tonight at ten: after historic lows, interest rates have been raised for only the second time since 2009. the increase, by a quarter of a point to 0.75%, will mean higher mortgages for some. every decision i make about what i'm doing in my daily life, i have to think, "do i have the money to do that?" and it's just really frustrating and it holds me back. what does the increase mean for savers and is the bank of england considering more rate rises? also tonight: calm on the streets of zimbabwe — an announcement on a new president is imminent, following the disputed election. she was murdered by her adoptive father. now a review finds chances were missed to save 18—month—old elsie skully—hicks. a special report from nicaragua, where more than 300 people have been killed in violent protests over the rule of president 0rtega. with nearly eight out of 10 britons owning a smartphone, we look at how digital devices, are transforming people's lives.

and england crash out of the hockey world cup after defeat to the netherlands. coming up on sportsday, captain poli makes a brilliant century, his first on english soil as day two of the first test ends beautifully poised. good evening. interest rates, after remaining at record low levels, have now been increased for only the second time since the financial crisis of 2008. the bank of england's monetary policy committee voted unanimously for the rise, from 0.5% to 0.75%. the change had been widely predicted, despite concerns over rising personal debt

and a slowing housing market. it means more than 3.5 million mortgages subject to variable or tracker rates will become more expensive. but it's good news for some savers. here's our business editor simonjack. the road to rising interest rates has been a very slow one. like the tarmac on this road near lincoln, rates have been flattened for nearly ten years. that changed today for one main reason — wages are on the move. after years in the doldrums, they're rising at 2.7% per year. that's faster than prices are going up in the shops, as employers struggle to recruit and retain staff. that prompted the bank to raise rates from 0.5 percent byjust a quarter, to 0.75%. because although the economy doesn't look like it's moving very fast, according to the governor, upward pressure on prices is growing. the overall level of pay is now finally outstripping the rate of growth of inflation. pay packets are growing faster

than prices online and in the shops. what we want to do is part of the reason why we have made this adjustment, is to ensure that continues to be the case. so that the economy remains on track and people who are just starting to get ahead, those people in work or seeing the pay increases, that they continue to get ahead. back on the roads, the impact of unemployment at a 15—year low is clear. i'm having to offer at least 15—20% more than i was three years ago for the guys on the field to carry out the works for me. if i venture into the sub contract market, there's at least that percentage uplift in the value of the man hourly rate that i'm having to pay. that's the employer's view, what do employees think? jez haines is on a tracker mortgage, whose cost will rise, along with rates. starts making me think i haven't got much money in my pocket to spend on the high street. it starts making me worried that the disposable income i had a week ago, last month, from my pay packet has gone.

here on the high streets of lincoln, there are some young pedestrians who weren't even born last time rates were this high. it feels like interest rates have been at rock bottom forever. it has been a decade which has been great for borrowers and bad for savers, and it's changed our behaviour. we are now spending more than we are earning, and you can't do that forever, so the bank of england will hope that nudging interest rates higher will make us save a bit more and borrow a bit less. the question for the governor is how fast and how high will they now rise? let me answer it this way. if you take what financial markets think, which is about one interest rate increase a year, of a quarter of a percent a year for the next few years, you know, people want a rule of thumb, for now i would use that. that could be it for the time being. a sensible move given what's lurking around the corner, according to some city economists. we think that interest rates

won't rise now for another year, and that's because we see a number of uncertainties on the horizon, in particular over brexit. we think the policy makers will probably want to wait until after the uk has left the eu, to see what, if any, impact there is on the economy, before they decide whether to raise rates again. a new era? not really, but it's a small step back towards economic normality. simon jack, bbc news. as we've been hearing, a rate rise was widely expected, with growth, consumer confidence and spending picking up after a weak start to the year. but what does it mean for households? our personal finance correspondent simon gompertz has been finding out. this is where a rate rise can hurt. for homeowners in the hertfordshire town of hemel hempstead. they're caught between the high house prices of london's commuter belt and the lower wages of middle england — many onlyjust managing

to pay the mortgage as it is, let alone with an increase. young buyers like sarah... hello. ..who already has to find £800 a month. any more and she'll struggle to support her fledgling business, advising on how to sell on the internet. it would affect my food shopping, i don't buy meat products any more, it's just too expensive. my heating and energy bills i'm constantly watching because all my spare money has to go on paying my mortgage now. how do you deal with that pressure? it makes me feel really stressed out. i hate thinking about money, but it's constantly on my mind. it's those like sarah, with variable rate mortgages, who might see payments go up. there are 3.5 million of them, with an average mortgage of £112,000, with today's increase likely to put an extra £14 on their monthly bill, though it could be more. it's notjust mortgage borrowers like sarah here who care

about interest rates, plenty of her neighbours are savers, and while their worry is whether the banks and building societies pass the interest rate rise on, they welcome higher rates. as a family, we have an isa, and we haven't really benefitted for the last couple of years. also being a single mum, i'm going to see benefit for my whole family. instead of people being encouraged to save, the message always, always seems to be, just go out and borrow more money. so higher interest rates that encourages people to save? absolutely, yes. the most popular way of saving is in a tax free cash isa. 16 million people have them, with average savings of more than £11,000. the rate hike will yield just £28 extra a year if it's passed on. none of this makes much difference if you rent, and don't have much to save.

it doesn't affect me at all because i've got no savings and if i did want a loan at some point then maybe it would. so some dodge the effects of the interest rate rise but those facing higher costs in towns like this have to worry that soon, perhaps next year, rates are set to go up again. simon gompertz, bbc news, hemel hempstead. results in zimbabwe's presidential election are expected any minute. today, there were calls from the international community for restraint, as the nation waited for an announcement, following yesterday's violence. the two main candidates are emmerson mnangagwa of the ruling zanu—pf party, and nelson chamisa, leader of the main opposition group, the movement for democratic change, which claims zanu—pf has rigged the election. 0ur africa editor fergal keane is in the zimbabwean capital, harare. the results declarations are still

going on. we've had nine out of ten so going on. we've had nine out of ten so far, five have gone to emmerson mnangagwa of zanu—pf and four to nelson chamisa, the leader of the 0pposition. we expect a final result within the next half an hour. they have come at the end of a day of growing polarisation here. the city awoke to no result, and the traumatised aftermath of violence. but there was a dramatic public appearance by the leader of the opposition. nelson chamisa had come to visit wounded people in hospital. but international pressure on him to help de—escalate the crisis seems to have had little effect. offered the chance to call for a restraint from his supporters, this was his response. there is no reason for us to ask them to show restraint, because it's always been restrained. our people are peace loving. we have demonstrated several times and we are peace loving people. zimbabweans love peace, but they have a very violent government. in the aftermath of death and injury, this was the normally

bustling centre of harare today. soldiers had warned people to go home. this isn't the typical busy harare of a thursday afternoon. it's an apprehensive place. it's a city whose streets don't belong to the people today, but to men with batons and guns. at the headquarters of the opposition, we found a stand—off. police had arrested several people who had been taking refuge there since yesterday. the face of a prisoner. they were still seeking the surrender of more holding out inside. the government side has given mixed messages, some warning mdc leaders they face arrest. 0thers appealing for restraint. certainly it is supporters of the mdc led by chamisa who caused the trouble. i am happy that our supporters exercised maximum restraint and were not involved, and i am appealing to them to

continue to exercise that maturity. in the wake of the harare violence, pressure mounted for an imminent declaration of the presidential result. do you accept that the longer this goes on, the more it looks, particularly to opposition supporters, that there's a fix? we do acknowledge, like the deputy chair says, that the longer it takes the more anxiety that is there amongst our citizens, but we need to do the whole process within the confines of the law. back in mdc headquarters, the police, armed with a warrant, raided and arrested the remaining supporters holed up inside. the faces of those arrested tell their own story — of harare and of zimbabwe's politics today. fergal,, still no result, we are

still waiting but whoever wins the presidency is going to have a devil ofa presidency is going to have a devil of a job healing deep divisions. absolutely, we saw those extraordinary scenes of violence on the streets here yesterday, soldiers chasing people with bayonets, shooting people with live ammunition. we have just shooting people with live ammunition. we havejust been told they have adjourned the counting process for 60 minutes, that is to verify one final constituency. remember that the winner needs to get over 50%, a simple majority, but that won't be enough, a simple majority, to heal the wounds, as you point out, in this deeply divided country. there will be great pressure in the coming days, from moderates on both sides and the international community for those who have indulged in inflammatory rhetoric, those who have sent soldiers out to shoot at civilians, to try and step back from the brink and create a sense of calm so badly neededin and create a sense of calm so badly needed in this country, so that people can get back to the high hopes, if that is possible, that

existed in the wake of the overthrow of robert mugabe last november. it isa of robert mugabe last november. it is a very, very tough job. fergal, thank you, live in harare. the result delayed in 60 minutes but if we do get anything, we will bring it to you. a prominent rapper, who was cleared of a gang—related murder earlier this year, has been stabbed to death in south london. siddique kamara was 23, and, with his group moscow 17, performed a type of rap called drill music, which police have associated with violence on british streets. two men are in custody on suspicion of his murder. chi chi izundu's report contains some flash photography. this is incognito, his real name is siddique kamara. he was stabbed to death last night, the latest murder on london's streets being associated with drill music. siddique was part of a rap group called moscow 17. people here say they heard shouting, saw a person lying on the ground before seeing men splintering off and running in different directions. two others were stabbed and police are still looking for evidence. this is the estate where siddique's

family actually live and if you walkjust a few metres, you can see the white tent where his body was found. and at these bollards in may, 17—year—old rhyhiem ainsworth barton, who was also in moscow 17, was shot dead. "check the scoreboard, how you going to make it even?" some of the lyrics directed at rival local group zone 2 in a moscow 17 track which had thousands of views online. earlier this year, siddique was acquitted of the murder of someone associated with zone 2. the metropolitan police have asked youtube to remove some drill videos they say encourage violence — and, in an interview injune, siddique agreed the music could be partly to blame. do you think drill music incites violence? see, with the crime that's happening right now, music does influence it. you've got to put your hands up and say drill music does influence it, innit? andre, who conducted that interview, says siddique's death came as a shock.

i was sad, sad. i was confused at first, i didn't want to believe it because i had spoken to him on the phone recently and he told me about his ambitions and things that he wanted to do within the next couple of months. this killing has caused tension here. this evening, at a meeting with locals, police and the council, there were calls for more visible security. siddique's friends and family say they are devastated, as his murder becomes the 84th in london this year. chi—chi izundu, bbc news. four men have died after their car hit a tree during a police pursuit in bradford. the bmw was being followed by officers in an unmarked vehicle, in the early hours of this morning. the independent 0ffice for police conduct has begun an investigation. fiona trott is at the scene for us tonight. fiona. the past few moments clive, around 50 people have gathered here, to say

prayers for the four young men who died today, cars just stopped at the side of the road and people got out and joined them and paid their respects. tonight, investigators have confirmed that the car that was being pursued was travelling at speed. what we don't know is why it was being chased by the police in the first place, people here, in the area say that speeding cars themselves are an issue, that is something that the independent 0ffice something that the independent office for police conduct may be looking after at, they have taken over this inquiry, they have vital evidence already, they have state m e nts evidence already, they have statements from the police officer, they also have dash cam footage from they also have dash cam footage from the police car too, but people here, in this part of bradford, are being asked to be patient because this is an investigation that will take some time. two of the men, who died here, earlier today, have been identified. their names have not been released. their names have not been released. the iopc has put out a statement. it

says this is the most tragic incident and our sympathies are with the family and friends the electronics giant apple has become the first company to reach a trillion dollars in market value. the firm's shares briefly peaked today at $207.05 cents on the new york stock exchange, following strong financial results posted yesterday. apple began 42 years ago, selling personal computers. it then expanded its range to include the ipod music player, and the lucrative iphone in 2007. with large parts of the mediterranean experiencing a scorching heatwave, tourists heading for europe, are being warned to take care in the blazing sun. forecasters warn temperatures could reach record levels in the coming days, hitting the mid—40s. south—west spain and portugal are set to see the most intense heat. a report has found that there were missed opportunities to protect an 18—month—old baby girl,

who was murdered by her adoptive father. cardiff and vale's regional safeguarding—children board has now apologised, following the death of elsie scully—hicks, who died in may 2016. she was subjected to a catalogue of injuries, over several months, by matthew scully—hicks who's been jailed for life. sian lloyd reports. elsie was 18 months old when she was murdered by her adoptive father. matthew scully—hicks was sentenced to 18 years in prison. his violent attacks had left her with a fractured skull, broken ribs and a fractured leg. today a report was published into whether lessons could be learned from her death. there were missed opportunities to raise safeguarding concerns. for this, all agencies involved in elsie's care would like to sincerely apologise. the report also found that the adoption was viewed as very successful. opportunities to explore elsie's injuries were missed, and information was not 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 hadn't 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 round injuries they can see during an adoption process? that positive lens meant they weren't looking in the way they should have been, and so you're right. that's something they should have done, that's something we have as an organisation recognised, we have taken that fully onboard. children's charities say lessons must be learned. some resolution needs to be found, so that information is shared. but the other thing is that basic social work premise of questioning, and having professional curiosity about what you're being told. elsie was treated here at the university hospital of wales on a number of occasions,

but they didn't spot that her injury had been inflicted. now, changes have been introduced to ensure that any child brought here under the age of two for an x—ray will be seen by a specialist, who will assess whether the injury is non—accidental. in all, nine recommendations have been made to prevent opportunities to save other children being missed in the future. sian lloyd, bbc news, cardiff. first, they were small protests over pension reforms. now three months on, more than 300 people have been killed following a wave of anti—government demonstrations across nicaragua. the president of the central american country, daniel 0rtega, is deeply unpopular with the protestors, who want democratic reforms. they say the former revolutionary, now in his third consecutive term, needs to stand down and they're calling for early elections. arturo wallace reports now, from the capital managua. every morning, they wait.

wives, mothers, grandmothers, hoping for news. the other side of these gates, nicaragua's most infamous prison, el chipote. a0 years ago, the nicaraguan rebels known as the sandinistas were tortured here. now, under president daniel 0rtega, who helped lead the 1979 sandinista revolution, the cells are filling up again. hundreds are being held. elida's17—year—old son is one of them. translation: i am sad, because i know my son needs me. what i want is for them to give me back my son, because he's innocent. that's what i beg for, to have him back. he was one of hundreds of thousands

who took to the streets to protest against president 0rtega. what began as a stand against pension reforms snowballed into widespread civil unrest. so far, more than 350 have died, many of them students. remembered on this busy roundabout in nicaragua's capital. alvaro was only 15, he was a child. his death was a catalyst. it led to hundreds of barricades appearing all over the country. a physical symbol of resistance, but also a powerful echo from the past. when daniel ortega and his sandinista revolutionaries used the same cobblestones in the same way to overthrow nicaragua's most infamous dictator, anastasio somoza. a0 years later, now

as president 0rtega, he sent in his police and paramilitaries. here in managua, there were barricades down every street, now there is mostly rubble and most of the people who were behind them are either injail, in hiding or dead. a protest leader agreed to meet us at a safe house. many people have been tortured or assassinated. there have been many disappearances, many people's bodies have never been found. so what does this mean for the protests? 0rtega is already defeated, that is a fact. he has lost the people, he has not got international support. eventually, he will be forced to negotiate his exit. but that is not a feeling shared by president 0rtega or the many thousands who joined him to celebrate revolution day. what the government has done is what any government would have done.

killing people? i'm killing people? it's not killing people, it's defending. the government did what they had to do, they cleared the barricades and death occurred. he may say death "just occurred", but president 0rtega's facing rising international condemnation. he has refused to call early elections and says these are not paramilitaries, but volunteer policemen. and yet, despite the crackdown and a rising death toll, the protests continue. the future of nicaraguan is at stake and neither side is willing to give up. arturo wallace, bbc news, managua. the roman catholic church says capital punishment is never acceptable, under any circumstances. pope francis had previously spoken out against the use of the death penalty, and the vatican says it will work for abolition across the globe.

he says killing a prisoner "deprives the guilty, of the possibility of redemption". the way we interact with technology has changed dramatically in the last decade. nearly eight out of ten people now own a smartphone, and according to a new report by the communications regulator, 0fcom, we're now becoming increasingly dependent on them. it's estimated the average person checks their phone, every 12 minutes, with 40% of us taking a look within five minutes of waking up in the morning. but for the first time ever, the number of calls made on mobiles has fallen. instead we're turning to messaging services like whatsapp and facebook messenger, to keep in touch. rory cellan—jones has been to meet one family, to see how technology has changed their lives. dad, what you doing? making some crazy music for instagram. meet the louis family and a home full of smartphones and tablets

which have transformed the way they live. i'm andre and i have a smartphone. i'm kirsten, i have a smartphone. i'm jake and i have a smartphone. i'm alice and i'm too small. dad, how do you use your smart phone? i use it to check e—mail and text messages. how has it changed your life? it's made me become a more independent person. i am visually impaired so i find i can i use my phone to do more tasks than i could previously and it enables me to navigate safely. mum, how do you use yours? i use it to wake me up, tell us the weather so we can plan our day, to do all the shopping, so i don't have to drag you guys round the supermarket every week. andre makes a living from composing music. the technology for visually impaired people on smartphones has given him a whole new way of working. and 2.28. but 0fcom says we have become dependent on our phones

over the last decade. the average person spends two hours and 28 minutes a day on their phone. 71% of users say they never turn it off, while 78% say they couldn't live without it. this report shows that generally we are pretty happy with the changes smartphones have brought, particularly the ability to connect with friends and family, but we are concerned about how much we use them, and there are questions of good manners. should you be checking your phone at the dinner table? well, nearly everybody over a certain age thinks that is right out, but the under 35s, well, round half of them are ok with that. and are there any rules about how we use our phones? there are rules, you are not allowed to use it outside of the house, we do not use our phones at the table. and you are not allowed to use it for overa certain amount of time each day. the family rules do allow everyone to multitask on phones and tablets while in front of the tv.

up and down the country we are all deciding what are good manners for the smartphone era. rory cellan—jones, bbc news. after a dominant day in the field, england faced a stubborn late stand by india's batsmen on the second day of the first test at edgbaston. the tourists made steady progress this morning, before surrey bowler sam curran took three wickets for just eight runs. but india's captain virat kohli responded with an impressive 149, and they were eventually all out for 274. england, in theirsecond innings, are 9—1, 22 runs ahead. at the women's hockey world cup in london tonight, england, the hosts, are out. in the last hour, they lost their quarter final against the reigning champions, the netherlands. but ireland have reached the semi—finals for the first time. jo currie has more. it may be possible to take the summer's good weather

for granted, but sporting success remains a little more mercurial. in their effort to emerge from the crowd, england and ireland would need to handle the heat and keep their cool. just try telling their fans that. a united ireland, ranked 16th in the world, a team given little chance on hockey‘s biggest stage. unlikely quarterfinalists against india, having beaten them in the group stage, goalless in normal time, penalties would decide their fate. the goalkeeper made three vital saves, to leave chloe watkins with the stroke of her stick to instantly become a star of ireland hockey. we put so much hard work, notjust this week, notjust the last few months but the last few years, and it's just so satisfying to get the rewards here and show the world what we can do and how we can play. a team who hadn't qualified for a world cup in 16 years, now through to a semifinal against spain. and already the surprise sensation of the tournament. england, on the other hand,

had had an underwhelming start to their campaign and that continued against the reigning world champions. 0verrun early on, they were behind. the theme then continued in the second half. a loose pass and smart play unlocked the england defence to hand laurien leurink a second. for a team that has tasted so much success before, this will very much feel like a failure. and that disappointment will be felt each more acutely this evening in the knowledge that a home world cup only comes along once in a life time. so soon after many of these players won a medal at the olympics. ireland are not one match away from a world cup final. they will fancy