The Principality Spend and Save Survey – Infographics

The Welsh nation is feeling upbeat about its financial future – despite the continuing concerns of rising fuel, food and energy costs. Almost three in every five people surveyed in Wales describe their financial mood for 2012 as “optimistic”, according to the latest Principality Building Society Quarterly Spending & Saving Survey.

Carried out in November 2011 by Cardiff-based RMG-Clarity, the quarterly Principality Saving & Spending Survey provides a regular snapshot of the spending and savings habits of the population of Wales. 500 people in Cardiff, Swansea, Newport and Wrexham were surveyed. See the infographic we created which gives further insight into Wales’ money mood.

Principality is a mutual building society that offers  savings accounts as well as financial planning.

Click here to download the PDF version of our Spend and Save Survey

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A historic grammatical error?

Posted by Matt Ball, MSN UK editor-in-chief (twitter.com/thisismattball)

This week we ran a couple of slides on the MSN UK homepage about the Conservative-Liberal Democrat coalition.

It was “a historic alliance”, we said.

Here is what some of our readers had to say about our choice of indefinite article (I’ve pasted each one verbatim):

A Historic Alliance…h is a silent vowel, it SHOULD read An Historic Alliance

Hi – apologies for this – but the banner on your homepage reads "A Historic Alliance" – this is a grammatical error as it should be "AN Historic Alliance"
Sorry for being picky!
Thanks

Your lead picture titled ‘A Historic Alliance’, should read ‘An Historic Alliance’.Please employ people with a better understanding of grammar if you are looking to be taken seriously.

the Queen’s English states it should be "An historic alliance" not A historic alliance

I think you’ll find that your headline "A historic alliance" is grammatically incorrect. It should be "An historic alliance".

The headline on the MSN homepage reads ‘A historic alliance’, this is incorrect as it should read ‘An historic alliance’. Please forward this to the relevant editor. Thank you.

‘A historic alliance’Basic elementary english mistake?Try ‘An historic alliance’

Please try to make your writers use the correct grammar and sentence construction. Your current headline reads, "A Historic Alliance". The correct version is "An Historic Alliance". Words which start with "H" are always preceeded by "an", not "a". I’m fed up with seeing these sorts of errors on your website. It’s appalling. Presumably most of your writers have degrees, so they should know better.

Thanks to everyone who wrote in. We value all the feedback we receive.

I admit it did look a bit odd to me.

So what’s the correct answer?

Well, our own style guide tells us to use ‘a’ rather than ‘an’ for this. We haven’t published our style guide, unlike many newspapers and broadcasters (although I am reviewing that decision) so allow me to explain our sources for this.

1. We often take a lead from the Guardian Style Guide because it is one of the more progressive guides and we believe that web writing requires a more progressive style.

2. We also review the Cambridge Advanced Learner’s dictionary and the Oxford English Dictionary.

Where all three show consensus that usually prevails in our own guide.

We also take into account circumstances specific to writing for the web that are not normally found in other style guides (such as hyperlinking) and circumstances specific to writing for MSN.

In the case of historic, you can find all three sources I list above use ‘a’ rather than ‘an’.

Here are the screenshots:

From the Guardian:
http://www.guardian.co.uk/styleguide/h

From the Cambridge Advanced Learner’s dictionary:
http://dictionary.cambridge.org/dictionary/british/historic

From the Oxford English Dictionary:
http://dictionary.oed.com/cgi/entry/50106577?single=1&query_type=word&queryword=historic&first=1&max_to_show=10

So that’s why MSN used ‘a’.

Hope that’s cleared it up.

PS
That doesn’t mean ‘an’ is wrong. It just means MSN uses ‘a’.

Other guides such as the Times Style Online Guide recommend using ‘an’.

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Cam-Clegg: the new touchy-feely coalition

Posted by Matt Ball (twitter.com/thisismattball)

This morning the UK’s new prime minister David Cameron greeted his deputy Nick Clegg on the steps of 10 Downing Street.

You can watch the moment on MSN Video, as I did.

And if your bandwidth’s good enough you’ll see it in glorious HD.

What struck me was the amount of times each tried to touch the other.

Were they showing us how closely they will work together in this new coalition or were they already competing to see who could get more sneaky touches in? Here’s my (not too serious) blow-by-blow analysis:

As they shake each other’s right hand (scoring a point each) Nick bags an additional point with a left-hand grab of Dave’s right elbow.
Dave 1 – 2 Nick

But as the camera angle changes we see Dave has already struck back with his left hand on Nick’s arm just below the shoulder.
Dave 2 – 2 Nick

Suddenly it’s hands off as Dave moves to an open-handed gesture.
Still Dave 2 –2 Nick
 

And then Dave gets another quick high left hand grab in.
Dave 3 – 2 Nick

The pair face the cameras and wave. Dave uses a salute, Nick’s hand oscillates.
Still Dave 3 – 2 Nick

But then comes the first of four killer blows from Dave. A whiplash of a touch to the back; it’s almost impossible to see as it happens so fast but replay the video yourself and you’ll see it’s there.
Dave 4 – 2 Nick
 

As they turn to go inside Dave gets his first right hand touch in with a delicate placement on Nick’s left shoulder.
Dave 5 – 2 Nick

Nick strikes back with a fully open left hand between the shoulders and an interesting raised eyebrow expression…
Dave 5 – 3 Nick

…but our new PM lands the final two of his four killer blows. A right hand in the armpit…
Dave 6 – 3 Nick

…finished off by an open hand on the back as the door closes. Genius.
Dave 7 – 3 Nick, an emphatic result putting the PM squarely in the driving seat.

Watch the whole clip on MSN Video now.

Afternoon update
Dave and Nick held a press conference on Wednesday afternoon where they continued their fine bromance.

The event was held in the garden at the back of the government buildings in Downing Street. The weather was fine and the birds were singing.

The reporters in the audience enjoyed the double act but also seemed to be struggling to come to terms with the idea of a coalition far more than the politicians.

Channel 4’s Jon Snow asked if both of them would get up to answer the phone if it rings in the middle of the night.

A reporter from Five TV reminded Dave of a comment he had made some time ago in reply to the question “What’s your favourite joke?” Dave had responded “Nick Clegg”. Dave immediately admitted he had said that, Nick feigned walking off and Dave mock-pleaded: “Come back!” Dave added a dash of sensible commentary, saying that it doesn’t matter what’s been said, it’s how they work together now that counts.

Dave joked about the two of them sharing a car to save petrol when they go to the Thirsk and Malton election (which is the remaining seat to be contested). With great comic timing, Nick added they’d exit the car on opposite sides.

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Brown out, Cameron in: the web reacts

Posted by Matt Ball (twitter.com/thisismattball)

On Tuesday Gordon Brown resigned as Prime Minister and David Cameron took over.

In a speech outside 10 Downing Street Cameron said he aimed to form “a proper and full coalition” between the Conservatives and the Liberal Democrats. He later appointed William Hague foreign secretary and George Osborne chancellor.

Nick Clegg was then confirmed as deputy PM.

Details of other cabinet posts emerged over the course of the evening and shortly after midnight the Liberal Democrats emerged from their meeting to announce they approved the coalition deal.

The Labour party will become the opposition party. One of its first tasks will be to elect a new leader. 

Here is how the web is reacting to the news:

MSN: Tributes to Brown at ‘sad’ moment

MSN: Business chiefs hail Cameron’s deal

Sky News: Cameron Is Great Britain’s New Prime Minister

BBC: Tory-Lib Dem coalition: Now for the difficult part

BBC: Harman made acting Labour leader

Guardian: David Cameron faces toughest hand of cards ever dealt a new prime minister

Guardian: The better Brown said goodbye

Guardian: The coalition government – sweetening the pill

Guardian: Tory-Lib Dem coalition – the verdict

Times Online: Our democracy has emerged intact

Times Online: Labour infighting killed coalition hopes

Times Online: Cameron pledges to work for ‘common good’

Mirror: Brown says emotional goodbye

Telegraph: Gordon Brown’s resignation is his final defeat

Telegraph: The political infighting won’t be over until we have another election

Independent: The Brown paradox

Mail Online: Clegg becomes Deputy PM, another four Lib Dems confirmed for Cameron’s Cabinet

The Sun: Cameron is new PM

Scotsman: Tough times ahead

Belfast Telegraph: Taoiseach leads tributes as Gordon Brown quits

Posted in Uncategorized | 100 Comments

The view from that patch of grass outside Parliament

By Ian Jones
 
I’ve just come back from a half an hour or so of loitering on College Green.
 
This is the official name for that patch of grass outside the Houses of Parliament which is always used by broadcasters when a big political event is underway.
 
You’ll know what I’m talking about when you see it. Here’s a Press Association photo from 9 April:
 
 
Over the last few days College Green has been almost permanently occupied by camera crews, presenters and politicians all talking to, at and over each other.
 
The BBC News channel and Sky News have been broadcasting near-continuously. From time to time ITV and BBC1 have interrupted their schedules for special programmes "live" from the Green. In the BBC’s case, these are presented by David Dimbleby from within a giant black pod that squats on the grass like a spaceship from a 1970s futuristic sci-fi series.
 
But while the place is teeming with the media, it is also teeming with the public. For there is no barrier to ordinary people – ordinary voters – wandering among the melee and seeing the great and the good of British politics and British journalism up close.
 
While I was there John Prescott shuffled by not three feet in front of me; over my shoulder Tony Benn chatted with Jim Naughtie from Radio 4’s Today programme; defeated Lib Dem Lembit Opik wandered about, willing to speak to anyone about anything so long as a TV camera was involved; Caroline Lucas, the new Green Party MP, breezed past to general congratulations; Labour minister Ben Bradshaw hopped about, eager to catch the eye of Richard Bacon who was broadcasting live on Five Live from a trestle table inside a tent; Simon Hughes, veteran Lib Dem MP, mooched about gnomically; and shadow schools minister Michael Gove continued his quest to appear on every TV channel on the hour every hour.
 
All of the politicians spend their time touring the various tents and podiums in sequence. I saw Bradshaw go from talking to Richard Bacon to the dreaded Kay Burley on Sky News to the dapper Jon Sopel on the BBC News channel.
 
Journalists circulate the scrum, keen to grab any newly-arrived MPs and bag them for their news organisation. Jon Pienaar and James Landale, both well-known BBC faces, patrolled the area while I was there, looking out for potential scoops and interviewees.
 
But it’s the presence of the public that makes College Green such a fascinating place to be at times like these. I was amazed (and quite pleased) at how there was no attempt made to stop us wandering all over the place.
 
Surely there are precious few occasions nowadays when ordinary people can literally rub shoulders with top politicians.
 
The sight of Kay Burley pontificating from atop the Sky rostrum made me contemplate some kind of intervention. You’ll be happy (or disappointed) to know I resisted.
 
But I can always go back. She’s just 10 minutes from this office…
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Brown to step down as Labour leader: the web reacts

Posted by Matt Ball (twitter.com/thisismattball)

Prime Minister Gordon Brown has announced he will step down as Labour leader.

In a speech at 5pm on Monday he said he will ask the Labour Party to set in motion a leadership election. 

He said he wanted a successor to be in place by the time of the party’s conference in September.

“I will play no part in that contest, I will back no individual candidate,” he said.

Watch: news report on MSN Video.

Here is how the web is reacting to the news:

MSN: Labour MPs welcome Brown’s exit

MSN: Tories offer Lib Dems referendum on electoral reform

MSN: Highs and lows of Brown’s premiership

BBC: Gordon Brown ‘stepping down as Labour leader’

BBC’s Nick Robinson: Brown’s audacious bid raises questions

BBC: Gordon Brown’s political career – it was not supposed to be like this

Sky News: Gordon Brown Says He Will Resign As Leader

Independent: Labour’s options for life after Gordon Brown

Independent: Boulton and Campbell in live TV clash

Independent’s Eagle Eye: The problem with a Lib/Lab pact

Guardian: Gordon Brown was ready to quit. All he needed was signal

Guardian comment: Jackie Ashley says: "Gordon Brown has acted like a statesman"

Times Online: Brown’s desperate final move to stop Tory-Lib coalition

Times Online: Progressive coalition? What’s that?

Telegraph: A very Labour coup

Telegraph: A Labour-Lib Dem coalition is not what we voted for

Telegraph: How David Cameron was outflanked as he prepared to enter No 10

Mirror.co.uk: Gordon Brown to resign as Labour leader

MailOnline: Brown sacrifices himself and promises to quit as PM in last-ditch bid to do deal with Lib Dems

The Sun: Brown to quit as Labour leader

Bing: Latest search results for ‘Gordon Brown’

On Twitter

By 6:25pm Nine of the ten most tweeted terms most tweeted by UK users on Twitter related to UK politics

Bing.com/twitter: Latest search results on twitter for ‘Gordon Brown’

Full text of Brown’s speech (from Labour.org.uk)

"We have a parliamentary and not presidential system in this country and as I said on Friday, with no party able to command a parliamentary majority arising from the general election, my constitutional duty as prime minister is to ensure that government continues while parties explore options for forming a new administration with majority support in the House of Commons.

"The business of government has continued including concerted action in Europe today to avert the financial crisis in the Euro area. Alistair Darling the chancellor spent much of his time yesterday in the European finance ministers meeting in Brussels. This morning I have had conversations with the president of the European council, the managing director of the International Monetary Fund, and the president of the European Central Bank. I have said I would do all I could to ensure that a stable, strong, and principled government is formed able to tackle Britain’s economic and political challenges effectively.

"As we know, the Liberal Democrats felt that they should first talk to the Conservative Party. Mr Clegg has just informed me that while he intends to continue his dialogue that he has begun with the Conservatives, he now wishes also to take forward formal discussions with the Labour Party. I  believe it is sensible and it’s in the national interest to respond positively.

"The Cabinet will meet soon, a formal policy negotiating process is being established under the arrangements made by the Cabinet Secretary, similar to the negotiations between other parties. The first priority should be an agreed deficit reduction plan, to support economic growth and a return to full employment. I know that both parties recognise the importance of ensuring economic stability in the markets and protecting Britain’s standing and both are agreed on the need for a strong and full deficit reduction plan over the coming years.

"There is also a progressive majority in Britain and I believe it could be in the interests of the whole country to form a progressive coalition government. In addition to the economic priorities, in my view only such a progressive government can meet the demand for political and electoral change which the British people made last Thursday. Our commitments on a new voting system for the House of Commons and for the election of the House of Lords are clearly part of this.

"I would however like to say something also about my own position. If it becomes clear that the national interest, which is stable and principled government, can be best served by forming a coalition between the Labour Party and the Liberal Democrats then I believe I should discharge that duty, to form that government, which would in my view command a majority in the House of Commons in the Queen’s speech and any other confidence votes.

"But I have no desire to stay in my position longer than is needed to ensure the path to economic growth is assured and the process of political reform we have agreed moves forward quickly. The reason that we have a hung parliament is that no single party and no single leader was able to win the full support of the country. As leader of my party I must accept that that is a judgement on me. I therefore intend to ask the Labour Party to set in train the processes needed for its own leadership election. I would hope that it would be completed in time for the new leader to be in post by the time of the Labour Party conference. I will play no part in that contest, I will back no individual candidate.

"I believe that the British people now want us to focus on the economy, the continuing fight against terrorism, the terrorist threat to our country, they want us to continue to pursue the economic recovery and I will do so with my usual vigour and determination and I will do all in my power to support the British troops whose service and sacrifice cerate a debt of gratitude we can never fully repay. And I believe on Thursday the country was also telling us that they want a new politics and that the political reforms we seek will help deliver that change. I now intend to facilitate the discussions that the Liberal Democratic party has asked for. Thank you very much. As you will understand I will take no questions this evening, other discussions can be had later. Thank you very much."

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MSN poll suggests little support for Tory-Lib Dem deal

By Ian Jones

A poll currently running on MSN UK News suggests there is little appetite for a Conservative-Lib Dem coalition in the new hung parliament.

Of the 56,000 responses so far, only a quarter would prefer to see a Tory-Liberal partnership running the country.

Almost a third, however, would be happy to see a Labour-Lib Dem coalition.

Just under a fifth would like a Tory minority government. The least popular outcome is a coalition between every party except Labour.

Here are the results of the poll, as of 11.30am on Sunday morning:

As you can see, no outcome commands over 50% of votes. A majority of people appear to support the idea of a coalition, but are split as to whom it should be between.

It’s worth remembering this is not a scientific or properly weighted poll.

A YouGov survey for today’s Sunday Times suggests 48% of people would like either a Conservative minority government or a Tory-Lib Dem coalition (there is no breakdown of the figures), while 31% would favour a Labour-Lib Dem alliance.

An ICM poll, however, points to almost equal support for a Tory-Lib Dem coalition (33%) as a Labour-Lib Dem coalition (32%), while 18% would prefer a Tory minority government.

Meanwhile negotiations between Conservatives and Liberal Democrats are continuing.

Nick Clegg has five options open to him this weekend. Which would you prefer?

Posted in Uncategorized | 100 Comments

General election – live

2010 general election result – hung parliament.
Conservatives – 306
Labour – 258
Lib Dems – 57
Other – 28
 
9.40pm: A BBC TV news report this evening has shown us William Hague leaving the Cabinet Office and saying nothing more than there has been “an initial meeting”. It’s believed he’s referring to a meeting between top Tory and Lib Dem MPs. Neither party leader attended. Separately, Nick Clegg is at a meeting at Lib Dem HQ with top party officials. David Cameron, we are told, has gone to his west London home to put his kids to bed.
 
5.11pm: It is being reported that Cameron and Clegg agreed to "explore further" plans for economic and political reform.
 
4.59pm: Conservative William Hague tells Sky News that David Cameron and Nick Clegg have had talks within the last half hour.
 
4.45pm: Final result: Conservatives 306, Labour 258, Lib Dems 57, Other 28.
 
4.34pm: The final seat, Torridge and West Devon, is held by the Conservatives. There is one more constituency to come, but voting will not take place in Thirsk and Malton until 27 May, due to the death of a candidate during the campaign.
 
4.31pm: In case you missed the party leaders’ speeches earlier in the day, here are the transcripts in full: David Cameron, Nick Clegg and Gordon Brown.
 
4.25pm: The Lib Dems are understood to be considering David Cameron’s offer and are likely to make a statement later on today. It’s also being reported that talks are going on between Labour and the SNP.
 
4.14pm: Former Conservative PM John Major says that handing cabinet seats to key Liberal Democrats is a price worth paying for providing the Tories with a platform to form a stable government.
 
3.48pm: Talks between the Tories and the Lib Dems are likely to start this evening. It’ll be a busy weekend for David Cameron and Nick Clegg.
 
3.42pm: The Conservative Party gains Lancaster and Fleetwood from Labour with a 4.8% swing. Conservatives 305, Labour 258, Lib Dems 57.
 
3.32pm: Labour hold Dudley North.
 
3.15pm: Conservatives gain Amber Valley from Labour. The Tories also take Morecambe and Lunesdale from Labour. Conservatives 304, Labour 257, Lib Dems 57.
 
3.09pm: Lib Dems hold St Ives. Sinn Fein hold Fermanagh and South Tyrone with Michelle Gildernew winning by just four votes over independent candidate Rodney Connor.
 
2.57pm: Labour’s Diane Abbott holds Hackney North and Stoke Newington. Conservatives 302, Labour 256, Lib Dems 56.
 
2.53pm: Conservative leader David Cameron has urged the Lib Dems to work with him saying that "Britain needs a strong, stable, decisive government." Cameron said he wanted to make a "big, open and comprehensive offer to the Liberal Democrats" and that working together in the national interest means "compromise." On the topic of electoral reform, Cameron said he’d welcome an all-party inquiry. He stressed that dealing with the budget deficit this year was "essential." It’s not clear at this stage whether Cameron was hinting at a coalition with the Lib Dems or just an agreement, but he referred to the Labour government as "outgoing".
 
2.32pm: Penrith and The Border – Conservative hold.
 
2.18pm: The Lib Dems hold Westmorland.
 
2.11pm: Just 12 more seats to declare. David Cameron due to speak in just under 20 minutes.
 
2.04pm: More results in: Labour holds Blyth Valley and  speaker John Bercow holds his Buckingham seat, while the Lib Dems hold Cheltenham. The Tories are on 301, Labour 255 and Lib Dems 55.
 
1.55pm: Gordon Brown gave a five-minute speech outside 10 Downing Street and dangled a carrot in front of the Lib Dems by saying he considers electoral reform as not only important but essential. Brown, who said he was speaking as prime minister and not as leader of the Labour Party, claimed he understood Nick Clegg’s position and was happy for the Tories and Lib Dems to take as much time for their talks as they feel necessary. However, should the Lib Dem/Tory talks amount to nothing, Brown said he’d be willing to see any of the party leaders. The PM didn’t elaborate on what he might discuss with Cameron, but he said areas of common interest he’d be willing to talk to Clegg about included instant electoral reform and economic stability. A ‘fairer voting system is central,’ according to Brown and he said the British people should have a referendum on changes to the voting system. Read Gordon Brown’s statement in full. 
 
1.36pm: The Conservatives hold Broadland. The win takes them to the brink of 300 seats – they have 299.
 
1.32pm: Gordon Brown is due to speak outside Number 10 any second now.
 
1.24pm: All three main parties pick up an extra seat. The scores are: Tories 298, Labour 253 and Lib Dems 54.
 
1.06pm: The Tories move up to 297 seats with wins in Norwich North and Kenilworth and Southam.
 
12.50pm: With 23 seats still left to declare, the Conservatives have 295 seats, Labour 252, the Lib Dems 53 and other parties 27. In terms of share of the vote, the Tories have 36.1%, Labour 29.2% and the Lib Dems 22.9%.
 
12.36pm: Labour gain Bethnal Green and Bow. It’s the third Labour gain of this election. Respect no longer has a seat in the House of Commons.
 
12.27pm: The Tories gain Warwick and Leamington from Labour with a swing of 8.8%. The turnout was very high at 84%. The win takes the Conservatives to 294 seats. Labour have 251 and the Lib Dems 52.
 
12.22pm: The Conservatives hold Hampshire North East.
 
12.10pm: We’re hearing reports that Tory sources aren’t ruling out offering proportional representaion to the Lib Dems as part of a deal.
 
11.55am: There are 29 constituencies still to declare a winner but the focus has shifted back to Westminster and what the politicans are getting up to.
 
11.30am: Conservative MP Sir Malcolm Rifkind has said that an agreement between his party and the Lib Dems is a possibility but that an official coalition is unrealistic.
 
11.13am: David Cameron will make a statement at 2.30pm and is expected to explain how he plans to form a strong and stable government.
 
11.10am: Lib Dems gain Brent Central from Labour.
 
11.01am: Confirming Nick Clegg’s stance, former Lib Dem leader Lord Ashdown explains that it is up to the Conservatives to rule the country in the national interest and not in the interests of the Conservative Party.
 
10.58am: Respect’s George Galloway has failed in his efforts to become MP for Poplar and Limehouse in east London. Labour’s Jim Fitzpatrick was voted in.
 
10.53am: At Lib Dem party HQ in London, Nick Clegg expressed his disappointment that even though his party won a higher proprtion of the vote than ever before they’ve returned to parliament with fewer seats.Clegg suggested that when people came to vote they decided to ‘stick with what they knew best’. He said that in this time of ‘economic uncertainty’ he ‘totally understands those feelings’.
Clegg said the country is now in a ‘very fluid political situation’ and that it ‘is vital that all political leaders act in the national interest’. The Lib Dem leader confirmed his pre-election belief that whichever party secured the most seats should have the ‘first right to govern’ and said ‘it is for the Conservative Party to prove it’s capable of seeking to govern in the national interest’.
Clegg finished by saying that ‘our electoral system is broken’ and he vowed to argue for greater fairness and the extensive reforms ‘we need to fix our broken political system’. Read Nick Clegg’tatement in full.
 
10.40am: Labour hold Brent North.
 
10.31am: We’ve just seen the PM’s statement, which was a mere formality and didn’t reveal anything about his intentions. It amounted to little more than giving official authority for the civil service to support the political parties in their discussions on how to form a government. Nick Clegg is due to speak soon, hopefully he’ll have a little more substance in his speech.
 
10.17am: Downing Street is due to issue a statement from Gordon Brown shortly. Lib Dem leader Nick Clegg has arrived back in London and is due to speak soon.
 
10.14am: The Conservatives gain Thurrock from Labour, taking their tally to 291 seats. Foreign secretary David Miliband has just tweeted denying reports he’s been talking with Lib Dem Vince Cable. According to his tweet he’s ‘been having a kip’.
 
10.05am: Lib Dem leader Nick Clegg is due back in London shortly after a disappointing night for his party. He’s expected to arrive on the train from Sheffield and head straight to the Lib Dem headquarters for some pretty urgent talks.
 
9.42am: It’s official, as if we didn’t already know, the general election has resulted in a hung parliament. Labour’s victory in Erith and Thamesmead means it’s now mathematically impossible for any party to win an overall majority. The Conservatives have 290, Labour 247, the Lib Dems 51 and other parties 27. There are just 35 more seats to be declared. It’s the first time we’ve seen a hung parliament since the general election of 1974.
 
9.35am: The Conservatives now have 290 MPs with 36 seats left to declare. As soon as a seat is called that the Conservatives do not win it will officially be a hung parliament.
 
9.32am: We are potentially just one result away from being able to declare it is definitely a hung parliament. There are 37 seats left to declare and unless the Conservatives win all of them they cannot have a majority of MPs. The maths works like this: the Conservatives have 289 seats right now and if they win the remaining 37 seats they will have 326 MPs which would be a majority of 2 (because the total number of MPs is 650). So as soon as a seat is declared for any party other than the Conservatives, the best they can achieve is 235 MPs which is exactly half of the house.
 
7.30am: Nick Clegg acknowledged it has been a disappointing result for the Liberal Democrats as he is finally declared winner of his Sheffield Hallam seat. Commenting on the national result of a hung parliament, he says that he believes people should "take a little time" to get the sort of "good government" they deserve.

6.10am:
That’s where I’m going to head off into the sunset folks, but please stay tuned for further updates. It has been an unusual, and at times bemusing, night in British politics. We are heading for a hung parliament, and it will be fascinating to see what deals can be done over the hours and days to come. Good Morning to you.
 
5.58am: Margaret Hodge wins handsomely for the Labour party in Barking. She registers more than 24,000 votes, with the Tories second on 8,000 votes. BNP leader Nick Griffin can only manage slightly more than 6,000 votes.
 
5.54am: Zac Goldsmith wins for the Conservative party in Richmond Park.
 
5.51am: A bit of a moment here (at last I hear you cry). Caroline Lucas has won the Green Party’s first seat in Brighton Pavilion.
 
5.44am: "Saint Vince", or Vince Cable to give him his full and proper name, has been re-elected by the good folk of Twickenham.
 
5.35am: The BBC have come out and forecast there will be a hung parliament. That’s the way we’re heading on this Friday morning folks.
 
5.30am: The Conservativehome website believes it is no longer possible for the Tories to win a majority. They do still expect around 310 seats however, which could be more than Labour and the Liberal Democrats combined.
 
5.27am: Labour make a significant hold, with Andy Slaughter holding on to win Hammersmith.
 
5.14am: We’ve finally had a result in the seat of Birmingham Edgbaston after several recounts, and Labour hold on to the seat they famously claimed from the Tories in their landslide victory of 1997.
 
5.08am: ICM has produced an estimate for the final share of the vote, based on the figures already in. The Conservatives have been projected to win 37.7 per cent of the vote, with Labour on 28.2 per cent and the Liberal Democrats on 23.1 per cent. The Labour party would be down to Michael Foot 1983 levels, while critics of first-past-the-post will surely be given more ammunition.
 
5.00am: Dawn begins to break over Britain, and we’re still no nearer to knowing what on earth will happen at this General Election. It seems increasingly likely that we are heading for a hung parliament. The Prime Minister has strongly indicated that he will try to forge a coalition with the Liberal Democrats.
 
4.57pm: Another former Home Secretary Charles Clarke bites the dust, losing out to the Tories in Norwich South.
 
4.52am: Labour’s Ed Balls narrowly holds on to his Morley and Outwood seat despite a strong challenge from the Tories.
 
4.45am: The Conservatives gain Pudsey from Labour. The Prime Minister is making his way from Stansted to central London, apparently repeating his assertion to reporters that it was his duty to give Britain a strong and principled government.
 
4.38am: Former Home Secretary Jacqui Smith has lost her seat in Redditch – and she has been trounced by the Tories, with a swing of 9.2 per cent.
 
4.35am: A couple of other important results have come in over the past half hour. Labour have lost Redcar, with the Liberal Democrats taking the seat with a huge swing of 20 per cent. There was less good for the Liberals in Oxford West and Abingdon, where the Conservatives have won.
 
4.28am: Labour hold Luton South. Former ‘That’s Life’ presenter Esther Rantzen does terribly, with less than 2,000 votes.
 
4.25am: Former deputy Prime Minister John Prescott is on form with his Tweeting, saying "Great to see that endorsement of the Lib Dems by the Guardian and the Observer swayed the Great British public".
 
4.19am: The Conservatives have gained Swindon South. The BBC’s political editor Nick Robinson reminds viewers that the party has made plenty of significant gains this evening, although it looks like they will fall short of an outright victory.
 
4.14am: David Davies, who lest we forget could have been the Tory leader fighting this election, still believes the Tories could win an overall majority.
 
4.10am: We’re half-way through in terms of seats declared. This is certainly the oddest election night I can recall, and it does seem we’re heading to a hung parliament.
 
4.02am: Schools Secretary Ed Balls says: "The voters have spoken, but we have not quite heard what they have said yet."
 
3.55am: Labour stalwart Jack Straw wins in Blackburn, while the Liberal Democrats take Redcar.
 
3.47am: Alistair Darling says the result of the election is stil uncertain, but people will expect a stable government. Interestingly, Labour hang on to Rochdale. We surely will long remember what happened in Rochdale last week.
 
3.41am: The Tories have taken Carlisle off Labour. The Conservatives are still taking important seats here and there, but seemingly not enough of them to secure an overall majority.
 
3.32am: Plenty of results are coming through, and the Tories are holding seats around England. The Conservatives now lead Labour in seats won.
 
3.25am: Gordon Brown is boarding a flight in Edinburgh, headed for London.
 
3.17am: This really is a most strange night, and in a funny kind of way we’re still waiting for the drama. There hasn’t even been one of those flashpoints at any of the counts that are so often part of election nights.
 
3.09am: Chancellor Alistair Darling wins in Edinburgh South West, and gives nothing away with his short and sharp speech.
 
3.02am: Mr Cameron says Labour have "lost their chance to govern" but certainly suggests the future is uncertain. He sayd: "It’s clear the country wants change and that change is going to require new leadership", adding that "whatever happens, we will do all we can to bring about that leadership."
 
2.59am: Labour’s David Miliband wins again in South Shields. Currently Labour have 76 seats, and the Tories 73.
 
2.57am: Tory leader David Cameron wins in Witney.
 
2.48am: William Hague claims it would be "shameless" for Gordon Brown to try and stay in Downing Street. He also claims the Liberal Democrats would be going back on their word if they backed Labour in a coalition.
 
2.44am: The Conservatives gain Harrogate and Knaresborough, which will delight Central Office.
 
2.38am: The Liberal Democrats hold Somerton and Frome, and claim Eastbourne. That’s better news for the party.
 
2.28am: All smiles for Stephen Metcalfe (no relation) in Basildon, as he wins the Essex seat for the Tories.
 
2.23am: The Tories gain the Vale of Glamorgan, one of their top targets. They also win Montgomeryshire, with Liberal Democrat Lempit Opik beaten.
 
2.18am: SNP leader Alex Salmond admits his party haven’t made the breakthrough he was hoping for so far on this election night.
 
2.12am: Labour have won Glasgow East, and the SNP have done rather badly. The last half hour has seen a fair few heartening results for the Government.
 
2.05am: I wonder if the Liberals have suffered from "wobbly pencil syndrome" because their success in the polls is not being replicated here.
 
1.59am: Bad news for the Liberal Democrats, who fail to win their top target seat of Guildford, with the Tories claiming victory.
 
1.57am: David Dimbleby says everyone seems to be "at sixes and sevens", and I think that sums the current situation up rather nicely.
 
1.51am: Labour’s Ed Miliband has told the BBC that if we face a hung parliament situation, the position is clear – it is the job of the other parties to form a Government, and the Prime Minister will "get the first go".
 
1.44am: The Conservatives gain a crucial seat in Battersea, but Labour’s Sadiq Khan holds on in nearby Tooting. "Yes, he Khan" chant the crowd. I see what they’ve done there.
 
1.40am: The Prime Minister says the "result of the election is not yet known" but it was his duty to play his part in a "strong and principled Government". In other words, he’s leaving the door open for a coalition with the Liberal Democrats. However, the tone of the speech was a touch flat if I’m being honest – and possibly a sign that defeat could still be on the cards.
 
1.37am: Labour hold on to the City of Durham despite a strong challenge from the Liberal Democrats.
 
1.35am: Least surprising result yet: the Prime Minister wins Kirkcaldy.
 
1.30am: David Blunkett says he fears Labour have lost the General Election.
 
1.28am: The Labour party currently have 11 seats, the Tories four seats, and the Liberal Democrats two. The phrase "early days" takes on a whole new meaning.
 
1.22am: The Press Association are reporting Downing Street sources that the Prime Minister will try to enter into coalition with the Liberal Democrats in the event of a hung parliament.
 
1.17am: Justine Greening wins again for the Tories in Putney, and in thumping fashion. A 9.9 per cent swing to the Tories in the south London constituency.
 
1.15am: The Liberal Democrats hold Torbay. This was seen as a key seat, and shows again how powerful the Liberals remain in the south west.
 
1.10am: Great Freudian slip from Jeremy Paxman, teasing Baroness Warsi about controversial Tory donor Lord Ashdown. He means Lord Ashcroft of course. Former Liberal Democrat leader Paddy is also on the panel and takes it in good spirits.
 
1.07am: There is talk that the Tories have snatched Basildon South from Labour – this would be another huge win for them.
 
1.05am: The Tories have won Kingswood from Labour with a swing of 9.4 per cent. Are we seeing signs that the earlier exit poll sold the Conservative party short?
 
1.02am: The Prime Minister says he is "very concerned" about people being turned away from polling stations without voting.
 
0.55am: Labour win seats in Darlington and Durham, but there are big swings to the Tories in both – again, enough for an overall majority if the results were repeated across the country.
 
0.49am: Northern Ireland First Minister and DUP leader Peter Robinson has lost in Belfast East, with the Alliance party taking his seat. You may recall the scandal involving him and his wife earlier in the year.
 
0.48am: Hundreds of postal ballots have apparently gone missing in York. It’s a farce, I tell you.
 
0.43am: A couple of results have been declared in Northern Ireland, with Sinn Fein and the DUP winning one each.
 
0.35am: There is talk that the Green Party’s leader Caroline Lucas could well have won in Brighton Pavillion. I’m not sure what i think of that. The last time I heard her, she was promising motherhood and apple pie with policies that didn’t seem particularly mature.
 
0.30: I’ve just been dipping into radio coverage of tonight’s drama, and I’m hearing a lot of angry people calling in to recount their experiences of not being able to vote.
 
0.25am: There are reports from the Press Association and elsewhere that the Tories are expected to win the key south London seat of Battersea.
 
0.22am: Ken Clarke criticises what he describes as a "television celebrity contest" of a campaign, and then hits out at the BBC’s decision to interrupt an interview with him to show pictures of the Prime Minister arriving at his count. He insists that Mr Brown has "lost his office".
 
00.20am: The London School of Economics have an interesing new exit poll: Conservatives on 317 seats, Labour on 239 and the Liberal Democrats on 64.
 
00.10am: The Electoral Commission has said there will be an enquiry into the farcical scenes of this election night, with many people unable to vote.
 
Midnight Thank you for joining our coverage of this dramatic General Election. The major headlines so far are:
 
Labour have won the three seats declared so far, but there has been a percentage swing to the Tories.
 
An exit poll shows we are heading for a hung parliament, with the Tories being the largest party.
 
Lord Mandelson has indicated Labour could form a coalition with the Liberal Democrats, but the Tories have dismissed the idea as outrageous.
 
Hundreds of people have been turned away from polling stations across the country, having been unable to vote.
 
11.55pm: Foreign Secretary David Milliband claims that if no party has a majority then none has the moral right to have a monopoly on power.
 
11.50pm: There are reports from the BBC that people couldn’t vote because polling stations ran out of ballot papers.
 
11.45pm: Shadow Chancellor George Osborne dismisses the prospect of Labour trying to stay in power in the event of a hung parliament, with the Tories being the largest party. He claims the British people have decided it is time for a change, and they would find it ridiculous if Labour tried to do any deal.
 
11.43pm: The whispers were ludicrous, with Labour holding on and the swing in favour of the Tories only 4.8 per cent. That’s hung parliament territory for sure.
 
11.38pm: Sunderland Central is next and there are whispers of a possible Tory win. I wonder if this is something specific to the town. Readers of our blog may recall that last weekend I mentioned being in the town and disillusionment with the Government there being striking.
 
11.35pm: That old Tory bruiser Ken Clarke has tried to pull the rug from underneath Lord Mandelson. He has told Sky: "Peter with his usual cunning has already been making noises that he hopes will seduce the Liberal Democrats to keep Gordon Brown in power." Mr Clarke insists that the Prime Minister would be in a worse position than Ted Heath in 1974.
 
11.30pm: Labour have held Washington and Sunderland West Coast, but the swing to the Tories is 11.6 per cent. That is a big swing, and if it is repeated nationally the Conservative party will certainly be heading for a majority.
 
11.25pm: There are continuing reports of people being turned away from polling stations. It has emerged that Mr Clegg has personally travelled to a polling station in Sheffield to apologise to some voters. David Dimbleby has hit out angrily at the situation, saying it is an "absolute disgrace" more than once. I’ve rarely known such anger from the man. He’s quite right though – it’s outrageous and I can’t remember it happening before.
 
11.20pm: The BBC have gone gimmick crazy. At the moment I’m watching Jeremy Vince pushing over a load of dominos. There’s quite a lot of filling to be done during the early stages of this election night before the rush of results come in.
 
11.15pm: Senior figures from the Liberal Democrats, including Vince Cable, are doing their level best to dismiss the exit polls. That’s hardly a surprise, because after all the talk of three party politics (and despite our first past the post system) a result as predicted would be dreadful for the party.
 
11.10pm: A new exit poll suggests the Tories will have 305 seats, Labour 255 and the Liberal Democrats 61.
 
11.00pm: So it’s 1-0 to Labour. There are still a few more results to come though. This really is going to be a hugely long night.
 
10.52pm: Houghton and Sunderland South Coast are the first to declare. Labour win, which is no great surprise. Bridget Phillipson is only 26, but she is now an MP. Labour’s vote s down 12 per cent, with the Tories up five per cent. The turnout is only 55 per cent, which is poor indeed.
 
10.50pm: There are still reports of people being turned away from counts without having had the chance to vote. It seems to have happened in Mr Clegg’s Sheffield constituency, as well as Manchester. This would seem to open the door to a potential legal challenge.
 
10.48pm: I’m delighted to see the BBC in my home parish of Wandsworth. And with good reason – there are three closely fought seats up fo grabs in the shape of Battersea, Tooting and Putney. I must say my local polling station was doing a roaring trade earlier this evening.
 
10.45pm: Home Secretary Alan Johnson leaves the door more than ajar for Labour to do a deal with the Liberal Democrats. In fact he has flung it wide open, saying that he has "no problem at all" working with Mr Clegg’s party.
 
10.40pm: There are reports that some people were turned away without having had the chance to vote at 10pm. Sorry, but that just can’t be right. I was similarly put out earlier when a friend reported to me that her local polling station wasn’t ready to open at 7am. Cue scenes of people arriving struggling with keys to open the building.
 
10.35pm: Former Mirror editor Piers Morgan has dismissed the exit polls. "I just don’t believe them," claims the Britain’s Got Talent judge. As for veteran entertainer Bruce Forsyth? He’s also part of the BBC’s coverage. It’s difficult not to like or admire Bruce for his extraordinary career in showbusiness but he wins the early ‘you’ve brought nothing to the table’ award with his "Anything could happen" claim.
 
10.30pm: Peter Mandelson is on fire already, and he claims this will be a "cliffhanger" of a night, and "if you had told me a few months ago that there would be a hung parliament, I wouldn’t have believed you". He certainly isn’t ruling out a deal with the Liberal Democrats either, and he would be foolish to do so.
 
10.25pm: They’re running around like lunatics in Sunderland, lugging around ballot boxes. They want to be the first to declare, you see.
 
10.15pm: So what to make of the exit polls? My first impression is that if the Tories should only be a handful of seats short of a majority, they may not have the greatest trouble crawling over the line with a little help from their friends. The other number that jumps out is 59 seats for the Liberal Democrats. That would be a shocking result for the party when you consider how much success their leader Nick Clegg apparently had during the campaign. The traditional third party may have a say however, with a pact between Labour and the Liberal Democrats also a possibility.
 
10.05pm: So the polls have closed, the great British public have spoken. Goodness only knows what the next four, five, six, seven, eight (you get my drift) have in store for us.
 
10.00pm: Oh what a night. Not just one of my favourite songs but the only way I can introduce what should be a truly dramatic British election.
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Exit poll results

Here are the results of the ITV/BBC/Sky exit poll based on interviews at more than 100 polling stations across the country.

The results predict a hung parliament:

Conservatives – 307 seats, short of a majority (326 seats needed for that)

Labour – 255 seats

Liberal Democrats – 59 seats (surprisingly, that is down on the party’s current 62 seats)

Others – 29 seats

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The election campaign: MSN photo mosaic

Posted by Matt Ball, MSN UK editor-in-chief (twitter.com/thisismattball)

We’ve brought together some of the best pics from this election campaign and rendered them in a Silverlight deep zoom mosaic.

Take a look at it now on the MSN News channel.

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