get may encourage politicians to get backin may encourage politicians to get back in government together and get spending that money. but sinn fein when they came out to give a news conference here in the past couple of hours, really came out with a strong line and i think indicating that a deal is some way. the sinn fein chairperson declan kearney said there would be no movement from the dup on the substantive issues at the heart of the crisis. few issues he mentioned specifically, he said there had to be an irish language act, a piece of legislation which promoted the irish language. and he also mentioned rights for the lgbt community. in terms of the town that said, ithink community. in terms of the town that said, i think we can say there are still major gaps between the two main parties here, the dup and sinn fein. the dup response of that sinn fein. the dup response of that sinn fein should not engage in what they described as high wire acts, they say they're ready to go back into stormont and have no red and they

would go back into stormont tomorrow morning. but whether or not the executive here gets back up and running in the next couple of days before the legal deadline runs out on thursday afternoon, very much depends on whether the gaps on those issues can be closed over the next 48 hours or so. talking still going on here at stormont into the night, pressure on for deal and at the moment i have to say it does not feel that the mood music is particularly good. the mood music does not sound good and a tight schedule. but the pressure is on sinn fein is it not because they could will be seen as the party or the side that ends up scuppering power—sharing once again. the side that ends up scuppering power-sharing once again. well sinn fein resigned from the stormont executive back injanuary fein resigned from the stormont executive back in january and fein resigned from the stormont executive back injanuary and that is what precipitated the collapse of the executive. when the then deputy first minister of the late martin mcguinness resided meant that the dup leader arlene foster was also out of a job as first minister because the first and deputy first ministers cannot work in isolation

from each other under the power—sharing system here. so the other parties, the dup in particular, have said as far as they're concerned it is sinn fein that caused the crisis. but sinn fein all the way through her because the dup of arrogance, not respecting what they regard as basic rights. they will say that is what the crisis is about, they said as regards the dup deal with the conservatives, they welcome more money coming in to the public pot here in northern ireland, that would ease the pressure on public services, but they stressed that for them the crisis here is not a cash crisis, it is not about money or budgets, but it is about these issues such as culture, the irish language, same—sex marriage which has not been introduced here in northern ireland. the dup opposed to that. another tricky issue is how to deal with the hundreds of unsolved killings from the troubles. the northern ireland secretary james brokenshire when he spoke today said

that as far as he was concerned he still was not contemplating any alternative to getting devolved governments back up and running by thursday. he said the parties have to focus on the deadline and those thoughts echoed by the irish prime minister who spoke in the irish parliament this afternoon. so the government trying to put pressure on the parties to come to an agreement. they want the government back but if not by thursday, then there will be another difficult decision to make. what is going to happen in northern ireland, public services must keep running, a budget must be set and for that to happen and the cash flow to keep coming into public services, at the very least ministers in london will have to raise the cash strings and take over giving northern ireland a budget. whether it will lead to a more sustained period of direct rule, that remains to be seen. the bank of england has warned against rising consumer borrowing and household debt, in its twice—yearly report about the uk economy. borrowing on credit cards and car finance are at their fastest rate

in more than a decade. banks will also be forced to find a further 11 billion pounds in the next eighteen months, to protect their finances against the risk of bad loans. with consumer credit up by ten point three percent and car loans growing by fifteen percent, far faster than wages, banks are being ordered to set aside an extra eleven billion pounds incase those loans cannot be repaid. with me is matthew upton, head of consumer policy at citizens advice. good to see you. have lenders become complacent? i think people borrow for many reasons. borrowing is not a lwa ys for many reasons. borrowing is not always a bad thing. interest rates are at historic low levels and often people borrow to buy things that they can clearly afford. the problem

though, is when people are buying and actually can afford to make repayments themselves. we see about 1.5 billion people a year at citizens advice specifically with debt problems. one of the most common things we see is when it seems that someone should not have been offered a loan in the first place. so we would like to see lenders applying a bit more care in carrying out checks when they learned to borrowers. nothing wrong with borrowing of course if you have the money to pay it back and interest rates are at record lows, makes perfect sense but the problem is from the point of view of the bank of england, people are borrowing to get through the week, to get through the month because of record low pay increases. we see many different types of people as you say and many of them suffering with debt which are not captured in these figures. often more serious debt, struggling to pay rent or

energy bills, council tax which can end serious implications like being cut off, kicked out of their home or evenin cut off, kicked out of their home or even in prison. the important thing is when people get into difficulties, a lot tend to suffer alone. it is nothing to be ashamed of, people should seek help early, see an organisation such as citizens advice. we might be able to sort out other payments or negotiate with your creditors. it is important not just to suffer alone. the bank of england is especially concerned about car financing. and the massive spike in the number of people taking out loans to lease vehicles, so they pay £300 a month or whatever over a three—year period and then the car does not belong to them, they have to give it back. all fine if interest rates stay as they are by the bank of england is already signalling possibly, we know from the monetary policy committee there was a real debate this time about

possibly increasing interest rates and that will be the problem for many people going forward. yes, lots of people take out loans, credit cards or whatever with promises and offers of very low rates which then jump up offers of very low rates which then jump up at the end of the period. so it is important that people take the time to look in detail of what they are taking out. one of the most common forms of credit problems we see is with high cost short—term products, payday loans, products like that. where people pay very high interest rates and they quickly rack up high levels of debt. then we would like those lenders to apply discretion in their lending and collections as well but also we would like a cap on the actual total amount that people pay back on some of those very expensive products. thank you. 50 years ago, the world's first cash machine was installed,

a hole in the wall. you put in a voucher and a code and you got ten £1 notes. reg varney, a tv celebrity of the time, had a go and the cash machine was born. and this is what we've come to. less a cash machine than a mini bank. on these ones, you can even open a bank account. signing your name, it will take my photo as welljust to prove that it's me. you will be able to see and talk to bank you will be able to see and talk to ba n k staff you will be able to see and talk to bank staff directly on the screen and take out money using your mobile

phone. you do not have to have the card. so we are light—years ahead of yea rs card. so we are light—years ahead of years ago but is this the kind of banking that we actually want? doing are banking on mobile phones, la pto ps, are banking on mobile phones, laptops, why do i need to do it as a cash machine? you're not the only user, there are other users. a machine is a piece of real estate and what can you do with real estate thatis and what can you do with real estate that is expensive, how can you bring more things into it. it is a piece of real estate which changed our lives because you didn't have to worry about when the banks might open. now cash itself is under threat from contactless cards and smartphones. the bank of england chief cashier who signed our banknotes agrees that a cash machine has got to do other things. some

people like the plain vanilla bits, others will be looking at more specialised things, such as even trading in shares. on a cash machine. so some will be striving to get more from that machine and a one—stop shop. get more from that machine and a one-stop shop. this one shows you if someone is looking over your shoulder to steal your pin code. reassurance you might want to the close your branch to replace it with the machine. we're moving towards and no bank branch era. we used to have about 20,000 bank branches in the uk and soon we will have 4000. smart atms, as we're calling them, in the future will provide 99% of all the services that people can get from bank branches today. that is not a world everyone will welcome but the technology unleashed back in the ‘60s is still transforming the way we bank half a century later. simon gompertz, bbc news. time for a look at the weather now.

it is going to feel as if we have gone from sam reid scorcher to summer soaking gone from sam reid scorcher to summersoaking in gone from sam reid scorcher to summer soaking in just a gone from sam reid scorcher to summer soaking injust a couple of days. because we've seen some drizzle across the north for much of the day and some heavy downpours in the day and some heavy downpours in the south—east corner. they're going to drift steadily north overnight, a blanket of cloud and rain across england and wales. a scattering of showers in the north and a breeze coming from the north sea. so tomorrow we start off with the best of the weather to scotland for much of the weather to scotland for much of the weather to scotland for much of the day. some outbreaks of rain continuing into northern ireland and the weather front grinding to a halt close to the scottish borders. slowly improving in the south—east corner but staying overcast and pretty drizzly. top temperatures around 20 degrees. cool about dryer with some brightness by the north. the low pressure continues to move into scotland, the wind increasing gusting to gale force on thursday.

all change in the north. this is bbc news, i'm clive myrie. the headlines at 8:00pm. companies across the world have been hit by a ransomware attack. uk advertisers and a pharmaceutical company are among the victims. scotland's first minister, nicola sturgeon, says her government is delaying plans for a second independence referendum. when the terms of brexit will be clearer we will come back to parliament to set out ourjudgement on the best way forward at that time. including our view on the precise timescale for offering people a choice over the country's future. judges in the european court of human rights, have rejected a plea from the parents of the terminally—ill baby charlie gard, to intervene in the case. and allow experimental treatment. google has been fined more than £2 billion by the european commission for illegally favouring its own shopping services.