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Paul Lewis with the latest news from the world of personal finance plus advice for those trying to make the most of their money.

This edition comes from Newcastle to ask how Northern Rock savers, borrowers and shareholders are faring now, one year on from the building society's collapse. Evaluating the impact been on staff and the community and what the future may hold.

Plus a discussion on how banking has changed, and what lessons should be learnt about how to deal better with such crises.