Kemi Badenoch strode onto the conference stage to deliver a speech focused on how her party would cut national spending and painstakingly rebuild the economy after the “doom loop” of a Labour government.

The headline moment was a pricey home-owning rabbit pulled out of the hat, a pledge to scrap stamp duty in a paean to the Conservative dream of property ownership: a promise delivered to delighted applause.

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The party claims the cost of abolishing tax duty on people’s primary residences would be around £9 billion – a considerable chunk of the £23 billion in cuts the party are pledging to find from the welfare budget.

It’s a clear statement of Conservative intent, delivered with a new-found confidence from a woman who has faced months of speculation about her leadership.

Unlike many of her previous speeches, this one didn’t dwell on the previous government’s mistakes.

Indeed, she said she wanted to celebrate the “great things” her party had done in 14 years in power – delivering Brexit, supporting Ukraine, and halving the deficit from 2010 to 2020.

The economic record of the past four years of Conservative government was unsurprisingly left unsaid. But the subtext has been clear throughout conference – a drive to rebuild the party’s reputation for economic competence following the economic disaster of Liz Truss’s mini-budget three years ago.

Now we’re told “only the Conservatives” can be trusted with the economy and border security, with Badenoch highlighting her “golden rule” of government spending aimed at reducing the deficit, reiterating the shadow chancellor’s promises to slash government spending by £47bn.

Unlike Sir Keir Starmer and Sir Ed Davey, Badenoch chose not to focus her attacks on Reform UK – conscious that many of her supporters are drawn to Nigel Farage’s ideas.

She doesn’t want to risk alienating them even further- particularly after a conference where we’ve seen a steady stream of local councillors announcing their defection from the Tories to Reform.

There were a few gentle jokes at their expense, highlighting Reform’s pledges to both slash taxes and expand public spending.

She claimed Farage is planning a free beer giveaway – and “shaking the same magic money tree” as Labour and the Lib Dems. But she didn’t repeat the “socialist” attack line we’ve heard from other Tories on Reform this conference.

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The driving force of this speech was an attack on the government, and a pledge to “clear up the mess left by Labour” – on the economy, on border security, and on sleaze.

Her Churchillian claim that “never in the field of human history have so many been let down by so few” earned her loud guffaws from the hall – followed by a roll-call of scandal-hit Labour figures – from former British Ambassador to the US Peter Mandelson to recently resigned deputy prime minister Angela Rayner.

The hall was full – and the party faithful keen to applaud.

They enjoyed Badenoch highlighting the challenge faced by the Tories in drawing a rather melodramatic equivalence with the fight against fascism in the Second World War, and the battle to “banish socialism and deliver prosperity” in the 1980s – evoking both Sir Winston Churchill and her political hero Margaret Thatcher.

They loved her declaration of undying love for the Conservative party, who she described as her family – “in many ways quite literally”, given that she married the deputy chairman of her local Conservative association.

Badenoch doesn’t enjoy the level of devotion we’ve seen for her defeated leadership rival Robert Jenrick, who earned rapturous applause for his speech attacking activist judges on Tuesday – and polling shows he’s much more popular with the party membership.

But CCHQ will undoubtedly be relieved to have avoided the kind of outright rebellion we saw from Andy Burnham at Labour’s conference last week.

And given the delighted response from her headline announcement in the hall today – it looks like Badenoch has done enough to hold off her critics – at least for the time being.

Suspected online hate crimes referred to police have quadrupled already this season in English football, Sky News can reveal.

And we have learned that the football policing unit has urged the government to form a new unit to address racism in the sport.

We have also uncovered new details about the police investigation into the hate received by England star Jess Carter, who revealed to me after the Euros final win that the abuse nearly forced her to stop playing at the tournament.

But the scale of racism facing footballers is highlighted by the abuse received by Kira Rai – a British Sikh Punjabi – after signing for Peterborough United last month.

They play in the fourth tier, far from the spotlight of the Women’s Super League, but that does not limit the venom targeted at Rai on social media.

She told Sky News: “There were some racial slurs about my heritage, where I come from, that I don’t belong in this country, that I should go back to X country and just sorts of things along those lines.

“I think that’s probably quite difficult to read about yourself at the end of the day.

“It should be a moment for me to celebrate, I’ve just joined a new club.”

What an impact she has made at her new club, scoring an incredible five-minute hat-trick in the FA Cup on Sunday on her home debut.

But the joy is tinged with sadness when we meet the next day.

‘A reflection of society’

“I’ve been in football since I was six, so for people to question whether I belong in football purely based on the colour of my skin, I think is something that’s really difficult to get your head round,” she said.

“It’s probably a reflection of what’s going on in society right now and how prevalent racism has become, and I think football is quite clearly a reflection on society.

“In society, over the last weeks, months, I think there’s almost an underlying tension that’s perhaps not been there in recent years.”

‘Depressing’ rise in racism

The is felt by the police unit that has overseen football issues for the last two decades, with racism in stadiums and online rising.

Social media is a growing concern, with 170 referrals already this season of online racism compared to 54 in the first three months of the 2022-23 season and 41 in 2023-24.

“We’re seeing more reports, which is depressing,” Chief Constable Mark Roberts said in an exclusive interview.

“I think we’re also seeing that the number of those reports that actually meet the criminal threshold has increased.”

It’s up to 154 already this season.

Incidents ‘creeping back’ into stadiums

“There’s an awful lot in the political sphere that people are saying that probably a few years ago just wouldn’t have been thought of, so I think it taps into that broader societal piece which makes it challenging,” the National Police Chiefs Council’s football lead added.

“Sadly that seems to have gone backwards a bit. The lower league grounds now, we are seeing incidents creep back into the games which obviously we’ve got to be really keen to clamp down on and make sure that people face consequences.

“Now whether that’s been driven by people being able to say things or feel that they can say things online and that’s now leaking into the actual stadiums, there is a definite trend to see more of it.”

One of the unit’s most high-profile investigations has been into the racism that led Carter to speaking out during England’s run to Euro 2025 and stepping away for a time from social media.

While two arrests have been announced, Sky News can reveal a third person has been arrested. A fourth suspect has also been identified, and six people overseas are under suspicion.

Carter previously told Sky News: “I wasn’t sure I was going to be able to come back on the pitch and be me.”

No one has been charged.

‘Slippage’ with Musk’s X

Three cases are pending with Elon Musk’s X.

And whether it’s X or Meta-owned Instagram, there is no agreement on the “grossly offensive legal threshold” with policies more tolerable than British law.

Mr Roberts said: “There has been some slippage recently with X that we’re working with them to try to get back to those standards. And I think one of the factual issues we sometimes struggle with is our perception of what is clearly a criminal offence.

“They can sometimes suggest that it doesn’t meet the threshold for their community guidelines, which I find difficult to reconcile really because surely if it meets the criminal prosecution threshold, surely it should breach [their guidelines], and we sometimes have a wrangle about securing information from them.”

A challenge is dealing with international police forces with two-thirds of referrals of racism generated overseas – beyond the jurisdiction of the football policing unit.

While not naming particular countries, Mr Roberts said abuse posted from Eastern Europe and Asia is the main problem.

“The level of interest from some countries varies,” he said. “Some just aren’t interested. We won’t get a response. Others will try and take positive action.”

The approach of English football can seem somewhat disjointed if different campaigns and anti-racism investigations run by different parts of the game.

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For Mr Roberts, that could ideally be enhanced.

“I would like a joint function to tackle online hate with ourselves, the football bodies, Kick It Out and others, ideally supported by government, so that we can do it in a really coherent, joined-up way,” he said in our interview at Cheshire Police HQ.

“I think that would make a massive difference, whether it’s education, whether in-stadium hate, whether it’s online hate.

“The way we’re going to tackle this most effectively is by doing it in a joined-up way where we’re mutually supportive. So I think that’s something we’d be keen to pursue.”

So would those who have been the target of abuse just for doing what they love – playing football.

‘No one wants to talk about this’

Kira Rai, a role model for British South Asians in football, said: “Perhaps there needs to be an overhaul, everyone needs to come together and actually deal with these uncomfortable conversations because they’re not necessarily fun conversations that we have.

“No one really wants to talk about this, and I can understand why. For real change, for genuine change to actually occur, you have to have these difficult conversations.

“You have to listen to player stories, to fan stories, to anyone’s stories in football, in society, to actually get to the bottom of it.”

And as some players showed last weekend in the Women’s Super League, change doesn’t come by taking a knee, but taking a stand.

Up to 14.2 million people could each receive an average of £700 in compensation due to car loan mis-selling, the financial services regulator has said.

Nearly half (44%) of all car loan agreements made between April 2007 and November 2024 could be eligible for payouts, the Financial Conduct Authority (FCA) said.

Those eligible for the compensation will have had a loan where the broker received commission from a lender.

Lenders broke the law by not sharing this fact with consumers, the FCA said, and customers lost out on better deals and sometimes paid more.

A scheme is seen by the FCA as the best outcome for consumers and lenders, as it avoids the courts and the Financial Ombudsman Service, therefore minimising delay, uncertainty and administration costs.

The scheme will be funded by the dozens of lenders involved in the loans, and cost about £8.2bn, on the lower end of expectations, which had been expected to reach as much as £18bn.

The figure was reached by estimating that 85% of eligible applicants will take part in the scheme.

What if you think you’re eligible?

Anyone who believes they have been impacted should contact their lender and has a year to do so. Compensation will begin to be paid in 2026, with an exact timeline yet to be worked out.

The FCA said it would move “as quickly as we can”.

People who have already complained do not need to take action. Complaints about approximately four million loan agreements have already been received.

There’s no need to contact a solicitor or claims management firm, the FCA said, as it aimed for the scheme to be as easy as possible.

A lender won’t have to pay, however, if it can prove the customer could not have got cover anywhere else.

The number of people who will get a payout is not known. While there are 14.2 million agreements identified by the FCA, the same person may have taken out more than one loan over the 17-year period.

More expensive car loans?

Despite the fact many lenders have to contribute to redress, the FCA said the market will continue to function and pointed out the sector has grown in recent years and months.

In delivering compensation quickly, the FCA said it “can ensure that some of the trust and confidence in the market can be repaired”.

It could not, however, rule out that the scheme could mean fewer offers and more expensive car loans, but failure to introduce a scheme would have been worse.

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The FCA said: “We cannot rule out some modest impacts on product availability and prices, we estimate the cost of dealing with complaints would be several billion pounds higher in the absence of a redress scheme.

“In that scenario, impacts on access to motor finance and prices for consumers could be significantly higher with uncertainty continuing for many more years.”