into poland. violent storms have caused flooding and mudslides in canada. and coming up, the world's most wanted cyber crime suspects living freely in russia. hello and welcome to bbc news. the cost of living has reached the highest rate in almost a decade due to rising fuel and energy costs. inflation is now more than doubled the bank of england's target. consumer prices were 4.2% higher last month than a year ago. the costs of transport, gas and electricity bills, as well as second—hand cars climbed. in september inflation was 3.1%. the bank of england's aim is to keep inflation to around 2%. rising prices are putting new pressure on households and businesses. economists are debating now how much of the surge in inflation can be blamed on the pandemic and how long it will last. our reporter colletta smith has been speaking to people in halifax. it's lunchtime at nursery. and with 63 hungry mouths to feed the staff here have their hands full. paula has increased her hours recently to make sure she's getting enough to cover the bills at home. i'm getting more money in but then i'm paying it out forfuel, food. gas and electric has gone up again. gas and electricity. sarah has got 12—year—old twins so the weekly shop is getting to be more of a worry. where i tended to go because it offers rather than single prices because everything has gone up. it might only be 50p or 60p here, but at the end it all does mount up. now it's like, well, we will wait until it has come back down or wait for the office to come on rather than yeah, you can put it in trolley. are you shopping differently at the moment? are you trying more shops? where are you going to get the deals at the moment? i know that that is cheaper at aldi so i will go and get four weeks' worth. so you'll get some things that some supermarkets? home bargains is another one. and b&m. you know where to shop around to get better prices. just keeping your head above water? yeah, absolutely. you'll be happy if you've got £20, £30 at the end of the month. with diesel and petrol at record highs, just getting to and from work is eating up more of everyone�*s wages. i'm in a position where i can't not use the car so it is starting to- affect obviously my wallet. those eye—watering fuel costs means alex is having to cut spending on other things. we all used to go to asda or - sainsbury's or tesco for our cheap fuel, but at the moment how fuel prices are - increasing it'sjust as— cheapjust to go to bp or the shell garages now because it's so- astronomically expensive. if you are earning - a minimum wage but trying to run a car as well— but you have family who live far away, it is making it a lot more difficult for you to be able to travel to see them, i especially during - the christmas period. christmas is always an expensive time of year, so with the price of essentials going up at the same time, it's going to be a really difficult few weeks. the bad news is that the bank of england and businesses from hotels through to restaurants all say that the biggest price increases will actually be coming in the new year. and it's the long—term impact on savings that danny is worried about. he gets the bus to work and even that's been getting more expensive. £5.50 a day for a return ticket which is quite expensive if you take that over five days. as a charity worker, saving enough to buy his own home feels as most impossible for danny at the moment. it's either choosing saving or, you know, not going out or not socialising for a month or so. wages haven't really gone up with inflation and when i think back to my parents�* age, i think they bought theirfirst house when they were in their early 20s and that is completely impossible for my generation, it seems like, anyway. with higher bills for all the essentials, workers in every industry are making small changes just to stick to their budgets. colletta smith, bbc news, in halifax. anne—marie to rollo —— travillion was asked how difficult it would be for consumers in the run—up to christmas. —— anne—marie trevelyan. the chancellor raised this in his budget a few weeks ago and the forecast indeed show that inflation was likely to go up a little more. that's why for our most vulnerable constituents he has both increased the universal credit fund by up to about £1000 a year, there is a £5 million fund for councils to tap into with the most vulnerable families and indeed we continue to support those and the independent pay review bodies for our public sector workers will be looking in the traditional way now that we have come out of the covid crisis situation at how to support for pay increases in the year ahead, so the chancellor has set in play a number of tools and support systems to ensure that those most vulnerable are able to have the support they need during this inflationary time. anne—marie trevelyan. let's talk to our business correspondent andy verity. tell us first of all about the factors behind this rise in the cost of living. the the factors behind this rise in the cost of living.— the factors behind this rise in the cost of living. the biggest reason is 'ust cost of living. the biggest reason is just household _ cost of living. the biggest reason isjust household bills. _ cost of living. the biggest reason isjust household bills. we - cost of living. the biggest reason isjust household bills. we have i isjust household bills. we have heard already about how much electricity bills are going up, how much gas bills are going up, and in fact injust a much gas bills are going up, and in fact in just a month much gas bills are going up, and in fact injust a month it has much gas bills are going up, and in fact in just a month it has almost hit double digits. 0ver fact in just a month it has almost hit double digits. over a year you have a i9% rise in electricity bills and a 28% rise in gas bills. those are the biggest reasons why inflation has gone up. we also have other things we have been talking about for months, the price of petrol was artificially low in the pandemic if you like because there was artificially reduced demand owing to the lockdowns. compared to that a year ago, now it is a lot higher. you have average prices at their highest since 2012, round about £1.38 per litre according to the office for national statistics although i expect a few of our viewers will say they have paid more than that, that's up by 25p compared with a year ago. and then airfares are up by about 15%, and other things, for example, the cost of your groceries, that is also edging up. it is mostly goods as opposed to services that are shooting up fastest. 0ne services that are shooting up fastest. one of the biggest questions for the bank of england will be, ok, if we do raise interest rates, will this actually have any effect anyway because a lot of the reasons why energy prices are higher is not due to domestic demand, that's not due to anything in the uk economy, it is global, it is the fact the economy across the world is reopening undersupply can't really do meet demand and can't catch up with the surge in demand since economy is reopened and that's why global energy prices are so high and the bank of england's hope is that that will be a passing, temporary thing on those prices will come down. and then eventually, wages will be high enough to accede the rise in the cost of living. but what we are looking out for the coming year is our standards of living are going to go down because our costs are going up and our wages are not going up as fast. qm. are going up and our wages are not going up as fast-— going up as fast. 0k, andy, thanks very much- — going up as fast. 0k, andy, thanks very much- andy — going up as fast. 0k, andy, thanks very much. andy verity, _ going up as fast. 0k, andy, thanks very much. andy verity, our - going up as fast. 0k, andy, thanks i very much. andy verity, our business correspondent. let's get more of this story. the latest figures will be new expectations that interest rates will rise soon. let's speak to andrew sentance, former member of the monetary policy committee and now a senior adviser to cambridge econometrics good to have you with us as always. picking up on what andy verity were saying, what are the tools that the bank of england has to deal with inflation? ,., ., ., , inflation? good morning. the biz tools are the _ inflation? good morning. the biz tools are the level _ inflation? good morning. the biz tools are the level of— inflation? good morning. the biz tools are the level of interest - tools are the level of interest rates and bond purchases that the bank makes from the government, which is called quantitative easing. which also helps to oil the wheels of the economy. i think in both senses the settings that we have where interest rates are set and the quantitative easing we have had were soreally for a very different type of economy to the one we are now experiencing. we are moving out of the pandemic and the lockdowns, and we are moving out of that, inflation is higher and it is notjust for inflation that we need to reassess where interest rates should be. they are, after all, at record low levels and the quantitative easing is at a record high level and hence monetary policy will need to be adjusted over some period of time. do you think it is highly likely the bank of england will put up interest rates at the next opportunity? whether it is at the next opportunity i'm not sure because it is only less than ten days before christmas. nobody on the bank of england's monetary policy committee wants to be accused of being scrooge. but either at that meeting or in february, i would fully expect a small rise in interest rates to around about 0.25%. we have to remember that is a very low rate of interest rates in historical terms, and over the course of next year we should expect to see interest rates go up to about 1%, or even a bit higher by the time we get to the end of the year. and? we get to the end of the year. andy verity posed _ we get to the end of the year. andy verity posed the — we get to the end of the year. andy verity posed the question, if you are able to hear him, andrew, if the bank of england does indeed increase interest rates, is this actually going to have an effect on inflation, given the global factors, not so much the domestic factors, behind that increase? first not so much the domestic factors, behind that increase?— behind that increase? first of all we need to _ behind that increase? first of all we need to recognise _ behind that increase? first of all we need to recognise that - behind that increase? first of all i we need to recognise that interest rates affect the economy with the delay. both in terms of the level of economic activity and in terms of inflation. so the bank of england needs to be thinking ahead. but in their latest inflation report, they showed that even when the spike in inflation which we are expecting subsides, they would expect inflation to be stuck above the target, somewhere around about 2.7%, 2.8%, even when some of these temporary factors have passed through. so the first thing is, according to the bank plus my own analysis, the need to do something on interest rates to correct that. the second thing is that if the bank does nothing then some of these global cost pressures will be intensified by the weakness of the pound. so they will be even greater because the pound is suffering on the foreign exchanges. so on both counts i think interest rates would have some impact on inflation. but it won't happen immediately. therefore the bank of england need to think ahead. d0 therefore the bank of england need to think ahead.— to think ahead. do you think this u ward to think ahead. do you think this upward trend — to think ahead. do you think this upward trend in _ to think ahead. do you think this upward trend in inflation - to think ahead. do you think this upward trend in inflation is- to think ahead. do you think this upward trend in inflation is for i to think ahead. do you think this. upward trend in inflation is for the short—term, or is this something we will have to used to in the longer term? ~ , ., ., term? well, the short-term outlook is for even higher _ term? well, the short-term outlook is for even higher inflation _ term? well, the short-term outlook is for even higher inflation than - term? well, the short-term outlook is for even higher inflation than we | is for even higher inflation than we have got now, in my estimate between 5-6% have got now, in my estimate between 5—6% peak in inflation sometime in the first half of next year. some of the first half of next year. some of the temporary factors will then wash out. if we don't get some correction in interest rates, in monetary policy, the rise in inflation rates could be much more persistent, even though we might come off the peak. so that's the justification for raising interest rates, not in a dramatic way to shock the economy, but in a gradual way so that we get interest rates that are more attuned to where the economy is now, rather than where it was a 6—9 months ago. 0k, andrew, really good to have your expertise on this today, andrew sentance from cambridge econometrics. thank you. we have been asking you to send us details of whether you are feeling the difference in the cost of living and where the pinch is. code ninja says my literacy to bill was £55 a month at the start of this year and has increased already to £81; and now bulb want to increase it again to 107. i've always been a credit but how can we sustain this? heating is becoming unaffordable. interesting to see that bulb is replying on twitter to code ninja. i hope something can be sorted out for you there. do keep your comments coming in on inflation today. that is our shout out today, we want to hear from you whether you are really feeling the difference in the cost of living and where you are filling it, in the weekly shop, fuel, or some other area where you are spending money. do get in touch with me on twitter @annitabbc and you can use the hashtag #bbcyourquestions. mps will today debate proposals to tighten the rules on them having second jobs, as the row over sleaze continues. borisjohnson has set out plans to ban mps from working as paid consultants, while labour wants a ban on all second jobs. it follows weeks of mounting political pressure after the former tory mp 0wen paterson was found to have broken lobbying rules as a paid consultant. 0ur political correspondent helen catt reports. good morning, prime minister. the prime minister has a tough day of questioning ahead, as he tries to draw a line under the sleaze allegations which have dominated westminster for the last few weeks. yesterday he announced he would support banning mps from working as paid political consultants, at the exact moment labour was holding a press conference calling for the same. labour is chalking the prime minister's move up as a win. but it would still like to see a wider ban on mps having second jobs, except if it's for a public service like nursing or working as a doctor. the government wants to focus not on what mps do, but on how long they spend doing it. borisjohnson said he would back changing the code of conduct to put a reasonable limit on mps' outside activities, and punish those who neglect their duties. exactly what is being proposed is miles away from where the government was two weeks ago. two weeks ago, they were talking really about watering down the current system. now they're talking about not only tightening the rules, but putting that in the hands of the system as it currently exists. but it is parliament, not the government, which actually sets the rules for mps. so the detail would have to be worked out there if it chose to go ahead. and some conservatives are concerned the consequences are unclear. i'm very cautious on this, because i know that some of my colleagues have jobs and outside work that they do, and that means them having to give up, changing their lifestyle. we have to be careful about this. we have to realise that we're dealing with human beings who have families and responsibilities, so whilst, as i've said before, the duty, the first duty, must be to parliament, to constituency and to the work we do for our country, any changes i think should be evolutionary. they will get they will get the chance to quiz the prime minister directly later. he is expected to address a gathering of his own backbenchers this evening. before that, he faces the liaison committee of senior mps. and before that, the labour leader at prime minister's questions. borisjohnson may hope the end of the sleaze row is in sight, but there will be a lot more questions to answer before he gets there. helen catt, bbc news, westminster. 0ur chief political correspondent adam fleming is in westminster this morning. adam, will today put the row over sleaze to bed? 0r or will it lead to something else? i don't think it will draw a line under this summer because what today's vote in parliament will do, whatever the outcome, is kick—start a process where parliament will look at its own rules around second jobs for mps. so there is a lot of scope for mps. so there is a lot of scope for there to be more arguments and more debate and further votes on this issue. which means it will not be disappearing. in terms of what is actually on the table today, competing motions from labour and the conservatives which will kind of do similar things. it would get the standards committee to look at the rules about outside earnings. labour are saying that they would ban paid political consultancies, and jobs that are involved in the workings of parliament. the government say they would do that but go further and also have an element looking at how many hours mps spend on their outside interests with the international trade secretary anne—marie trevelyan this morning suggesting there would be 10—20 hours a week which would be a suitable amount of time that people should be spending on otherjobs. but then labour countered that by saying at the next election they would go even further and have a much wider ban on second jobs so it was onlyjobs with a kind of public spirited focus that would be allowed. but all those issues to be thrashed out in the next few months. adam, thank you very much. and of course we will keep a very close eye on that debate for you today. former cricketer azeem rafiq says he believes english cricket is "institutionally" racist. speaking to the digital, culture, media and sport committee of mps about yorkshire cricket club yesterday, he described his treatment as "inhuman" and said racism cost him his career. mr rafiq said racist language was "constantly" used during his time at yorkshire, and that the issues he faced there are widespread in domestic cricket. he added that he hopes by speaking out, there will be cultural change. joining me now is nick lowles, the ceo of the nonpartisan, anti—racism organisation, hope not hate. thank you forjoining us. yesterday morning i was listening with our viewers to everything azeem rafiq was saying and throughout the day as i listened to radio phone—ins and other coverage, lots of other people were calling up and speaking out and saying how much listening to him had made them think about their own experiences, experience perhaps they had tried to bury quite deep, whether it was at school or in their place of work, etc. ijust wonder what your thoughts are on what mr rafiq had to say yesterday? first of all, we rafiq had to say yesterday? first of all. we stand _ rafiq had to say yesterday? first of all, we stand in. _ rafiq had to say yesterday? first of all, we stand in. solidarity - rafiq had to say yesterday? first of all, we stand in. solidarity with - all, we stand in. solidarity with him. his testimony was brave, it was explosive and it was quite depressing as well. but it was of no real surprise. and like you i spoke to many people yesterday, friends of mine, or they contacted me, who shared their own experiences. and i think we look at the institutions, we look at the rules, but also we have to remember that these are real people, human beings, who have experienced awful things and that should be a wake—up call to us all. is there enough diversity at the right levels in cricket to really make the change that azeem rafiq was talking about yesterday? ida. make the change that azeem rafiq was talking about yesterday?— talking about yesterday? no. and clearly english — talking about yesterday? no. and clearly english cricket _ talking about yesterday? no. and clearly english cricket has - talking about yesterday? no. and clearly english cricket has to - talking about yesterday? no. and clearly english cricket has to look| clearly english cricket has to look at itself both at a county level, grass roots level, at a national and international level. clearly, given the diversity of the british population, but also given the interest in people playing cricket, it is quite clear that the communities and people who like playing cricket are not represented in the higher echelons of the game. so i think there has to be root and branch change going down to a local level right to the top level. and hopefully the testimony yesterday will kick that conversation. in fact, azeem rafiq put a hoped—for timeframe on it, he talked about five years, didn't he? he hoped that in five years there would be a real difference. can it happen sooner? why not sooner than that? clearly it has to happen _ why not sooner than that? clearly it has to happen as — why not sooner than that? clearly it has to happen as quickly _ why not sooner than that? clearly it has to happen as quickly as - has to happen as quickly as possible. it also at the same time, i don't think we should be putting an arbitrary timescale on it. it needs to happen straightaway and it needs to happen straightaway and it needs to happen straightaway and it needs to be long lasting. i think what's important is clearly the testimony yesterday and all these issues that have come out around it over the last few weeks needs to be a wake—up call, but we need to make sure that proper changes implemented. sadly, we have had many of these cases before where issues of these cases before where issues of institutional racism have come up and there is an outcry, a commitment from politicians, people in authority to change, and then as time goes by things have stayed the same. i think what's important, yesterday was an important first step, but it's only really going to change if there is the kind of political will to follow it up and hold people accountable. it has to start at cricket, but clearly we know, and it came out yesterday, in all sports there are problems of institutional racism, there is problems of racism in society, and really we have got to start getting our house in order and people need to back—up words with action. sport to back-up words with action. sport can take a lead, _ to back-up words with action. sport can take a lead, because _ to back-up words with action. sport can take a lead, because as - to back—up words with action. sport can take a lead, because as azeem rafiq was talking about yesterday, people saying there is racism in society, that is a copout, each sport has to look at itself and take its own lead. you at hope not hate, tell me about your new cricket education project. this is part of your commitment to run racism out off and on the pitch.— off and on the pitch. sure. so we have set op _ off and on the pitch. sure. so we have set up a _ off and on the pitch. sure. so we have set up a new _ off and on the pitch. sure. so we have set up a new project - off and on the pitch. sure. so we have set up a new project called | off and on the pitch. sure. so we - have set up a new project called run racism 0ut have set up a new project called run racism out to which offers productive solutions —based responses to what we have been hearing over the last few weeks. we are offering free training to the english cricket board, to yorkshire cricket board, we are looking to offer training to all professional bodies, but also really we want to get into grassroots, we want to look at the institutions and try and change the set up within the game, but also i think there is some individual responsibility as well. azeem rafiq made clear that the issue of by standing, and whether it issue of by standing, and whether it is in cricket or society at large, we can change all the rules and set “p we can change all the rules and set up processes in place, but we all have a duty to look at ourselves and say, are we doing enough to support. the horrific testimony that came out yesterday, no one should have to experience that and go through that, and i think that not only do we need to get the institutions right, but we need to be better allies, and what we want to do with run racism 0ut what we want to do with run racism out is both look at trying to improve the institutions and policies and training and awareness, but also to help everyone be better allies when these situations, if they arise in the future. hick they arise in the future. nick lowles at — they arise in the future. nick lowles at hope _ they arise in the future. nick lowles at hope not - they arise in the future. nick lowles at hope not hate, i they arise in the future. nick lowles at hope not hate, thank you for your time today. after ten o'clock i will be talking to the cricket and monty panesar about this. i hope you can stay with us for that interview. research by the refugee council suggests that a majority of migrants arriving in britain in small boats are fleeing persecution. the analysis appears to contradict an assertion by the home secretary that 70% of those crossing the channel are "not genuine asylum seekers" but economic migrants. the analysis using home office data and requests underfreedom of information laws has also concluded that 61% of migrants who travel by boat are likely to be allowed to stay after claiming asylum. well let's discuss this with enver solomon, chief executive of the refugee council. thank you forjoining us. looking at the figures, the home secretary says 70% of those crossing the channel are not genuine asylum seekers but rather economic migrants. at the refugee council you are saying the majority of migrants arriving in britain are actually fleeing persecution. can you put a figure on that majority?— that ma'ority? absolutely, that's ri . ht. that majority? absolutely, that's ri . ht. we that majority? absolutely, that's right. we have _ that majority? absolutely, that's right. we have analysed - that majority? absolutely, that's right. we have analysed home i that majority? absolutely, that's - right. we have analysed home office data and data we obtained through freedom of information requests, and we have looked at the nationalities that people are coming from, the nations they are coming from, and almost all of them, over 90%, are from just ten countries, countries such as syria, yemen, eritrea, iraq, afghanistan, your viewers know what is going on in afghanistan. these are countries where there is aggression, oppression, terror taking place. when you look at these nationalities and what has happened in the 18 months tojune this year around decision—making to those that come from these countries, or make an application to stay in the uk as an application to stay in the uk as a refugee or under some form of protection, the data shows that more than 60% are granted protection, granted refugee status. and what that indicates is that the vast majority of those coming from these nations who are coming across the channel, taking very dangerous journeys through no fault of their own are indeed genuine refugees. if you look at some countries like syria, like iraq, like iran, the likelihood of them being granted refugee status is higher than the 65%, 70% in some cases. so that's a clear indication that these people do have a genuine case for protection. do have a genuine case for protection-— do have a genuine case for protection. do have a genuine case for rotection. ~ , ., , ., ~ protection. why do you think there is a discrepancy — protection. why do you think there is a discrepancy between _ protection. why do you think there is a discrepancy between your - is a discrepancy between your analysis and what the home secretary as saying that 70% of those crossing the channel are not genuine asylum seekers? . �* . . the channel are not genuine asylum seekers? . �* , ., the channel are not genuine asylum seekers? . �*, ., , ., ., seekers? that's a good question and i think that seekers? that's a good question and i think that is — seekers? that's a good question and i think that is a — seekers? that's a good question and i think that is a question _ seekers? that's a good question and i think that is a question you'll- i think that is a question you'll have to put of the home secretary. i can't speak on her behalf, nor have i got... can't speak on her behalf, nor have i not. .. ., , can't speak on her behalf, nor have i not... ., , ., can't speak on her behalf, nor have iaot... ., , ., ., can't speak on her behalf, nor have i ot... ., , ., ., ., can't speak on her behalf, nor have lot... ., , ., ., ., , i got... you must have a view on why there is that — i got... you must have a view on why there is that discrepancy? _ i got... you must have a view on why there is that discrepancy? i _ i got... you must have a view on why there is that discrepancy? i don't - there is that discrepancy? i don't have access _ there is that discrepancy? i don't have access the _ there is that discrepancy? i don't have access the information - there is that discrepancy? i don't have access the information that | there is that discrepancy? i don't - have access the information that she has put to parliament about the figure of 70% are economic migrants. i know that members of parliament have written to the home secretary requesting to see that evidence. and i'm sure when the home secretary brings that evidence forward we will be able to look at it. what i know is the analysis we have looked at is based on highly credible data, data from the home office, to ascertain the nationalities, the countries that people are coming from so we can understand the likelihood of them fleeing persecution. and then we have looked at whether or not people from those countries who come here making a legitimate claim for refugee status are likely to get it. and the vast majority of them are. that is the reality of the situation. these are people who are having to take extraordinary measures. they are ordinary people. they have had their lives turned upside down. they are fleeing and in search of safety. and in the way that this country has four generations responded to people who come knocking on our door seeking safety, seeking sanctuary, we need to respond in a fair and efficient way, give them a fair hearing, and if they have a case for protection we need to grant them refugee status. in this instance the majority of people are given refugee status. if majority of people are given refugee status. ., ,, . ., , majority of people are given refugee status. ., ,, . . , , status. if the home secretary is sta in: status. if the home secretary is staying 70% _ status. if the home secretary is staying 70% of _ status. if the home secretary is staying 70% of those _ status. if the home secretary is staying 70% of those crossing i status. if the home secretary is i staying 70% of those crossing the channel are not genuine asylum seekers, are economic migrants in effect, how concerned are you about the dialogue, the conversation that creates around people arriving here in the uk in these boats across the channel —— is saying 70%. i am channel -- is saying 70%. i am concerned _ channel -- is saying 70%. i am concerned and _ channel -- is saying 70%. i am concerned and i _ channel -- is saying 70%. i am concerned and i think- channel -- is saying 70%. i am concerned and i think it's - channel —— is saying 70%. “in concerned and i think it's important here to recognise that people are legitimately concerned when they see those very visceral images of people arriving on boats on the shores of dover. and some people find that of deep concern. i understand that. what i think it's important to remember here is that as a nation we welcome people from across the globe who have had their lives turned upside down for generations. we are a country where we have a number of people who have come and contributed. you were talking about the cricket story earlier. those cricketers from asian backgrounds are here because their parents, their grandparents came here as immigrants, many of them seeking sanctuary and fleeing in terror, war and persecution. we are a nation that has people from a range of different nationalities that go on to contribute to the uk and are proud to be british. we need to remember that when we see the images of people coming across the channel on boats and recognise that it is important to give them a fair hearing on uk soil and give them protection if they merit it, and if they don't, support them to be returned to the countries from which they have come from. just finally and briefly, priti patel also saying that the suspect in the liverpool bomb attack was able to exploit what she called a dysfunctional asylum system. d0 she called a dysfunctional asylum s stem. ~ , she called a dysfunctional asylum sstem. ~ , system. do you think this system is dysfunctional? _ system. do you think this system is dysfunctional? i— system. do you think this system is dysfunctional? i don't _ system. do you think this system is dysfunctional? i don't think - system. do you think this system is dysfunctional? i don't think the - dysfunctional? i don't think the system is fair, efficient and effective and i think we need a system that makes decisions, good quality decisions in a timely manner. at the moment there are tens of thousands of people waiting more than a year for their decision. that's not an effective, efficient or fair that's not an effective, efficient orfair system. we need a that's not an effective, efficient or fair system. we need a system that does that serve the public have confidence in it. at the moment that is not the case, and i can't see anything that the government is proposing that will actually address that, so it creates a system that, as i say, is efficient, fair and effective. i think that's what the public want. enver solomon, chief executive of the refugee council, thank you for your time today. let's return to our top story, rising energy bills and a surge in the cost of second—hand cars have helped to push inflation to its highest level in ten years. the consumer prices rose to 4.2% last month, more than double the bank of england's target. as the rise in average prices goes up, then there is a corresponding drop in how far our money stretches, all of this will shape the bank of england bosman decision next month on interest rates. i'm joined by financial adviser, the founder of the financial advice service for women called rain check. thank you forjoining us. let me get your reaction first of all broadly to this increase in the cost of living stop obviously the trend has been there for awhile now but what you make of today �*s figure? it is there for awhile now but what you make of today 's figure?— make of today 's figure? it is bad news for households _ make of today 's figure? it is bad news for households across - make of today 's figure? it is bad news for households across the l news for households across the country when you consider wages are not raising nearly as much as the rate of inflation, so households everywhere, nationally will start to feel the squeeze straightaway. as you said and outlined in the introduction, that will have a knock—on impact on any interventions the bank of england might make, given they target inflation rates of 2%, and what that looks like it's potentially this increase in interest rates, we have been in a very low interest rate environment for a number of years, very low interest rate environment fora number of years, but particularly now given the aftermath of the pandemic as people are starting to recover, it is bad news for borrowers but not much better for borrowers but not much better for savers. those rates of interest rate increase are rarely passed on to savers. it's not a good picture. it has been interesting looking at viewers' tweets to me so far and the areas in which they say they are feeling the pinch. everything from code and injured this morning, talking about electricity bills, we have kate on twitter talking about vet fees for her pets. and steph talking about printing costs. it is interesting just to see where people are in their daily lives, noticing the price rises pushing up and impacting their spending power. what advice can you give to people in a situation like this, about how best to use their money and deal with these price increases?— to use their money and deal with these price increases? there are a coule of these price increases? there are a coople of things — these price increases? there are a couple of things people _ these price increases? there are a couple of things people might - these price increases? there are a| couple of things people might start to think about doing. you have outlined one of the areas we focus on, how we can support women, when you think about the financial gaps that exist and the challenges we face. this inflationary increase will impact everybody across the board, but when you consider the impact on wages and the real impact on wages in terms of how much money we are earning. effectively you need a pay increase of at least 1r% to keep up with inflation. immediately you will start to feel worse off, subject to the nature of the goods and services you will be buying. think longer term, and have a defence against inflation, increasing your pension contribution, if you are in a place to do so. some people who were able to do so. some people who were able to stockpile cash during the pandemic, maybe now is an opportunity to rather than holding that in a savings account where you are generating very little interest, think about how you can invest that money perhaps through your pension fund, if you are in a workplace pension scheme and increase those contributions so you are protecting that money against inflation and feathering your own nest for later life. that is one of the ways people might think about how they can mitigate this. if you are a homeowner and thinking about your borrowing, of course, lots of the lenders will have been pre—empting this inflationary rise and therefore the potential for interest rate increases. if there are deals out there, seeing whether you might get a fixed rate mortgage, where you can lock in a lower rate of interest ahead of any hike in interest and similarly on fuel costs. if there is an opportunity to lock in a fixed rate deal over a number of years on your energy bills, that might be a good time to think about that, too. thank you very much, good to talk to you. it's now time for the sport. talking to hope, not hate a few minutes ago and talking to monty panesar in the next hour and people are focused on what azeem rafiq had to say yesterday to mps? absolutely, it dominates the back pages and front pages, rafiq describing his treatment as inhuman and he said racism cost him his career in a damning day of testimony to mps. rafiq detailed the abuse he suffered at yorkshire and said he believed english cricket is "institutionally" racist. rafiq told a digital, culture, media and sport select committee that racist language was "constantly" used during his time at yorkshire and that the issues he faced there are widespread in domestic cricket. he said he lost his career to racism and hopes by speaking out there'll be a massive change in five years time. so what happens next? it's clear that yorkshire have a huge amount of work to do, and here's a statement from their new chair, lord patel, which was made after the hearing... well, earlier this morning we spoke to the former england batsmean mark ramprakash who believes that azeem's bravery in speaking out should pave the way for other individuals who have been victims of racism to come forward. he has shown great courage and bravery and stick to his guns and to shine a light on what happened to him. but i must stress he has been at pains to say he is looking for cultural change within the game in a wider context. and he has said he's not looking to witchhunt certain individuals. now that he has had the courage to come forward, i think individuals must come forward if they believe that their experiences will help change organisations or county clubs for the positive. bbc asian network's ankur desai was asked what has to happen now in order for this to be a watershed moment in english cricket. better representation. you have got to look at the top level. the ecb who run the game in this country, they need to show more diversity, more people at the boardroom level but then filter down to coaching level and there is only one nation coach at the moment. it won't change necessarily very soon because british asian parents will not want to send their kids to have a career in cricket, they will want them to have a career in law, engineering for example, where it has been more stable. australia have played only three test series, all at home beating pakistan and new zealand before being stung 21—macro at the gabba. wales have boosted their chances of making the world cup by guaranteeing a home tie in the play offs next march thanks to a one one draw with belgium. hywel griffith reports from cardiff. roger federer saying he won't compete at the australian open in january. he told the swiss website he will be extremely surprised to be able to play wimbledon next year. he hasn't played since losing the wimbledon quarterfinals injuly and is recovering from multiple knee surgeries. and fallon sherrock has become the first woman to advance to the knockout stages of the grand slam of darts. she beat gabrielle clemens in the final group game to advance. that is all the sport for now. news coming in in the last couple of moments, amazon has told its customers it is going to stop accepting payments using visa credit cards in the uk from january next year. just looking into the detail, amazon is saying the high fees charged by visa to process transactions made using visa credit cards is the reason behind the move. they say they will still use visa debit cards and other non—visa credit cards for payments, but telling customers that they are stopping accepting payments using visa credit cards in the uk from january next year. after an unprecedented year of cyber—attacks against companies, institutions and even hospitals, an international push is under way against hackers. bbc news has discovered that two suspects at the top of the us cyber—criminal �*most wanted' list are living freely in russia. moscow has resisted calls to arrest suspected hackers, and denies it is harbouring cyber criminals. 0ur cyber reporter, joe tidy, travelled to russia to investigate. cyber citadels are crumbling. from ukraine to south korea, hackers are being rounded up. 0nline too, us intelligence services are hacking back — dismantling criminal networks and even retrieving some of the stolen riches. but there's one place where arrests aren't happening. for years, russia has brushed off accusations it's harbouring hackers. more russians have been sanctioned or indicted for hacking than any other country. 27 appear on the us cyber most wanted list. most of them are linked to the intelligence services but some are alleged criminal hackers. we're here today to identify and announce charges against a russian national. maxim jakubec and his right hand man, igor turasov are the two most wanted alleged hackers in the world. they are accused of leading evil corp, responsible for stealing more than $100 million from victims in a0 different countries. working with bbc russia's andrei zakharov, we found contact details for them. in moscow's prestigious federation tower, igor turasov runs three businesses. the receptionist found a mobile number for turasov�*s company. hello. hello, i'm looking to find igor turasov. whoever answered said they worked for the company and wanted to pass us onto another number until andrei told them where we're from. it's the bbc. maxim jakubec too is not keeping a low profile. his wedding was lavish and cost at least half a million dollars. after multiple attempts to contact him, we tried addresses in moscow. he wasn't in but his father was eager to talk. how do you think your son has become so rich? you seem very upset by the us and the uk's accusations. the us evidence againstjakubec and his crew is made up of testimony from former gang members and cyber forensics data. some of the evidence was even obtained by the russian police years ago when they were still helping the us investigate. those days seem long gone now. it's more available to enlist hackers in russia than to put them injail. one of my sources told me that he personally tried to enlist jakubec and his guys from evil corp to do some work for him. at the spring summit, president biden spoke to president putin about harbouring cyber criminals. putin denied it was a russia problem but promised to work with the us. the talks have yet to bear significant fruit. many experts say russia needs to play its part to fully turn the tide on organised crime in cyberspace. joe tidy, bbc news, in moscow. and joe joins me now. good to see you. tell us more about what evidence there is that russia is harbouring hackers?— is harbouring hackers? security research has _ is harbouring hackers? security research has looked _ is harbouring hackers? security research has looked for - is harbouring hackers? security research has looked for years l is harbouring hackers? security| research has looked for years at is harbouring hackers? security - research has looked for years at the evidence where these people could be based. in the cybercrime world you never know where the perpetrators are. but there are some that hint russia is indeed, despite the denials, hot bed for hacking. a lot of the hacking carried out by the large cybercrime groups, they co—ordinate on russian language forums. we know some of the malicious software they use is designed to avoid russian computer systems. speaking to people who deal with ransom where incidents and other cyber attacks, they say the only quiet times of year are the russian public holidays. really, that is perhaps, _ russian public holidays. really, that is perhaps, some - russian public holidays. really, that is perhaps, some would . russian public holidays. really, i that is perhaps, some would say, russian public holidays. really, - that is perhaps, some would say, too much of a coincidence. since you returned from russia and compiled this report, any updates on that investigation? ilat this report, any updates on that investigation?— investigation? not from the evil core side. _ investigation? not from the evil core side. as — investigation? not from the evil core side, as far _ investigation? not from the evil core side, as far as _ investigation? not from the evil core side, as far as the - investigation? not from the evil core side, as far as the russian | core side, as far as the russian government is concerned they do not harbour hackers, they would say these accusations from the us and these accusations from the us and the uk are unfounded. speaking to people who are linked to the hackers, they say they are normal businessmen, or whatever. hackers, they say they are normal businessmen, orwhatever. but in terms of the larger operation to tackle this run somewhere surge and the terrible attacks that have happened in the last 18 months, we have seen coordinated responses by europol, the fbi and the rest have taken place in ukraine, romania, kuwait and south korea. but the one place people would like to see a rest taking place, russia, it isn't happening. ii rest taking place, russia, it isn't happening-— rest taking place, russia, it isn't haueninu. , , ., happening. if you use this as a cat and mouse _ happening. if you use this as a cat and mouse game _ happening. if you use this as a cat and mouse game with _ happening. if you use this as a cat and mouse game with the - happening. if you use this as a cat and mouse game with the hackers happening. if you use this as a cat - and mouse game with the hackers are popping up on those stopping them, there is always somebody new coming along, even if they make those arrests, it is going to be problematic into the future? it is a cat and mouse _ problematic into the future? it is a cat and mouse race _ problematic into the future? it is a cat and mouse race when - problematic into the future? it is a cat and mouse race when you - problematic into the future? it is a l cat and mouse race when you cannot get to the mice if they are in place as they cannot be extradited. in these individuals will not leave the country because they will be arrested as soon as they step on foreign soil. but there is an interesting line from the security centre day, ranson where is the largest threat, they also say health care facilities are now attacked at a rate they are not seen before. one in five attacks in the uk are on health—related organisations and the national cyber security centre is saying it is very troubling. those attacks are probably from nation state government is trying to potentially get research on vaccines and that sort of thing.— and that sort of thing. interesting to hearthat- _ and that sort of thing. interesting to hear that. thank _ and that sort of thing. interesting to hear that. thank you _ and that sort of thing. interesting to hear that. thank you for - and that sort of thing. interesting to hear that. thank you for that. l we asked the russian government to comment on the fact that hackers seem to operate freely in russia, but received no reply. and you can see the full documentary — "the russian hackers wanted by the west" this weekend across the bbc. the time is 9.1r7. let's bring you up—to—date with the headlines. the cost of living souls by more than 1r% with the price of fuel, energy, transport and hospitality all going up. borisjohnson prepares to face questions in parliament over the corruption row which has engulfed westminster. in search teams in canada try to find people trapped in cars after violent storms caused flooding and mudslides. polish border guards have used tear gas and water cannons against a group of migrants trying to enter the country from belarus. belarus has been accused of pushing migrants to the border to try to destabilise the eu, a charge it denies. 0ur correspondentjenny hill sent this update from near the polish side of the border. the polish authorities don't let us get anywhere near the actual border itself. journalists, and for that matter, aid agencies, are banned from getting close. we do know from the polish border force this morning that they so overnight there were 161 attempts by people trying to get across the border from belarus into poland, not necessarily at the border crossing that you have heard about all week, but at other parts of the border which is protected and heavily guarded by polish troops. they also say that nine polish border guards were injured during those clashes at one particular border crossing yesterday. the situation there has been desperate. hundreds, if not thousands of people, have been trapped there for more than a week now. they can't go backwards, the belarusian border force have been behind them and add up in the eu, poland, but it is a heavily guarded border and poland is not budging, it is not going to let them in. there are huge concerns on this side of the border in poland, particularly among people who live in those border lands and regularly tell us that they regularly see people who have managed to get across the fence then trying to make their way through the dense, thick forest that lines the border actually on both sides. the temperatures here at night drop down to around zero. it is extremely cold. many of the people that we speak to here are trying to help and say the people who do get across are in a terrible condition. sometimes they have been beaten by border guards. but more often than not they are hungry, thirsty and severely hypothermic. so a very difficult situation. we know that behind—the—scenes diplomatic efforts are continuing. the eu has threatened another round of sanctions against belarus who it suspects of deriving these people to the border to put pressure on the eu, to destabilise it. angela merkel, the outgoing german chancellor, has also held talks with the belarusian leader alexander lukashenko in an attempt to try and ease the situation at that border. just one more update for you. we understand that last night some of the people at the border crossing were taken to a logistics warehouse overnight. that means at least they were under a proper roof of the first time in many, many nights. a survey by the un say most young people in bosnia and herzegovina want to leave the country. they are driven out by lack of prospects and economic instability. search teams equipped with diggers and dogs have started looking for people trapped in their cars, after a violent storm caused floods and mudslides across british columbia, in canada. there are reports that one person is dead and several more are missing near vancouver. access to the city has been severely restricted and the country's two biggest railways reported serious damage to their networks. 0ur north america correspondent david willis has more. after a summer of wildfires and record high temperatures has come this. more rain in a day than people here are used to in a month. it left hundreds trapped in their cars overnight, severed rail links to canada's largest port in the city of vancouver, and has cut power supply to thousands of homes. the rain has also brought with it mudslides, which forced the evacuation of an entire town. hundreds of people, many of them children, were loaded onto buses after being airlifted to safety from a town in british columbia. 0thers, meanwhile, have found themselves stuck inside with the flood waters rising. we're safe, we're a little bit above where the flooding has occurred. and, yeah, again lucky that that happened. my aunt and uncle's house is in the water. my cousin, who is having a baby, their house is totally flooded, they have nowhere to go. across the border in washington state, torrential rains and high winds have also been wreaking havoc, flooding roads and again trapping people in their cars. some counted themselves lucky to have escaped. rolled down the windows, looking for the easiest way out. had to crawl through the passenger side because the car ended up tilting, with the driver's side towards the ground a little bit. crawled out the passenger side and was able to get out, thankfully. the outskirts of vancouver have now experienced by their hottest and wettest days on record within the space ofjust a few months. as in many other parts of the world, it has left people here wondering if this constitutes the new normal. david willis, bbc news, los angeles. we are asking you to get in touch about the inflation figures today, the cost of living surged by 2.1r% and that is the highest rate in almost a decade. average prices going up and therefore the amount, how far our money goes, that is going down. do get in touch about how you are feeling the impacts of inflation, where you are feeling the pinch. you can do that on twitter and use the hashtag, bbc your questions. health officials are warning of a "hidden pandemic" of antibiotic resistant infections if people fail to act responsibly after covid. that's according to the uk health security agency, who say they should only be prescribed when really needed. last year one in five people with an infection had an antibiotic resistant one, although the overall number of infections in england did fall because of the lockdown. those who drink several cups of tea or coffee every day had the lowest incidence of stroke or dementia. there's exciting news for fans ofjk rowling's harry potter, as many of the original hogwarts actors reunite for a special 20th anniversary tv retrospective of the film franchise. daniel radcliffe, emma watson and rupert grint willjoin other cast members for the show. but there'll be a notable exception — rowling, who created harry potter in 1997, will not make a personal appearance. the harry potter film franchise is one of the most successful of all time, with an estimated worth of over $25 billion, and it made its three child actors into international stars. the cambridge dictionary has revealed that its word of the year is "perseverance". searches for the word on the dictionary�*s website peaked when nasa's perseverance rover made its final descent to mars in february. earlier this month, the oxford english dictionary chose "vax" because of a spike in interest in vaccine—related words. some news just some newsjust coming into us. a statement from liverpool cathedral. it relates to reports that a home office official had said the 0ffice official had said the liverpool bombing suspect was gaming the system when he converted to christianity. liverpool cathedral said the ministry to asylum seekers is one of the ways we can welcome people following the teachings of jesusin people following the teachings of jesus in clothing and feeding those in need, welcoming people into worshipping community is a way to engage. it has developed robust processes for the discerning someone might be expressing a genuine commitment to faith. those requirements are regular attendance taking part in recognised christian basics course. that is in response to the suggestion that the liverpool bombing suspect had converted to christianity as a way to improve his chances of gaining asylum. we will bring you more on that statement and that story throughout the rest of the morning. now it's time for a look at the weather with nick miller. hello. a brighter day out there for many of us, perhaps feeling a little bit cooler than it did yesterday, more of a breeze, but then again some sunny spells to compensate. there is a chance of catching a shower. we are on the hole in between weather systems at the moment but still closer to low pressure across north—western areas. that's where most of the showers are going to become a pressure keeping things largely dry to the south. we are going to see increasing cloud across western parts on through this afternoon. the showers are scattered about through northern and western scotland, northern ireland, north—west england and the odd one for wales, the west midlands and south—west england. even though cloud is increasing in the west this afternoon, it will become mainly dry away from those showers in western scotland. it is eastern areas that see the lion's share of the sunshine. it is breezy out there. these are average wind speeds, round the coast of northern scotland you could see gusts around 40—50 mph or so, which is 7 or 8 degrees here. whereas for the bulk of the uk a range of 10—13 celsius. into tonight, cloud continuing to thicken from the west. you may encounter some light rain and drizzle, some more persistent, heavy bursts of rain towards the north and west of scotland. clear spells continue for longest overnight across east anglia in south—east england, so this is where we are going to have the lowest temperatures, into low single figures, whereas tomorrow we start the day at 10 degrees in belfast and glasgow. we are going to get a weather front just bringing some rain for thursday and indeed for friday across parts of north and western scotland, high pressure elsewhere keeping a lot of dry weather, importing the air around it, though, from a long way to the south—west of the uk. that's an mild direction for us so it will be milder, in fact very mild in some spots, on thursday and friday. along with that flow of air, though, there will be plenty of cloud, the best of any sunny spells in the east. from the cloud in the west you may encounter light rain or drizzle. the most persistent rain is going to be across the north west of scotland. these are your temperatures come into the mid—teens, tyre 17 celsius in north—east scotland. the rain continuing on friday in north—west scotland. a lot of cloud elsewhere. some sunny spells in the east and very similar temperatures. though change is under way over the weekend. we are going to see a weather front moving south across the uk, and here it is. it's going to have some outbreaks of rain on it, it is a cold front. the leading edge of colder air and that's a change over the weekend. not horribly cold for the time of year. it will just feel different than what we have had so far this autumn. this is bbc news ? these are the latest headlines in the uk and around the world. uk prime minister borisjohnson prepares to face questions in parliament over the corruption row which has engulfed westminster. the cost of living in the uk soars by more than 1%, with the price of fuel, energy, transport and hospitality all rising. amazon says it will stop accepting payments from visa credit cards in the uk from january next year. poland accuses belarus of trying to destabilise the european union as migrants attempt to force their way across the border. search teams in canada try to find people trapped in cars after violent storms caused flooding and mudslides. and the bbc discovers the world's most wanted cyber—crime supects are living freely in russia.