interest rates go up to their highest level since 2009. the bank of england increases the base rate to 0.75% to try to tame inflation. we'll find out what today's decision means for borrowers and savers. also this lunchtime: an independent review into the murder of a toddler by her adoptive father, says some opportunities were missed to raise concerns about her care. appeals for calm in zimbabwe, after fatal protests about the election — the results of the presidential vote are promised soon. the number of calls made on mobiles falls for the first time ever — though new research shows we check our phone every 12 minutes. and, holiday—makers going abroad are warned to prepare for extreme heat — many parts of europe are hitting temperatures into the 40s. coming up on bbc news, we will be live at edgbaston for the latest on day two of the first test as england lasted just ten balls this morning before

losing their final wicket. good afternoon and welcome to the bbc news at one. the bank of england's monetary policy committee has voted unanimously to raise interest rates to their highest level since 2009. they're going up a quarter of a percent, to 0.75%. the increase had been widely predicted, despite concerns about rising personal debt. it means more than three and a half million residential mortgages on variable or tracker rates will become more expensive, but the move will be welcomed by some savers. here's our personal finance correspondent simon gompertz. the right interest rate for an

economy on the mend, getting back into shape. only now does the bank of england think we can cope with rates returning gradually to normal levels. the bank's monetary policy committee which sets the direction for rates, had to weigh up the uncertainties of brexiter against fears that price rises might take off in an economy awash with cheap loa ns. off in an economy awash with cheap loans. today employment is at a record high. real wages are picking up record high. real wages are picking up and external price pressures are declining. this lincolnshire road surfacing company agrees, business is beginning to roll along nicely. so much so, wages are higher, the sort of signal which makes the bank of england reach for its interest rate lever. there is a lot of work about that the minute so people are

getting significant contracts. they need the men and the manpower to carry out this work, so they offer more money. guys we are employing now are earning twice as much as they were three or four years ago. higher wages may be, but for some, higher costs. if they have variable rate mortgages, many of which will see an automatic increase. a rise in interest rates are always worrying. it takes more money out of your pockets. at quarter of 1% means 20 or £30 a month. if another rise in six months, but is another £30, £60 a month. you start to feel the pinch. it's notjust homeowners with their mortgages who care about interest rates, savers have been waiting for higher rates for years. the worry for them is whether all

the banks and building societies pass on the rate increase in fall and bump up saver ‘s rates. pass on the rate increase in fall and bump up saver '5 ratesm pass on the rate increase in fall and bump up saver 's rates. it would increase income because it would increase income because it would increase the amount on the savings, yes. the percentage at the moment is poor for saving, it's not worth putting your money in the bank. the bank of england's hope is a small jump bank of england's hope is a small jump in rates for home owners combined with a boost for savers won't upset the economic applecart that a sensible time. we think interest rates will rise now for another year and that is because we see a number of uncertainties on the horizon, in particular over brexit. we think the policymakers will probably want to wait until after the uk has left the eu to see if, there is an impact, if any on the economy before they decide to raise interest rates again. it is what the future holds that matters most. the

bank says it is between two and 3%, three times where it is at the moment. our business editor simon jack gave us this analysis from the bank of england. what they're trying to say is that after many, many years where wage growth was pretty stagnant, growing around 1.75% now picked up to 2.75%, they think it's going to go higher. if you want to know why they would raise rates, it's all about, look no further than your payslip. they think that wage growth is the wealthspring of all other types of inflation, if we start getting paid more, we start — more money chasing goods and services and overall inflation goes up, which is already above target. now, the other signal they're sending here is, we are, for the first time in 30 years, spending more than we are actually earning. we are supplementing our lifestyles by either raiding savings or borrowing more. i think what the bank of england would like to see is giving us a little bit of a reason, just a little nudge to encourage us to save a bit more and borrow a bit less.

that is one of the by—products of this rate rise today. ben bland is gauging reaction in the city of london. what are people saying to you in this city? it is increasing the increase did not come as a surprise, it was widely forecast. what was interesting, the committee voted unanimously. in june there interesting, the committee voted unanimously. injune there had been split on the vote, only three voting a rise. this time, all nine voting for the rise, so that suggest there isa for the rise, so that suggest there is a greater consensus for the outlook over the economy. the other thing was the comments that came alongside the decision. england, any rate rises will be gradual and limited. as a result,

the thinking is there could be one, possibly two further rate rises by 2020 but nothing more dramatic than that. i spoke to one of the traders here and asked, why, when you have all the uncertainty of brexit and the trade row between the us and china why would the bank of england wa nt to china why would the bank of england want to put interest rates up? potentially flow down the slope of money into the economy. they said they need to give themselves some room because if there was a sudden shock they need to then at some point adjust the rates to counter that. so that decision not coming as a surprise, but really drilling down now into the notes and the hint that came from the bank of england about the speed and timing of future rises. thank you very much. let's assess where we are now with simon gompertz and the question is what it means for all others in terms of the

money in our pockets, simon? means for all others in terms of the money in our pockets, simon7m depends if you are in the red or in the black. if you are a homeowner or a saver. if you are renting, there is no immediate impact. if you are borrowing for your home and amongst the 3.5 million homeowners on a variable rate mortgage, that is the situation where you need to think, my monthly payments might go up. but a bit of reassurance, the average increase people are talking about is about £14 a month. so one small increase in interest rates doesn't have a big impact but the other cost of living rises, like higher energy bills which makes it tricky to deal with. last time we had a interest—rate increase, half of the

banks and building societies didn't pass on the increase. and if they did the average was less than the bank of england's interest—rate increase. we need to keep an eye on bad. the amounts are not huge. on the average cash isa, it didn't impact much. keep an eye on that and maybe get a better product. thank you, simon. an independent review of the murder of a toddler by her adoptive father, says health care professionals missed opportunities to raise concerns about her care. matthew scully—hicks shook 18—month—old elsie to death, a fortnight after she formally became his daughter. the regional safeguarding children board found that previous injuries she had suffered were dismissed as childhood accidents. sian lloyd reports from cardiff. elsie was just 18 months old when she died —

murdered by her adopted father. matthew scully—hicks had been described by a judge as a jekyll and hyde type character. he was sentenced to 18 years in prison after inflicting a catalogue of injuries on the child. today, a report was published into whether lessons could be learned from her death. it found that professionals did not consider or raise the possibility that elsie was being harmed by a parent. her injuries were either missed or not documented, meaning safeguarding concerns were not raised, and information was not effectively shared between agencies. together with his husband, matthew scully hicks had already adopted one child and the family were known to social services. the report says the couple were seen through a positive lens by social workers, who had not always questioned elsie's injuries or recorded them. why was there this lack of professional curiosity, because there is a duty on social workers to be asking questions, particularly around injuries that they can see

during an adoption process? that positive lens meant that they weren't looking in the way they should have been, and so you are right. that is something they should have done, that is something that we have as an organisation recognised and have taken that fully board. and have taken that fully on board. we have implemented a number of checks and balances into the system. elsie was treated in hospital for a fractured leg, but one of her injuries was missed. new practices are now being introduced. those children, whether they attend the a&e department or the fracture clinic are considered in the weekly safeguarding meeting so we can be sure that those children are not missed and those who are expert in this area undertake a little more scrutiny of whether we have asked the right questions at the right time. nine recommendations have been made to try to prevent opportunities to save other children being missed in the future. zimba bwe's electoral commission says

it will begin to release the results of monday's presidential election "very soon" and is calling for patience. the government there says it won't tolerate any further unrest, after soldiers and police clashed with protestors who believe the general election was rigged. president emmerson mnangagwa says he's been talking to the opposition, to try to defuse tension. three people were killed when troops opened fire on demonstrators in the capital harare yesterday. bring us right up today, do we have any sign of these results coming through? not any time soon, it would appear. we are hearing from zimbabwe's appear. we are hearing from zimba bwe's electoral commission we are still busy with the counting and verification process. only then will they be ready to make the announcement and also the electoral

commission reminding zimbabweans they have not broken any law, they are still within the confines of the law which dictates what they electoral commission needs to announce the results shortly after voting, which is within five days. they are saying they still within the five—day period and they want to make sure all the legal representatives where presenting all those 23 presidential hopefuls and that they are happy and satisfied with what the electoral commission is going tell the country. thank you for now. four men have been killed in a car crash in bradford. the vehicle they were in was being pursued by an unmarked police car early this morning. the independent office for police conduct is investigating. our correspondent ian white is at the scene. what more of the authorities saying? the authorities are not saying very

much at the moment. but as you join us much at the moment. but as you join us live in bradford ‘s, this is one of the busy roads into the centre of bradford. this is where the crash actually happen. you can see the cord been put up by the police to stop the see what is going on behind there. but it is a hive of activity. a low loader has arrived and we think is picking up the vehicle that the four men who died were in, a bmw. it was being followed by police at around 5:30am this morning when the accident happened. we do know much about the crash itself but we are told it was an unmarked car that was following this bmw. sadly, all four men within the bmw tragically died in the accident. because a police vehicle has been involved following this vehicle, the matter has been referred. they have released a statement describing it asa

released a statement describing it as a tragic incident and sympathies are with the families and friends of those who died. the matter was referred to the i/o pc as a matter of procedure and investigators have spent the morning here at the scene with roads, policing and crash investigation officers trying to establish what happened. we have seen establish what happened. we have seen police carrying out skid tests to recreate what might have happened. that is the latest from here in bradford for now. thank you. a rapperfrom london's drill music scene who was cleared of murder earlier this year has been stabbed to death. the 23—year—old rapper was known as incognito and sk. two other men were injured in the stabbing on warham street in camberwell yesterday evening. friends have paid tribute to the performer, who was part of the moscow 17 group. the brexit secretary dominic raab has been meeting france's europe minister in paris this morning. they discussed the progress of the brexit negotiations. dominic raab said he thought talks with the eu's chief negotiator michel barnier are going well. it comes ahead of theresa may's visit to the south of france

tomorrow for talks with the french president, emmanuel macron. £100 billion must be spent on revolutionising transport in northern england by 2050, according to a cross—party group of mps. they've written to the chancellor calling for government investment in regional road and rail links. it comes following the wave of disruption on northern rail, after changes to the timetable. the transport secretary chris grayling visited leeds bradford airport this morning to talk about the government's infrastructure plans, and he's been speaking to the bbc‘s harry gration. the times has said you should consider your position. the yorkshire post, our own version of the times, if you like, has said exactly the same. do you not feel beleaguered? do you not feel that something should give in this situation? what i know is that we're doing the right thing, which is investing more in railways in the north of england that has

happened at any time since the steam age. you know, we went through all the period when labour were in power, and literally nothing was done. back in 2004, they let a standstill franchise for the north. what we have now is a programme of improvement. this week, the restoration of the timetable has been about putting back an increased timetable, more services. now, there are still difficulties. there are still short—form trains, because the electric trains haven't started yet. that means there's a shortage of rolling stock. but this summer's difficult, it has all been about a big investment programme that has not yet come to fruition, and needs to very soon. what about the crossbench mps and peers who have all got together and gone to the chancellor appealing for some kind of major investment in northern transport, northern rail in particular? have you got anything to say about that? what can you do about that? well, what i can do is what we are doing right now to start off with, which is an investment programme in excess of £5 billion in railways in the north. a big programme of investment in roads in the north. we've just opened the last stretch of motorway grade road

from london to newcastle. heaven knows why that hadn't happened before. we are doing the smart motorways programmes on the m6, the m62, the m60. these are happening now. new road projects that are lying ahead, the a595 in cumbria, dualling the a66. these are projects that are now in development. this is a major investment programme. these things don't happen overnight. you can't wave a wand and suddenly create a new railway line, a new train, a new road. but these things didn't happen in the past. they're happening under this government. have you looked at your own position about this? you must hear what people say, it can't be very comfortable reading or listening for you? myjob is to deliver the best possible transport system. and you're not doing it at the moment. well, we have got a challenge this summer with a timetable that's gone wrong because of an infrastructure project that's gone wrong. myjob is to sort that out. i don't run engineering projects. myjob is to sort out problems when they arise. it shouldn't have happened. that's why we've commissioned a detailed investigation into what went wrong. but the reality is, at the core was an investment programme by the government that has been delayed. that was harry gration talking to the transport

secretary chris grayling. the time is 18 minutes past one. our top story this lunchtime. interest rates go up to their highest level since 2009 — the bank of england increases the base rate to 0.75% to try to tame inflation. and coming up, let the games begin — the new multi—sport european championships gets under way in glasgow. coming up on bbc news, andy murray calls his victory over kyle edmund his best so far as he continues his comeback from hip surgery while reaching the third round at the washington open. now, if you're watching this programme at the same time as scrolling through your phone, chances are you're not alone. new research by the communications regulator ofcom suggests that we check our devices once every 12 minutes during waking hours — and two in five british adults reach

for their phone within five minutes of waking up. and for the first time, the number of voice calls made on mobile phones in the uk has fallen. here's our technology correspondent rory cellan—jones. we're going to make some history together today. 2007, and steve jobs unveils apple's iphone. 2008, and the first android phones arrive. what has followed, according to ofcom, is a decade where we've become increasingly dependent on our smartphones. we're using them in all sorts of ways throughout the day, and three quarters of people questioned said they couldn't live without one. ten years ago, we had many different devices. we had mp3 players to listen to music. we had satellite navigation systems to take us around. today, all of that is compacted into one device, and now eight in ten of us own a smartphone, and really spend our entire lives on that smartphone. ofcom's research shows how addicted we are to smartphones. 40% of people check their phone within five minutes of waking up. the average person looks at their phone every 12 minutes,

and spends an average of two hours and 28 minutes a day using it. while there's some concern about how much time we spend on them, most people think the overall impact of smartphones has been beneficial. but there's a big debate about manners. is it acceptable, for instance, to have your smartphone out at the table, checking it? the vast majority of older people say no, but around half of those under 35 think it's ok. we're all working outjust how much smartphones should change the way we live. i think it's made my life better, but children's lives worse. yeah. definitely anyone my age would be pretty dependent on a device, whether they're just walking around the city, to find their way around or to communicate with people. a few years ago, i'd have been sitting here admiring the view, and now i'm on my phone. so it's kind of swings and roundabouts, isuppose. one thing we're not doing so much on our phones is talking. the number of mobile voice calls has fallen for the first time. rory cellan—jones, bbc news.

a hosepipe ban which was due to come into force in the north west of england on sunday has been withdrawn. united utilities says slightly cooler temperatures, recent rainfall and water—saving efforts by customers mean it doesn't need to introduce a ban at the moment — but the firm warned that restrictions could be possible in the future if the dry weather continues. detectives investigating the nerve agent poisoning of a couple in salisbury have removed two bins from an area behind shops in the city centre. the move comes after police officers spoke to charlie rowley, who was exposed to novichok, about what happened prior to him falling ill. the bins, from a cordoned—off area behind catherine street, will be taken to the defence science and technology laboratory at porton down for analysis. public health england says the risk to the public remains low.

in cricket, england added only two runs to their first innings total this morning as they were bowled out for 287 on the second day of the first test against india at edgbaston. but the hosts fought back, leaving india 76 for three at lunch. patrick gearey reports. traditionally it took time to get around birmingham. still does, on occasion. but one juggernaut has found progress increasingly easy. india's cricket team had the road cleared by their captain. virat kohli was a little more animated yesterday, after his crucial run out ofjoe root. mic drop, india on top. they had one job left, one wicket to take. it cost them two runs and took five minutes. sam curran the last to go. not everyone had even made it to the ground by the time that was all over. england 287 all out, a first chance now though to have a look at that india batting order. the opening pair didn't seem keen to wait patiently, for vijay.

the importance of an early wicket was clear. when the umpire would not oblige, england asked for technology. vijay escaped again. this is why england were anxious. this is what can happen when indian batsmen get their eye in. vijay was getting comfortable when england introduced sam curran. again, the umpire was not interested. again, england reviewed but vijay had run out lives. two balls later, curran did not need to replays to account for this. a 20—year—old who does not look it, current maturing by the ball, he leered shikhar dhawan to his end. the captain, superstar and provocative, virat kohli dropped the mike yesterday. today he has to carry his team. patrick gearey, bbc news, at edgbaston. it's being billed as a mini—olympics for europe, featuring some of the biggest names from seven sports, including athletics, cycling and rowing. the first european championships

get under way today, with more than four and a half thousand athletes competing for nearly 200 gold medals — with cyclists laura and jason kenny, and swimmer adam peaty among those taking part. the athletics will be staged in berlin, other events will be hosted in scotland. our sports correspondentjoe wilson is in glasgow. hello, welcome to george square, normally teeming with life here in the centre of glasgow, and for the next 11 days this will be the hub of the european championships. it is a new concept in sport, a simple idea to bring together seven existing european championships to maximise their impact and their exposure. aquatics, gymnastics, rowing, triathlon, even golf uncertainly is a well—known competitors. adam peaty, the swimmer who relentlessly chases records and medals. here is what he makes of the whole european

championships concept. it's almost like a mini olympics, the commonwealth games is exactly the same, european, the first of its kind. it will be great too obviously race on the european stage with all the other sports as well. it kind of brings all the media attention into one place and it kind of brings almost a team ethos together as well, so normally we would go into a race and go yeah, it's just europeans, but now it's europeans and it's got more of britain behind it, more of a of prestige behind it which obviously everyone wants to race for, really. the concept gets a bit more complex next week when the athletics begins in berlin, and the other sports continue here in scotland, but the organisers in glasgow believe that people get it, and they would point to over 114,000 tickets already having been sold. some of the sport did begin today, but the first medals will be awarded here tomorrow. thank you very much, joel wilson. a few £5 notes could be worth tens

of thousands of pounds — because they've been engraved with the image of the england captain harry kane. six notes have gone into circulation in merthyr tydfil in wales. the micro—engraver graham short made the notes after kane won the golden boot for scoring the most goals in the 2018 world cup. the artist previously etched jane austen onto £5 notes. a retired couple from aberdeenshire have won a lottery jackpot of £58 million. fred and lesley higgins matched all the numbers in the euromillions draw on the 10th ofjuly. but it nearly wasn't to be — after the winning ticket was mistakenly ripped in two, as fred higgins has been explaining. basically, he checked it, tour the ticket in half and put it in the bin, and then the machine came out with the winning slip you normally get when you win the lottery, but no

figures on it, just saying, contact the lottery headquarters. just 5.7? or nothing. when you discovered it was 67 million, what was going through your head? was 67 million, what was going through your head ?|j was 67 million, what was going through your head? i really don't know. i thought 5.7 million was a good figure, but this is even better. wasn't it? holiday—makers heading to spain and portugal are being warned to be prepared for extreme heat — because record temperatures are expected on mainland europe in the coming days. the current record is 48 degrees celsius, measured in athens more than 40 years ago. chris fawkes has the details. high temperatures in spain and portugal are not unusual at this time of year in the summer, but what is to come over the next few days is extreme and perhaps record leaking.

—— record—breaking. portugal is set to have its hottest temperatures for yea rs, to have its hottest temperatures for years, possibly exceeding its record of 47.3 celsius, and spain can also set a new national record. the summer set a new national record. the summer has already seen a number of temperature record smashed across the northern hemisphere, and now it looks like it might be europe's turn. over the next few days, an area of low pressure satjust to the west of morocco is going to stop the cooler atlantic airs from reaching spain and portugal and instead, air that was already heated from southern france has drifted across spain and portugal and it stagnates here, the winds fall light, and that allows temperatures to build up day by day. we are likely to see temperatures peak at around 47 degrees, that will challenge the national records for spain and portugal. if we get to 48 degrees, it would make it europe's hottest day ever on record. to add to a list of records we've already seen this year, japan and south korea have already set new national temperature records, and algeria has equalled their temperature record with highs of 51 degrees. the big question is, will europe be next? climate change is shifting the odds

in favour of heatwave is becoming more frequent. extreme heat waves can become deadly. during the heatwave of 2003 that set the uk temperature record of 38.5 celsius in faversham in kent and the french record of 44.1 celsius, it estimated the extreme heat killed 35,000 people in europe. over the next few days, another concern is that high temperatures could trigger thunderstorms, which may not bring much in the way of rain, but lightning may bring the threat of igniting wildfires. if you are heading to the heat, the advice is to keep out of the midday sun and stay well hydrated. time for a look at the weather. here's helen willets.