but hsbc insists that pepper isn't replacing any jobs.he isg augment those that already exist by handling the more mundane tasks. hsbc says pepper ensures customerprief. customer dataro zero personal identifiable information. pepper is not asking for it. she is not scoring it. not recording. >> each pepper costs about $25,000. an investment inhsbc says they recouped 3 hours after installing her at their flagship location in new york this summer. the firm saysht she bro in more foot traffic and those customers haved sigp for credit cards, checking accounts and other revenue generating projts for the company. but pepper is not all business. she loves to show off her moves. tell jokes. >> what do you call an alligator >> i don't know pepper. >> an investigator. >> and even take a selfie. regardless of the gimmicky side hsbc is banking on pepper even if she just helps someone crack a smile. >>> the future of the genetic astro relies on people learning more about their past and that's helped by the rice of direct to consumer dna testing kits.

hsbc, standard charter, santander are trading in the green. i'm happy to say i got a bank specialist with me, a senior analyst from axiom alternative investments joins us, and peter oppenheimer from goldman sachs is still with us let's talk about some of that divergence that emerged yesterday. investors going straight to reward banks with international exposure punishing banks with domestic exposure. seems like some of the moves may have been overdone >> indeed. the key to read this under-performance is probably in fx and the exposure of those banks to the weakness of sterling rbs, lloyds as well as the insurance sector, the stocks that are the most correlated to sterling weakness. what we've seen yesterday we saw as a strong performance from hsbc and standard chartered, who were up 2% on the day. so that's probably the key to understand this move the banks are actually indirectly impacted by the brexit with all elements they were barely mentioned in the 585-page document, and they are feeling the pinch on the rates expectations whereby the ou

. >> hsbc ceo, john flint, has finally delivered the growth investors were going for.djusted pretax profit was up 16% with revenue up 9%. the jaws figure is moving in the right direction for the bank, indicating the lender has managed to increase revenue faster than costs in the quarter. hsbc also said it was on track to deliver positive news for the year. >> all banks have a huge investment program at the moment, multibillion-dollar investment programs. part of it is investment for growth. but we are still struggling to understand the roi on these huge investments. so if you are investing so much that actually all of your revenue growth is offset by cost growth and the market does not understand what that cost growth is for, it is technically value destructive. if the market buys into the fact that investment is increasing, it is a positive for the shares. >> let us give you the numbers from b.n.p. paribas. the buffers of capital up .25%, up basis points. 25 but net income, $2.12 billion, and global markets had its second-worst quarterly revenue since 2016. fixed rate

. >>> hsbc is investigating a data breach affecting an unknown number of customers. the bank says that less than 1% of their customers' accounts were compromised last month. hackers may have accessed account numbers, mailing addresses, phone numbers, email addresses, birth dates, and account details like balances and transactions history. hsbc is offering affected customers a year of credit monitoring and identity theft protection services. on wall street, stocks rallied after the midterm elections. the dow was up 545 points. the nasdaq was up 194. the s&p 500 gained 58. the indices were each up about 2% overall. >>> she opened her door and all she saw were flames. neighbors captured what happened next. still to come, more of the dramatic rescue from an apartment in san jose. >> plus, a quick thinking poll worker saved a life on election day all with the help of a few friends. >>> a poll worker and voters spring into action inside a polling station in washington, dc. it helped to save a man who had collapsed from a heart attack moments after he got his ticket to vote

strategist from hsbc joins us now. october is a horrible month you are a long equity investor.he united states. we sawtek down, oil down, and has the last month changed in any way you're thinking about where we are in the cycle and where we should be investing money? not really. i feel like a lot of bad news is now in the front. there is a bit of a concern about the cycle, and indeed there is a rotation into more defenses positions as a result. the u.s. cycle is still healthy, and the u.s. data, you were talking about europe versus the u.s.. u.s. data is stronger than in europe, whether that is pmi, the price indices, earnings, more importantly. too early it is think to count the u.s. out. the dollar will still be supportive and the u.s. is still overweight. comfortable are with that because of valuations? the data is still better out of the united dates. do the new values on u.s. equities make you comfortable with that? >> so the fundamentals in the earnings, two, the valuations gap between the u.s. and europe has narrowed a little bit, and number three, we think in terms of t

hsbc beat. bp beats. the u.k.arket is looking very cheap if we look at it from a dividend yield point of view for example. .he yield is about 4% this is higher than it was in 2011. the european crisis, so to us, it looks like that is good value. we are going to have to leave it there. this is one of the morning's record of the morning for it is a crash of earnings. we will get deeper into the conversation shortly. .e have another ceo for you their earnings have hit the table. us for an exclusive interview. miss?e thiam, how did you what went wrong? he will explain. nejra: when you are traveling to work, if you have two separate from the tv, tune into bloomberg radio on your bloomberg device or dab digital radio in the london area. it is a busy morning. this is bloomberg. ♪ nejra: "bloomberg daybreak: europe this is "bloomberg daybreak: europe." i am narrative -- this is "bloomberg daybreak: europe." i am meriting its. manus: i am manus cranny. assets for the nine-month period of 209.4 billion swiss frames. joining

still with me to discuss is henry peabody from eaton vance, mary bowers from hsbc global asset managementd alberto gallo. mary, we have to get you on the oil market. within opec meeting through -- with an opec meeting through the weekend and we see a big move lower in crude, can high-yield stay as resilient as it has done? mary: what we see now through the workings of the oil market and the high-yield cycle, we saw the -- cycle in high-yield. that flushed out a lot of the lowest credit quality in energy. yes, what we have left are a couple of bad actors, but by and large, the credit quality is much higher and they can extend lower -- they can withstand lower prices of oil. jonathan: henry, is that your stress test? henry: you washed out a good deal of the market. on oil, one of the interesting things about it is this iranian situation and how trump has given out to several nations ahead of the midterms. i think he knew he could not have $3.75 gas going into the midterms. he has a year or so before he needs to worry about his reelection. and he can actually put the boot to iran a little bi

hsbc not faring we are definiteg concern about what comes next.ne of the questions being raised are the odds of that will go back to the british people in the form of a second referendum, especially this transition period comes into play. have rising odds there may be another referendum. it is interesting to see that in the expectations. shery: just a few months ago if he talked about a second referendum, a lot of people would have laughed. given what we are seeing at the potential of triggering a no-confidence vote against prime minister may, everything seems to be on the table. amanda: everything except her future. theresa may.is standing firm the pre-brexit army in her party is forcing a vote of no-confidence. she said she plans to see this through. >> i will do my job of getting the best deal for britain. i will do my job of getting the best deal for the natural -- national interest. mp's will be doing their job. they need to look at the deal and consider the vote for the british people to leave the european union and our duty to deliver on th

hsbc expects the region's economy to double to $2.8 trillion by 2025. >> the population is actuay ten times the population of the bay area. in the u.s. so certainly the whole landscape is a consumer c that consume a lot of the technologies smuch bigger. >> which could explain why nine of the top 20 internet compani in the world come from china. but future growth could rest on the outco of thi woke's meeting between president trump and president xi jinping on the sidelines of the i g argentina. for nightly business report, from china. >> how can you make the most of charitable giving t under new tax law. >>> here a look at what to watch for tomorrow. as we mentioned, f chair jerome powell is scheduled to peek. investors wl be looking for clues on the pace of future interest rate hikes. the l.a. auto show is under way with a focus on global ses growth. we find out if the weak stretch hn the housing sector extend intoed october w the release of the home sales report. that's what to watch for wednesday. >>> meantime, consumer confidence edged lower in november for the first time in about

chief investment strategist at hsbc. great to have you with us.le, breakevens have rolled over. normal yields have declined. i want a better understanding what degree we are pricing in expectations? noelle: we think the market is beginning to price in moderate growth in year and and in 2019. q1 and q2 will be supported by fiscal policy and a healthy consumer tight labor market. but q3 and q4, fiscal policy 2.0 isn't necessarily certain and also you have a fed that continues to tighten. that's what the market is becoming more concerned about. jose: that makes sense to us. we think of growth will slow next year. the other problem is on the government side you talk about fiscal expansion. where is the money coming from? there is talk of a $1 trillion infrastructure plan. allegedly both sides of the aisle want it. where is the money coming from? the deficit is going up to $1.3 trillion. i think we have a bit of an issue in terms of the sovereign market. ira: it does not seem like the treasury market really cares if there is another $1 trillion in infr

tom: way out front on this has been hsbc, eight rate increases.e going to the lower rate regime. how should equity participants adapt and adjust to a steve major view? >> yields will be lower than the market things. the way to play that is to own more defensives. these are long-equity duration. their sensitivity is low come utilities, telecoms, staples. these are the most out-of-favor sectors in the market. they are quite defensive. tom: you are in the mail room like bill gross was at,". is that a total return or a coupon clipping environment for your on world? >> next year could be a pause. many believe there will be a pause in the rate hike regime. next year could be a good year for bonds. it could be an excellent time to be investing in core bonds. not this year, interest rates rising hurts prices. next year, one can click coupons. is has to worry it investment greater are yield that the market entertains the idea of a 2020 or 2021 recession. the base case should be continued economic expansion. the possibility of clipping coupons, especially w

scarlet: we mentioned david bloom with hsbc.e says the dollar is strengthening further, to $1.30 versus the euro. for him and others, this is about the euro weakening rather than the dollar strengthening -- the dollar being the beneficiary because of drivers pushing the euro down. vince: at the beginning of this year, i would say it is the dollar strengthening. this time of the year, because of the heightened trade issue, it is because of other currencies weakening. november 21, they have to deal with the italian budget, which did not give them any leeway. out somehave to put penalties against italy, which is going to weigh on the euro. they also have falling oil prices. falling oil prices weigh on the harmonized inflation rate in the eurozone. when that goes down, the euro goes down. that is what is more likely to happen in the fourth quarter. sorry, but the other currencies may go up. the euro, i don't think so. of the dollarch story is impacted by foreign investment flows, by rates looking attractive? you have money flowing i

that means she is the world expert on china, as you can only be at hsbc.s, and then what after the meeting? >> after the g20 meeting, i think it is unlikely that trade tensions ease materially. i don't think there is one single deliverable that can come out of that meeting. on the first of january, u.s. sanctions on china and paris will rise from 10% to 25%. we are waiting for the announcement for auto tariffs. it is a reasonable assumption , it 2019 starts the year still seems likely that increasing tariffs will come through. tom: with all the legendary, historical contacts of hbc, the assumption is china will adapt, adjust, amend to these tariffs and extended their timeline. do you agree with that? >> extended their timeline on? tom: they will be patient. >> i think they will be patient. we are talking about the chinese economy that has a lot of long-term plans. is of the areas of concern china 2025. there are plans that go beyond that. what we have seen in recent months is that while a lot of the policy announcements have been a consequence of what is h

hsbc says some of its us customers' bank accounts were hacked in october.ave accessed information including account numbers and balances — as well as users' names, addresses and dates of birth. the bbc understands about i% of the bank's us customers were affected. small—to—medium manufacturers in the uk say they expect output to drop for the first time in seven years during the next three months. they're blaming a slowdown in the number of orders, in the run up to brexit, according to a report by the confederation of british industry. the study also found that smaller companies were reining in their investment plans. britain is due to leave the eu in less than five months. investors across asia were watching those results from the us mid—term elections as they were coming through with great interest. absolutely. china has been the biggest target of donal trump's efforts to reform us trade, but other countries in the region have been feeling the impact too. joining us now from singapore is our asia business correspondent karishma vaswani. karishma, what kind

hsbc jumping more than expected, down to rising lending income and lower allowances for loans.s is the second biggest bank, net income of 12%, coming in at $1.25 billion, about 900 million u.s.. net interest margins up from the quarter. diverging from other rivals, small rival united overseas bank whose shares fell last week after a low figure. bhp shares jumped after it revealed plans to return the proceeds of the u.s. shale sale toill to -- shareholders. on wednesdayted and bhp says that return program will immediate -- begin immediately. they will buy that $5.2 billion of shares as a special dividend. said to hna group offload airbus in its drive to reduce the country's biggest corporate debt. the group has asked the leasing arm in china to take over at least 10 aircraft. we are told talks about the wide-body planes date back to april. hna, the banks, airbus have one thing in common. they all declined to comment. david: we are headed into the lunch break and japan. to give you some context, .3%, coming off our highs of the day but we are down five days into monday, up three

we have how blocks them at hsbc predicting a slide and property prices as well. haidi: sophie kamaruddin in hong kong. let's get you the first word summers. jessica summers. jessica: the trump administration is threatening to ramp up pressure on china by tightening restrictions on u.s. tech exports. it is debating whether a range of products should be subject to more stringent controls. deutsche bank says such a move would have a long-lasting adverse impact on relations between washington and beijing. president trump admits the crown prince of saudi arabia may have known about the plot to murder journalist come all caps kobe -- journalist jamal khashoggi but says the u.s. will stick by its allied. he says the kingdom is an important block to iran and buys them of billions of dollars in american weapons. he says that outweighs the horrible crime. the administration says it is still gathering evidence. may prime minister theresa heads for brussels wednesday for more talks on brexit. they will be based on the draft deal she has agreed to with the eu. she has been to

so i concentrate my attention on the dividend yielding companies like lloyds or hsbc and focus on theme liquid stocks, they're ones you can buy and hold with great confidence over the next ten years or so. >> jim, great to see you as always thanks for joining us on "worldwide exchange. >>> still to come, earnings central. credit suisse shares trading lower following its latest earnings report. >>> as we head out, a startling statistic to start your morning. the vix up a huge 75% last month. we'll discuss that and much more to come on "worldwide exchange." plaque psoriasis can be relentless. tremfya® is for adults with moderate to severe plaque psoriasis. with tremfya®, you can get clearer. and stay clearer. in fact, most patients who saw 90% clearer skin at 28 weeks stayed clearer through 48 weeks. tremfya® works better than humira® at providing clearer skin, and more patients were symptom free with tremfya®. tremfya® may lower your ability to fight infections and may increase your risk of infections. before treatment, your doctor should check you for infections and tuberculosis. tell

they say an agreement could push stocks up there 4% to 5% hsbc says it is difficult to see a deal beingthat would put all traden it shuns to rest. a postponement could at least provide more time for negotiation, though experts there do not expect clarity to emerge for many more months. bleakly advisory group says any thought that that 25% tariff will be imposed on january will likely put a lid on u.s. stocks as well. >> you know great deals tend to be made over dinner, maybe a steak and a good glass ofimistis you're speaking with realistic that something will get done >> i think the idea here is this will be a high-level agreement, an agreement to negotiate further at some point in 2019, but no substance behind the deal if you look at the juncker/trump meeting, a high level agreement without detail that's what most investors expect to happen this weekend as well >> i bet tim seymour that you would get a jean-claude juncker reference in there >>> let's bring in tim seymour >> i don't know what to do now, i'm here exiled at 30 rock, let's figure this out. >> let's make good television, ho

here the only bank that is trading positively is the bank with an international exposure, hsbc standardd also outperforming. all the domestic-focused banks, huge moves barclays down almost 7%. rbs down 7% as well. >>> i'm happy to say i have a special guest with me. kevin rudd, former prime minister of australia and president of the asia society policy institute thank you for joining us on "street signs. i guess you were not expecting to talk about brexit today let's talk about brexit. the developments over the last 24 hours have been crucial to where this country is headed both politically and economically what is your take? i just spoke to a guest who was saying that the uk is actually heading towards a constitutional crisi crisis >> sounds like another normal day in british politics. that's what happens when you consult the people and have referendums on questions where you're not quite sure what the answers will be. what is the world view of this and how do we see it in asia and australia? the world would like a strong and united europe. i think the general opinion across the world

you start getting confusion because in banks you have hsbc that is global and you have lloyd's and rbsour local. we think about it in three different buckets. domestic companies, international companies, and those companies that do not report in pounds. if you look here, the performance has been drastically different at different points in time since mid-2016. it happened again yesterday. domestics got crushed, internationals did better, and the non-pounders did ok. nejra: thank you so much. tim craighead for bloomberg intelligence. thank you so much for joining me on set. let's bring back our guests and talk about europe. jeremy stretch and simon french. jeremy,o come to you, because we have an iv question from a viewer. we were talking about what level of yields in the u.s. is going to bring back foreign demand. the question is, isn't the issue the level of the dollar rather than the issue of yields? week the euro has had four days of gains, but there is the question for you. >> whenever you are looking at euros and spreads, there is an inherent concept in terms of the valuation of t

big firms like ikea, google and hsbc pay the living wage but the charity says more private companiesd to come on board. critics say this could mean even less money for cash—strapped council services. tess lanning is the direcotr of the living wage foundation who campaign to get employers to pay the real living wage. thank you very much for coming in. tell us more about how you set it because we heard you say in your report but the cost of living has gone up in areas which mean people are being stretched. you have put up the weight accordingly. there is a piece of breach of that asked the public what people need to meet their basic needs. we take that, we looked at 17 different family types and we work out best out at a full—time work and their family need to make ends meet. 5000 companies are paying the living wage, the national living wage. in terms of its being proportion, it is a small proportion. how do you persuade others to do is because we are hearing in our report as when a company does this it impacts on them having to put up prices. there is still a huge amount to do, one i

big firms like ikea, google and hsbc pay the living wage, but the charity says more private companiesome on board. critics say this could mean even less money for cash—strapped council services. one of the companies signed up to the "real living wage" is cosmetics brand lush, and their chief finance officer kim coles is here now. what have been the benefits for your company of signing up to this? the reason we did this in the first place was because it was the right thing to do. everything we do at lush, we try to be as ethical as we can, from sourcing materials to paying taxes, and paying our staff fairly was the driver for doing this. we have seen benefits from the staff, who say they can afford to eat properly. you feel the benefits of what it is doing for them personally. for us, it is knowing we are doing the right thing and having are doing the right thing and having a benchmark that is an ethical one on the rate of pay. it has taken the angst out of knowing how much to pat’- angst out of knowing how much to pay. we used to pay 25p above the minimum wage, but we never really kne

we have some estimates from hsbc saying 10% of a-shares are linked to these collateral pledges by brokeragest risks, it is a chicken and egg situation. the share price declines, and the brokerages are tempted to liquidate. that pushes the share price down further. that is the feedback loop that authorities are trying to break here. paul: where do some of these big brokerages sit right now? are they in immediate danger? >> tricky question, paul. we have an estimate by bloomberg intelligence saying for every 10% decline in the value of these bad stock pledges, net capital at brokerages are eroded by 8.9%, so that seem significant. that is why we have seen three brokerages announce capital raisings of some sort, but the difficulty is the response from the authorities. it is doubtful china will let one of these brokerages go. we have seen them take attempts to shore up the brokerages and the markets. they are trying to make the brokerages an instrument of liquidity in the wider financial markets. we have heard they have issued for herbal instructions to brokerages not to liquidate their collater

hsbc says why would you not by the dollar, growth is awesome.veryone else says we have seen growth slowdown in 2019. what camp do you think makes the most sense? carla: i still say there is not enough data out there to be definitive, which is why you see argument in the marketplace. , think at the end of the day over the next quarter or so, we will get a lot more data that will solidify the view. knows i cannot of a conversation with someone as smart as you cannot ask about alternatives. especially appetite, in a more cautious environment, but maybe a public equity market not getting gang buster returns. does the appetite increase for alternatives in your estimation? carla: as we get more data we experience more volatility in the public market, then i think you will see people think about alternatives more constructively than in the recent past. jason: have people delineated between hedge funds and private equity's? state ofds are in a accidental crisis, it feels like, every day we are seeing bad news. does the paul: to private equity? -- does t

hsbc downgrading the stock to a hold right now, down about went percent. though, also toppling down, about 80% due to rising fuel costs. as stock is down about .3% it opened in the lion city -- singapore airlines. comingtrading losses through for noble group as well. china, it could be a pretty top-seeded turvey session -- topsy-turvy session. the likes of tencent reporting earnings later today. your offshore renminbi, we are still holding onto the strength we saw yesterday on news that perhaps there is more dialogue between the u.s. and china. onto point 694 for the dollar remembering. rishaad: you have been alluding to the credit slumped last month i'll admit the flow government debt oil. best debt sales. the latest reading suggests that more stimulus is on the way. let us get to tom mackenzie. tom, how concerned should aboute policymakers be all this? should we be concerned, and are they concerned? rishaad, i think that if you are looking for evidence that beijing is able to juice the economy and pick up its growth momentum, then the evidence from this

down 20% an agreement could push chinese stocks up 4% to 5% hsbc says it's difficult to see a deal beingthat would put all tensions to a rest a tariff increase could provide a little more time for negotiation, though experts do not expect clarity to emerge for many more months, which means the trade dispute will likely be an overhang for the market well into 2019. the trade dispute has resurrected fears of a global slow down. the imf expects china's growth to slow in 2019 and u.s. growth to go from 2.9 % to 2.5%. >>> let's bring in christopher smart and dan dimico welcome back. >> nice to be here. >> great to have you both here dan, let me start with you i mean, chris let me start with you, i'm sorry do you expect the rhetorical riastat? is that what it will take to get the market out from under this cloud? >> meetings like the g 20 are highly planned events. when you get that many egos in a room, nobody wants anything to be spontaneous but -- >> or a failure. >> usually. >> but i was about to say we've learned i think from president trump that he likes a little spontaneity. i think it's

kevin logan with hsbc. we will do that in the 8:00 hour.taylor: this is "bloomberg surveillance." let's get the bloomberg business flash. knowing and u.s. regulators are deciding whether to issue -- borrowing and u.s. regulators are deciding whether to issue a software fix. they want to and sure the plane will not dive aggressively without pilot commands. says itnt of snapchat is being investigated over allegations it misled investors before last year's ipo. says they are cooperating with the securities and exchange commission and the justice department. snap investors complained the company did not explain how competition from instagram hurt growth. bob iger may have missed his shot at a $60 million bonus. it was tied to a five-year segment operating income at the world's largest entertainment company of the numbers came up short. the disney board has the right to adjust a total. contracttract -- iger calls for him to get another $100 million of restricted stock. tom: how would you like to make a 10% return per year trailing the last 10 ye

king, hsbc senior economic adviser joins us now. we talked a little bit before about your concerns., has a taken a real back step that could hurt the world's growth to a point where it could put it in a recession? stephen: the politics have changed. it is globalization versus isolationism. globalization, whether rightly or wrongly has been responsible for weak growth. populists on both sides of the atlantic have taken advantage of that fear and up and elected on political support of that basis. with of the midterm elections, the discussion about whether the democrats will do well compared to republicans, they are united on one thing, china. spectrum, political there is the consensus that china is not sticking to the rules of the book. there is in washington to do something about it, which means the relationship between the u.s. and china is going to be a difficult one to manage. trump may want to do a trade deal, but the issue is, can it be a deal done that will keep both the americans and chinese happy? francine: let's say republicans keep the house and senate. what does that mean

they were cut by hsbc. for us to get the downside, down automakers. really front and center today and monday. they are a sensitive sector when you talk about trade. as you know, we have president trump meeting xi tomorrow evening and buenos aires. francine: thank you so much. annmarie was just talking about deutsche bank. the big stock we are watching today. german shares are hitting an all-time low as police are continuing their riads. -- raids. offices are being searched for possible money-laundering. first of all, what happens next? this started exactly 24 hours ago where we first found out there were police cars in front of deutsche bank headquarters. how many more raids are we expecting? end think it is going to today. it was a big raid yesterday. you should have seen that the police cars lined up in front of the building with flashing lights. you could see them out of the window of our office here. it is not as spectacular today. i guess the police officers today will take whatever they didn't find yesterday. it should end today. the question is

let‘s talk to liz martins, uk economist at hsbc. what do you make of these numbers?2% against inflation of 2.a% so clearly british household are getting a pay rise for the first time in some time and that isa the first time in some time and that is a relief compared to recent experience. we had previously talked about wages going up and also the unemployment rate coming down. it has been a weird anomaly that more people are finding work and wages are going up so explain the difference this time. the number of unemployed —— unemployed people is up unemployed —— unemployed people is up as well. it is, the unemployed rate rose slightly which was a bit ofa rate rose slightly which was a bit of a surprise to the market. what might be happening is the place of employment growth is slowing and that might be related to higher costs with firms are having to pay more which is perhaps causing them to think twice but we have had in the uk and extraordinary rate ofjob creation in recent years and perhaps we are starting to see that lose a bit of momentum. a.1% unemployment is sti

million current account customers, but the vast majority still bank with the big 4 — lloyds barclays, hsbc. he's with me. good morning to you. nice to see you. we talk about that loyalty we feel with banks. we don't know why. why are we not reaching those big four banks, even though in many cases, we don't like what we get. four banks, even though in many cases, we don't like what we getm is more a case of inertia than real loyalty. perhaps for some people, a lack of awareness of alternatives or that the switching process might it difficult, which is no longer true. when we talk about that switching process , when we talk about that switching process, you do worry about your direct debits or your salary getting to your account, that is the thing thatis to your account, that is the thing that is asked. even though there have been attempts of this account switching, there is a fear that it won't happen. the switching happens very well, it switches everything overin very well, it switches everything over in seven days and redirects everything to the new account. even before you fully switch,

big firms like ikea, google and hsbc pay the living wage but the charity says more private companiesrevent illness. that's according to the government's new long—term plan for the nhs in england. in a speech later today, the health secretary, matt hancock will say the aim is for people to have five more years of healthy, independent life by the year 2035. here's our health editor, hugh pym. the health and social care secretary will say that ten times more public money is spent on treating disease than preventing it and that this does not stack up. mr hancock will point to a new strategy for england next year, which will include measures to encourage employers to help improve the health of their staff, including getting those who are off sick back into work. the government wants to see digital technology used to predict illnesses, allowing doctors to target advice at sections of the population, and genome sequencing analysing patients' dna playing a role in preventing future health problems. but labour argue that the conservatives have imposed cuts in public health services in recent