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Good morning. It's three minutes after 10. I hope you had a splendid weekend.

It happened to me. Would you believe?

Someone as cynical and as skeptical and as wise, I like to think,

as me. I came within nanoseconds of being a victim of an online fraud. So my ears picked up

at that story. We will return to it a little later in the program. I'll tell you what. I'm

seriously nanoseconds. I was one button away from losing

about a grand, losing about a thousand pounds. Um, so I've completely changed my view. I used to

rather unkindly think anyone who falls for that kind of stuff must be a bit of a flump. But my

apologies. Um, and, and we shall look at some of the more imaginative or, or, uh, lesser known

examples of that kind of crime later in the program.

It's four minutes after ten. I want to begin with housing.

And I want to talk about it because, well, I know this is a phrase that probably doesn't

strike joy into your heart. But Michael Gove said something interesting. He essentially

...