09/08/2016 Victoria Derbyshire

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

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

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

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

if the Germans would beat him and diving partner

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

and I didn't realise we were going backwards

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

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

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

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

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

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

And let me know if you allowed any of your children

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

on Instagram this photo - she's just given birth

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

"Little baby boy Oliver has arrived!

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

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

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

give birth. I'd love to talk to you

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

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

programme this morning. High street banks have been ordered

to revolutionise their technology The Competition and Markets

Authority wants people to be able to manage accounts held

with different providers with a single mobile phone

app by 2018. It says this would help them

avoid overdraft charges Let's talk to our business

correspondent Brian Milligan. Tell me more about the technology.

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

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

example... example...

Assuming you have a smartphone? Or a computer.

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

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

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

better off going to another bank where the overdraft would be

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

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

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

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

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

What they have brought in is something called the maximum monthly

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

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

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

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

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

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

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

be able to set their own maximum monthly charge.

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

switch accounts? Again, this is an old chestnut that

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

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

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

switching service will get a new regulator, there will

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

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

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

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

switch accounts? Yes, it can save money. Relatively

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

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

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

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

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

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

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

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

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

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

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

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

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

if the Hinkley Point nuclear Writing in the Financial Times,

he said the two countries were at a "crucial

historical juncture". Last month, the Government announced

that it will delay making a decision Our China editor Carrie

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

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

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

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

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

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

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

does not want to alienate or create greater concerns about national

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

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

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

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

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

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

they saw the UK as an incredibly important showcase

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

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

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

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

are concerned about national security, safety standards, anything

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

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

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

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

from golden age to dark age in this relationship.

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

between the Republican presidential candidate Donald Trump and 50 top

national security officials The group, which includes a former

CIA boss, says Mr Trump "lacks the character,

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

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

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

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

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

Manchester. Firefighters were called

to the terraced property just A number of people were found

injured on the floor The cause of the explosion

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

political activists is ending Irom Sharmila has been

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

that gives the Indian army sweeping powers to tackle an insurgency

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

local elections as an More than 140,000 Scottish school

pupils will receive their Highers Last year, a record number

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

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

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

up to get their results online Hundreds of thousands of travellers

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

strike over plans to make drivers, rather than conductors,

operate train doors. Southern Rail said nine out of ten

trains in its reduced timetable ran Millions of families

are just one pay cheque away from losing their home,

according to the housing It blames high housing costs

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

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

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

away from homelessness. In a joint survey with YouGov,

the housing charity Shelter found that many families were living

on the brink. We already know that there are more

than 16 million working adults It means that many parents

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

if they lose their job Shelter is calling on the Government

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

lose their homes. The support that's available

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

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

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

help there that people, if they lose their job,

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

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

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

than a month. And 48% of families said that

housing was their single biggest Shelter says it is talking

to parents every day who face homelessness just

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

are breaking the law by selling e-cigarettes and vaping

liquids to children. Trading Standards officers

carried out test purchases at more than 630 retailers,

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

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

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

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

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

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

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

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

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

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

it has on you both before and after the birth.

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

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

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

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

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

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

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

umbilical cord. There is the pictures you posted on

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

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

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

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

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

them. Let's get the latest

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

Daley and Daniel Goodfellow, they produced a remarkable final dive

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

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

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

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

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

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

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

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

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

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

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

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

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

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

what I did. There were some missed chances? High

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

frustrated with themselves. The athletics does not start for some

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

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

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

enjoying himself, showing no signs of pressure before the athletics

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

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

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

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

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

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

United and this unbelievably ridiculously obscene amount of money

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

friendly. To get in touch through the morning.

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

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

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

more to make sure customers are getting the best deal

for their money. A report by the industry

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

Barclays and HSBC - says they were charging unfair fees,

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

trustworthy information This morning the Competition and

Markets Authority, the government competition watchdog, published

recommendations designed to encourage competition in the retail

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

market and these are basically customer friendly measures to help

people get more information about their bank account, about other

types bank accounts and other providers are making it easier to

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

direction and hopefully that will provide those services to customers.

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

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

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

watchdog is planning improvements to the current accounts switch service

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

allow customers to take their account number with them when

switching banks. . Let's speak to Oliver Joseph

an account holder who has had personal problems with the fees

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

executive of Step Change, a charity specialising

in debt problem. And Frances Coppola,

an independent banking commentator who has worked for major banks

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

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

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

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

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

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

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

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

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

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

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

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

in a situation whereby the charges for it unarranged overdraft have

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

people going into unarranged overdraft bull fight realising that.

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

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

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

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

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

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

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

increasing competition will mean there is more prize differential. We

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

and encourage price comparison websites and things like that,

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

charging pretty much the same and they compete on intangible things

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

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

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

that onto your smartphone or computer, which will apparently make

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

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

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

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

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

most vulnerable groups, who are often dipping into overdraft every

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

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

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

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

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

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

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

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

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

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

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

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

balance emerging competition with protecting consumers and in the case

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

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

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

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

is any responsibility for the major banks to protect their most

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

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

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

particular space when we deal with payments and payments, current

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

switch more regularly because it increases competition. Have you ever

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

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

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

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

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

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

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

Exactly. Thank you all for your time.

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

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

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

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

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

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

to revolutionise their technology The Competition and Markets

Authority wants people to be able to manage accounts held

with different providers Banks will also have

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

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

if the Hinkley Point nuclear Writing in the Financial Times,

he said the two countries were at a "crucial

historical juncture". Last month, the Government announced

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

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

in Ashton-under-Lyne Firefighters were called

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

yet known. 50 security expert in the United

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

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

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

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

political activists is ending Irom Sharmila has been

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

that gives the Indian army sweeping powers to tackle an insurgency

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

in local elections as an independent The housing charity Shelter says

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

from losing their home. The charity polled more than 1500

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

insufficient savings to pay their rent or mortgage

for more than a month That's a summary of

the latest BBC news. Plenty of you allowed your older

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

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

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

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

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

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

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

amazing experience with your children.

Thank you for those. Here's some sport now

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

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

in the 10 metre Hugely impressive as they pipped

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

hope he plays well. Thank you very much.

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

Tom Daley and Dan Goodfellow took bronze in the synchronised 10

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

A fabulous result since they only started working together last

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

Come on, judges, press those buttons!

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

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

It is Daley and Goodfellow who usurp the Germans

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

Daley and Goodfellow are bronze medallists

Claire Balding caught up with them after they clinched bronze.

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

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

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

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

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

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

and they took us out and they won the gold.

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

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

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

closing stages knowing this is it, medal or not?

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

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

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

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

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

helped and we kept our nerve and stayed in the moment

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

is number eight of eight following the Chinese.

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

Like Dan said, we stayed in the moment and focused

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

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

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

We both have similar styles of diving.

I made sure I came to London for four weeks before

the actual Olympics and we've never trained harder.

Yeah, just hard work and we kept our nerve

Our coaches, Jane Figueiredo and Mark Holdsworth,

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Synchro partners and achieved great results over the last couple of

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

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

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

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

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

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

appreciate your time. Mark Holdsworth, Daniel Goodfellow's

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

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

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

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

achievement. Today's hopes lie with four

time world champion finn class sailor Giles Scott,

and women's 63 kilogram Judo Both will be competing

this afternoon. Giles hopes to follow

in the footsteps of Britain's greatest ever sailor,

three time Olympic gold Alice will compete in her third

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

in the Israeli team, and qualified for Rio

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

very difficult weight category, everybody there in that category has

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

change with the shift of the wind. INAUDIBLE.

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

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

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

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

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

the technical issues but we wanted to persist.

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

Team GB's eventing star William Fox-Pitt suffered

a disappointing setback in his bid for Olympic glory,

after incurring time penalties in the cross-country.

However, Britain are still in with a medal hope

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

In the Whitewater stadium, David Florence will go for gold

Wind delayed the heats of the competition, but David

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

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

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

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

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

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

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

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

allowed. Jools posted on social media how

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Yorkshire and maybe running into northern parts of the Midlands.

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

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

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

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

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

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

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

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

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

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

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

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

have weather fronts bringing some outbreaks of rain. That is

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

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

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

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

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

revolutionise their technology to give their customers a better,

John Walker has been with his partner for 23 years,

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

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

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

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

We'll show you what cupping is and talk

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

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

High street banks have been ordered to revolutionise their technology

The Competition and Markets Authority wants people to be able

to manage accounts held with different providers

Banks will also have to cap their monthly charges

The independent banking expert Frances Coppola told Victoria

that the efforts to promote better competition may not necessarily lead

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

increasing competition will mean that there is more price

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

when you open up competition and encourage price comparison website

and things like that, and transparency and disclosure of

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

charging pretty much the same and then compete on intangibles that

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

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

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

with China could be at risk if the Hinkley Point nuclear

Our China editor explained the significance of the warning.

This warning from the Chinese ambassador is the sternest from the

Chinese Government yet, but by the standards of Chinese pronouncements

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

problem because they want to influence the argument in London,

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

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

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

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

establishment who are concerned about Chinese threats and the

possibility of security implications of Chinese involvement in a big

critical infrastructure projects like Hinkley Point. Carefully trying

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

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

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

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

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

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

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

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

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

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

safety regime, that would enable them to promote their nuclear

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

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

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

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

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

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

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

in an explosion at a house in Greater Manchester.

Firefighters were called to the terraced property

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

The cause of the explosion is not yet known.

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

Ucas told the BBC that more than 28,000 Scottish

students had successfully secured their courses.

Over 140,000 students in Scotland are receiving

50 security experts in the United States have

warned that, if elected, Donald Trump would be

the most reckless President in American history.

The group, many of whom served in the last Republican

administration under George W Bush, says Mr Trump "lacks

the character, values and experience" to be president.

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

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

Irom Sharmila has been force-fed through a tube

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

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

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

Millions of families are just one pay cheque away

from losing their home, according to the housing

It blames high housing costs for leaving so many people

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

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

that they are only one pay cheque away from homelessness.

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

that many families were living on the brink.

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

It means that many parents fear their children will be left

without a roof over their heads if they lose their job

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

so that families don't lose their homes.

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

behind with their rent is not necessarily keeping pace

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

sure that there is enough help there that people,

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

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

23% of families said they would immediately be unable

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

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

Shelter says it is talking to parents every day

who face homelessness just because their income has taken

Hundreds of thousands of travellers using Southern Rail train services

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

rather than conductors, operate train doors.

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

e-cigarettes and vaping liquids to children.

Trading Standards officers carried out test purchases

at more than 630 retailers, including independent pharmacies,

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

even though this became illegal last year.

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

with two more bronze medals won overnight.

The divers Tom Daley and Dan Goodfellow came third

Dan Goodfellow's coach, Marc Holdsworth, says

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

achieved in such a short space of time.

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

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

The greatest Olympian of all time, swimmer Michael Phelps,

has been seen covered in red circles.

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

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

that the ancient therapy can ease aches and pains.

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

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

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

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

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

moment are able to charge for unauthorised overdrafts. A tweet

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

managing their money, not bleating about charges.

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

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

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

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

charge was ?75. Do get in touch with us

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

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

success on day three. Tom Daly and dive partner

Dan Goodfellow winning bronze Daly added to the bronze he won

in the individual event Joining us this morning is Frankie

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

to improve and help their preparation. Sum up this achievement

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Frankly, many thanks indeed for that.

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

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

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

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

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

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

of repeating their bronze from London 2012.

Japan took gold ahead of Russia and China.

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

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

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

Russian swimmer Yulia Efimova was only cleared to compete

at the Games on Saturday after serving a doping ban -

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

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

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

She broke the Olympic record to win.

It's rumbled on all summer, but finally,

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

Paul Pogba back to Old Trafford from Italian Champions Juventus.

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

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

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

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

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

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

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

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

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

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

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

rights a wife would enjoy if he was in a heterosexual

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

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

his husband will be adequately provided for.

After Mr Walker retired, he checked with his employer

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

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

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

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

Yet the company were not breaking any laws.

John Walker is here now in his first TV interview

along with his solicitor, James Welch.

Good morning. This is discrimination, pure and simple?

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

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

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

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

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

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

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

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

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

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

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

Equality Act which allows companies with the pension scheme to restrict

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

woman, we would not have to worry about making alternative

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

costs of this and reckoned that equalising the position in relation

to private employers and equalising gay and lesbian couples with other

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

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

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

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

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

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

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

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

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

about relationships, commitments, and making commitments to your loved

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Glasgow. What can you tell us? This is a big day of the year for schools

in Scotland, an interesting situation, with the exams because

over the past three years the qualification system here has been

through a massive shake-up. This is the year when it starts to settle

down. Only the new qualifications are on offer so what are the

results? They have been published within the past hour, candidates

have been getting them by text or e-mail since eight o'clock this

morning. Even though some are waiting by post. We looked at the

Highers, the gold standard. 197th thousand entries this year, 77.2%

were successful. Broadly in line with previous years. Having said

that, there were some issues with identifying. Problems which could

have happened this year which do not seem to have happened. One concerns

the mathematics, there was a big problem with the Higher mathematics,

it was so hard the past mark had to come down from the usual 50% to just

34%. They have been looking very closely at what went wrong with the

exam and this year the pass mark is back up to around about 50%. There

was also a potential issue with the Higher English, one paper had to be

replaced against a tight deadline because there were concerns the exam

could have leaked. That did not seem to lead to any concerns for

candidates, the pass mark was again 50%. These big issues seem to have

been averted. Thank you. Our Education Correspondent.

Labour Party officials are planning to challenge a High Court ruling

which says that members who have recently joined can vote

Two members who paid the extra ?25 want their money back?

And why is the most decorated Olympian of all, Michael Phelps,

We'll show you what cupping is, and discuss the fact that there's

little hard evidence to show that it takes away your aches and pains.

We will also talk to a midwife about the fact that Jools Oliver a lighter

older girls to witness the birth of their little baby brother.

Congratulations to the family. So many of you did the same thing.

Andrew, my seven-year-old stepdaughter watched my daughter

being born, it was a fantastic experience. Community midwives

involved and explained what was happening. A student midwife also

present explained all the parts of the afterbirth to her. It was a good

test for the student expending how it works too fascinated

seven-year-old. It was wonderful. This from Jan, people who do not see

the beauty in having a daughter with you at the birth should remember

that in the dark ages and before, it fell to your daughter and family

females to assist the birth. With the news, here's Annita

in the BBC Newsroom. High street banks have been ordered

to revolutionise their technology The Competition and Markets

Authority wants people to be able to manage accounts held

with different providers Banks will also have

to cap their monthly charges China's ambassador to the UK has

warned that Britain's relationship with China could be at risk

if the Hinkley Point nuclear Writing in the Financial Times,

he said the two countries were at a "crucial

historical juncture". Last month, the Government announced

that it will delay making a decision At least six people have been

injured, one of them seriously, in an explosion at a house

in Greater Manchester. Firefighters were called

to the terraced property in Ashton-under-Lyne just after 5

o'clock this morning. The cause of the explosion

is not yet known. 50 security experts

in the United States have warned that, if elected,

Donald Trump would be the most reckless President

in American history. The group, many of whom served

in the last Republican administration under George W Bush,

says Mr Trump "lacks the character, values

and experience" to be president. He's accused them of being part

of a "failed Washington elite". Team GB is currently tenth

in the Rio Olympics medal table, with two more bronze

medals won overnight. The divers Tom Daley

and Dan Goodfellow came third Dan Goodfellow's coach,

Marc Holdsworth, says I'm overwhelmed, emotional,

and extremely proud of what they've achieved in such

a short space of time. That's a summary of the latest

news, join me for BBC Let's get the sport. It was

interesting talking to the coach. There is no secret, it is just hard

work. Really straightforward. Absolutely. To execute that, their

last dive, and the problems medal depended on that's it execute after

year one shot at getting that medal, that was an incredible performance.

And it was a tense wait. To discover if they had won the bronze medal.

They sealed it on their final dive - to move ahead of the Germans

who knew the GB pair had done enough.

Daley and Goodfellow still had to wait for the judges scores,

but delight when they leaned bronze was theirs.

GB's second bronze came in the men's trap shooting,

He had to win a shoot-off in the previous round to even reach

But a special moment for him, competing at his third Olympics.

There were near misses too - a mistake by Louis Smith

on the pommel in the men's team final meant GB missed out

That ended British hopes of emulating their bronze

No medal - bronze or otherwise - for Great Britain's rugby sevens

women's team as they lost to Canada 33-10 in

The British women had already beaten the Canadians in the group stage

Australia beat New Zealand in the final.

And away from the Olympics, Jose Mourinho has got his man,

but he's had to break the transfer world record.

Paul Pogba has returned to Manchester United for a world

I am sure Jose Mourinho is hoping that he will create some big

performances for them so that they can challenge for some trophies this

year. Labour party officials

will challenge a High Court ruling which says that members who have

recently joined CAN vote The party's National Executive

Committee had banned anyone who signed up after 12th

January from taking part in the vote - unless

they paid an extra ?25. But the High Court ruling could mean

up to 150,000 extra people will be given the opportunity to choose

between Jeremy Corbyn and his challenger, Owen Smith,

in the Labour leadership election. Let's speak to three

people who paid that ?25 and are wondering if they'll get

that money back. Martin Campbell is in Nottingham

supports Jeremy Corbyn. Jude Walker is in Bristol supports

Owen Smith. And Zita Holbourne

supports Jeremy Corbyn. Martin, you were not happy about

paying the ?25 in the first place, why? Because when I signed up it was

quite obvious on the website that part of becoming a member was

getting to vote in leadership elections in the first place. Did

you sign up specifically to support Jeremy Corbyn? Yes I did, because

Jeremy Corbyn presents a chance for the Labour Party to go back to

values that they had previously and become left-wing again. I feel like

Jeremy Corbyn needs that support. Are you one of those who thinks he

could beat Theresa May when the next general election is held? Provided

the Parliamentary Labour Party gets behind him, yes. That is a big

proviso, isn't it? It is, but I feel I with Unite coming out and saying

they back the reselection of MPs that tried to get raped, I feel that

could help. Zita, you were cross at paying the ?25? Absolutely, I have

joined the Labour Party, I am paying my membership fee, I should not have

to pay an additional amount on top of that. The Labour Party is

supposed to be a Socialist democratic organisation that stands

for equality and fairness, and this decision flies in the face of that.

Do you want your money back? Absolutely! When did you join? I

joined in mid-June. This year. I signed up as a supporter last year,

as a campaigner I have worked alongside Jeremy Corbyn so I have

seen first-hand the work you does, he shares a lot of the same values

as me, but I joined because I wanted to participate in the Labour Party

and make a difference and get involved, because I could see the

Labour Party has changed under Jeremy Corbyn's leadership and I

felt it is a party I can now be involved in be active in. Because of

this ruling, albeit there is a legal challenge, as we know, but because

of this all the bookies are now saying that, in a way, there is no

point in the leadership contest because Jeremy 's -- Jeremy Corbyn

is a dead cert to win it? I think you will, it is a waste of time for

the NEC to appear late and use members' money, including those ?25

fees they took off individuals like myself, to fight a legal case which

will cost hundreds of thousands, it is disgusting that money that could

be better used fighting for our rights, the Justice, equality,

fairness and against austerity. Jude, you left the party last year

and rejoined in June. Tell us why? Yes, good morning. We have been

lifelong supporters and actively working for the Labour Party, unlike

a lot who have obviously just joined the bandwagon in the past few

months. We left following the autumn of giving Corbyn a child and seeing

him fail abysmally at being a leader -- giving Corbyn a chance. We left

the Labour Party and, following the referendum and the leadership

challenge, we decided to rejoin. We rejoined as full members and have

since paid also the ?25. But I'm not worried about the ?25, that is

immaterial. I think there are bigger questions to be asked here, and what

I would say is I have heard this morning that we are looking at maybe

over 50% of those new members from January may indeed be supporting

Owen Smith. Where have you heard that from? That has come from a

source that I couldn't possibly name, but it is not the bleak

picture which is being painted, and I certainly, as well, from evidence,

I am supporting Owen Smith, of course, because we want a credible,

electable leader and a Labour Government, and on the phone banks

we are seeing a lot of buyers remorse from people who voted for

Corbyn and also a lot of the new people who are saying, we are not

convinced at all that Corbyn can win any election. Let me bring in Zita

and Martin, how do you feel as being described as someone who has jumped

on the bandwagon? I joined the Labour Party when I was a teenager

at the age of 14, I was a member for many years so I have been out of the

Labour Party the ten years and have rejoined, so I have not jumped on a

bandwagon, I am a community activist, trade union at best, I

fight for equality, freedom of justice and rights every day of my

life and I now see that the Labour Party is somewhere that I could take

that fight and take my campaigning spirit into and work alongside

like-minded people. Martin, have you jumped on the Corbyn bandwagon? In

the time I have been able to vote, I have not had anyone like Corbyn that

I have been able to vote for. I have not jumped on a bandwagon just

because, but because I have been waiting for someone that represents

my views and I have not had that before. Ed Miliband certainly did

not provide that chance. Go on, Jude. You have to look at the

evidence. Do you want a Labour Government or be a party of protest

and placard wavers? Listening to John McTiernan on Newsnight last

night... A former Tony Blair at Pfizer? Yes, but he is saying that

Corbyn is not sellable on the doorstep. We worked hard for Ed

Miliband in 2015 and the message then was that Ed Miliband was way

ahead in popularity stakes compared to Corbyn, who is on -18%

popularity, it is ridiculous. We were hearing on the doorstep then

that we cannot vote for the local candidate because we have no faith

in Miliband and Ed Balls. Last night, John McTiernan said, this is

not sellable on the doorstep, what they will be offering is a

defenceless Britain without Trident, no plan for the economy, and, in

John McTiernan's words, someone who is linked to the IRA, was an IRA

civilise, and also has... At that, Martin, you looked aghast, the

reference to the IRA? Yes, this constant bias against Corbyn, trying

to paint him as some form of extremist, you see it all the time.

There was one period leading up to his original leadership win when 42%

of news articles painted him as a communist. This massive bias against

him is absurd. Can I come back on one question to both people... I'm

sorry, I have to pause it there, we will definitely discuss this subject

again because the leadership contest carries on throughout the summer,

but I thank you for your time this morning, thank you all for coming on

the programme. In the last 20 minutes or so of the

programme, why is the most decorated Olympian of all, Michael Phelps,

following the fact of cupping? We will show you what it is and talk

about the fact that it is an ancient form of Chinese medicine, and ask a

scientist if there is any evidence to show that it takes away your

aches and pains. Many of you have got in touch about

Jools Oliver having two of her children present at the birth of

their fifth child. She posted on social media how happy she was that

she could involve her two eldest daughters, 13 and 14, in the birth,

they could the umbilical chord of their baby brother. One or two, but

not many, have raised eyebrows at that. Most of you saying, this is a

really, really good idea, why should this happen more? Lets talk to

various people about this. Vivian's daughter Jessica, aged

four, watched her brother being born. He was born where we are

sitting now, at home, and Jessica watched the whole process, she was

brilliant and will tell the story today, if she was here she would

tell it, it was amazing. How old was Jessica? Just four. You are kidding

me?! Yes, she was amazing, she had a dummy, a blanket, she gave the

blanket to help with some bird stuff, and she never looked back,

she gave up that blanket, she loved it, she was the first to hold Luke.

Brilliant, absolutely brilliant experience. How did you prepare her

for it? She did watch some videos of births, she said she wanted to watch

her baby sibling be born, so we thought, we had better prepare her,

show her what is going on, and she was very happy, she loved it, and

she loved the baby, she loves him now. She is -- if she is not a

midwife, I would be surprised! Can I ask some personal questions, don't

feel you have to answer, were you on your hands and knees, on your back,

how were you? On my knees, actually, on the sober we are sitting but my

knees were on the floor, he was born exactly here. Luke, can you hear me?

Yes. What do you think about the fact that your older sister was able

to watch you being born? Do you think it is good? Yes, it is good.

What does Jessica tell you about it? She was the first to hold me.

Let's speak to former midwife and lecturer

in midwifery Jeanne Lythgoe, who's had experience of kids

It sounds a bit ominous, but clearly not? No, I have not got much

experience of the children cutting the cord, but I have got experience

of children being at the birth and being around at the time of the

birth. What do you think of the idea? It is usually much more common

in homebirths, and that is because that is the home environment, the

children live there and often that is one of the reason mothers choose

a home birth, because they want to be with their children around and

not have to leave their children at home. They obviously need care, you

need somebody there who can care just for the children so that

whoever is supporting mum in labour isn't having to be distracted and

the children have to have their needs met, so it has to be done in a

very organised way, and the children do have to be prepared. What are the

disadvantages, if there are any? I'm not sure, I think if children were

not prepared and were frightened or found it distressing because mum was

perhaps distracted with the contractions and things like that,

but in my experience, particularly homebirth, it is usually the

children are well prepared, they are around at the start of Labour, the

preparation for labour, and there are usually relatives or friends

there for the children, purely for the children, so I think it can be

really positive. I had a message earlier from one woman who had

people around her at home for the birth of her second, third and

fourth child. At the birth of the fourth, there were 24 friends and

family in the room! Well, I mean, bird is a celebration, -- birth is a

celebration and it should probably be much more like that. Since birth

moved away from the home into hospital, it is more difficult to

achieve. Midwives try to make it as homely as possible but it is much

more difficult, whereas in the past it would be difficult for lots of

people to be around, maybe not in the room for the birth but being in

the house, helping out, looking after the children, providing food

and things, and it makes it more of a family event, a positive event,

something people can look back on with a lot of joy for everybody,

really. Thank you for talking to us. Slater Williams got in touch with

us, her daughter was a birthing partner when she had her son,

William. Thank you for coming onto programme. Britannia, good morning.

And that has to be William? What an adorable little boy! Britannia, tell

us what it was like helping give birth? At first I was afraid because

I thought there would be a lot of blood and everything. I was afraid.

But whenever I saw the baby, it changed my view of it. And I loved

him instantly. Before I was excited but seeing the procedure has made us

closer. Was there ever any moment when you that, I need to just leave

the room for the second? Yes! At the start I was crying, I didn't think I

could go through with it. I don't want to see you doing this. I did

not get to see them cut her, only taking the baby out and I could see

all of her organs and all of that. But seeing the baby coming from the

worm itself... How was it for you? It was frightening because they gave

natural birth to her. And it was so long, 18 years, it was a new

experience for me. It was really an awkward feeling, after getting the

epidural, not being able to move, I felt like was in a different world

but it was an amazing experience. Britannia, does it put you off

having children? Is not really, now that he is here, it is different.

You have to honour the pain to get him here but it is worth it in the

end. Thank you, all of you. Really nice to have you on the programme.

And William, delicious William! Have a good day. Goodbye!