– Professor John Appleby, chief economist at The King's Fund
The NHS faces unprecedented financial pressures, and there are growing worries that patient care will suffer.
For social care, it will be increasingly difficult for councils to make further savings without directly cutting services or affecting quality.
Health and care services have coped well until now, but it is clear that many organisations expect things to become much more difficult over the coming year.
The number of patients who are forced to wait for more than four hours in A&Es before being treated has reached its highest level in a decade, a new report by the influential think tank the King's Fund suggests.