100 as England beat Pakistan in the 2nd one day international England's women this is England lead the series to nail Pakistan's men their fielding on day 2 against Sri Lanka 235345 The Sri Lankans there and David Warner couldn't follow up his huge back to back innings against Pakistan in the 1st Test match against New Zealand this morning worn out for 43 that matches live on 5 live Sport sex for the Aussies 122421 day one monosyllabic shine and Steve Smith about found beaten at the crease this is b.b.c. Radio 5 Live on digital b.b.c. Sound this small speaker is heading out the door thank you so much for stepping in always a joy to see I know you going to be doing some late nights on Radio 5 over the Christmas period including ringing in the New Year where you know the previews Yeah that will be. I can see a whole new tradition developing here is that by the way. You were saying you think it's a Northwest thing it's now being claimed by people in Yorkshire as Ok so my music is the whole it belongs to the North Sea If you're in Scotland to say thank you so much. I take it Nicky will be here tomorrow morning with a lie from 5 o'clock with your general election results a program so join us from then or if you prefer the phone it will be. Night for the joint 5 Live radio for overnight results program so you won't miss a thing here the next 24 hours and more will be talking about football finances next the weather 1st from silent. Spring its way eastward across the u.k. At the moment it's cold enough about to fall as snow just over the high ground of northern England over the Pentagon's north. To Scotland through today over the high ground that is for most of the brain moving eastward it's quite heavy at times across England and Wales. Start clear away from Wales in the southwest of England where that piece of showers. Moving in behind it quite blustery conditions across southern areas of England among some temperatures well on the chilly side of the routes 6 to 9 degrees Scotland of movement and you'll see some showers stay a mention over those we wintry over the higher ground much lighter winds that I approached Scott and compared to the last few days and temperatures of about $4.00 to $7.00 Celsius John what about the roads Michel the m 20 in Cannes westbound at junction 6 at night stand or a pallet continues to the carriage by 2 lanes are closed and it's causing long delays but past junction night for nights and services adding well over 45 minutes on the a journey them 62 eastbound at junction I want there's not been closing one lane and causing severe delays but past junctions 6 when it meets the empty 7 and the m 6 televised those northbound This is after junction $21.00 it will stand and act in closing one lame excuse but construction 20 at the lemon to change a full look at the travel at $930.00. 9 form a Welsh international rugby player God has told us this week for Sport Relief I'd be interested to transport in the famous sports personality of the Year trophy I'm attempting to psycho 500 grueling miles from last year's winner getting Tom's his hometown of college this year's awards in our bikini it's all for a great cause if you'd like to show your support and donate to the score to leave told the trophy challenge you can donate 5 pounds by text you would give to 70205 tax cos your donation plus your standard necklace matches charge on 100 percent your donation to go to school police you must be 16 or over and he just bill payers permission to me more information or to donate online to b.b.c. Dog code or to k. Forward slash Sport Relief good morning we're talking about football finances this morning thank you very much for all the messages that we've had so far and it's something that's close to the hearts of many of you if you follow a Championship club down in the leagues of football finances always a 30 per carry acing for clubs to have to deal with and the figures we've been looking out to. Hey a special 5 Live investigation. Projects show that they really are pretty dire for the Championship clubs I mean here's the kind of overall headline they are spending more than they're getting in that's what it boils down to Chris not to mention it well yeah the revenue we talked about this throughout the program 749000000 for the Championship clubs in the year from 2017 to 2018 that's actually up that's the highest ever revenue recorded by the division but overall wages exceeding clubs' revenue by 11 percent more than half of the $24.00 clubs spend more than they earn on players and staff wages down joins us here from Deloitte one of the companies that has been looking into this well and football finances for years and years is 20 is that you've been you personally have been lacking for 3 and 20 years you know my main never said that we were a very voice. I think I think it's probably about the best of luck wish for some really well look at it is genuinely you know this is the you know what keeps it's what fuels the whole industry it will fuel the clubs and allows them to operate it's absolutely crucial and they need to be run in a financially competent in order for them to ensure their survival but how although we talk about. Debts in kind of tens of millions of pounds over rule how precarious is this situation for these Championship clubs so the basic sort of overall picture of record revenues so 749000000 fantastic but spending more than you get in just on the wage bill so you've got a situation where 106 percent of the revenue goes out on the wage bill across the temperature the net result of all of that is the situation where the average club loses about 50000000 pounds a year now that is sustainable to a point when the point is how deep are the pockets of the benefits you've got behind given of course things can change in people's circumstances they may lose interest they may pass away they may have problems with their other businesses and that's when you get into a problem as a club if that sources. Funding dries up so the question is what's the role of the leak in legislating to try and prevent clubs getting into difficulty while the a.f.l. Say club owners a very well aware of the league's regulations they know the risks too to sustainability at the same time they have to be allowed the flexibility says the a.f.l. To succeed within those regulations and they say that it's shown that appropriate action will be taken against clubs who breach regulations it's also set up a working group of clubs to examine how sustainability can be maintained into the future I'm not going to ask you to name names but looking down the Championship clubs at the moment how many of them would you say their future is potentially at risk I think it depends on where you define a future potential risk so you know Barry going out to the lake was a massive shock to the system because that hadn't happened you know for a generation since since literally the time we did our 1st report back with my son so that was a massive shock and the fact that there's a couple other clubs in the 1st are looking very precarious as well sort of shows the level of crisis what you saw more commonly see is the clubs going some form and solvent see into ministration someone else comes in and tells them out there's a restructuring and the club continues but having taken a big financial shock along the way I think there are a number of clubs in the Championship where you know they look vulnerable whether that would actually go as far as the club actually completely disappearing that clearly is the nightmare scenario but I want to just come in I'll address this straight away unbelievable on the day of the election you're discussing football massive fail I've turned off we're not allowed to talk about politics today it's actually illegal if we date so that that want to head straight away and that's been the case for many many many years Chris is all football expert Don is all finance expert so if you have questions for them directly do get in touch 5 o 5 let's go to Richard not to my rich Oh you told me about you yes thank you so much for getting in touch you're a Birmingham City season ticket holder What are your concerns. Like you oh pretty much what you've been talking. Certainly all terminal over the Championship clubs almost all of us financial roller coaster season to season and exist kernel to get gambling to spend the Passover spend to get players and you can perhaps get to the Premier League and and then as you said if you try you'll then last wait. Wage boils on contract but also a possibility as happened to us last season sanctions we had a 9 point deduction we had a transparent ball. Which then exacerbates the situation even further said clubs are sort of fighting against. The files the regulations and that sort of trying to get into the Premier League where all the money is what will respond to some of that which I also want to bring in Catherine at this stage healthy sound Hi Catherine. I don't think it here is like I guess I could a brilliant how things are hull as far as you can sign and where I questioned Christian at the bit where and where not really there is a precarious kind of state where they were quite frankly by our elders. What we are spending on of when he claims a a lot of the tries to commit Well no wage cap so. They're not being paid for other astronomical face. You know our interests are taken steps to counteract a little crowds which is such a good price you try and bring in more and more people on a weekend so we're not kind of in a situation where we're kind of friendly at the club to China get it back into the Premier League can I think that that means you're less ambitious as a result. Perhaps there is a gathering restriction is going to set baby in the future they will or will invest got ultimately committed they want to sell the cloak and what they're saying is a prospective bias is that. Over that they would have to take all be paid to the owners and that it would be debt free that's kind of how they are selling so was coming in to take the club off them. But actually at other think that the should necessarily be spending a lot of money if you look at Sheffield United they didn't spend that much for the reason you know about that is pretty well in the Premier League the question as an example of the teams the. Sense of Place has spent quite wildly and a doing quite well this is so I don't necessarily think you need to spend to what. The president Catherine but you say that yourself and your fellow help fans a happy championship level sort of middling championship level but knowing that the club is floating along at a relatively sustainable level. I think after the few years that we've had I don't think they every fan wants to. Be trying at the highest level possible but we've kind of have had a few years it's been a year year pro going up and down going up and I'm not sure this is a massive. That that one people want us to go back into the Premier League a talking point we have that kind of. Before and I think as long as West able and think about it because 1st off the top end of the championship trying the players which is hopefully what within a season I think fans will be happy with. I think you know the situation with Hull is an interesting one because of that has been a lot of turbulence but in the last year that we got the numbers for they were one of only a couple of clubs in the Championship who made a profit by the operating pretax level so clearly has been trying to run in a sustainable way in the the point about Sheffield united again is well made one of the things about the championship that makes it such a great competition but so inferior out imagine for owners is that you don't really necessarily get what you pay for so the link between the wage bill and where you finish in the league is a lot weaker than it is in the Premier Lakes Sheff United have shown that you can go up without sort of spending a vast amount of money and going back to the original points around Birmingham and burning them situation and I guess that's a sort of classic example of the regulations being there to almost save the club from itself so the transfer embargo is quite a powerful tool to say look you are in financial difficulty and we will prevent you from getting into day financial difficulty because you won't be allowed to sign any more players so you do accept that mention. Yeah I do I suppose it's really just the fact that the situation exists in the 1st buy so there has to be that regulation so it's difficult once you know a package constantly is not a number to be here and the sitting there the way it is a basically punish kludges can be sort of arbitrary and not consistent but I understand why it's there but just going by what customers out I are talking a lot of fans that I speak to would love a couple of Satan's where nothing really happens off the pitch we just fight for all and sort of the troubling on the Submit at the top but the chance of getting up to the fires and it was just too much it just seems to off the field is often dramatic you know more years off the field than there is on the field and I think a lot of us are sort of fed up about that hopefully hopefully things possibly start to get there in a moment as a not to be sent them a type of mediocrity and so I'm sure. That here in Tatton thanks very much as well we want to say I know Rich was talking about he feels e.f.l. Rules are applied Albatros really the From that point of view say we are consistent about this and all the clubs know the rules they all know the sanctions that will be taken if they breach those rules that Sco to lease is in Alfredsson Hi Lisa Darby fan Hi I know he asked mode and we've also got Luke who's in Somerset is reading fan Hello Luke and Lisa start us off air how are things your cup of the moment where very You are looking to be fair to say we've got memories are oh no it was a wonderful and he's a fan as well as and I would never. Have been in the news a lot recently and I know bankruptcy Middlesborough thinks about it in. The ground of himself sent to speak was not right that moment is a very clever businessman and he wouldn't do something you know if it was totally illegal so we're very blessed We've got new investment coming on board sometime this month and that's really the so can be signed sealed the deal if it is worth $1300000000.00 pounds obviously to stay within the constraints of his pay I understand. Not. Enough to investment taking his time to get it because he wants the right person now still going to be Chairman thank goodness because I would hate him to walk away from the football club because he's been such wonderful known for is overseeing so he told looks very logical to be fair we just need to get we need to act on the field of play at the moment which is the best teacher strikes me being a football fan these days you have to be an accountant as well to follow all of this what about reading situation lake. Well every last couple of years we've got a quite year owners some of them better than others I quite like our current ones and normally during transfer window we're pretty quiet but this summer we actually spent quite a lot of money which is rare for us but iced ice think we are quite financially ran quite well but I actually think the whole issue is bigger than just the clubs I think it's that I was listening earlier and there was a thought of Huddersfield who came up with a partnership got 92000000 just finishing. And Leeds came 3rd in the Championship and their income was $41.00 so I think it's a bigger issue than 3 championship on the Premiership. Because that's just yeah that's just it's new you never You're always going to risk you're going to risk that 50000000 pounds for the chance to double your money just start our prize money ready and if you even if you come form as Luke reading have a history of when they were in the Premier League it was judgment day ski's money and now they're owned by Chinese organisations Die Young isn't is coming as the chairman of reading Yeah does that change at all the way that you look at the way that the club is run it doesn't matter that it's China but the fact that it's overseas money rather than a British owner trying to raise the profile and standing of a club that he grew up supporting I did definitely and it was almost a ski but he just couldn't do it anymore. He took because he loves the club he took the money I marry I think you large president talk about now what you are and some shares but not all of them not majority so he took the thing it didn't very personal reasons he sold the club so we could talk to keep going. And I think that that's a fairly common story I mean obviously what drama days he did for running as a club was was amazing in terms of the way he took it up the Premier League to build a new stadium you know there was a fantastic owner and benefits to that club and if you then find a nother good owner to take it on then that's clearly clearly great for that club and similar to the patron Darby really Mel Morris has done a done a fantastic job and put a lot of his money into it and you know hopefully the new owner will will will continue that on but the the problems come where you can't pass from one to the next only under circumstances change and also of course the effect on other clubs that if there are some clubs who are pushing things very very hard because it's such a competitive sport people feel that they also have to spend to try and keep up and it sort of pulls everyone along into this situation where you have average losses of 50000000 pounds Lisa just back to our original question is it worth it is it worth the risk battling to get into the Premier League spending the amount of money that seems perhaps necessary. You have to balance that risk with if you have over the years we've had transferring to spent a lot of money some of it's been wasted on plays out really obviously stood up to the challenge of risk is a risk worth taking I'm not sure because if you go Well yes and you come back down you've got the power should paint for a couple of seasons of Evan opinion that you know if your club is financially viable and you go get promoted you've got to go with the team that's good enough to stay up for all the right reasons we don't want to bring a Premier League I'd rather other club that was well Roland financially. You know not in the red and it's going to get a complete chump. I mean in the world it's the most competitive but I want to see my cooking a crime really course we do but I want to go well when the time's right when we can obviously compete and it's not going to bankrupt the globe across the dangerous very trees when these teams get promoted often they go up and as Lisa points out they aren't necessarily good enough so the chairman bite the bullet and say the manager has to go and then all of a sudden you've got a club that is completely different from the joy of winning every week in the Championship going to the Premier League not winning every week Darby I think years ago got relegated with the lowest ever point yes thanks for that remark sorry to say this guy is a footballer time ago but ultimately it's not only that one point. It's hard to forget but ultimately when the club gets relegated if they're not relegated in the correct way it's all been for nothing whereas Burnley when they came up they weren't good enough for the Premier League but they consolidated they kept the manager Sean died she took them down he brought them back up and now you look at them they've got a run in Europe Jason is joining us as well from Sheffield but is a Plymouth Argyle supporter that's a long way down to Home Park Jason. Yes sometimes you have long journeys during the Phase I can imagine if you're playing at all until you're Ok so how d