead of the Germans in May

:38:15. > :38:19.at the European Championships in London, it was the same situation

:38:20. > :38:24.and they took us out and they won the gold.

:38:25. > :38:27.This time, we wanted to make sure that didn't happen,

:38:28. > :38:30.and we got the Germans back and we got the bronze medal.

:38:31. > :38:34.Dan, for you, what were you trying to think going into those final

:38:35. > :38:36.closing stages knowing this is it, medal or not?

:38:37. > :38:40.When we first, like, saw the start list we were in eighth

:38:41. > :38:43.position so we knew that no matter what there was always going to be

:38:44. > :38:47.pressure on us going into that, and we knew that we were going to be

:38:48. > :38:53.Obviously this is my first Olympic Games, I didn't

:38:54. > :39:09.We dived in this pool before at the World Cup and I thought that

:39:10. > :39:12.helped and we kept our nerve and stayed in the moment

:39:13. > :39:16.The last place that you actually want to be in in a start list

:39:17. > :39:18.is number eight of eight following the Chinese.

:39:19. > :39:22.We were dealt a bit of a rough hand but we stepped up to the mark.

:39:23. > :39:24.Like Dan said, we stayed in the moment and focused

:39:25. > :39:27.on what we needed to do exactly in that moment and not

:39:28. > :39:31.Given you've been diving together for such a short time, Dan,

:39:32. > :39:34.what do you put it down to, the success you've managed

:39:35. > :39:37.We both have similar styles of diving.

:39:38. > :39:40.I made sure I came to London for four weeks before

:39:41. > :39:42.the actual Olympics and we've never trained harder.

:39:43. > :39:44.Yeah, just hard work and we kept our nerve

:39:45. > :39:47.Our coaches, Jane Figueiredo and Mark Holdsworth,

:39:48. > :39:51.My coach can't be here today but Mark is probably watching at

:39:52. > :39:56.And Jane for coaching me out here but Mark, thank you so much,

:39:57. > :39:58.he's been coaching me since I was so young, so thank you.

:39:59. > :40:03.Tom, you said after London 2012 you would only do the synchro

:40:04. > :40:06.if you could win a medal - you've done that, what are

:40:07. > :40:12.When we were put together back in October we thought, we'll see

:40:13. > :40:16.if we can qualify a spot for GB, and I didn't know if I would dive

:40:17. > :40:21.We dived the World Cup and came away with a bronze medal and at every

:40:22. > :40:24.And we haven't done a competition since we've been together

:40:25. > :40:33.Going into the last competition of the season it's like, you know,

:40:34. > :40:36.you've won a medal in every single one and you have to win

:40:37. > :40:42.We are over the moon and I pounced on Dan at the end and I didn't

:40:43. > :40:50.realise we were going backwards until we were in the water.

:40:51. > :40:53.I just went with it, I was like, I don't care any more!

:40:54. > :40:57.Joining us now is Marc Holdsworth, Dan Goodfellow's diving coach.

:40:58. > :41:03.Why are you watching at home?! Unfortunately I was one of the

:41:04. > :41:09.coaches that could not be there to support the rest of Team GB out in

:41:10. > :41:16.Rio, so I watched it in front of the television, which was a bit nerve

:41:17. > :41:23.wracking. But the boys did us proud, I'm overwhelmed, emotional, and

:41:24. > :41:28.extremely proud of what they have achieved in such a short space of

:41:29. > :41:33.time. It is really interesting when you hear Dan said, it was down to

:41:34. > :41:38.simple hard work. Adam Peaty yesterday, seven years of hard work.

:41:39. > :41:42.I think sometimes people think, oh, they have a natural talent for this,

:41:43. > :41:46.it is good luck or a special gift, but it is straightforward? If you

:41:47. > :41:51.put your mindset to what you want to do, you can achieve anything. When I

:41:52. > :41:57.saw Daniel for the first time, he took my breath away. His innate

:41:58. > :42:07.ability to jump off the springboard, he looked like rain dancing in the

:42:08. > :42:11.air, it was phenomenal. The fact that he had the ability at the young

:42:12. > :42:15.age, to work with him, developing, let him grow into the athlete he is

:42:16. > :42:24.today, I just can't thank him enough. The work and dedication has

:42:25. > :42:29.paid off. It really has. Do you have to have a particular physique for

:42:30. > :42:33.diving, or not necessarily? Not necessarily. I think it is

:42:34. > :42:40.definitely down to mindset. You put your vision and your direction into

:42:41. > :42:45.what you want to be in life, you can be anything. Dan's vision started

:42:46. > :42:50.off as being a football player. He soon realised it would be very

:42:51. > :42:55.difficult to get into the academies. He was pretty good when he was

:42:56. > :42:59.younger, and when I came along, I said, no more football, you have to

:43:00. > :43:05.concentrate on diving. It is not really down to a certain ability,

:43:06. > :43:11.hard work and dedication are the two most important thing is for success

:43:12. > :43:14.in life. And hours and hours of practice, especially with two of

:43:15. > :43:18.them having to do exactly the same thing at exactly the same moment on

:43:19. > :43:28.a really high diving board in outdoor conditions! Yes, most of the

:43:29. > :43:34.time it is an indoor facility with the crowd cheering, but you saw the

:43:35. > :43:41.clouds coming over, it is quite a scary experience to stand not only

:43:42. > :43:44.at the end of the ten meter and do a dive, multiple somersaults and

:43:45. > :43:49.twists, and then to actually look up and see it is starting to rain,

:43:50. > :43:55.quite a nerve wracking experience! But they both stayed calm and they

:43:56. > :44:00.achieved great things out there, and I couldn't be more proud. Tell me

:44:01. > :44:07.about the working partnership between Dan and Tom Daley. Well, Tom

:44:08. > :44:15.originally was from Plymouth, myself and down, a job opportunity opened

:44:16. > :44:20.up in Plymouth, so I moved down in 2013 and asked down to move with me.

:44:21. > :44:27.They did a couple of training sessions back then, but Dan had to

:44:28. > :44:33.prove himself to be an individual diver first, that was my specific

:44:34. > :44:39.goal for him. Then Tom left to London and he had a number of

:44:40. > :44:44.Synchro partners and achieved great results over the last couple of

:44:45. > :44:49.years, then in October it was down to Dan to step up, so I told him he

:44:50. > :45:00.has got the ability, he had one dive to learn, he learned the dive, and

:45:01. > :45:07.from there it has been a very short space of time, it has been a

:45:08. > :45:11.roller-coaster of the journey. It is dedication, the fact that those two

:45:12. > :45:16.look so similar as well have helped that partnership blossomed to where

:45:17. > :45:20.it is now. Well done, thank you so much for talking to us, we

:45:21. > :45:24.appreciate your time. Mark Holdsworth, Daniel Goodfellow's

:45:25. > :45:27.coach, worth remembering that Tom Daley has done three Olympics now,

:45:28. > :45:34.he has the individual event to come later in the week, he has done three

:45:35. > :45:37.Olympics and is still only 22! Since the 1920s, Team GB has won four

:45:38. > :45:39.Olympic medals in the diving, half of those by Tom Daley, that is some

:45:40. > :45:41.achievement. Today's hopes lie with four

:45:42. > :45:43.time world champion finn class sailor Giles Scott,

:45:44. > :45:46.and women's 63 kilogram Judo Both will be competing

:45:47. > :45:52.this afternoon. Giles hopes to follow

:45:53. > :45:54.in the footsteps of Britain's greatest ever sailor,

:45:55. > :45:56.three time Olympic gold Alice will compete in her third

:45:57. > :46:02.Olympics, but this time as part of Team GB - she was previously

:46:03. > :46:05.in the Israeli team, and qualified for Rio

:46:06. > :46:07.after winning Gold at this Lets speak now to Giles's father

:46:08. > :46:24.John, and Alice's mother Nicola. Good morning. John, you were meant

:46:25. > :46:30.to be out there, what happened? I came off my bike here in Weymouth

:46:31. > :46:33.and I have broken my leg so we were supposed to be flying on Thursday

:46:34. > :46:41.but we will have to watch on the television. That is a real

:46:42. > :46:57.disappointment, I suspect. Where will you be with family and

:46:58. > :47:02.relatives? We will be... Yes... There is a party going on to watch

:47:03. > :47:14.the medal race. I missed most of that, you're lying cut out. It will

:47:15. > :47:22.be the old training club? Yes, the old club. There is a big party. --

:47:23. > :47:26.your line. Nicola, let me ask you about Alice and how she competes for

:47:27. > :47:34.Great Britain. What happened? After the London Olympics she came

:47:35. > :47:41.seventh. The politics here got out of control and told Alice she a

:47:42. > :47:46.failure and she wanted to carry on, she would have to go up to 70 kilos

:47:47. > :47:53.to make way for another player and she refused so in the end it just

:47:54. > :47:56.came that they would not centre to any competition because she would

:47:57. > :48:03.not change weights and they wanted her to train with rivals, her

:48:04. > :48:13.trainer, and she thought that wasn't possible. In the end, she was out of

:48:14. > :48:17.judo for two years and they would not release, the Israeli team, they

:48:18. > :48:23.didn't want to compete but they did not want to carry on and after she

:48:24. > :48:30.won a court case, because she is British, I am British and your

:48:31. > :48:34.breath certificate is from here, she applied and luckily Great Britain

:48:35. > :48:39.accepted her. That is a battle, to get to the point where she is. What

:48:40. > :48:46.are your expectations for her in this division? Alice on a good day

:48:47. > :48:51.can beat anyone, in her house, she has beaten everybody and lost to

:48:52. > :48:59.everyone so it is just a question of how good you are on the day. It is a

:49:00. > :49:04.very difficult weight category, everybody there in that category has

:49:05. > :49:11.a chance. On their day, anybody can get it. We just hope Alice has a

:49:12. > :49:16.day, a good day, like in Baku. John, I suspect people get bored asking

:49:17. > :49:21.you about Giles and Ben Ainslie and that rivalry and also friendship?

:49:22. > :49:25.They train together, they trained before Beijing, and Giles is part of

:49:26. > :49:34.the current line-up for the America's Cup. Tell us about that

:49:35. > :49:41.friendship. It goes back a long way. INAUDIBLE. That is so annoying, we

:49:42. > :49:49.really want to hear what you are saying about your son and Ben

:49:50. > :49:56.Ainslie. We hope to establish a much better line. I will come back to

:49:57. > :50:01.Nicola. We talked about gold in Baku, leading to her being able to

:50:02. > :50:07.qualify. That is a perfect preparation for the Olympics, isn't

:50:08. > :50:13.it? It is. We will amazed that being out of judo for two years, when she

:50:14. > :50:23.came back to represent Britain, she managed to qualify. Whatever happens

:50:24. > :50:29.today, she has done us proud. Do you get very nervous before her events?

:50:30. > :50:43.Yes. And during. I can physically be sick sometimes. Are you emotional?

:50:44. > :50:51.Quite, yes. Not? I think it is just the build-up. -- now? All of the

:50:52. > :50:58.Sportsman work so hard, especially in judo, you make one mistake and in

:50:59. > :51:04.ten seconds it is over. It can be like that. In tennis you have sets,

:51:05. > :51:08.in swimming you can have a bad start and get to the semifinal but in judo

:51:09. > :51:15.you make one mistake and you are out. It is a very... Difficult

:51:16. > :51:26.sport, mentally, from that point of view. But hopefully she will be

:51:27. > :51:31.concentrating well today. John, are some -- similarities, as a parent,

:51:32. > :51:39.you think, I wish that could be me and not my child? The difference is

:51:40. > :51:42.selling is a marathon sport, it is played out over five days and then

:51:43. > :51:51.you have the medal race with double points. Every day... Things can

:51:52. > :52:05.change with the shift of the wind. INAUDIBLE.

:52:06. > :52:13.To just keep focused on the end goal... Over five or six days, that

:52:14. > :52:18.is very demanding. To be able to maintain concentration and I think

:52:19. > :52:24.that is the greatest thing that top athletes have. That mental strength.

:52:25. > :52:30.John, thank you very much. Father of Giles. And Nicola, thank you very

:52:31. > :52:34.much as well, Nicola Schlesinger. The mother of Alice. Apologies for

:52:35. > :52:36.the technical issues but we wanted to persist.

:52:37. > :52:38.So for all the other events you should be watching today -

:52:39. > :52:45.Team GB's eventing star William Fox-Pitt suffered

:52:46. > :52:47.a disappointing setback in his bid for Olympic glory,

:52:48. > :52:51.after incurring time penalties in the cross-country.

:52:52. > :52:53.However, Britain are still in with a medal hope

:52:54. > :52:58.in the team competition, ahead of today's show jumping final.

:52:59. > :53:00.In the Whitewater stadium, David Florence will go for gold

:53:01. > :53:05.Wind delayed the heats of the competition, but David

:53:06. > :53:08.clocked the best time in the first round, so hopes will be high ahead

:53:09. > :53:14.After the men's disappointment in the team gymnastics last night,

:53:15. > :53:20.Claudia Fragapane and Ellie Downing are both ones to watch on the floor,

:53:21. > :53:24.after leading the team to bronze in the World Championships last year.

:53:25. > :53:31.Britain's 4x200m freestyle relay team caused an upset in 2015,

:53:32. > :53:37.So stay up late to see if Team GB can carry on their good streak

:53:38. > :53:56.OK... Jools Oliver a large her elder daughter is to be there as she gave

:53:57. > :53:59.birth to their fifth child. -- a large her elder daughters. --

:54:00. > :54:02.allowed. Jools posted on social media how

:54:03. > :54:05.happy she was that she could involve her two eldest daughters -

:54:06. > :54:08.aged 13 and 14 - in the birth. I am surprised by the number of you

:54:09. > :54:13.who did the same thing. Let's speak now to Vivien Pettitt,

:54:14. > :54:31.whose daughter Jessica Hello, how are you? Good morning.

:54:32. > :54:34.That is look? Good morning! Fellow! I am taken aback by the number of

:54:35. > :54:41.mothers who have allowed this to happen. It is an amazing experience.

:54:42. > :54:46.Luke was born when we're sitting at home. And Jessica watched the

:54:47. > :54:53.process, she was brilliant and can tell a story today. It is amazing.

:54:54. > :55:01.How old was Jessica? She was just four. You are kidding me! She was

:55:02. > :55:08.amazing, she had her dummy and her blanket, she gave that to help with

:55:09. > :55:13.some birth stuff and she never looked back, she gave that up, she

:55:14. > :55:24.loved it, she was the first to hold Luke. Brilliant. How did you prepare

:55:25. > :55:27.her for that? She did watched some videos of births, she wanted to

:55:28. > :55:33.watch a baby being born so we thought we should prepare her, show

:55:34. > :55:41.her something that is going on. She was well happy, she loves babies.

:55:42. > :55:46.She loves them live. She is -- if she is not a midwife, I would be

:55:47. > :55:50.surprised! Don't feel you have to answer these personal questions...

:55:51. > :56:00.Where you on your hands and knees or on your back? I was on my knees. My

:56:01. > :56:08.knees on the floor. Exactly here. Luke, can you hear me? Yes. What do

:56:09. > :56:12.you think about the fact that your little sister, your older sister,

:56:13. > :56:21.was able to watch you actually being born? Yes, it is good. What do

:56:22. > :56:32.Jessica tell you about that? -- what did. She was first to hold me. That

:56:33. > :56:41.is really special, isn't it? You hear these horror stories, Luke was

:56:42. > :56:48.also very big, he was 11 llbs. You must have been an agony! You must

:56:49. > :56:56.have been in agony. You have agreed to talk to us. So, living on the

:56:57. > :57:01.sofa, your knees on the floor, Luke is a whopper, let us be honest, your

:57:02. > :57:06.four-year-old is there, you must have been crying out in pain? I was

:57:07. > :57:11.and paramedics were here because the midwives could not get here and his

:57:12. > :57:18.head was coming out. He was born in 50 minutes. Jessica is not a little

:57:19. > :57:22.bit traumatised by hearing her mother and screaming in pain? If she

:57:23. > :57:28.was here she would tell you the whole story. Where is she? She is

:57:29. > :57:34.with nanny and grandad in Great Yarmouth! Gary Duff! He said he

:57:35. > :57:42.would be surprised if she does not end up being a midwife. It is quite

:57:43. > :57:50.unusual, what do you think about Jools Oliver doing this with her

:57:51. > :57:56.13-year-old? Brilliant. Jessica was four, if she was two I would have

:57:57. > :58:03.done the same. I think it is great. It is life, natural life. It is how

:58:04. > :58:08.we all got here. I think it is a good thing to see. Well but are

:58:09. > :58:11.plenty of viewers who agree. We really appreciate talking to you.

:58:12. > :58:23.Bye-bye, Luke! Have a nice day! Keep your stories coming in. If you

:58:24. > :58:28.are larger older children, not that old, Jessica was only four, to be at

:58:29. > :58:31.the birth of your child. What effect has it had on them?

:58:32. > :58:34.Coming up - what are the strange red marks on swimmer Michael Phelps

:58:35. > :58:37.It's called cupping, and we'll be finding out

:58:38. > :58:48.And is any scientific evidence to back up the fact that others and

:58:49. > :58:51.Michael Phelps say it can take some of the pain away from training. We

:58:52. > :58:53.are talking about that later. Let's get the latest weather update

:58:54. > :59:06.with Tomasz Schafernaker. Good morning. Today, the weather is

:59:07. > :59:10.not bad. Some sunshine and a few showers across northern areas but on

:59:11. > :59:13.the whole it is a dry day. High pressure driving the weather for

:59:14. > :59:19.most of us today, there is a weak weather front introducing some cloud

:59:20. > :59:24.and a few spots of rain but it does look like things will stay dry in

:59:25. > :59:29.the south. Across Scotland, from the West through the low lands into the

:59:30. > :59:33.Borders, a few showers, some of them just about sneaking into parts of

:59:34. > :59:38.Yorkshire and maybe running into northern parts of the Midlands.

:59:39. > :59:45.Other than that, it is a cracking afternoon. Temperatures getting up

:59:46. > :59:51.to the fresh South, 15 or 17 around the coast, about 20 in London. The

:59:52. > :59:54.north-westerly wind has been with us for some time, hence the area is

:59:55. > :00:00.pretty cool. There is a change for next week. 12 degrees across

:00:01. > :00:04.northern parts of England tonight, 13 in the south, rural spots will be

:00:05. > :00:09.colder. High-pressure still very close but we have this weather front

:00:10. > :00:13.moving across the UK, through the course of Wednesday, so thicker

:00:14. > :00:17.cloud and some rain getting to Belfast and western parts of Wales,

:00:18. > :00:23.into the South West as well so a split tomorrow. Western areas,

:00:24. > :00:28.cloudy with rain, eastern egg areas will get sunshine. Thursday, slight

:00:29. > :00:31.change in the wind direction, more of a West to south-westerly just

:00:32. > :00:36.about across southern areas are warming up your butt in the north we

:00:37. > :00:39.have weather fronts bringing some outbreaks of rain. That is

:00:40. > :00:44.summarised the rest of the week. Cloud and rain across northern and

:00:45. > :00:49.western areas but the South is starting to warm up and it does look

:00:50. > :00:59.like next week could see a spell of hot weather coming our way.

:01:00. > :01:01.Hello, it's Tuesday, it's 10am, I'm Victoria Derbyshire

:01:02. > :01:05.More apps and more switching - high street banks are told they MUST

:01:06. > :01:07.revolutionise their technology to give their customers a better,

:01:08. > :01:13.John Walker has been with his partner for 23 years,

:01:14. > :01:17.but if he died, his husband would only get ?500 a year.

:01:18. > :01:21.But if John had married a WOMAN, that would rise to ?50,000 a year.

:01:22. > :01:24.He's fighting in the courts to change that - we'll

:01:25. > :01:30.And why is the most decorated Olympian of all, Michael Phelps,

:01:31. > :01:34.We'll show you what cupping is and talk

:01:35. > :01:37.about the fact that there is very little hard evidence to show it

:01:38. > :01:52.Time for the day's news so far, here's Annita in the BBC Newsroom.

:01:53. > :01:54.High street banks have been ordered to revolutionise their technology

:01:55. > :02:01.The Competition and Markets Authority wants people to be able

:02:02. > :02:02.to manage accounts held with different providers

:02:03. > :02:07.Banks will also have to cap their monthly charges

:02:08. > :02:13.The independent banking expert Frances Coppola told Victoria

:02:14. > :02:15.that the efforts to promote better competition may not necessarily lead

:02:16. > :02:25.The elephant in the room in this report is the assumption that

:02:26. > :02:30.increasing competition will mean that there is more price

:02:31. > :02:34.differential. We know from other markets, energy for example, that

:02:35. > :02:37.when you open up competition and encourage price comparison website

:02:38. > :02:41.and things like that, and transparency and disclosure of

:02:42. > :02:46.prices, what happens is that the prices converge and everybody starts

:02:47. > :02:50.charging pretty much the same and then compete on intangibles that

:02:51. > :02:53.they don't have to compare, like service levels, additional features,

:02:54. > :02:56.and, in the bank 's' cases, hidden charges.

:02:57. > :02:58.China's ambassador to the UK has warned that Britain's relationship

:02:59. > :03:01.with China could be at risk if the Hinkley Point nuclear

:03:02. > :03:10.Our China editor explained the significance of the warning.

:03:11. > :03:14.This warning from the Chinese ambassador is the sternest from the

:03:15. > :03:17.Chinese Government yet, but by the standards of Chinese pronouncements

:03:18. > :03:21.of displeasure it is actually quite mild. They have got a difficult

:03:22. > :03:24.problem because they want to influence the argument in London,

:03:25. > :03:30.they want to get the jungle drums coming from the business elite in

:03:31. > :03:33.the City of London to get their message to Downing Street that there

:03:34. > :03:37.are deals that will fall if the Hinckley deal is cancelled, but they

:03:38. > :03:40.don't want to make the argument for those in the UK political

:03:41. > :03:45.establishment who are concerned about Chinese threats and the

:03:46. > :03:49.possibility of security implications of Chinese involvement in a big

:03:50. > :03:54.critical infrastructure projects like Hinkley Point. Carefully trying

:03:55. > :04:00.to calibrate the language of that piece about cherishing mutual trust,

:04:01. > :04:04.keeping the door open in the UK, not damaging the relationship, but not a

:04:05. > :04:08.force ten Bureij from the Chinese Government might grate. That we

:04:09. > :04:11.would expect to see if the project is cancelled. China would be very

:04:12. > :04:15.angry if that does take place because they have invested a lot in

:04:16. > :04:19.this, they put a lot of political capital behind it, the Chinese

:04:20. > :04:23.president obviously went to London, signed the deal, unveiled with much

:04:24. > :04:29.red carpet, bold carriages on the Mall, all the rest of it. Given

:04:30. > :04:35.that, given how important the UK is to them as a showcase for nuclear

:04:36. > :04:40.technology and nuclear Corporation, a big advanced country with a strict

:04:41. > :04:43.safety regime, that would enable them to promote their nuclear

:04:44. > :04:47.technology export around the world if the UK did come on board. So the

:04:48. > :04:51.deal matters to them and it is humiliating if it were to be

:04:52. > :04:54.cancelled, so I think this warning is being fed into the

:04:55. > :04:59.decision-making at this point to ensure that, from China's point, the

:05:00. > :05:03.decision goes in the right way and that that golden age language can

:05:04. > :05:07.continue rather than starting on any language about the dark age.

:05:08. > :05:10.At least six people have been injured, one of them seriously,

:05:11. > :05:12.in an explosion at a house in Greater Manchester.

:05:13. > :05:14.Firefighters were called to the terraced property

:05:15. > :05:16.in Ashton-under-Lyne just after 5 o'clock this morning.

:05:17. > :05:21.The cause of the explosion is not yet known.

:05:22. > :05:24.More pupils from Scotland have got a university place on exams results

:05:25. > :05:34.Ucas told the BBC that more than 28,000 Scottish

:05:35. > :05:35.students had successfully secured their courses.

:05:36. > :05:37.Over 140,000 students in Scotland are receiving

:05:38. > :05:40.50 security experts in the United States have

:05:41. > :05:42.warned that, if elected, Donald Trump would be

:05:43. > :05:45.the most reckless President in American history.

:05:46. > :05:49.The group, many of whom served in the last Republican

:05:50. > :05:52.administration under George W Bush, says Mr Trump "lacks

:05:53. > :05:54.the character, values and experience" to be president.

:05:55. > :05:59.He's accused them of being part of a "failed Washington elite".

:06:00. > :06:03.One of India's best-known political activists is ending

:06:04. > :06:09.Irom Sharmila has been force-fed through a tube

:06:10. > :06:13.She was protesting against a law that gives the Indian army sweeping

:06:14. > :06:17.powers to tackle an insurgency in her home region, Manipur.

:06:18. > :06:20.She says she's decided to stand in local elections as an independent

:06:21. > :06:24.Millions of families are just one pay cheque away

:06:25. > :06:26.from losing their home, according to the housing

:06:27. > :06:31.It blames high housing costs for leaving so many people

:06:32. > :06:36.The cost of housing takes a big chunk out of many people's budgets.

:06:37. > :06:38.For some, costs are so high and their savings so small

:06:39. > :06:43.that they are only one pay cheque away from homelessness.

:06:44. > :06:47.In a joint survey with YouGov, the housing charity Shelter found

:06:48. > :06:51.that many families were living on the brink.

:06:52. > :06:54.We already know that there are more than 16 million working adults

:06:55. > :07:02.It means that many parents fear their children will be left

:07:03. > :07:06.without a roof over their heads if they lose their job

:07:07. > :07:11.Shelter is calling on the Government to improve the welfare safety net

:07:12. > :07:13.so that families don't lose their homes.

:07:14. > :07:15.The support that's available for working people when they fall

:07:16. > :07:17.behind with their rent is not necessarily keeping pace

:07:18. > :07:23.So people can get some help but it's not enough help, and we want to make

:07:24. > :07:26.sure that there is enough help there that people,

:07:27. > :07:29.if they lose their job, they can keep on paying their rents

:07:30. > :07:37.The survey found that, if they have lost their job,

:07:38. > :07:41.23% of families said they would immediately be unable

:07:42. > :07:45.37% would be unable to last more than a month.

:07:46. > :07:48.And 48% of families said that housing was their single biggest

:07:49. > :07:54.Shelter says it is talking to parents every day

:07:55. > :07:56.who face homelessness just because their income has taken

:07:57. > :08:04.Hundreds of thousands of travellers using Southern Rail train services

:08:05. > :08:13.The RMT union is staging a five-day strike over plans to make drivers,

:08:14. > :08:17.rather than conductors, operate train doors.

:08:18. > :08:20.Around four in ten shops in England are breaking the law by selling

:08:21. > :08:22.e-cigarettes and vaping liquids to children.

:08:23. > :08:24.Trading Standards officers carried out test purchases

:08:25. > :08:27.at more than 630 retailers, including independent pharmacies,

:08:28. > :08:31.and found 40% were prepared to sell the products to under-18s,

:08:32. > :08:40.even though this became illegal last year.

:08:41. > :08:43.Team GB is currently tenth in the Rio Olympics medal table,

:08:44. > :08:46.with two more bronze medals won overnight.

:08:47. > :08:48.The divers Tom Daley and Dan Goodfellow came third

:08:49. > :08:51.Dan Goodfellow's coach, Marc Holdsworth, says

:08:52. > :09:05.I'm overwhelmed, emotional, and extremely proud of what they've

:09:06. > :09:09.achieved in such a short space of time.

:09:10. > :09:15.That is a summary of the latest, Moore at 10:30am.

:09:16. > :09:18.So what are the red marks on some of the Olympic atheletes that have

:09:19. > :09:22.The greatest Olympian of all time, swimmer Michael Phelps,

:09:23. > :09:26.has been seen covered in red circles.

:09:27. > :09:28.It's called cupping, and we are going to show

:09:29. > :09:32.you what it is and find out if there is any truth in the claims

:09:33. > :09:36.that the ancient therapy can ease aches and pains.

:09:37. > :09:41.Lots of you talking about the news today that your banks are going to

:09:42. > :09:48.have to change the way they operate in order to make sure they are more

:09:49. > :09:53.value for money, effectively. Let me find... Here we go, tweet from

:09:54. > :09:56.marketing. If you take money without permission, how can you complain

:09:57. > :10:02.when you get charged for doing it? That is a the fees that banks at the

:10:03. > :10:06.moment are able to charge for unauthorised overdrafts. A tweet

:10:07. > :10:13.from SteveBanks are in business to make money, customers should be

:10:14. > :10:16.managing their money, not bleating about charges.

:10:17. > :10:20.Another says, banks should be broken up. And then he says, I would love

:10:21. > :10:25.it if banks provided invoicing facilities like this -- for the

:10:26. > :10:33.self-employed, like PayPal. Melissa says, I have been put into a plan

:10:34. > :10:35.for unauthorised overdraft charges after being overdrawn by 50p, the

:10:36. > :10:37.charge was ?75. Do get in touch with us

:10:38. > :10:40.throughout the morning - If you text, you will be charged

:10:41. > :10:44.at the standard network rate. Let's start with the GB

:10:45. > :10:47.success on day three. Tom Daly and dive partner

:10:48. > :10:50.Dan Goodfellow winning bronze Daly added to the bronze he won

:10:51. > :10:54.in the individual event Joining us this morning is Frankie

:10:55. > :11:06.del Celo, former Team GB diver He will be pleased with that? He

:11:07. > :11:10.will be ecstatic, if I am this happy I cannot imagine what he will be

:11:11. > :11:14.like! What people tend to forget is that we are fortunate to be funded

:11:15. > :11:18.by UK Sport but we have got to meet targets as well and this medal has

:11:19. > :11:23.helped that. The pressure is off again for his final event, Dan on

:11:24. > :11:28.the other hand, first Olympics, it should think in about now that he is

:11:29. > :11:41.an Olympic medallist. Let's remind ourselves how they did it, you

:11:42. > :11:44.talked about the pressure, there was a lot of pressure on them because

:11:45. > :11:47.they did it with the last dive. How hard would it have been knowing the

:11:48. > :11:49.medal was at stake in the final dive? It is very pressurised but you

:11:50. > :11:52.have to think, it is never over until it is over. They are still in

:11:53. > :11:57.competition... How difficult is it to stay in position? How hard is it

:11:58. > :12:01.to execute that perfectly? By now it should be easy with all the hard

:12:02. > :12:06.work and dedication up until now, it is paying off. It should be

:12:07. > :12:10.relatively easy to stay synchronised but with all the hard work they have

:12:11. > :12:14.had to really get to know each other and they have only been together

:12:15. > :12:19.since last October, they have done is very, very good job here. With

:12:20. > :12:23.that in mind, the fact that they only started diving together last

:12:24. > :12:26.October, Dan has been staying with Tom in London in the build-up to try

:12:27. > :12:32.to improve and help their preparation. Sum up this achievement

:12:33. > :12:36.in light of that, the fact they have not been diving together for that

:12:37. > :12:42.long? It is a massive achievement. The whole field out there, they have

:12:43. > :12:47.all been diving far, far longer than Tom and Dan, and Tom, a couple of

:12:48. > :12:52.years back, saw Synchro is a bit of, yes, I will do it, but it won't be

:12:53. > :12:56.important, but now he has come out with an medal so it is a great

:12:57. > :13:02.achievement for them both, the Team GB, and for British diving as a

:13:03. > :13:05.whole. We know that Tom will go again in the ten metre individual

:13:06. > :13:09.platform event, he won the bronze four years ago in London. With the

:13:10. > :13:16.medal under his belt, will that help him going into that event? He should

:13:17. > :13:22.feel a little bit more confident going into that event, he has

:13:23. > :13:26.already done four of his dives so because he has practised in the

:13:27. > :13:30.competition all he has to do is do them again. He was very cool out

:13:31. > :13:34.there, I see him train all the time and in competition he looked so

:13:35. > :13:39.comfortable. It is good to watch as a viewer and as a friend Wehrlein

:13:40. > :13:44.nervous for them both, but I felt like, he has got it under his belt.

:13:45. > :13:48.Going into that last event, hopefully he will feel happy with

:13:49. > :13:52.what he has done so far and put it all together, and he has got a

:13:53. > :13:55.brilliant shot at getting another medal, so all the best to him.

:13:56. > :13:57.Frankly, many thanks indeed for that.

:13:58. > :14:00.Team GB's second medal of the day came courtesy of a 33-year-old

:14:01. > :14:05.Ed Ling won a shoot-off to get into the bronze medal match

:14:06. > :14:10.and then beat David Kostelecky of the Czech Republic to take it.

:14:11. > :14:17.He'll be returning to Somerset this week to bring in the harvest.

:14:18. > :14:19.Great Britain's men just missed out on a gymnastics medal,

:14:20. > :14:27.Louis Smith's fall on the pommel horse ended British hopes

:14:28. > :14:28.of repeating their bronze from London 2012.

:14:29. > :14:36.Japan took gold ahead of Russia and China.

:14:37. > :14:39.And there was a fourth-placed finish for James Guy in the 200m

:14:40. > :14:45.freestyle - he'd also been considered a good medal prospect.

:14:46. > :14:47.Gold went to China's Sun Yang, with 2012 winner Chad

:14:48. > :14:53.Russian swimmer Yulia Efimova was only cleared to compete

:14:54. > :14:56.at the Games on Saturday after serving a doping ban -

:14:57. > :15:00.but she must have been taken aback by the reception she received before

:15:01. > :15:18.Efimonva was beaten into silver by the American teenager Lilly King,

:15:19. > :15:21.who'd been quite vocal in her feelings about the Russian.

:15:22. > :15:29.She broke the Olympic record to win.

:15:30. > :15:31.It's rumbled on all summer, but finally,

:15:32. > :15:36.Manchester United have spent a world record ?89 million to bring

:15:37. > :15:40.Paul Pogba back to Old Trafford from Italian Champions Juventus.

:15:41. > :15:43.The club confirmed the signing of the 23-year-old France midfielder

:15:44. > :15:50.Pogba has signed a five year deal, saying he was delighted to rejoin

:15:51. > :15:56.the club which has always had a special place in his heart.

:15:57. > :16:09.He was at left back in 2012 for just ?1.5 million. -- he left back in.

:16:10. > :16:14.John Stones has been mandatory -- mentioned in the Champions League

:16:15. > :16:18.squad for Man City, published on the Uefa website. He has not signed for

:16:19. > :16:22.them yet. Whether or not this means he has, we do not know at this

:16:23. > :16:25.stage. We will have more on that as we get it.

:16:26. > :16:31.We will talk about the fact that more than 140,000 Scottish pupils

:16:32. > :16:34.will get their exam results today. Also, this story...

:16:35. > :16:36.A gay pensioner is fighting to win his husband the same pension

:16:37. > :16:39.rights a wife would enjoy if he was in a heterosexual

:16:40. > :16:43.For 23 years, John Walker has been in a same-sex relationship

:16:44. > :16:46.with his partner and he wants to ensure that, should he die first,

:16:47. > :16:49.his husband will be adequately provided for.

:16:50. > :16:51.After Mr Walker retired, he checked with his employer

:16:52. > :16:54.about the "survivor benefits" from his final salary pension.

:16:55. > :16:57.He was told that if he died, his partner would only get

:16:58. > :17:04.Yet if John had married a woman and were to die tomorrow,

:17:05. > :17:05.she would be get around ?50,000 a year.

:17:06. > :17:08.Yet the company were not breaking any laws.

:17:09. > :17:10.John Walker is here now in his first TV interview

:17:11. > :17:13.along with his solicitor, James Welch.

:17:14. > :17:23.Good morning. This is discrimination, pure and simple?

:17:24. > :17:28.Why? I worked with this company for 23 years and it did not matter if I

:17:29. > :17:33.was a man or a woman, gay or straight, at the end of it, part of

:17:34. > :17:37.the benefits of working for the company was a final salary pension

:17:38. > :17:44.scheme, part of that are spousal rights which allows your spice, if

:17:45. > :17:48.you predeceased him or her, in this case, a woman, it was before the

:17:49. > :17:53.Civil Partnership Act, they would get up to two thirds of your pension

:17:54. > :18:03.for the rest of their lives. But because my partner, now my husband,

:18:04. > :18:07.is not a female, he will get Amir ?500 or ?600, whereas if I was to

:18:08. > :18:14.divorce my husband as married first woman that would have me, she would

:18:15. > :18:19.get ?50,000 a year, it seems unfair and absurd. James, what is the law

:18:20. > :18:22.here? The reason they do this is because there is an exemption in the

:18:23. > :18:29.Equality Act which allows companies with the pension scheme to restrict

:18:30. > :18:36.pensions paid to surviving spouses, to benefits accrued on a basis of

:18:37. > :18:40.contributions paid since 2005. Which is when the Civil Partnership Act

:18:41. > :18:46.Cayman? Report the government did a couple of years ago suggests about

:18:47. > :18:50.27% of employees are still doing this -- employers. There is a

:18:51. > :18:55.statutory basis on which they can do this and it is an inequality that

:18:56. > :19:00.remains in the log and we feel it is important to challenge it. Plenty of

:19:01. > :19:05.big companies do provide the pension rights you are fighting for, BT,

:19:06. > :19:11.Royal Mail, BP, it can be done? It is simply choice? Over Edinburgh

:19:12. > :19:15.centre companies have said they will simply equalise, exactly the same,

:19:16. > :19:22.whether you are heterosexual or homosexual. You have been trying to

:19:23. > :19:27.achieve this for nearly ten years? What kind of impact hasn't had on

:19:28. > :19:34.you and your husband? Inevitably it is quite stressful, the real problem

:19:35. > :19:39.is does not allow to maximise, I am live a pensioner, to maximise our

:19:40. > :19:43.enjoyment in life because it is uncertain as to whether he will have

:19:44. > :19:51.any significant income from my pension scheme if I predeceased him.

:19:52. > :19:59.And you are a bit older? 30 years older. Statistically, I will. And

:20:00. > :20:06.that concerns me because it could be quite considerably before his life

:20:07. > :20:10.expectancy and he is left with no income whatsoever. Whereas, if I

:20:11. > :20:14.knew he would get exactly the same income as he would if he was a

:20:15. > :20:19.woman, we would not have to worry about making alternative

:20:20. > :20:23.arrangements. John has had some knock backs. Where are you up to in

:20:24. > :20:29.terms of the legal case? We know that in the Supreme Court there will

:20:30. > :20:33.probably be in November, when it... You have just been given permission

:20:34. > :20:38.to appeal in the Supreme Court? We heard that a couple of weeks ago.

:20:39. > :20:42.The court is planning to hold a hearing in November, it might get

:20:43. > :20:46.delayed but we hopefully will have a decision early next. Why do you

:20:47. > :20:50.think the Department of Work and Pensions have come in on this case

:20:51. > :20:55.to fight watch John is trying to achieve? The government protecting

:20:56. > :20:58.legislation. It is unfair that we have brought proceedings against the

:20:59. > :21:01.employer of John because they are doing what the law allows them so

:21:02. > :21:06.the government is arguing to protect its own legislation, this government

:21:07. > :21:12.or the previous government, that sponsored the Equality Act which has

:21:13. > :21:16.this exemption. Presumably, also because, if the exemption is

:21:17. > :21:21.quashed, which is what you want, equalisation would be going on, not

:21:22. > :21:27.just in private sector but public sector pensions, which could cost

:21:28. > :21:31.billions? Not billions, we did report and try to calculate the

:21:32. > :21:35.costs of this and reckoned that equalising the position in relation

:21:36. > :21:44.to private employers and equalising gay and lesbian couples with other

:21:45. > :21:47.couples would cost ?1.1 billion. Given the amount of pension

:21:48. > :21:54.liabilities, that is not a great deal. Is this a test case? If John

:21:55. > :22:00.Baines this, or losers, it affects other couples? People have been in

:22:01. > :22:04.touch with John, and ourselves, there are lots of other couples that

:22:05. > :22:08.this affects and we have taken this case on and hope to establish a

:22:09. > :22:12.precedent that others can rely on. Sam says, we live in 2016 and still

:22:13. > :22:19.the matter of gay rights is never far away. Doesn't seem astonishing

:22:20. > :22:27.to you that in Britain in 2016 you have to fight this battle at all? It

:22:28. > :22:33.is amazing. The most recent Prime Minister, David Cameron, talked

:22:34. > :22:38.about relationships, commitments, and making commitments to your loved

:22:39. > :22:43.ones. And yet, he is not prepared to back that up by supporting, having

:22:44. > :22:47.done that in the case of the pension, but if I married the first

:22:48. > :22:52.Lady that will have they, she will get a full pension. It seems absurd

:22:53. > :22:56.and what is ridiculous, bearing in mind that my pension scheme is

:22:57. > :23:02.contributory, I have contributed exactly the same as the chap next

:23:03. > :23:05.door and in the office next door. We have contributed the same and the

:23:06. > :23:10.fact that he marries a woman and I marry a man, he gets full rights and

:23:11. > :23:15.I do not, that seems completely absurd. Well, you retired in two

:23:16. > :23:22.years before the Civil Partnership Act Cayman, 2005, as we have said,

:23:23. > :23:28.and that act only requires firms to provide the same benefit to civil

:23:29. > :23:32.partners made from 2005 onwards. By which time I was drawing my pension

:23:33. > :23:36.and not contributing. But I have contributed exactly the same as

:23:37. > :23:40.other people. He talked about other people who have got in touch with

:23:41. > :23:45.you. Since taking on this fight, what has the response been from

:23:46. > :23:50.others? Hugely supportive. Quite recently there was a major newspaper

:23:51. > :23:53.article highlighting the problem I have, which laid out very clearly,

:23:54. > :23:58.and a number of people have contacted me supporting what we are

:23:59. > :24:05.doing. The sad thing is, it is not only me, I'm still relatively young,

:24:06. > :24:08.others are much older and there are dying every week you are in similar

:24:09. > :24:11.situations to me, they have been with their partners and made

:24:12. > :24:14.commitments for many years and they are dying and their partners are

:24:15. > :24:18.getting next to nothing or nothing at all. If they had been married to

:24:19. > :24:24.a woman, they would get full rights. It is just absurd. We will follow

:24:25. > :24:35.what happens in the Supreme Court in November. Early November. Thank you

:24:36. > :24:38.both for coming on the programme. Around 140,000 Scottish pupils are

:24:39. > :24:43.getting exam results this morning. We can speak to Jamie McIvor in

:24:44. > :24:50.Glasgow. What can you tell us? This is a big day of the year for schools

:24:51. > :24:53.in Scotland, an interesting situation, with the exams because

:24:54. > :24:57.over the past three years the qualification system here has been

:24:58. > :25:02.through a massive shake-up. This is the year when it starts to settle

:25:03. > :25:07.down. Only the new qualifications are on offer so what are the

:25:08. > :25:10.results? They have been published within the past hour, candidates

:25:11. > :25:15.have been getting them by text or e-mail since eight o'clock this

:25:16. > :25:25.morning. Even though some are waiting by post. We looked at the

:25:26. > :25:33.Highers, the gold standard. 197th thousand entries this year, 77.2%

:25:34. > :25:36.were successful. Broadly in line with previous years. Having said

:25:37. > :25:40.that, there were some issues with identifying. Problems which could

:25:41. > :25:47.have happened this year which do not seem to have happened. One concerns

:25:48. > :25:51.the mathematics, there was a big problem with the Higher mathematics,

:25:52. > :25:57.it was so hard the past mark had to come down from the usual 50% to just

:25:58. > :26:01.34%. They have been looking very closely at what went wrong with the

:26:02. > :26:11.exam and this year the pass mark is back up to around about 50%. There

:26:12. > :26:15.was also a potential issue with the Higher English, one paper had to be

:26:16. > :26:19.replaced against a tight deadline because there were concerns the exam

:26:20. > :26:23.could have leaked. That did not seem to lead to any concerns for

:26:24. > :26:30.candidates, the pass mark was again 50%. These big issues seem to have

:26:31. > :26:32.been averted. Thank you. Our Education Correspondent.

:26:33. > :26:35.Labour Party officials are planning to challenge a High Court ruling

:26:36. > :26:38.which says that members who have recently joined can vote

:26:39. > :26:51.Two members who paid the extra ?25 want their money back?

:26:52. > :26:54.And why is the most decorated Olympian of all, Michael Phelps,

:26:55. > :26:58.We'll show you what cupping is, and discuss the fact that there's

:26:59. > :27:10.little hard evidence to show that it takes away your aches and pains.

:27:11. > :27:16.We will also talk to a midwife about the fact that Jools Oliver a lighter

:27:17. > :27:22.older girls to witness the birth of their little baby brother.

:27:23. > :27:26.Congratulations to the family. So many of you did the same thing.

:27:27. > :27:29.Andrew, my seven-year-old stepdaughter watched my daughter

:27:30. > :27:34.being born, it was a fantastic experience. Community midwives

:27:35. > :27:38.involved and explained what was happening. A student midwife also

:27:39. > :27:42.present explained all the parts of the afterbirth to her. It was a good

:27:43. > :27:47.test for the student expending how it works too fascinated

:27:48. > :27:50.seven-year-old. It was wonderful. This from Jan, people who do not see

:27:51. > :27:54.the beauty in having a daughter with you at the birth should remember

:27:55. > :27:56.that in the dark ages and before, it fell to your daughter and family

:27:57. > :27:58.females to assist the birth. With the news, here's Annita

:27:59. > :28:03.in the BBC Newsroom. High street banks have been ordered

:28:04. > :28:07.to revolutionise their technology The Competition and Markets

:28:08. > :28:11.Authority wants people to be able to manage accounts held

:28:12. > :28:13.with different providers Banks will also have

:28:14. > :28:18.to cap their monthly charges China's ambassador to the UK has

:28:19. > :28:25.warned that Britain's relationship with China could be at risk

:28:26. > :28:27.if the Hinkley Point nuclear Writing in the Financial Times,

:28:28. > :28:32.he said the two countries were at a "crucial

:28:33. > :28:34.historical juncture". Last month, the Government announced

:28:35. > :28:37.that it will delay making a decision At least six people have been

:28:38. > :28:42.injured, one of them seriously, in an explosion at a house

:28:43. > :28:45.in Greater Manchester. Firefighters were called

:28:46. > :28:48.to the terraced property in Ashton-under-Lyne just after 5

:28:49. > :28:50.o'clock this morning. The cause of the explosion

:28:51. > :28:54.is not yet known. 50 security experts

:28:55. > :28:57.in the United States have warned that, if elected,

:28:58. > :28:59.Donald Trump would be the most reckless President

:29:00. > :29:02.in American history. The group, many of whom served

:29:03. > :29:05.in the last Republican administration under George W Bush,

:29:06. > :29:07.says Mr Trump "lacks the character, values

:29:08. > :29:09.and experience" to be president. He's accused them of being part

:29:10. > :29:15.of a "failed Washington elite". Team GB is currently tenth

:29:16. > :29:18.in the Rio Olympics medal table, with two more bronze

:29:19. > :29:21.medals won overnight. The divers Tom Daley

:29:22. > :29:28.and Dan Goodfellow came third Dan Goodfellow's coach,

:29:29. > :29:31.Marc Holdsworth, says I'm overwhelmed, emotional,

:29:32. > :29:36.and extremely proud of what they've achieved in such

:29:37. > :29:45.a short space of time. That's a summary of the latest

:29:46. > :29:59.news, join me for BBC Let's get the sport. It was

:30:00. > :30:06.interesting talking to the coach. There is no secret, it is just hard

:30:07. > :30:12.work. Really straightforward. Absolutely. To execute that, their

:30:13. > :30:16.last dive, and the problems medal depended on that's it execute after

:30:17. > :30:20.year one shot at getting that medal, that was an incredible performance.

:30:21. > :30:24.And it was a tense wait. To discover if they had won the bronze medal.

:30:25. > :30:27.They sealed it on their final dive - to move ahead of the Germans

:30:28. > :30:34.who knew the GB pair had done enough.

:30:35. > :30:36.Daley and Goodfellow still had to wait for the judges scores,

:30:37. > :30:49.but delight when they leaned bronze was theirs.

:30:50. > :30:52.GB's second bronze came in the men's trap shooting,

:30:53. > :30:57.He had to win a shoot-off in the previous round to even reach

:30:58. > :31:09.But a special moment for him, competing at his third Olympics.

:31:10. > :31:12.There were near misses too - a mistake by Louis Smith

:31:13. > :31:15.on the pommel in the men's team final meant GB missed out

:31:16. > :31:26.That ended British hopes of emulating their bronze

:31:27. > :31:42.No medal - bronze or otherwise - for Great Britain's rugby sevens

:31:43. > :31:44.women's team as they lost to Canada 33-10 in

:31:45. > :31:48.The British women had already beaten the Canadians in the group stage

:31:49. > :31:57.Australia beat New Zealand in the final.

:31:58. > :32:00.And away from the Olympics, Jose Mourinho has got his man,

:32:01. > :32:12.but he's had to break the transfer world record.

:32:13. > :32:15.Paul Pogba has returned to Manchester United for a world

:32:16. > :32:30.I am sure Jose Mourinho is hoping that he will create some big

:32:31. > :32:31.performances for them so that they can challenge for some trophies this

:32:32. > :32:35.year. Labour party officials

:32:36. > :32:38.will challenge a High Court ruling which says that members who have

:32:39. > :32:41.recently joined CAN vote The party's National Executive

:32:42. > :32:47.Committee had banned anyone who signed up after 12th

:32:48. > :32:53.January from taking part in the vote - unless

:32:54. > :32:55.they paid an extra ?25. But the High Court ruling could mean

:32:56. > :32:58.up to 150,000 extra people will be given the opportunity to choose

:32:59. > :33:00.between Jeremy Corbyn and his challenger, Owen Smith,

:33:01. > :33:04.in the Labour leadership election. Let's speak to three

:33:05. > :33:06.people who paid that ?25 and are wondering if they'll get

:33:07. > :33:13.that money back. Martin Campbell is in Nottingham

:33:14. > :33:15.supports Jeremy Corbyn. Jude Walker is in Bristol supports

:33:16. > :33:16.Owen Smith. And Zita Holbourne

:33:17. > :33:28.supports Jeremy Corbyn. Martin, you were not happy about

:33:29. > :33:33.paying the ?25 in the first place, why? Because when I signed up it was

:33:34. > :33:36.quite obvious on the website that part of becoming a member was

:33:37. > :33:40.getting to vote in leadership elections in the first place. Did

:33:41. > :33:46.you sign up specifically to support Jeremy Corbyn? Yes I did, because

:33:47. > :33:52.Jeremy Corbyn presents a chance for the Labour Party to go back to

:33:53. > :33:55.values that they had previously and become left-wing again. I feel like

:33:56. > :34:00.Jeremy Corbyn needs that support. Are you one of those who thinks he

:34:01. > :34:05.could beat Theresa May when the next general election is held? Provided

:34:06. > :34:11.the Parliamentary Labour Party gets behind him, yes. That is a big

:34:12. > :34:18.proviso, isn't it? It is, but I feel I with Unite coming out and saying

:34:19. > :34:26.they back the reselection of MPs that tried to get raped, I feel that

:34:27. > :34:31.could help. Zita, you were cross at paying the ?25? Absolutely, I have

:34:32. > :34:35.joined the Labour Party, I am paying my membership fee, I should not have

:34:36. > :34:39.to pay an additional amount on top of that. The Labour Party is

:34:40. > :34:43.supposed to be a Socialist democratic organisation that stands

:34:44. > :34:46.for equality and fairness, and this decision flies in the face of that.

:34:47. > :34:56.Do you want your money back? Absolutely! When did you join? I

:34:57. > :35:00.joined in mid-June. This year. I signed up as a supporter last year,

:35:01. > :35:04.as a campaigner I have worked alongside Jeremy Corbyn so I have

:35:05. > :35:08.seen first-hand the work you does, he shares a lot of the same values

:35:09. > :35:12.as me, but I joined because I wanted to participate in the Labour Party

:35:13. > :35:15.and make a difference and get involved, because I could see the

:35:16. > :35:20.Labour Party has changed under Jeremy Corbyn's leadership and I

:35:21. > :35:26.felt it is a party I can now be involved in be active in. Because of

:35:27. > :35:30.this ruling, albeit there is a legal challenge, as we know, but because

:35:31. > :35:34.of this all the bookies are now saying that, in a way, there is no

:35:35. > :35:38.point in the leadership contest because Jeremy 's -- Jeremy Corbyn

:35:39. > :35:45.is a dead cert to win it? I think you will, it is a waste of time for

:35:46. > :35:50.the NEC to appear late and use members' money, including those ?25

:35:51. > :35:53.fees they took off individuals like myself, to fight a legal case which

:35:54. > :35:59.will cost hundreds of thousands, it is disgusting that money that could

:36:00. > :36:03.be better used fighting for our rights, the Justice, equality,

:36:04. > :36:12.fairness and against austerity. Jude, you left the party last year

:36:13. > :36:18.and rejoined in June. Tell us why? Yes, good morning. We have been

:36:19. > :36:23.lifelong supporters and actively working for the Labour Party, unlike

:36:24. > :36:31.a lot who have obviously just joined the bandwagon in the past few

:36:32. > :36:38.months. We left following the autumn of giving Corbyn a child and seeing

:36:39. > :36:45.him fail abysmally at being a leader -- giving Corbyn a chance. We left

:36:46. > :36:50.the Labour Party and, following the referendum and the leadership

:36:51. > :36:54.challenge, we decided to rejoin. We rejoined as full members and have

:36:55. > :37:00.since paid also the ?25. But I'm not worried about the ?25, that is

:37:01. > :37:06.immaterial. I think there are bigger questions to be asked here, and what

:37:07. > :37:12.I would say is I have heard this morning that we are looking at maybe

:37:13. > :37:16.over 50% of those new members from January may indeed be supporting

:37:17. > :37:24.Owen Smith. Where have you heard that from? That has come from a

:37:25. > :37:31.source that I couldn't possibly name, but it is not the bleak

:37:32. > :37:36.picture which is being painted, and I certainly, as well, from evidence,

:37:37. > :37:42.I am supporting Owen Smith, of course, because we want a credible,

:37:43. > :37:45.electable leader and a Labour Government, and on the phone banks

:37:46. > :37:52.we are seeing a lot of buyers remorse from people who voted for

:37:53. > :38:00.Corbyn and also a lot of the new people who are saying, we are not

:38:01. > :38:06.convinced at all that Corbyn can win any election. Let me bring in Zita

:38:07. > :38:09.and Martin, how do you feel as being described as someone who has jumped

:38:10. > :38:14.on the bandwagon? I joined the Labour Party when I was a teenager

:38:15. > :38:18.at the age of 14, I was a member for many years so I have been out of the

:38:19. > :38:23.Labour Party the ten years and have rejoined, so I have not jumped on a

:38:24. > :38:34.bandwagon, I am a community activist, trade union at best, I

:38:35. > :38:37.fight for equality, freedom of justice and rights every day of my

:38:38. > :38:39.life and I now see that the Labour Party is somewhere that I could take

:38:40. > :38:41.that fight and take my campaigning spirit into and work alongside

:38:42. > :38:47.like-minded people. Martin, have you jumped on the Corbyn bandwagon? In

:38:48. > :38:51.the time I have been able to vote, I have not had anyone like Corbyn that

:38:52. > :38:55.I have been able to vote for. I have not jumped on a bandwagon just

:38:56. > :38:58.because, but because I have been waiting for someone that represents

:38:59. > :39:01.my views and I have not had that before. Ed Miliband certainly did

:39:02. > :39:07.not provide that chance. Go on, Jude. You have to look at the

:39:08. > :39:13.evidence. Do you want a Labour Government or be a party of protest

:39:14. > :39:17.and placard wavers? Listening to John McTiernan on Newsnight last

:39:18. > :39:23.night... A former Tony Blair at Pfizer? Yes, but he is saying that

:39:24. > :39:28.Corbyn is not sellable on the doorstep. We worked hard for Ed

:39:29. > :39:32.Miliband in 2015 and the message then was that Ed Miliband was way

:39:33. > :39:38.ahead in popularity stakes compared to Corbyn, who is on -18%

:39:39. > :39:41.popularity, it is ridiculous. We were hearing on the doorstep then

:39:42. > :39:50.that we cannot vote for the local candidate because we have no faith

:39:51. > :39:57.in Miliband and Ed Balls. Last night, John McTiernan said, this is

:39:58. > :40:01.not sellable on the doorstep, what they will be offering is a

:40:02. > :40:07.defenceless Britain without Trident, no plan for the economy, and, in

:40:08. > :40:18.John McTiernan's words, someone who is linked to the IRA, was an IRA

:40:19. > :40:23.civilise, and also has... At that, Martin, you looked aghast, the

:40:24. > :40:27.reference to the IRA? Yes, this constant bias against Corbyn, trying

:40:28. > :40:33.to paint him as some form of extremist, you see it all the time.

:40:34. > :40:39.There was one period leading up to his original leadership win when 42%

:40:40. > :40:49.of news articles painted him as a communist. This massive bias against

:40:50. > :40:54.him is absurd. Can I come back on one question to both people... I'm

:40:55. > :40:57.sorry, I have to pause it there, we will definitely discuss this subject

:40:58. > :41:03.again because the leadership contest carries on throughout the summer,

:41:04. > :41:12.but I thank you for your time this morning, thank you all for coming on

:41:13. > :41:16.the programme. In the last 20 minutes or so of the

:41:17. > :41:20.programme, why is the most decorated Olympian of all, Michael Phelps,

:41:21. > :41:25.following the fact of cupping? We will show you what it is and talk

:41:26. > :41:28.about the fact that it is an ancient form of Chinese medicine, and ask a

:41:29. > :41:30.scientist if there is any evidence to show that it takes away your

:41:31. > :41:39.aches and pains. Many of you have got in touch about

:41:40. > :41:43.Jools Oliver having two of her children present at the birth of

:41:44. > :41:47.their fifth child. She posted on social media how happy she was that

:41:48. > :41:51.she could involve her two eldest daughters, 13 and 14, in the birth,

:41:52. > :41:56.they could the umbilical chord of their baby brother. One or two, but

:41:57. > :42:02.not many, have raised eyebrows at that. Most of you saying, this is a

:42:03. > :42:04.really, really good idea, why should this happen more? Lets talk to

:42:05. > :42:16.various people about this. Vivian's daughter Jessica, aged

:42:17. > :42:20.four, watched her brother being born. He was born where we are

:42:21. > :42:24.sitting now, at home, and Jessica watched the whole process, she was

:42:25. > :42:27.brilliant and will tell the story today, if she was here she would

:42:28. > :42:37.tell it, it was amazing. How old was Jessica? Just four. You are kidding

:42:38. > :42:43.me?! Yes, she was amazing, she had a dummy, a blanket, she gave the

:42:44. > :42:48.blanket to help with some bird stuff, and she never looked back,

:42:49. > :42:53.she gave up that blanket, she loved it, she was the first to hold Luke.

:42:54. > :42:59.Brilliant, absolutely brilliant experience. How did you prepare her

:43:00. > :43:04.for it? She did watch some videos of births, she said she wanted to watch

:43:05. > :43:12.her baby sibling be born, so we thought, we had better prepare her,

:43:13. > :43:16.show her what is going on, and she was very happy, she loved it, and

:43:17. > :43:22.she loved the baby, she loves him now. She is -- if she is not a

:43:23. > :43:26.midwife, I would be surprised! Can I ask some personal questions, don't

:43:27. > :43:31.feel you have to answer, were you on your hands and knees, on your back,

:43:32. > :43:35.how were you? On my knees, actually, on the sober we are sitting but my

:43:36. > :43:44.knees were on the floor, he was born exactly here. Luke, can you hear me?

:43:45. > :43:50.Yes. What do you think about the fact that your older sister was able

:43:51. > :44:01.to watch you being born? Do you think it is good? Yes, it is good.

:44:02. > :44:05.What does Jessica tell you about it? She was the first to hold me.

:44:06. > :44:07.Let's speak to former midwife and lecturer

:44:08. > :44:09.in midwifery Jeanne Lythgoe, who's had experience of kids

:44:10. > :44:22.It sounds a bit ominous, but clearly not? No, I have not got much

:44:23. > :44:26.experience of the children cutting the cord, but I have got experience

:44:27. > :44:29.of children being at the birth and being around at the time of the

:44:30. > :44:36.birth. What do you think of the idea? It is usually much more common

:44:37. > :44:41.in homebirths, and that is because that is the home environment, the

:44:42. > :44:44.children live there and often that is one of the reason mothers choose

:44:45. > :44:49.a home birth, because they want to be with their children around and

:44:50. > :44:53.not have to leave their children at home. They obviously need care, you

:44:54. > :44:57.need somebody there who can care just for the children so that

:44:58. > :45:04.whoever is supporting mum in labour isn't having to be distracted and

:45:05. > :45:09.the children have to have their needs met, so it has to be done in a

:45:10. > :45:14.very organised way, and the children do have to be prepared. What are the

:45:15. > :45:19.disadvantages, if there are any? I'm not sure, I think if children were

:45:20. > :45:22.not prepared and were frightened or found it distressing because mum was

:45:23. > :45:27.perhaps distracted with the contractions and things like that,

:45:28. > :45:32.but in my experience, particularly homebirth, it is usually the

:45:33. > :45:36.children are well prepared, they are around at the start of Labour, the

:45:37. > :45:40.preparation for labour, and there are usually relatives or friends

:45:41. > :45:44.there for the children, purely for the children, so I think it can be

:45:45. > :45:48.really positive. I had a message earlier from one woman who had

:45:49. > :45:52.people around her at home for the birth of her second, third and

:45:53. > :45:57.fourth child. At the birth of the fourth, there were 24 friends and

:45:58. > :46:04.family in the room! Well, I mean, bird is a celebration, -- birth is a

:46:05. > :46:08.celebration and it should probably be much more like that. Since birth

:46:09. > :46:12.moved away from the home into hospital, it is more difficult to

:46:13. > :46:16.achieve. Midwives try to make it as homely as possible but it is much

:46:17. > :46:21.more difficult, whereas in the past it would be difficult for lots of

:46:22. > :46:24.people to be around, maybe not in the room for the birth but being in

:46:25. > :46:30.the house, helping out, looking after the children, providing food

:46:31. > :46:33.and things, and it makes it more of a family event, a positive event,

:46:34. > :46:35.something people can look back on with a lot of joy for everybody,

:46:36. > :46:46.really. Thank you for talking to us. Slater Williams got in touch with

:46:47. > :46:51.us, her daughter was a birthing partner when she had her son,

:46:52. > :47:00.William. Thank you for coming onto programme. Britannia, good morning.

:47:01. > :47:06.And that has to be William? What an adorable little boy! Britannia, tell

:47:07. > :47:15.us what it was like helping give birth? At first I was afraid because

:47:16. > :47:24.I thought there would be a lot of blood and everything. I was afraid.

:47:25. > :47:30.But whenever I saw the baby, it changed my view of it. And I loved

:47:31. > :47:41.him instantly. Before I was excited but seeing the procedure has made us

:47:42. > :47:49.closer. Was there ever any moment when you that, I need to just leave

:47:50. > :47:53.the room for the second? Yes! At the start I was crying, I didn't think I

:47:54. > :48:04.could go through with it. I don't want to see you doing this. I did

:48:05. > :48:09.not get to see them cut her, only taking the baby out and I could see

:48:10. > :48:18.all of her organs and all of that. But seeing the baby coming from the

:48:19. > :48:23.worm itself... How was it for you? It was frightening because they gave

:48:24. > :48:28.natural birth to her. And it was so long, 18 years, it was a new

:48:29. > :48:36.experience for me. It was really an awkward feeling, after getting the

:48:37. > :48:42.epidural, not being able to move, I felt like was in a different world

:48:43. > :48:51.but it was an amazing experience. Britannia, does it put you off

:48:52. > :48:58.having children? Is not really, now that he is here, it is different.

:48:59. > :49:04.You have to honour the pain to get him here but it is worth it in the

:49:05. > :49:08.end. Thank you, all of you. Really nice to have you on the programme.

:49:09. > :49:12.And William, delicious William! Have a good day. Goodbye!

:49:13. > :49:14.Why are some Olympians covered in large red circles?

:49:15. > :49:16.A number of them - including the most decorated

:49:17. > :49:21.Olympic athlete of all time, Michael Phelps -

:49:22. > :49:23.have been photographed with big red dots on their skin -

:49:24. > :49:34.And here's his US compatriate, gymnast Alex Naddor.

:49:35. > :49:38.It's as a result of cupping - the lastest fad for some Olympians

:49:39. > :49:41.and said to be an ancient form of chinese medicine.

:49:42. > :49:44.The cups produce suction and pull the skin away from the body

:49:45. > :49:46.apparently promoting blood flow - leaving those red spots,

:49:47. > :49:48.which typically last for three or four days.

:49:49. > :49:52.Athletes say they are using it to ease aches and pains.

:49:53. > :49:57.There's little hard evidence to show cupping works, and in fact one

:49:58. > :49:59.of our next guests, David Colquhoun, professor of pharmacology

:50:00. > :50:02.at University College London says there's no science behind it

:50:03. > :50:11.Let's introduce Rizwhan Suleman, he teaches a form of cupping

:50:12. > :50:14.at a place in Leicester and Aaron Ottley, who's going to be

:50:15. > :50:38.Hello! Tell us what we can see on his back. And what is the point?

:50:39. > :50:43.What we're demonstrating is a simple cupping procedure. This is cupping

:50:44. > :50:47.therapy and there are different forms, we're demonstrating dry

:50:48. > :50:52.cupping. And the procedure is straightforward. The concept is

:50:53. > :50:58.simple. A mechanical vacuum, you can use heat and other ways of creating

:50:59. > :51:02.suction but we're basically using a mechanical pump, with the valve and

:51:03. > :51:06.a suction cup and reapply them together and create suction, and by

:51:07. > :51:14.sucking out the air, it is very simple. It pulls up the skin and

:51:15. > :51:24.makes that mark. Are you OK? Yes. It just feels like a nice stretch, we

:51:25. > :51:28.feel relaxed. Relaxed? That is the vacuum, pulling the skin. What is

:51:29. > :51:34.the point of it? Generally, people find it very relaxing and it does

:51:35. > :51:39.lots of things. We can see from what is happening that there is something

:51:40. > :51:43.going on, it is not a simple placebo, there are physiological

:51:44. > :51:47.things happening. With suction we have negative pressure so when we

:51:48. > :51:51.have injuries and we have tissue damage we have a phenomenon known as

:51:52. > :51:54.information and when information happens you get more blood in an

:51:55. > :51:58.area and you often get pressure in that area and where the tissue

:51:59. > :52:02.becomes pressurised, you often get nerve endings that stretch because

:52:03. > :52:06.we are made up of a closed system, there was nowhere for that to go

:52:07. > :52:11.easily. Often we get swelling and a simple example is if you sprained

:52:12. > :52:16.ankle, you will feel it swelling up and that tightness causes a lot of

:52:17. > :52:21.pain. What is your background? You are registered chiropractor? Cupping

:52:22. > :52:28.is unregulated. Presumably anybody can do that? Cupping therapy is done

:52:29. > :52:33.under voluntary self-regulation. Just like acupuncture or massage

:52:34. > :52:42.therapy or various other types of complementary therapy. My background

:52:43. > :52:46.is in chiropractic medicine and the concept is the same, looking for

:52:47. > :52:52.natural ways to help the body heal itself. We can bring in the

:52:53. > :53:00.Professor. Is there any science behind this at all? No, I'm afraid

:53:01. > :53:06.what you have just been told is entirely hocus-pocus. Not surprising

:53:07. > :53:11.chiropractor because that is disproving itself, it was the

:53:12. > :53:16.subject of a court case recently. When Simon Singh defined it as

:53:17. > :53:23.happily providing bogus treatments and he won the case in court. Thank

:53:24. > :53:27.heavens. No, it is just pulling up about his skin, it is not going to

:53:28. > :53:33.affect the muscles to any extent and taken to extreme it can cause harm.

:53:34. > :53:42.Is usually just a voluntary tax on the gullible. How do you respond to

:53:43. > :53:52.that? Taxing the gullible? Everything will have opposition and

:53:53. > :53:59.we have it here. In general, such is cupping and chiropractic medicine,

:54:00. > :54:05.it is something which is recommended by the NICE guidelines. It has been

:54:06. > :54:09.withdrawn. GPs recommend it and encourage patients to seek... The

:54:10. > :54:16.professor said that has been withdrawn from the NICE guidelines?

:54:17. > :54:18.It never was recommended by NICE. They recommended manipulative

:54:19. > :54:21.therapy, they did not mention chiropractic and that has been

:54:22. > :54:27.removed entirely. You're very out date. I had looked at the 2012

:54:28. > :54:32.review of cupping and it said studies that had been reviewed

:54:33. > :54:38.generally were of low quality and more research was needed? What I

:54:39. > :54:42.would say is that a good example is talking about maternity and

:54:43. > :54:47.childbirth. Science often takes a long time to catch up with what

:54:48. > :54:51.works and unfortunately, out of arrogance, the idea that we know

:54:52. > :54:54.everything and can prove and understand everything, we sometimes

:54:55. > :54:57.forget that sometimes the things which are known to have worked for a

:54:58. > :55:01.long time are actually very beneficial and what you will find,

:55:02. > :55:06.even in midwifery, we're going back to find out that lots of things that

:55:07. > :55:08.midwives have been practising for centuries are actually

:55:09. > :55:21.scientifically proven. You can see the professor shaking his head.

:55:22. > :55:27.Final word? ? There is no amount of anecdote that can supplant data,

:55:28. > :55:31.there is no proof. It has not been properly tested, acupuncture has

:55:32. > :55:37.been tested and shown not to work, most complementary therapies for

:55:38. > :55:40.them to either disproven, like acupuncture and chiropractic, or

:55:41. > :55:47.unproven, like cupping, people should not be selling unproven

:55:48. > :55:51.treatments for money. Are you OK? Not too bad! OK, thank you very much

:55:52. > :56:01.for showing us this. Thank you for your time. Thank you for being the

:56:02. > :56:05.man on the couch! Team GB has 14 medals. Tom Daley and Dan Goodfellow

:56:06. > :56:10.taking bronze. I spoke to Dan Goodfellow's diving

:56:11. > :56:12.coach, Marc Holdsworth, It is down to the number of

:56:13. > :56:16.accreditations the sport can have. Unfortunately I was one

:56:17. > :56:19.of the coaches that could not be there to support the rest of Team GB

:56:20. > :56:24.out in Rio, so I watched it in front of the television,

:56:25. > :56:32.which was a bit nerve-racking. But the boys did us proud,

:56:33. > :56:38.I'm overwhelmed, emotional, and extremely proud

:56:39. > :56:41.of what they have achieved in such It is really interesting

:56:42. > :56:49.when you hear Dan said, Adam Peaty yesterday,

:56:50. > :56:55.seven years of hard work. I think sometimes people think, oh,

:56:56. > :56:58.they have a natural talent for this, it is good luck or a special gift,

:56:59. > :57:02.but it is straightforward? If you put your mindset

:57:03. > :57:05.to what you want to do, When I saw Daniel for the first

:57:06. > :57:10.time, he took my breath away. His innate ability to jump

:57:11. > :57:21.off the springboard, he looked like a ballerina dancing

:57:22. > :57:28.in the air, it was phenomenal. The fact that he had the ability

:57:29. > :57:31.at a young age, to work with him, developing, let him grow

:57:32. > :57:34.into the athlete he is today, The work and dedication

:57:35. > :57:37.has paid off. Do you have to have a particular

:57:38. > :57:43.physique for diving, I think it is definitely

:57:44. > :57:52.down to mindset. You put your vision and your

:57:53. > :57:55.direction into what you want to be Dan's vision started off

:57:56. > :58:04.as being a football player. He soon realised it would be very

:58:05. > :58:07.difficult to get into the academies. He was pretty good

:58:08. > :58:11.when he was younger, and when I came along,

:58:12. > :58:13.I said, no more football, It is not really down

:58:14. > :58:19.to a certain ability, hard work and dedication are the two

:58:20. > :58:35.most important thing Dan Goodfellow's diving coach, he

:58:36. > :58:42.could not be in Rio because was not enough accreditation! Thank you for

:58:43. > :59:05.watching us, thank you for your company. We are back tomorrow.

:59:06. > :59:07.They'll be sunshine across northern areas of the UK,