The astronomical scale of the amount of benefit money being lost through fraud and error is vividly brought home to taxpayers by the astonishing fact that the figures are rounded to the nearest half-a-billion pounds.

The flooding stopped about a block from our home, but we lost two huge pecan trees. They were probably about 200 years old and just snapped off at the base. They took out our back porch and that blew the French doors open.

Sellers are sometimes out shopping for an agent to sell their home.

It is the clear volume of these cases which is worrying, 1 million incidents a year, and even more concerning that half of them could have been prevented if there had been proper reporting procedures.

Far too many small and medium-sized stations are threatening places, with poorly lit, graffiti-covered passages and platforms, vandalized facilities and no staff on hand.

This report raises a serious question mark over the amount of efficiency savings the government will achieve. This is a high risk program. Only 50 out of 300 projects have got to deliver 80 percent of the total savings.