he's forced to abandon a vote on healthcare reform because he couldn't get enough support from his own party. good morning. it's saturday, 25th march. also ahead: did he act alone? police try to piece together the final movements of the westminster attacker khalid masood. a whatsapp message sent minutes before his killing spree is being looked at and two people remain in custody. the rest have been released. almost two million people in the uk don't have a bank account. a house of lords report says it's a scandal. in sport, the republic of ireland captain, seamus coleman, suffers a broken. he was injured in a

tackle, in the second half of his nation's, goalless draw with wales, and will have surgery later today. and we'll look back on red nose day as more than £70 million is raised for charity. and chris fawkes has the weather. we're looking at a chilly start with frost and fog patches to contend with, but we are looking at a dry weekend. in the warmest spots, it is forecast to reach 19 celsius later today. thank you. good morning. first, our main story. donald trump has tried to shrug off the biggest setback so far in his presidency, a failure to overhaul barack obama's health reforms. he has been forced to scrap a vote on his plans at the last minute because he didn't have enough backing from his own party. greg dawson reports. it was a promise that became one of the pillars of his campaign and one he repeated at every rally. obamacare has to be be replaced. we're going to get rid of obamacare which is a disaster.

repealing and replacing the disaster known as obamacare. his pitch to voters — trust me, i'm a dealmaker. if you can't make a good deal with a politician than there's something wrong with you. you're certainly not very good. throughout friday, the trump administration, led by the vice—president, was trying to persuade fellow republicans to back them. but it wasn't working. some wouldn't accept proposed cuts to health coverage. others said they didn't go far enough. my vote is still a no. facing defeat, house speaker paul ryan consulted with the president and pulled the plug on the bill. yeah, we're going to be living with obamaca re for the foreseeable future. i don't know how long it's going to take us to replace this law. my worry is obamacare is going to be getting even worse. donald trump still predicts that obamacare will end in failure, but conceded until democrats agree it's time to make changes, he can't scrap it. it's imploding and soon will explode

and it's not going to be pretty. the democrats don't want to see that so they're going to reach out when they're ready and whenever they're ready, we're ready. pushing through healthca re change in america was one of president obama's defining achievements in the white house. it provided more than 20 million people with health insurance, but opponents say it is too expensive and involves too much government interference in people's lives. but criticising obamacare has proved much easier than replacing it for donald trump. after his controversial travel ban was blocked, this failure is another blow to his authority less than three months since he took power. counter—terrorism police have released all but two of the ii people arrested since the attack in westminster on wednesday. they are appealing for information as they try to establish whether khalid masood acted alone or had help, as alexandra mackenzie reports. khalid masood, the former teacher

and father who became a terrorist. but did he act alone? as police begin to build a picture of the killer it has emerged that minutes before he launched his attack he used messaging service, whatsapp to send a message from his phone. born adrian elms in kent, by the time he was at huntley's school for boys in tunbridge wells, he was known as adrian ajao. but what triggered such a brutal act from a once sporty schoolboy who liked to party? he was an incredible fella. but, you know, like i say, when i see him, i loved him. ijust wanted to give him a lift and talk and balance him up a bit. he had developed a reputation for violence. masood spent time in three prisons. last night, the saudi arabian embassy in london confirmed he had worked there as a teacher around ten years ago. by then, he had converted to islam.

the police investigation into wednesday's attack has been swift. it brought them to this hotel in brighton. masood stayed here the night before he carried out his deadly attack which took the lives of four people. described as a nice guest, he said he was visiting friends. in manchester, a car was taken away by police. there were further raids and two people, both from birmingham, remain in custody. the police investigation will now focus on finding out if anyone helped khalid masood to carry out his attack and at what inspired him to commit mass murder. alexandra mckenzie is outside new scotland yard. good morning. are we expecting any further updates from the police? we're not sure. this time yesterday

there was a police statement, but we're not expecting that today. this is the third full day of this massive investigation involving hundreds of officers. so far it has been about gathering evidence. we have seen 11 people arrested, all but two have been released and two of those released are on bail. we have seen 20 raids on properties in london, birmingham and manchester. police say they have seized thousands of items from those properties and they've also said that they've seized a large amount of computer data. so it will now become about sifting through that evidence that they have gathered and that one big question, did he act alone or did somebody help him? did somebody know that this terror attack was going to happen? also we have that whatsapp message that was sent just minutes before have that whatsapp message that was sentjust minutes before the attack. police will be very interested to find out who that message was sent to and did they know about the attack? thank you very much. this weekend marks 60 years

since the treaty of rome was signed, creating the european economic community which we now know as the european union. more than 20 eu heads of state and government are gathering this weekend in the italian capital to mark the historic event. prime minister theresa may will not be attending. more needs to be done to help tackle the vicious cycle of debt and overcharging, according to a house of lords committee. it says banks are failing customers who need them most, leaving the poorest to rely on expensive products. here's our business correspondent, jonty bloom. 1.7 million people in this country have no bank account, many can only borrow at high interest rates and evenif borrow at high interest rates and even if they aren't forced to use payday lenders. the closure of thousands of high street banks also hits the poorest and especially the elderly as they have less access to online services. 40% of the working

age population have less than £100 in savings, and if they have to use pre—paid meters, they pay more more basic services like gas and electricity. to end such financial exclusion the lords committee is calling for better financial education in schools, a dedicated government minister to tackle the problem and for the banks to have a duty of care to customers. too many people still don't have a bank account or people still don't have a bank account oi’ access people still don't have a bank account or access to basic and fairly priced financial services of the sort that most of us take for granted. that means that the poverty premium, where the poor are paying more, for a range of things from heating their house to being able to get a loan is leading them into a vicious circle of further debt and financial distress. the government says four million people are benefiting from basic bank accounts which charge no fees and that tough new rules mean that the number of payday loans has halved since 2014. the un has raised concerns

about reports of a high number of civilian casualties in the iraqi city of mosul. it's claimed at least 200 people died in an air strike by the us—led coalition. government forces are trying to retake the city from the islamic state group. a ban on taking laptops and tablets on board flights to the uk from six countries comes into force today. passengers travelling from turkey, egypt, lebanon, jordan, tunisia and saudi arabia must put any electronic device larger than a standard smart phone into the hold. the ban was imposed following a similar measure in the united states. borisjohnson‘s banned all—male entourages from his trips abroad. it's after he turned up to a women's empowerment event in new york with a group of men. the foreign secretary says he'll also ban so—called "manels" which are panels made up of men to increase diversity. a recording has been released of the hollywood actor harrison ford

calling himself a "schmuck" after accidentally landing his plane in the wrong part of an airport in california. the star wars actor, who has a pilot's licence, was talking to air traffic controllers atjohn wayne airport in orange county immediately after the incident last month. nobody was injured. it was very nearly a big deal for other people actually. he clearly doesn't have the flying skills of hans solo. police are appealing for information as they try to establish whether the westminster attacker, khalid masood, was acting alone, or if he was directed by others. what they do know is that he had a violent past and served time in prison. now questions are being asked about whether he could have been radicalised behind bars? for more let's speak to ian acheson a former prison governor who wrote review for the government on extremism in prisons. thank you very much for your time

this morning. it is not clear yet whether khalid masood was radicalised when he was in prison, but it is a problem within the prison system, isn't it? well, certainly radicalisation in prisons isa certainly radicalisation in prisons is a problem and we identified that very clearly in my report to government, but it is very important charlie to reiterate at the start that there is no information at the moment, no certain information, that points to the significance of his three periods in custody and whether 01’ three periods in custody and whether or not they had a bearing on his conversion to murderous terrorist or not, but yes, prisons are an environment where radicalisation can be incubated and we have seen that very clearly in the report and we made a number of recommendations to government which i'm pleased to say they have adopted to tackle the problem. yes, now, as we're piecing together more of his life. one of the places we know he was in prison

was hmp way land. as i understand it, that's a prison that you have done some research on and looked at? well, back in 2016/2015 when we wrote the report we visited dozens of prisons and we had access to intelligence and we also widely surveyed some of the 40,000 people who work for the national 0ffender management service. and following oui’ management service. and following our visits and our assessments we we re our visits and our assessments we were concerned about hmp way land. it was a place that—an environment that was conducive to radicalised behaviour. we drew the general conclusion from our research and analysis that the prison‘s outside the high security estate, prisons like wayland did not possess the capability or the capacity to fully understand the threat of radicalisation and staff did not feel supported and enabled to intervene and deal with the problem.

this is very interesting. explain to us, what practical ways could the prison authorities intervene and in what circumstances, what is that defining line between picking out someone defining line between picking out someone within the prison community who is doing something, effectively which is illegal, is that the key element? they have to be doing something that in other circumstances would be illegal to do with what they are saying or what they're doing? well, prisons are very volatile environments and they're full of young men who are often imprisoned for violent offences and are searching for meaning and in some cases, in some prisons, not all prison environments, it is important to say, but in some institutions they are very close to people who come into custody, who are charismatic and who want to promote the hateful death cult, ideology of islamist extremism and one of the practical recommendations that we made, that the government is going to adopt as i understand it, is to make sure that where you have psychologically

dangerous, charismatic, they must be separated by people who might be vulnerable to that message. so that's one particular practical way that's one particular practical way that we might reduce the problem. the other approaches that we've recommended is a significant amount of training and support to staff, all public institutions including prisons, have a legal obligation under the prevent duty to promote british values in prisons. we haven't seen that happening yetment it isa haven't seen that happening yetment it is a place where you cannot have one narrative dominating all others. so in other words we have to skill up so in other words we have to skill up and enable prison staff to be able to confront immediately hateful ideologies being promoted of any extremist nature, including islamist extremism on our prison landings. it isa extremism on our prison landings. it is a very difficult task. prisons are volatile environments and there isa are volatile environments and there is a lot else going on as i'm sure you know from the headlines in terms

ofan you know from the headlines in terms of an order and control crisis across many of oui’ of an order and control crisis across many of our prison institutions. so this isjust across many of our prison institutions. so this is just one more of a serious load of challenges that the prison service faces, but it isa that the prison service faces, but it is a lethal challenge. given what you're saying, it is very interesting how you explain who might be selected possibly to be removed from other prisoners. would you have much confidence that as we speak today there are people free within prisons to propagate the belief set that we would associate with so—called islamic state? would you be confident in thinking if someone you be confident in thinking if someone is doing that openly that they would be removed? no, i'm not confident at the moment that that would happen. buti confident at the moment that that would happen. but i have confidence that the government are taking the matter very seriously and there are measures in train to deal with the issue and to be able to isolate these people and there are only a few of them. we believe that the

intelligence would indicate there are only a very small number of charismatic people inside prison who wa nt to charismatic people inside prison who want to propagate islamic extreme ym and convert others to their cause and convert others to their cause and they must be isolated and their influence cut off and we must do something with those people when we've got them isolated. i don't think it is enough to say it is a safeguarding issue and we just move these people out of the way. we have to understand what their motivations are and we have to try and intervene to reduce their dangerousness and to return them to normal locations as soon as return them to normal locations as soon as that it is safe to do so. thank you very much. the author of the government commissioned independent review into extremism in prisons. just a heads up, the clocks go forward and we will be getting advice on how to encourage children to work their way into the sleep pattern when the clocks change. here's chris with a look at this morning's weather.

high cloud around. it will make the sunshine hazy, but for most of us, a glorious, if somewhat chilly start to the morning. yes, we have seen temperatures tumble overnight. so it isa temperatures tumble overnight. so it is a cold start to the day. but with the sun already out, the temperatures are rising. we've got temperatures are rising. we've got temperatures up to ten celsius in west wales. and later on today, we should see those temperatures hitting 18 celsius or 19 celsius. that's around about the temperature for the highest temperature we have seen so for the highest temperature we have seen so far this year. it will be one of the warmest days of the year so one of the warmest days of the year so far. quite a bit of cloud around. there will be rain in shetland from time to time. the afternoon becoming drier. away from the far north, the rest of mainland, sunshine. highs of 17 celsius. we should see temperatures up to 17 celsius in

northern ireland. western counties having the highest temperatures here. for wales, 18, having the highest temperatures here. forwales, 18, 19 having the highest temperatures here. for wales, 18, 19 celsius on the cards. pretty good temperatures as well for the north of cornwall and devon. 16 celsius or so for london, around the south coast, it will feel chilly where we have the brisk on shore winds. it is these winds that will keep the frost at bay. elsewhere, with clear skies, againa bay. elsewhere, with clear skies, again a cold one in the countryside, temperatures probably getting down to minus fouror temperatures probably getting down to minus four or minus five celsius in the coldest spots. that takes us on into tomorrow, high pressure is still with us. a similar day. we might see early morning cloud with sunshine coming through. we're staying dry. similar kind of temperatures, maybe an odd degree cooler across england, but still decent for the time of year. we will see the warmest spots across western areas of wales and north—west england where we could see temperatures around 16 or 17 celsius. as we've already mentioned, the clocks will be going forward,

that means darker mornings, but lighter evenings and for those of us working tomorrow, less time in bed! yes, see you then chris fawkes! it can be a bit of a nightmare getting children to bed on time, but with the clocks going forward by an hour tonight, what impact will it have on their sleep pattern? as part of the bbc‘s terrific scientific project — to get more young people involved in science — schoolchildren are teaming up with academics from oxford university to try to measure the impact of that lost lie—in. breakfast‘s jayne mccubbin went to hull to join the experiment. bedtime in hull, or so it should be. this is elie's house. describe bedtime. nightmare. he's never ready. no, i'm not ready. he always wa nts to ready. no, i'm not ready. he always wants to watch more telly. argues when his brothers are going to bed later than he is. bla-bla-bla. the

bedtime routine begins for elie and for amy. what about mornings? mornings are a struggle. come on, amy, it is time to get up. five minutes later, amy will you please get up. amy, will you please? minutes later, amy will you please get up. amy, will you please7m minutes later, amy will you please get up. amy, will you please? it can be tough. 0ne get up. amy, will you please? it can be tough. one thing can make it tougher. i'm not even tired. that one thing is... i'm not very tired. the clock change. it is a nightmare and something i did not consider until i had children. stop showing off. get into bedment it really does affect things. it knocks everything out. it is a disaster. it is complicated. every time it happens, i wish they didn't do the clock change. it will take a while. so for some, it's a problem, but how much ofa some, it's a problem, but how much of a problem? well, now for the very first time,

0xford well, now for the very first time, oxford university with the help of children at this primary school will try to measure that problem. what we're trying to see is if people who are more tired have slower reactions? that's it, yes. these children are being monitored in the days before and after the clock change. their reaction time is measured, their sleep patterns recorded. you have got how many? seven. seven was your best. how many times have you dropped it? oh. .. laughter spill the beans. i dropped it a lot. do raiser sharp reactions follow a good night's sleep? does the clock change stuff it all up? we see children who are not alert. they're not taking anything in. are you curious about what this experiment is going to show? are you interested ? is going to show? are you interested? i'm really looking forward to seeing the effect on the reaction tests. no cheating. as for miss? 0h.

reaction tests. no cheating. as for miss? oh. i caught it. reaction tests. no cheating. as for miss? 0h. icaught it. not reaction tests. no cheating. as for miss? oh. i caught it. not bad. reaction tests. no cheating. as for miss? 0h. icaught it. not bad. not bad. not great to be fair. nowhere near as great as them. what type did you go to bed, miss?|j near as great as them. what type did you go to bed, miss? i daren't tell you. i'm not a great sleeper! sleep, you. i'm not a great sleeper! sleep, you see, matters. good night. just how much it matters we'll find out in the next month when 0xford we'll find out in the next month when oxford university report their findings. i'm asleep. it doesn't look like sleeping to me. get into bed. if they say they are asleep, they probably aren't. how are the sleep patterns for you? i get affected every day. in this job, earlies, lates, going to bed late, but trying to get up a bit later. i'm going to test rachel...

this is my sixth early in a row. right. that's my excuse. are you ready? i'm ready. are we on it? ok. yes! see what she is like tomorrow. let's look through some of the front pages first and we'll just look at the times newspaper is the first one we're going to look at now. if i hold those up for you. of course, a lot of attention right now on the police search, secret texts of terrorist, you can see there on the front of the times and many of the newspapers using the images that emerged of khalid masood. this is the picture from tunbridge wells in kent when he was at school. all the papers, of course, needless to say are desperate to find out more about his life, his background. the mail describes him as the middle—class jihadi and growing up in east sussex

and later on his relationship with his partner, the mother of his two daughters. the mirror has spoken to his first wife, describing him as a violent psychopath. the last one from the front pages is the guardian newspaper, that's an image you will be familiar with by now. police race to unravel the past of the london killer. well, ian, we might touch on that story in a moment, but first of all let's start with something which will become quite important to all of us shortly and that's the new £1 coin. yes, because whenever they bring out a new coin, they tell you 100 years before it is about to happen and then suddenly it arrives. 0n happen and then suddenly it arrives. on tuesday the new coin goes into circulation, but of course, you forget the amount of areas that this affects like machines that need to change over their capability to acce pt change over their capability to accept the new coin. tesco are in the middle of this, because you have to pay £1 to get the trolley. well, tesco aren't the other one.|j to pay £1 to get the trolley. well,

tesco aren't the other one. i always look for the trolley that's been left somewhere where you don't have to pay the 1. they have got 100,000 trolleys at tesco's to accept the new 12—sided coin. trolleys at tesco's to accept the new 12-sided coin. how are they going to deal with it? they are going to deal with it? they are going to deal with it? they are going to allow you to use the trolleys. for free? are you take the whole stack with them around the aisle like a big caterpillar trolley! it is interesting you've chosen that because a lot of people have said and in the light of wednesday's attack, you know, often these things sound trite, the thing about life going on. the little things, the silly things that you do every day, you go shopping and you take the kids to the park, it... it's true. there is an element of that. there are hundreds of people working on this to make sure that the world can carry on functioning with new money. railway ticket machines is another

one where people are going to discover their pound coin doesn't necessarily work if it has not been changed over. are you going to take us changed over. are you going to take us back to wednesday's events. massive coverage. why have you picked out this piece from the times? this is fascinating. we talk about this a lot on the radio, the whole free speech thing and how do you police which videos are allowed, what is offensive to one person is an education to another. you know, images of animals being treated badly or children being bullied are available online. i find those offensive as well and google is accused allowing hate preachers to post videos as well within this big mix, but if you begin to police that, then where, who sets the criteria? who that, then where, who sets the criteria ? who is that, then where, who sets the criteria? who is setting the bar as to what you can and cannot have online? if you decide we're going to ban somebody whose opinions are somehow sub dikate the terrain of

decency. google suffered a lot recently because a lot of advertisers pulled their advertising because they have been alined to these extremist videos. they have an automatic advertising system. you had ads for the british army for recruitment before stuff like this which didn't sit very well with people. they are trying to get on top of it, but i have no idea how you police that. the thing about the advertising, that might be the way the bigger portals make those decisions. if they see it as commercially bad, they will act.|j don't think a lot of people consider that. you look at youtube, the ad comes on, you're willing for it to finish, you're not paying much attention. you want to get to the funny shot of the kitten falling off—the—shelf. but in all that time, there is millions of different clips of stuff that are proceeded by ads. this tiny piece which you've managed

to squirrel out of the mirror about the learner driver who has finally passed her test on the 33rd time! yes, if you get to ten, somebody should say, "i think we better stop this." do you want to meet this person on the road? i think maybe you're a bit rubbish at this driving thing. good luck. keep in touch. you're a bit rubbish at this driving thing. good luck. keep in touchm there any accounting what was going on wrong in the other 32? no, we can't get to the bottom of what happened. he has had 14 different instructors. and cost £10,000. one instructors. and cost £10,000. one instructor said, "he gave up and he told me to give up because i'd never pass." there is told me to give up because i'd never pass. " there is that told me to give up because i'd never pass." there is that possibility that you luck out on the last question or the, i don't know, some minor thing that happens by a terrible coincidence on each one, but 33 times, your insurance premium you'd think if it took you 32 goes would be about £52,000. his parallel parking must be amazing!m would be about £52,000. his parallel

parking must be amazing! it should be by now. stay away from barnsley if you don't want to bump into this man! you're going to come back and talk about one of those things that people get really wound up about, parking. oh, this is a beauty. you're watching breakfast. still to come: mike dressed up as a cowboy while doing the do—si—do dosado. what more could you want on a saturday morning? see how he got on trying out barn dancing as a way to keep fit. stay with us. we'll have a summary of the news in just a moment.trup hello, this is breakfast, with charlie stayt and rachel burden. coming up before 9am: chris will have the weather for you. but first, a summary of this morning's main news. president trump says he's surprised and disappointed after failing to secure support from his own party for plans to replace 0bamacare. he had to withdraw his health care bill after it failed to get enough support ahead of a vote.

president trump has said there were parts of it he didn't like anyway, and it'll mean a better bill at some point in the future. speaking earlier on breakfast, former advisor to george w bush, anneke green, told us president trump still has support in his party. it is coming across in the press as a blow, but he will portray this as a smart move and something he is doing for the american people, and i do not think it will affect his core support. we see that even in the praise coming from the groups in the house who refused to vote for the bill. counter—terrorism police have released all but two of the 11 people arrested since the attack in westminster on wednesday. the attacker, khalid masood, killed three people when he drove into pedestrians on westminster bridge before stabbing a police officer to death outside parliament.

police are still trying to establish whether he acted alone. questions are being asked about whether he could have been radicalised whilst serving time in prison. we were concerned about the prison he attended, it was a place that had an environment that was conducive to radicalised behaviour. i cannot be drawn on details, but we did draw the general conclusion from our research and analysis that the prisons outside the high security estate, prisons like wayland which area medium estate, prisons like wayland which are a medium secure facility, did not possess the opacity to fully understand the threat of radicalisation. this weekend marks 60 years since the treaty of rome was signed, creating the european economic community which we now know as the european union. more than 20 eu heads of state and government are gathering this weekend in the italian capital to mark the historic event. prime minister theresa may

will not be attending. the un has raised concerns about reports of a high number of civilian casualties in the iraqi city of mosul. it's claimed at least 200 people died in an air strike by the us led coalition. government forces are trying to retake the city from the islamic state group. more needs to be done to help tackle the vicious cycle of debt and overcharging, according to a house of lords committee. it says banks are failing customers who need them most, leaving the poorest to rely on expensive products. it adds controls on "rent to own" products must be introduced urgently. too many people don't have access to a bank account of the sort most of us a bank account of the sort most of us take for granted. that means that the poverty premium, where the poor are paying more for a range of things, from eating their house to

being able to get a loan, is leading them into a vicious circle of further debt and financial distress. this year's comic relief has raised more than £71 million. the fundraiser included james corden's carpool karaoke with take that and a special love actually sequel. sir lenny henry opened the show with a tribute to those affected by the westminster attack. the total... a huge total. £71 million! the evening began with comic relief co—founder, sir lenny henry. the comedian and actor also referred briefly to the tragic events earlier this week. we would like to send our thoughts and love to all those affected by the events in westminster. tonight is a chance to save lives, to reach out in the spirit of compassion. the money you give tonight

will make things better for people with tough lives at home and abroad. the most anticipated moment of the night was the love actually sequel, featuring many of the original cast and a couple of otherfamiliarfaces. that's great! that is great! can we have rice with it this time? i am getting tired of stirfry. 0ther comedy highlights included a james corden, take that carpool karaoke. and a special appearance from mrs brown. hello, i have all your albums. i love you. there were musical performances from the likes of ed sheeran, as well as appeal films

with celebrities visiting some of the places where the money raised can make a huge difference. and now look at him. he is almost unrecognisable. that is down to you. the money that you raised. so, £71 million raised, thank you to all of you who sent money. good morning. you were there as well, that counts. good morning. we are talking about seamus coleman, who is grateful for his country, but in a flash his seasonis his country, but in a flash his season is over. it was a horrible tackle in a bad—tempered game. it resulted in this tackle, which ended

up resulted in this tackle, which ended up in him breaking his right leg. neil taylor who did the tackle, it was miss timed, rather than being malicious. afterwards he was very apologetic. he went to see the republic of ireland team to apologise, like then seamus was already on his way to hospital. the match ended goalless. gareth bale had the only real chances for either side, but he'll miss the next game against serbia, after receiving a yellow card. of course the main talking point though is that awful injury to seamus coleman. manager martin 0'neill, said it was a bad break — it wasn't a malicious tackle, but it was mistimed and a very poor challenge. neil taylor was sent off for it, as coleman was carried off on a stretcher, needing gas and air, to help him cope. a real blow to him. he was having the season of a lifetime at club level. he is a great player for

the season of a lifetime at club level. he is a great playerfor us, a great captain. a great character. it isa a great captain. a great character. it is a big, big loss. a big loss. a big loss to everyone, a big loss to us. big loss to everyone, a big loss to us. but he will fight back, i hope. it puts things in perspective, i suppose. taylor is not that type of player. he has had a serious injury himself. he has had a serious injury himself. he isa he has had a serious injury himself. he is a great boy, a cracking lad. i have not seen the challenge, but i have not seen the challenge, but i have seen the outcome, if you like. it isa have seen the outcome, if you like. it is a bad one for seamus, and that isa it is a bad one for seamus, and that is a shame because he is someone i respect. i think he is one of the best fullbacks in the premier league. dan from football focus joined us. when you say a bad break, what does that mean? a double fracture. you

saw the pain that he was in last night, and the way that shane long was comforting him. you know that he will be out of the game for a long time. it could be six months or a year out of football. it really is an awful injury. you saw how it affected neil taylor as well. john was that the game last night and willjoin us on the programme. we have got liver bird looking at scotla nd have got liver bird looking at scotland against slovenia. there is a sense they are in a difficult place at the moment. there is also an international flavour will stop we have got the belgian international, looking at some of the best football players on the planet, can he make this belgian side into a brilliant side? at the moment, everton have an

outstanding striker. what is it like to be working with him is to mark when you work with him, you understand that he lives for the game. he is pure football, from the start to the finish. from the age of 21 to the age of 23 now, he has changed a lot. he wants to improve. he works on the whole play, he worked on improving and using his body. what he has never lost is the outstanding quality of scoring goals. i always believe he has the possibility of becoming the best in world football because he has got absolutely everything. a fantastic season. that is high praise. belgium are playing weise this weekend. look across the international spectrum. and domestically, league1 across the international spectrum. and domestically, league 1 and football to look at. we have been to bradford this week. they are a german owned site. it is an

interesting insight. another bit of international football this weekend, so we are on international football this weekend, so we are on from midday. half an hour. we are not allowed the full hour. we are not allowed the full hour. we are not allowed the full hour. we will cram it in. we have got andy cole on site as well, so it should be a good half hour. i have a mental image of you on an exercise machine, a power half hour. if you want to sweat, try and dancing! formula one is back, and so is lewis hamilton, who's dominated qualifying in melbourne. hamilton claimed pole position for a record—equalling sixth time, at the australian grand prix, as the new era of faster, more demanding cars got off to a promising start. he was more than a quarter of a second quicker, than ferrari's sebastian vettel, with hamilton's new mercedes team

mate valtteri bottas in third. and good luck later today to the four british riders in qualifying for the opening moto gp race of the season in qatar. cal crutchlow, bradley smith, scott redding arejoined by sam lowes making his debut. right, he has gone now, so we can talk about one dancing. could you last a whole hour doing a non—stop, whole body work out? well, add a live band, complete mayhem and a lot of laughter? you've heard of zumba, and street dance, well now barn dancing could be the way to improve your fitness. i went to a class in birmingham to try it out. it's time to cast aside all we thought we knew about barn dancing.

it's not about do—si—does at this former swimming baths in birmingham. i forgot my hat. obviously the hat could be a health and safety issue. this is far more than a hoe down. this is barn dance fitness. they take the best bits from traditional dances across the world and put them together in an hour—long workout. this gets faster! this isjust a warm—up. if you go to the gym, you use one machine to work a certain set of muscles. here, you use all the muscles and so we do a lot of shaking and we use our faces as well, so we are getting a total workout. it is believed by many that barn dancing started a couple of centuries ago in parts of the british isles

where farm peasants would gather in barns to copy the ballroom dances of their wealthy land owners. it is sociable and yet it brings people together because you are always swapping partners and positions. it is mentally challenging as well as physically. as you can tell. it is so much fun and exercise. you meet amazing people. there is a lot of emotion out there. it is great. it is fun and it keeps you fit. so they say. you make friends as well. it is good. we have all done this before at weddings. it is a form of dance that really gets people who have no dancing ability or interest up onto the dancefloor like nothing else. you learn the moves eventually as you go along. it does not matter if you embarrass yourself and it is fun to be here. i like it because it is energetic and it is really fun.

the other thing that strikes me is how much everybody is laughing. it is great fun. to your left! when it goes wrong, i shout. it is just laughter. my partner looked bemused rather than amused. with the band keeping the energy going, the hourflew by. goodness me, that was extreme! because you were laughing and with the music, you did not notice that you had done a whole hour of exercise. i remember once, long ago, i used to go to lapse. and you would dance for two or three hours. it is a great form of exercise. yes, whatever it is. a discotheque.

yes, whatever it is. a discotheque. yes, charlie, that is you back in the 70s. thank you. are you finished? i think so. nearly two million people don't have a bank account, and four in ten households own less than £100 in savings, according to a new report. a house of lords committee says the government should appoint a minister to tackle what it calls the scandal of the poorest people being barred from basic financial services. joining us now from our london newsroom is paul lewis from radio 4's money box. this is what is known as financial exclusion. can you do find it more broadly for us? well, it is, it is people who don't have access to a bank account, which is more and more annoyed billy macri important now, people who can't get low—cost loans, people who can't get low—cost loans, people who can't get low—cost loans, people who are just excluded from all the basic financial services that most of us do take for granted. so, it is a broad range of people,

and nearly to me and people don't even have a bank account, and that is something that these banks could do something about. what sort of people are we talking about, and what is the problem? well, they are mainly lower income people, poorer people. the report makes it clear that one of the things that is making financial exclusion worse has been six years of cuts in welfare benefits, and of course there will benefits, and of course there will be more of those at the start of april. it wants the government to look at the impact of those cuts. it is also people who cannot manage with online or mobile phone apps, and needs a bank branch to visit, but more than half of them have closed over the last 20 years. the committee says very clearly that there should be something to replace those for those who can't manage, either through disability or being very old. i am talking about the older old, as they call it. yes. it is interesting because he would have

thought in this day and age, a bank account is almost required. yes, it is. and are supposed to let people have what is called a basic bank account, that was one successes of a previous look at financial exclusion a decade ago. but banks don't promote them, and the committee says clearly they should be more active in promoting them, and really anybody, with the possible exception of people who have just gone bankrupt or just out of people who have just gone bankrupt orjust out of prison, anybody should be able to open a bank account. and even those really excluded groups, the bank should be doing more. the other thing the emitting says is with bank branches dosing, it makes it more difficult to go in and open an account, but post offices should make more of the fa ct post offices should make more of the fact that you can use them like a bank. de guzman should also credit unions and see them as providing an alternative service for those on low incomes —— the government. alternative service for those on low

incomes -- the government. yes, the post office role, that is something many are not aware of, that you can conduct normal bank service there. whose responsibility is it to support these people and give them guidance, and show them how to manage their finances? the problem is, it is no one's responsibility. they used to be a financial exclusion task force which has now been scrapped. this committee has done a greatjob in bringing this back into the public domain. it wa nts, back into the public domain. it wants, as you heard earlier, a minister for wants, as you heard earlier, a ministerforfinancial wants, as you heard earlier, a minister for financial inclusion, and somebody who is responsible and gives an annual report to parliament every year about what progress is being made. that would be a great advantage because at the moment it is split between at least for government departments and, of course, local authorities, who also have to do a lot. i think we need a concentration on this to make sure that everybody, even those on the lowest incomes, get access, notjust

to financial services, but to reasonably costed financial services. it is an important issue, thank you for highlighting this. more on money box, radio 4 at midday. here's chris with a look at this morning's weather. it looks lovely, that is just outside our building. is that reflected elsewhere? yes, it is. we have got the same high cloud in the sky from our weather watcher picture. sunshine for most parts of the country. a little bit of missed in the background, but clearing away. this morning we have had temperatures as low as minus five celsius, but with the sun already up, temperatures are rising quickly and later this afternoon they should climb to 18 or even 19 celsius. if we reach 19,

that would make today the warmest day of the year so far. today we have got high pressure in charge. it is bringing some strong winds to southern counties of england, so rusty conditions, keeping things cooler around the coastline of east anglia and eastern kent. for the far north of scotland, cloudy skies for shepton. some morning drizzle, but apart from that, mainland scotland will be dry. the highest temperatures will be in western counties. 18 or 19 in west wales and parts of southwest england. 15 or 16 in london. 0vernight tonight, the wind stays fairly brisk in the south, keeping the frost at bay, but another cold one in the countryside with tempered as taking another tumble. eight few folk patch is possible, maybe some cloud as well.

by possible, maybe some cloud as well. by and large another decent day with plenty of spring sunshine to look forward to. chilly winds knocking the edge of temperatures in parts of southern england. for most of us, more spring sunshine on the way. similar temperatures, more spring sunshine on the way. similartemperatures, but more spring sunshine on the way. similar temperatures, but still good for the time of year. not a bad weekend all in all. a reminder that the clocks will go forward and our tonight, so that means an hour less in bed. back to you both. thank you, chris. buildings around the world will be plunged into darkness tonight to raise awareness of climate change. buckingham palace, the empire state building and beijing's bird's nest stadium are among the hundreds of landmarks taking part in earth hour, which is organised by the world wide fund for nature. its chief executive is tanya steele and shejoins us now. this is an incredible event where

hundreds of millions of people across the world turn off their lights for an hour at 8:30pm as the biggest symbolic action against climate change. it is something we are concerned about. there is a serious message that sits high and the onset of climate change. this is from previous events. it is quite dramatic. that is the whole point, it isa dramatic. that is the whole point, it is a moment where you make people stop and think. yes, very much so. does it actually do any good. stop and think. yes, very much so. does it actually do any goodlj think it does, firstly because of the numbers of people involved, but also because we know those people think differently about climate change. we have seen big shifts from government, business, regarding climate change. we do need to reduce our emissions in terms of how much carbon energy we use. if we don't, we will see widespread impacts. last year was the hottest year on record. this is not something that we can

ignore, and certainly we are concerned about the impact in some of the most important places in the world including places like the great barrier reef. it is all very well sitting here in the studio talking about it, but unless countries like china and india are included in this, it makes little difference. there has been an agreement to the reduction in emissions, and that is something we have to accelerate. we are seeing a huge swing behind solar energy, right the way through to electric cars, which we hope will hit the streets very seen whether it is in london or manchester or elsewhere. there are also things we can do at home. if as an idea? it is notjust switching of the lights, although thatis

switching of the lights, although that is a good thing. up to 30% of all carbon emissions come from our homes, and if we don't integrate our walls and lofts, which actually saves money, and that is leaking out into the atmosphere. how much does your heart sink when you hear some of the things that come out of the us administration and some of donald trump's team ? us administration and some of donald trump's team? there is no doubt that we need all nations to get behind this, and the science is compelling, from nasa through to the british antarctic survey, who know that climate change is beginning to hit hard. politicians do sometimes ignore scientific advice. yes, but the good news is this is a worldwide agreement. china is committed to investing 300 billion in renewable energy. we are seeing a huge acceleration. in the uk, in terms of the great we take our electricity from, a quarter comes from renewables. we are calling on the government to do more and to do it

faster, especially on things like emissions. we are very worried about ebb pollution. thank you forjoining us ebb pollution. thank you forjoining us this morning. history helps us to paint a picture of the past, but the future of the subject may well lie in virtual reality. a development team from liverpool has invented a new way to use one of these — a vr headset, to take students to the battlefields of the first world war. with these goggles, you put your phone inside. it is not happening right now, is it? i can't see anything! thousands of children have followed the centenary trail across the channel to visit the first world war battlefields. thousands more will not have that chance. now, this merseyside development team think they have a solution. keep the countryside

in the background. maybe start there, walk there. if you move around to the farmhouse... get to one o'clock. historian peter barton, facing a battery of small cameras, is here to bring history alive by inviting students into the trenches. trench warfare was more about maintenance rather than anything else. he is a solitary figure. his production crew is hidden from sight as cameras record his view of the landslide. i am talking to that block of cameras as if it is tour group. the idea is to make it as informal as possible. normally on television you get a very small timescale. here i can talk for as long as i like, so i can talk forfive or six or seven minutes. back in liverpool, the individual images are stitched together to make a 360 degree virtual reality. i think history as a subject can be quite dull if taught in a particular

way and it enables children from all walks of life to take part and experience the first world war battlefields. we can sit in classrooms like that and listen to teachers at the front talk about important events in history. this technology will enable students to travel miles from their desk and onto the actual battlefield. and what they are doing over there is defending themselves, their regiment... what i will do is take you straight into where the soldier spent his life, in the front—line trench. at st mary's college, the acid stress test. remember, you can adjust focus, the volume, the system will enable a class of students to share the experience, but to react as individuals. what did they make of it? everyone loves the technology of it and it's far more of it

and it's far more immersive when you can see what you can do with it. it is not difficult to listen to, there were no distractions. the man who oversees government funded visits during the centenary, believes the virtual reality is at the start of its journey. here is an opportunity to take young people all over the world to show them the sites where things have happened in the past and to give them a genuine immersive experience which they could not otherwise get. without being there themselves. these are early days, but the virtual world is without limit, enabling more and more of us to step back in history.