Winning the royal family it is a true love story you can just look at them and see that and so I will I will feel as a mother I just want to put my arms around her and you know she will she take a heart my gosh I want to hug her I want to tell her to hang in there and don't let those bad guys get you down keep going do what you think is right you know it's not easy and there are some techniques that can be learned along the way some you know some humor some deflection whatever which I'm sure that you know she will come to but it is tough what she is going through and I think she deserves a lot better you can hear the interview in full on the Emma Barnett show from 10 o'clock this morning there will be an emergency meeting to discuss why the government has responded to flooding in the north of England later 5 severe flood warnings are still in place on the river Don in scythe Yorkshire it means there's a danger to life about 400 homes have been flooded and 1200 properties of documented the former High Sheriff of the whole died after being swept away by flooding water near Matlock. People should regard East cigarettes is safer than tobacco at their peril according to doctors writing in a medical journal their study in the archives of disease in childhood focused on you and Fisher who suffered what they call catastrophic crisper tree failure thought to have been caused by the thing he became seriously on well more than 2 years ago. For rhinovirus we've often heard talk. About wouldn't of course more. Towards the end. Where we told. Him the liquid. Of a. He took them in and he's been tough on them found him off to university and from then. Given him a lot of. Ry officers in Hong Kong have fired tear gas on a university campus on commuters abandon a train after all objects were fined on the line the city's leader says he hopes universities and skills will our students will take part in violence the u.s. Says it's watching with grave concern. Hundreds of schools and colleges across the Australian state of New South Wales have been closed as the region but pairs to deal with potentially catastrophic bushfires we plan for these sorts of dies but we always hope I never come she in Fitzsimmons the head of the Rural Fire Service told a news conference in March and see teams already today what they come we are playing and we are escalated to a higher level of Stan boy and readiness in anticipation of anything that might break out to die we've got just in the order of 3000 bar fathers ever deployed or on standby to die as well as many thousands of other police and emergency services personnel will be conducting critical roles in support of the forefathers and the falling of the Association of place in crime commissioners says forces are failing victims of fold it also says police aren't joined up enough in their approach to frills and don't have enough expert officers to tackle it in a sense filed as the Police and Crime Commissioner for Thames Valley fraud is not investigated I dieted one percent of fraud does have a book to a conclusion in the courts are probably much less It is very difficult for the police to investigate very often the police will say it's a civil matter and say things simply do not get investigated what we need to do we have a regional level in policing we have counter-terrorism in Sarasota nice crime it needs a 3rd arm and that is fraud and it should be ring fence money and it will pay for itself time and time again Cynthia had her and entire life savings nearly 400000 points taken from her over the course of 3 years she told us about the emotional impact on her and her family. Devastating. Devastating and. Guilty because this is money. Destined for my children my grandchildren I felt terribly guilty the government say they're committed to cracking down on spammers and fraudsters and have just launched a review into hard to do that better now with all of this morning sport Today poll Cyrus is here in the studio thank you Clare Good morning Manchester City forward Rheem Sterling will not be considered for England's Euro 2020 qualifier against Montenegro on Thursday according to the Football Association the B.B.C.'s focal correspondent John Murray has more one of the great strengths of Gareth Southgate's time as England manager has been the squad harmony but they change is all of that the f.a. Released a statement which confirms that Raheem Sterling will not be considered for Thursday's qualifier against Montenegro but he will remain with the squad it says it follows a disturbance in a private team area in England St George's Park base reports suggest Sterling and Liverpool's Joe Gomez were involved the day after their teams met at Anfield Gareth Southgate is quoted as saying unfortunately the emotions of that match were still raw and that the decision to leave Sterling out for Thursday has been made with the agreement of the entire squad the money in charge of the in the Premier League has told the b.b.c. That he is happy with the way things are going to spite increasing criticism of the technology Sheffield United had a goal rule out ruled out at Spurs on Saturday while Manchester City felt they could have been awarded 2 penalties for one ball in their defeat by Liverpool at Anfield on Sunday Neil Swarbrick has given the technology a 7 out of 10 but it called for patience from supporters because he saw new and he's such a big difference to officiate and people are expecting everything to be you know all. The grammarian it's going to be perfect every decision is going to be absolutely spot on with preached all along you never going to get on the percent accuracy even with they are because it's just too much subjectivity within football decisions former Premier League goalkeeper Paul Robinson says the v.a. Our has been a failure so far I think it's been the way across and to be honest I think it's what everyone's talking about they are. Initially cleric and the talking points if you like I would comment and we wouldn't have anything to discuss after a game was a far was everything was fine it can be cleared up by they are but what we're actually finding is still a matter of opinion Neil Warnock has parted ways with Cardiff City with the club 14th in the Championship took over in 2016 and got the club promoted to the Premier League at the end of the 27800 season and leave the club by mutual consent cards offend the soul Bomba told the b.b.c. That he felt the players had let the manager down last week was full of passion full of desire I want to show no. One better than. I want to cause back to the public and also to be honest disappointed at the same time I 'd saw this one because of. Tennis now in the defending champion Alexander of has beaten the world number one Rafa Nadal 6 to 6 for the a.t.p. Finals in London with no Russell for the 1st Federer now Nidal 2 players with 39 Grand Slam titles between them beating on the opening 2 nights at the o 2 Arena in London like Dominic tain the night before Vera played aggressively and served superbly and regularly at over 140 miles an hour at the speed gun is to be trusted that does recent stomach muscle injury looks to have cleared up but perhaps restricted practice left him ill equipped to counters various excellence both Nidal and Federer can still qualify for the semifinals this is a round robin competition but it does hold on the world number one ranking now looks a little more shaky Nadal admitted on. That he needs to improve was not a problem of a dominant adult as such how are bled and me but. We can fine. That . The end of the day William Adams is a need to play much better in the days of the match the finest Daniel Medvedev 7664 England's cricketers have been in action overnight as they prepare for the 1st of 2 Test matches against New Zealand next week we can get the latest from to smoke specials Adam mounted a ring short and David a very good one for England's batting hunt 217 for one is the latest score Crawley in his 1st innings for the England senior side he's on 83 of 103 balls to admit they have time to get off the mark 16 goals the captains on 6 we've already seen a century for Dominic Sibley in his 1st outing for the senior side 100 not out 161 for some fours and 16 when he retires to give Joe roots a chance the only a week it's a full day Rory burns out quarter slip for 23 in the batting throughout the day for another 50 minutes or so and then tomorrow they'll mainly poll in this 2 day match for a 3 day 1st class game all ahead of the Test series starting next week set in and 218 for one and that's the latest score you can a common shirt over on 5 Live Sports Extra. 10 years earlier the 1st month. Earlier this year in the New York 159 challenge has been nominated for a male athlete 29 seen along with Americans some Kendricks. Uganda guy a Norwegian hurdler costume will. Thank you very much Paul my friend of the weather here stabbed and I also at the b.b.c. Weather Center good morning to all the rest this week is looking decidedly unsettled with low pressure expected to bring showers or longer spells of rain at last and be windy too with the air remaining pretty cold certainly colder more we should be expecting around this time of year than the rain we falling asleep and snow over the hills glossy some sunshine around in fact much the u.k. On both Wednesday and again on Friday should see plenty of dry and sunny weather today though is going to be one of those more unsettled days of low pressure dominating showers from the word go across parts of Northern Ireland Scotland Northern England North Wales some heavy maybe thunder in the hills and to be very windy too especially. In a Wales at risk of gusts of 55 to 65 miles an hour along coastal North and West Wales and across into coastal North West England particular side and west non-kosher the showers along the spoils of rain will spiral around the low pressure system will continue to push south as it eastwards through the day reaching southern and eastern England into the afternoon a few will be heavy and sundry in places but also be some sunshine in between the showers but it'll be another chilly day with highs of 6 to 9 Celsius Wednesday looks a little quieter Bangsar ridge of high pressure after a cold start much of central northern eastern u.k. Will stay dry with sunny spells and my winds but it will be cold the next weather system will arrive across Northern Ireland Wales southwest England later with heavy rain and Hill snow pushing northwards a nice woods through Wednesday night and during Thursday with some areas seeing quite a lot of rainfall which could lead to flooding or exacerbate already flooded areas to stay tuned to the forecast is currently remain some uncertainty of where this rain will affect his part. Whether I'm stuffed in a house my let's take a look at the front pages this morning which are dominated by not just pictures of the new I'm a Celebrity camp mates although there are many of them but Nigel Farage is an linesman that the brags that party will not stand candidates in the $317.00 seats won by the conservatives at the last general election $27.00 taking Mr for the party's leader said his u. Turn on his previous pledge to fight seats across Britain was intended to ensure the pm can deliver breaks it not for the Financial Times reporting there the Daily Telegraph describes the move as a retreat though Mr frosh has also hinted he could give the Conservatives a clear run dozens of labor marginals by not standing kindly it's there as well you've been listening to Morning Reports this morning on 5 life it's coming up to 550. 1 some really. Good morning homes and businesses grapple with the fallout from the flooding that hits many parts of the u.k. Now there's a close to it that has an exemption for the float somewhere to find some solace some horrific fallout for people having to deal with the flooding that they had insurance particularly And we're joined by the man in charge of risk at one of our biggest insurance companies r.s.a. To have a look out extreme weather events are affecting our insurance premiums are we actually able to make a claim when we need to are we as covered as we should be we're getting to all of that also those 4000 jobs a British Steel protected for now but today we'll look at exactly why this big Chinese company wants to buy it also the times it's got the scoop on the Big 8 just to review all of the details and we'll hear about the simple things retailers can do to make it easier for their disabled customers to shop online basically can't tell what the product is like I would have to ask a sighted person to describe it to me and I was you doctor. The object of the mind . Plenty to talk about today Louise morning what else we got on the menu Disney family show yes extremely well if you lived in the States today you would be able to stream Walt Disney's video streaming service it's called Disney plus aspirates will have to wait until March of next year but what does Disney plus its launch mean for Netflix and other streaming services wake up some money. So plenty to discuss over the course of the show today we like to hear your thoughts on the money you've spent protecting your house from the weather all recovering from bad weather as well it doesn't have to be they set of floods that we're talking about you won't be able to help those really heard a snippet from those in the stress caused by the extreme weather events we have what you done to bolster your home of you up to your insurance do you know if you're covered properly it's one of those things the ways that it is rarely cheap is it really a small cost but can if you're able to afford it save you in the long run so we've thinking of moving and I'm always having a look around and there's a really beautiful area in the west of London and it's sort of right by the Thames and on a tributary to the Thames and I noticed in one mode there were 4 houses up to the sale in just one road but it backs on to this tributary of the Thames and I was thinking the one people starting to look at flood plains and risk and flooding risk and that information is available from the environmental agency that actually go online and look at it and I'm thinking difficult for people to sell houses if they are in a flood plain or in. An environment you know and an area that where it could get worse so let us know if you have yet to make changes are you in one of those houses how the extreme weather is affecting your home in some way have you spent money on it because well it's a dog. Just start with the village of Fish Lake which is still under water and Pam is a business woman in the village Iran's a spy and lives above it as well and she told the b.b.c. She'd received more bad news so not just dealing with the flooding but this time about the insurance lived here since 2004 it was covered completely on there now there's a clause being put into it as an exemption for float to find some solace you know if I could go away to work but I used to just frugal solvent to still be able to run the business but I can all. Supposed to be there for you Louise isn't it insurance you know that the the idea is that when things go wrong it's there to help you out while you pay it or. Also you have to remember that when with people's property it's the biggest asset they owe you know there's mortgages take 25 years to pay off generally and so anything that harms or value the damages that value will have a significant effect of course you know this is the woman's business Yes heartbreaking stuff we got the boss of the group chief risk officer the Big Foot c. 100 company company the i.r.s. a Great big international insurance business to be talking generally about the the state of insurance at the moment in the u.k. Particularly linked to extreme weather events in fact he's just walked into the studio now so we will be talking to observe everybody wants to get their questions in yes do you say 85 o 5 hash tag wake up to money William McDonnell is with us I will be well let him it's just something definition share and get a cup of tea while yours is because of your things but I mean extreme weather this flood obviously right now some of the pictures the stories we're hearing from Pam there are endless you know that is the Environment Agency has got 39 flood warnings in place 5 severe warnings on the river down in South Yorkshire and so already 400 foams homes have been flooded 1200 properties evacuated but then you why didn't the conversation and to what a business is insurers individuals doing about extreme weather around the world is because it feels like it's becoming a bigger issue so in California which has had a whole load of wildfires the California energy utility actually has been closed. Brownouts blackouts in California because when the power lines come down to a very very very dry California they set off wildfires and they couldn't afford basically to keep setting off wildfires do you know potentially life threatening situations and so they've. Well in California you know California is one of the biggest economies in the world and they've turned the lights off literally and it's not just California you've seen wildfires we got pictures in the tape in the papers today of Australian wildfires as well and even though we talk about wildfires in California there are other parts in the states that it's have experienced extremely cold temperatures for this time of year and of course what we're seeing is you know many scientists believe we're beginning to see this climate change linked to human action it's very complex but you know for example here in the u.k. We've had the warmest weather we've ever had since records began and it's all been in the last 58 years and there's a consequences of all of that so let us know if one of those is the financial impact on your home whether you're preempting an issue in your trying to spend some money on your home in one way or another if you rent What's the situation for you if you feel like your home is a low risk of extreme weather events. Play ball as quickly as you want to if you're a landlord to do you feel like you need to spend money on that kind of thing let us know your thoughts hash tag wake up to money and if you want one of those homes where you do live in a flood plain Are you trying to sell it or you worried about its valuation many people use their homes as pensions This is something that also is concerning because that will affect a lot of homes right let's have a look at the front page of The Times in alongside I mean most of the front pages have some kind of flow into picture oh yes and then alongside a political definitely Nigel Farage is dominating very highly in the papers today to put it mildly but The Times does have its own story on the front that nobody else has this morning which is an exclusive look at an early draft so you know you can imagine the responses to the issues that are raised by the the big h s 2 rail project review. That is taking place and the times I've got hold of it it just too will boost north despite soaring costs is their headline and Louisa lots of data in here pretty damning Yeah about about the whole process about how I just do has been done so just to recap on a few of these things in the time so despite cost ballooning to 88000000000 pounds the project should go ahead I think you should say that slower you see 8000000000 up from the recent 56000000000 and I said they're likely to go home and I'd say that even more slowly and just think about those numbers and it's into a lot of that comes down to you might think hang on a minute is it just the limitless price that people are putting on the h.s. To those that want it to go ahead so this report saying that the benefit to taxpayers which is always a key sort of metric that they used to work out whether t