The latest report by the influential think tank, The King's Fund, suggests that health and social care providers are "pessimistic" about the financial outlook of their organisations and some are concerned that the quality of patient care has suffered as a result.
Two-thirds of 48 NHS finance directors and 58 directors of adult social care services surveyed said they were concerned about the financial outlook across the local health and social care system in 2013.
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The lender, which is the worst affected by the PPI mis-selling scandal, said it has also set aside £150m for other conduct issues.
Vodafone has been fined £4.6 million by the industry regulator for "serious and sustained" breaches of consumer protection rules.
After a very foggy start it should be a sunny afternoon for most of us.