Of the panorama journalists who investigated the claims by carl beech thats at n9 15. And also before ten oclock well take a closer look at one of the nominees for britains most prestigious prize for architecture London Bridge station. And fans celebrate as Katarina Johnson thompson scoops britains second goal and breaks the british heptathlon record at the world athletics championships. Good morning and welcome to the bbc news at 9. The uk and us governments have called on facebook to rethink its plans to use encryption for messages on all of its platforms. In an open letter to the companys chief executive, mark zuckerberg, the home secretary priti patel said the firms policy could Hamper International efforts to grant law enforcers faster access to private messages on social media. Facebook argues that it is working closely with child Safety Experts and governments to keep people safe. Encryption is creating those spaces, those spaces for terrorist individuals, terrorist organisations, child abusers, the people that are seeking to do harm to others, children, individuals and our own countries and our national security. So, i would really urge facebook to engage with us in active dialogue, which is something that hasnt happened thus far. Thats why we have issued this letter. But what is encryption . Our technology reporter, chris fox explains. There are lots of things we send over the internet that we might not want everybody to see. But as our messages travel across the web, they could be intercepted by Law Enforcement or criminals. Encryption is a way of scrambling data so it can only be read by the people you want. Many websites, such as e mail and online banking, already encrypt information sent between your device and the Service Provider without you having to do anything. But to be certain messages arent intercepted as they travel across the internet, many People Choose to encrypt their messages themselves. One of the many ways of doing that is with public key encryption. With this method, everybody gets two keys, one you can share with everybody, your public key, and oneyou keep to yourself, your private key. The keys are long numbers that form part of a complicated mathematical algorithm that scrambles your messages. The sender encrypts their message using the receivers public key. That secures the message, like a padlock on a box. Only the receiver can unlock the message with their private key. Even though the public key is freely available, the numbers involved can be made so big that it takes too long for todays computers to reverse the encryption process with just the public key. Some Services Already encrypt your messages like this without you having to do anything. That way, they cant be forced to hand over your messages to Law Enforcement, because they genuinely cant decrypt them. So you can see why some governments might not be happy about it. Some governments have urged Service Providers to build a so called backdoor into their systems that could give Law Enforcement access to your messages. Even without that, a determined snoop could try to read your messages before they get encrypted, for example by logging which keys you press to type them. And even todays strongest encryption is not infallible. One day, computers may be powerful enough to crack todays codes in seconds. And chrisjoins me now. What do you make of this request from us and uk governments to facebook to rethink what they are doing with encryption . As we saw in the video, the purpose of end to end encryption is to keep your messages safe as they travel across the internet. That keeps everybody safe. It means your messages to your partner, anything you are sending about your banking details, they are scrambled as they go across the internet and they cant be intercepted and read by criminals. Or Law Enforcement. So that does mean that if people are using messages, messaging apps for criminal purposes, the messages cannot be read by Law Enforcement if they intercept them. That does present a security problem. There isnt a halfway house. If you are forcing people to switch off end to end encryption just so you can track the small number of criminals that use those apps for nefarious purposes, essentially you are putting everybodys messages at risk from being exposed to criminals or being snooped on by governments. And that is a question people will have to ask, is that a compromise we wa nt to have to ask, is that a compromise we want to make . You are saying there isnt a halfway point, we are all in with encryption or we are not. Is there another way around this that allows people to protect their messages, but if Law Enforcement agencies have a reasonable suspicion about somebody, they can get access to their messages . Well, Law Enforcement agencies at the moment, even with encrypted apps, can get some metadata. They can request things like hell have you been messaging, when did you last send them messages, how often have you been messaging . They can get information like that, they cant necessarily get the contents. One of the solutions that has been proposed sometimes as risk from being exposed to criminals or being snooped on by governments. And that is a question people will have to ask, is that a compromise we want to make . You are saying there isnt a halfway point, we are all in with encryption or we are not. Is there another way around this that allows people to protect their messages, but if Law Enforcement agencies have a reasonable suspicion about somebody, they can get access to their messages . Well, Law Enforcement agencies at the moment, even with encrypted apps, can get some metadata. They can request things like who have you been messaging, when did you last send them messages, how often have you been messaging . They can get information like that, they cant necessarily get the contents. One of the solutions that has been proposed sometimes as a back door, just for the government, so that usually our m essa g es the government, so that usually our messages are encrypted, but if the government asked for permission then whatsapp and facebook could decrypt the messages and give them a copy, because they have a set of those keys. But security researchers say thatis keys. But security researchers say that is not a halfway house. If you build a back door into encrypted products, criminals will start looking for it and start attacking the apps and finding the back door. Once it is out there, the messages get exposed. Briefly, how do you think facebook is going to respond . Mark zuckerberg wants to be seen to be doing the right thing, but he has a business to run . He wants facebook to tilt towards privacy, he says thatis to tilt towards privacy, he says that is the future, especially after data scandals like cambridge analytica. I think private messaging as part of that, he doesnt want facebook to have copies of their messages, he wants them to be encrypted so that if Law Enforcement comes to them saying give us the messages, he can say they genuinely dont have them because they are encrypted. There are other ways you can find child abuse images without compromising the security of everybodys messages, and im sure he will announce in due course that they have been working on some kind of ai they have been working on some kind of al to spot images, they already have tools like that, and maybe that is somewhere where they can expand their efforts. We are learning in the last few seconds that rory stewart has said he will be standing down at the next general election and has resigned from the conservative party. I spoke to him a few weeks ago. I asked him if he might stand as an independent. But its not entirely clear from this that is what he is planning to do. Lets look at the tweet from him in the last short while. So, it doesnt sound as if he is going to stand as an independent either. He has been and incredibly high profile mp within the conservative party, often at odds with the leadership, right through theresa mays time in office and certainly since Boris Johnson theresa mays time in office and certainly since borisjohnson has taken over as leader of the party. We will be talking to our Political Correspondent iain watson about this breaking news in the next few minutes. Borisjohnsons chief europe advisor will hold another round of talks in brussels today, as the government tries to break the brexit deadlock. David frosts visit comes as the eus chief negotiator Michel Barnier said he still had plenty of questions about the uks plans. The irish Prime Minister leo varadkar has voiced his concerns about how the plans would be enforced. And our ireland correspondenr chris page is in dublin. Just elaborate on your thoughts on the concerns that leo varadkar has . The Irish Government expressing concerns and strong reservations, but also holding out that may be the proposals from Boris Johnson could form the basis for some kind of discussion to try to move things forward. The objection is that Leo Varadkarand forward. The objection is that leo varadkar and his deputy have been talking about in the last few hours oi talking about in the last few hours orso, talking about in the last few hours or so, there are two of them. The first is the idea that there would have to be customs checks on the island of ireland, on goods moving to and coming from Northern Ireland, evenif to and coming from Northern Ireland, even if the cheques are not at the border, the Irish Government would object to any customs checks at all, because some of their bottom lines are that any brexit deal should protect the all ireland economy, and also cooperation between Northern Ireland and the irish republic, which is a very important part of the good friday peace agreement. The other objection that the Irish Government has relates to the proposed role. Want in setting trade rules, the idea that the devolved Northern Ireland assembly would be able to vote every four years, maintaining any trading arrangements that had an impact on the border. Dublin is worried about that because of the Cross Community voting rules at stormont, it could mean that the democratic unionist party, Northern Irelands largest party, who are pro brexit, they could vote against any measures designed to keep the border open. They would have a veto under the current storm in system and so dublin says it is not fair to give one party in Northern Ireland that much of a say over any new and important trading arrangements. So, those are the two objections. At the Irish Government is not dismissing the proposals out of hand. Leo varadkar is in denmark, holding talks with his danish counterpart, yesterday he spoke tojean Claude Juncker and donald tusk. Away from high politics to the coalface, to the border, where people are potentially going to be most immediately affected by what has been talked about, what is the feeling there . People have been looking at this now for three years, and wondering what is going to happen. But we are closing in very fast on the 31st of october. How worried are people about the fact that they just dont worried are people about the fact that theyjust dont know worried are people about the fact that they just dont know what exactly is going to be happening in their daily lives . Well, speaking to people in the border area, particularly in the last two days since the new british proposals were published, if you things stand out. Of course, people dont want no deal. It would cause real economic problems for the irish republic, particularly, potentially, for the border region. But there is also very strong support, you get a sense, politically and in wider society, for Leo Varadkars brexit stance. That he has been right to hold firm, that he has been right to insist that the backstop, the guarantee that the border would remain open under all circumstances, is the best way to handle brexit. And whenever you talk to people about the prospect of no deal, the fa ct about the prospect of no deal, the fact that the 31st of october is getting ever closer, they dont seem to think that the danger of no deal seemingly increasing threats of no deal, that it means that the Irish Government should back down. The message from Political Parties in dublin, Business Leaders north and south, and indeed from people you tend to talk to in the border region, on the brexit front line, is that the Irish Government should hold their nerve and face down the british government. Plenty of support for the irish gunmens strategy across the country, but how it will end up, well, people still have a lot of questions about the uncertainty and certainly there is a great deal of concern. Thank you very much, chris page in dublin. People buying home and Car Insurance are paying £1. 2 billion too much every year. Thats the finding from a report by the city watchdog, the financial conduct authority. The fca says competition in the Insurance Industry isnt working and that customers are being penalised for loyalty. Its calculated that some six Million Consumers are each paying on average £200 a year more than they should on premiums. Our economics correspondent Dharshini David is here. So, why, according to the fca, isnt competition working in the Insurance Industry . You know what its like, you always like to think that loyalty pays off and if you are a loyalty pays off and if you are a Loyal Customer you would get Something Back in return. We should know by now that isnt always the case. Absolutely, we should listen to the people telling us to shop around. But you forget these things are coming up for renewal, and your friendly and helpful Insurance Company sends you a letter or e mail saying, dont worry, we have got this taken care of, just say yes and we can do this. Sometimes it automatically happens. You dont need to do anything unless you opt out. What the fca has done, the city watchdog, they have said they have looked into this because there had been a number of complaints, there was a super complaint filed to the competition and markets authority, saying that we are paying too much when we are Loyal Customers, not just for things like insurance, things like mortgages, your mobile phone contract. There are lots of investigations going on. This one focuses just on the insurance market. Over eight out of ten of us have motor insurance or Home Insurance, or both. So this is big business. As you say, the fca is saying it is costing us over £1 billion a year because of inertia. So it is looking at various remedies. It can include restricting 01 remedies. It can include restricting or banning companies and putting up prices, or even from automatically renewing those policies. There may be an onus on the industry, but an onus on us as consumers as be an onus on the industry, but an onus on us as consumers as well to put a bit of effort in here. This is an interim report, these are suggested remedies, it may not come to pass, there is lots of criticism for the regulator being too slow. Hong kongs leader has banned face masks in a bid to curb the citys protests. The masks act as protection from tear gas, which has been used frequently during the five months of protests. The hardline measures to enforce the ban fall under a law which hasnt been used in more than 50 years. Critics fear it will only heighten tensions. But carrie lam has insisted its in the citys best interest. We have the duty to use all available means in order to stop the escalating violence and restore calmness in society. As the Current Situation has clearly given rise to a state of serious public danger, the chief executive in council decided at a special meeting this morning to invoke the power, under the emergency regulations ordnance, and make a new regulation in the name of prohibition of Face Covering regulation, which is essentially an anti mask law. The headlines on bbc news. The home secretary, priti patel, is calling on facebook to rethink its plans to encrypt messages on its platforms. The Prime Ministers chief advisor on europe will be holding another round of talks in brussels today, aimed at breaking the brexit deadlock. The financial watchdog, the fca, says millions of customers are overpaying for car and Home Insurance because industry competition isnt strong enough. And also before ten oclock, well take a closer look at one of the nominees for britains most prestigious prize for architecture, London Bridge station. In sport this morning, katrina Johnson Thompson says it is like a dream as she wins