good morning. welcome to breakfast with charlie stayt and naga munchetty. with me is james hughes, our headlines today: who's chief market analyst, at axi trader. the eu agrees to delay brexit beyond the 29th march, welcome back. the front page of the after late night talks in brussels. guardian, an appeal from theresa all options will remain open and the welcome back. the front page of the guardian, an appealfrom theresa may and the eu seizes control of the cliff edge date will be delayed. theresa may has been offered two new brexit deadlines brexit debate to dig a damning in april and may. we'll tell you what happens next. rescue workers try to reach indictment, castigating theresa may people cut off by floods after a major cyclone in southern for not being clear about what she wa nts for not being clear about what she wants or how she will execute her africa. planned. and of course none of this is new news to anyone because this has been the case for such a long period of time now and what has changed, of course, from yesterday to today is the fact that there is an official delay to brexit happening but everything is still dependent on whether teresa gets the deal voted through and the chances are that she will not. there is no change here. all we know is that

from the point of view of the eu we know there stands and we have dates. emmanuel macron is being strong from his side on what he thinks about the extension to dig but we need something different. the speaker has told us we need something different. when continue to take this to the house of commons to try and get something to pass but it does seem like the situation is we do not have any idea where the light at the end of the tunnel is coming, we don't know what brexit means for us, we don't know what post brexit britain will look like or what it will do to the economy or the market with a nest and this is three years down the line to dig we do sound like a broken record all the time because the answers are just not there. we have no idea of what brexit means for us to dig we do know that

emmanuel macron is pushing to get this done to dig angela merkel as being more cautionary because she wa nts to being more cautionary because she wants to avoid a no deal brexit. that would be bad for the eu to dig when we talk about theresa may's deal, it notjust her deal. it is the eu ‘s deal as well. so of course they want the deal put through. they do not want no deal to happen but we come into next week, the same as this week, and we see what happens. and that is as much as we can tell. there are stark warnings about the impact this could have on the economy. what are your assessment on how the market will react? it is interesting how they have reacted previously because we have seen for a while markets moving and sterling moving on the back of anything that pointed towards brexit not happening being positive. one thing we have an

idea about is that economically things do not necessarily look good ona no things do not necessarily look good on a no deal basis. whenever they gets closer that drags the pound lower. anything that points to brexit not happening at all has been positive. from the point of view of the market it is the uncertainty that causes problems now and that will go on into next week and however long after that. this is the front page of the financial times with their article, a warning that theresa may faces a national emergency. they want to give her a warning but they do not want to introduce panic into anything, into the markets or to business. the deadline is approaching and we have one week left. what are they saying is the worst case scenario? they say that things, a generation, it could take, or more, to pull back from this and recover. they say we will have, economically, a lost generation wherejust have, economically, a lost generation where just because of the uncertainty that goes there. we have

to remember that we don't know what the situation will be like. these are warnings that come out and no deal is bad for europe, bad for the uk. but both these groups are being stark in their warning about what they are saying. the language being usedis they are saying. the language being used is talking about catastrophic economic impact with finesse. we know that the bank of england has warned about this as well. we know that the situation is economic from the negativity that is coming. but what we need to remember is that the people who voted for brexit, many of theissues people who voted for brexit, many of the issues are not economic issues. they voted to leave the eu but it was not for an economic reason. many people are looking at the situation and saying, well, the gdp could be hit but that is not my main concern. there are so many different aspects to why this is happening, it is not just the economic issue that will cause a problem. moving away from

brexit, if we possibly could for a few minutes. climate change. not a positive story here either. this is the guardian online saying that insurers sell warning that climate change could make cover absolutely unaffordable change could make cover absolutely u nafforda ble after change could make cover absolutely unaffordable after the largest insurance form blamed global warming for billions of dollars of damage after the california wildfires. increasing insurance premiums is not necessarily a new story but this is about climate change, it is a massive issue and it is for a number of industries. when we look at the amount of insurance pay—outs that happen because of weather related issues, anything that comes from a weather—related issue like a wildfire or flooding is weather—related issue like a wildfire orflooding is blamed on global warming. and it is interesting that wetter winters lead

to forest growth and forest growth in summer when it gets an extra hot summer in summer when it gets an extra hot summer months, they dry out and there is more chance of wildfire and thatis there is more chance of wildfire and that is exactly what is happening. much of this does focus on that california wildfire situation but we know this will be an issue going forward. notjust in the us and california but all over the world. it is inevitable that household insurance will be pushed higher because the threat is bigger. the worry is that this makes this sort of insurance unaffordable for an average person. and a knock on effect is that this could pose a threat to social order. why? the insurance situation. insurance companies will have us believe that everybody needs insurance and without it you are fundamentally at risk. that is an issue to dig but by

not having these overall basic insurance things in your house then it becomes a bigger issue when the things do happen. and they are happening more regularly and you can see how those issues will result. let's have a look at the story and many papers across the world. we're looking at the abc from australia about health app with an as who sharing our data. we have these app with an s for weight loss, to measure our blood pressure, all kinds of things. but data is key here and what data are we giving away and how is it being used? this is the question. we do not know and thatis is the question. we do not know and that is the biggest threat to the situation. we all have different app with finesse. many are already stored on your phone and you cannot remove them and you don't know when they take or why they take your data. what they say here is that they looked at 2a app with an s and

i9 they looked at 2a app with an s and 19 of them shared data outside that app to dig a majority to a third—party company, and many going to an fourth party company. such a wide spectrum. many of us are sceptical when we have a conversation and all of a sudden we see an advert pop—up. we have all beenin see an advert pop—up. we have all been in that situation. and when we have app with a alarm... they may offer as a coffee voucher if we did not sleep long. you can see that it isa not sleep long. you can see that it is a massive business. four for health insurance as well. all sorts of implications, drugs that you need... of implications, drugs that you need. . . and of implications, drugs that you need... and one of the company is is, once again, facebook stop looking at our last story. every school needs a dog is a stress buster. this is advice from a vice chancellor at a university in buckingham.

teenagers online are living a life with pressure to have a perfect instagram life. it is about easing anxiety and they say one of the key ways of doing that is by having a dog in every school in the uk. how does it destress kids?|j dog in every school in the uk. how does it destress kids? i have a dog and honestly, it is stressful for me. but i know a few of my friends who work in special needs schools where they are a key part of the education. i do understand that. we need to leave it there. thank you very much for coming into talk to us. very much for coming into talk to us. much more to come in a few minutes. don't forget you can get in touch with me on twitter.

18 degrees in the sunshine in yorkshire on thursday but for much of the uk may be mild but it was cloudy again. that cloud is still with us as friday starts but there are changes on the way. this weather front are changes on the way. this weather fro nt m oves are changes on the way. this weather front moves south into early saturday and behind it may be cooler but there are clear conditions and that tomorrow we see sunshine over the weekend. head of that, we have this cloud to start friday. damp and drizzly in places, misty, murky but very mild. this bears down on north—east scotland and as it moves through we will see wind strengthening across northern england, northern ireland and scotla nd england, northern ireland and scotland where we will see strongest during the day. in excess of 60 miles an hour across the northern and western isles. the rain moves south reaching into parts of north—west england and north wales but behind that weather front land appears. an indication that the sun is emerging. blustery showers and wintry on hills. ahead of the

weather front, plenty of cloud with brighter breaks and along the south coast but mostly mild. the front continues to move southwards with cloud increasingly light and patchy rain in the evening and night before grinding toa rain in the evening and night before grinding to a halt close to the south—east of england and into east anglia where it remains mild for another night. damp in places and elsewhere under clear skies it is cool night with a touch of frost in parts of northern england, ireland and scotland. this weatherfront parts of northern england, ireland and scotland. this weather front is bringing a change, cool conditions in time for the weekend, more of us seeing sunshine but the front lingers close to south—east england with a lot of cloud and drizzle. showers on a brisk wind continue to push into scotland. wintry may be on hills and may be showers into northern ireland. temperature is

around 9— 12 degrees, so they will be down to recent days. more widespread frost on sunday morning. brightening across the south of england on sunday with heavier and prolonged downfalls on scotland. again wintry on hills, similar temperatures, blustery and northern scotland. this is how the weekend is shaping up. it will be different because the weather front will have moved on through. cool days, chilly nights with a touch of frost but more on the way of sunshine around. those showers, blustery and in places wintry and scotland.