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Nicole Collarbone never thought she would be a single mother, but as she neared her 40th birthday, she knew she no longer wanted to wait to meet a partner to have a baby.

She decided to have IVF with a sperm donor, but with the steep price of fertility treatment, and no one to share the costs with, Nicole hoped she could get at least part of it on the NHS.

But she was told that because she was single, she didn’t qualify for any fertility treatment on the health service.

“I was gutted,” she said. “It was just such a definitive no. And I had expected maybe something, you know, that we’d explore it a little bit more. There’d be more explanation around the funding, but it was just a no.”

Nicole borrowed money from her family and is now pregnant with her first child.

“I was so dependent on them being able to contribute that if they couldn’t, then I wouldn’t have been able to go down this route.”

Nicole
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Nicole Collarbone

She is among a rising number of single women choosing solo motherhood, with a 44% increase in women with no partner doing IVF between 2019 and 2021 according to the Human Fertilisation and Embryology Authority.

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But those who cannot afford private treatment have to tackle barriers in the health service which, according to one legal expert, discriminate against them.

Over half of NHS England integrated care boards, which decide on who can get fertility treatment locally, don’t include single women in IVF policies at all.

The rest require them to spend thousands of pounds to prove infertility, by paying privately for between three and 12 cycles of artificial insemination.

It is a less invasive fertility treatment that is about a third as effective as IVF, where a cycle costs between £700 and £1,600.

If that fails, a single woman can be considered for IVF on the NHS.

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Has anything changed for single women?

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In comparison, heterosexual couples are asked if they have been trying to conceive for two years.

Female same sex couples also have to prove infertility, but the government has committed to fund artificial insemination for them as part of the Women’s Health Strategy, created in part to level up access to IVF.

There’s no such commitment for single women though, who will still have to pay, creating an unlevel playing field according Atina Krajewska, professor in human rights law at Birmingham University.

“In my view, single women should be treated similarly to same sex couples, because inevitably they are in a similar situation when it comes to their ability to conceive,” she said.

“I would see this as a discriminatory treatment based on international human rights provisions.

“Those who can afford private treatment will be affected, but not to the same extent, eventually they might just decide that they want to self-fund the treatment and then try to get access to IVF.

“For women who are from more economically disadvantaged backgrounds, this is impossible. It’s a question of equity.”

Georgie
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Georgie

For Georgie, the issue wasn’t just the cost, but also the time it would take to do six rounds of artificial insemination in order to qualify for just one round of IVF on the NHS in her area.

She was 38 when she decided to try for a baby alone, so she spent much of her savings to go straight to the most effective treatment.

“It is quite daunting in many ways to find out how much I ended up spending but in total with six rounds of IVF I spent in the region of £40,000.

“If you’d told me that at the start, I mean who knows what I would have actually said, but I think there’s a big part of me that would have said that there’s no way I can find that sort of money. I don’t see how I can start this journey.”

Her treatment worked and she recently gave birth to a daughter, though the spiralling cost nearly made her give up.

She considered adoption but her desire to carry and give birth to a baby was overwhelming.

Campaigners acknowledge that NHS finances are under pressure, but say single women are a fraction of those doing IVF, totalling just over 2,800 in 2021 according to the Human Fertilisation and Embryology Authority, so funding them wouldn’t break the bank.

“Single women who want to become parents and haven’t got any other options but to seek help from fertility services, are as deserving of help as anybody else,” said Dr Catherine Hill, CEO of Fertility Network UK.

“If you’re funding six or 12 cycles (of artificial insemination) you’re talking about thousands and thousands of pounds.

“And that’s just financially crippling, it’s a massive financial hurdle. That means it’s practically impossible for most single women to access NHS fertility treatment.”

In exceptional cases the NHS can refer single women to IVF without artificial insemination.

Jennifer
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Jennifer Lon-Ho-Kee

This is what happened to Jennifer Lon-Ho-Kee, after a long and confusing journey navigating the system.

“From the time when I went to my GP initially, just to get some exploratory tests, it’s actually been eight years to the point of getting IVF, which is a hell of a long time. And it was like pulling teeth at every stage,” she said.

She was initially told she could not get fertility treatment because she was single, but when she asked again a few years later she was put on the waiting list.

Because of delays to appointments, she was nearing the age cut-off for fertility treatment in her area and was given IVF just days before breaching it.

The round did not result in a pregnancy, and Jennifer is now spending thousands on fertility treatment abroad.

The financial strain for single women should not be harder than for couples, according to Mel Johnson, a solo motherhood coach.

“Some people spend all their savings, even go into debt to pay for the treatment, which makes the starting point of becoming a parent challenging from a financial point of view,” she said.

“For me the main thing is it will be equitable with everybody else.”

The government told Sky News that local health services in England follow guidelines from the National Institute for Health and Care Excellence (NICE), and a review of those guidelines is expected to be published in 2024.

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Ellis Cox: Mother appeals to catch son’s killer on birthday anniversary

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Ellis Cox: Mother appeals to catch son's killer on birthday anniversary

Fresh appeals have been made for information on what would have been the 20th birthday of Ellis Cox, who was shot dead in Liverpool last June.

A number of people have been arrested in connection with the murder at Liver Industrial Estate, but no one has been charged yet.

The 19-year-old’s family and police have paid tribute to him and called for those with information to come forward.

He was shot in the back after a confrontation between his friends and another group of up to three males on Sunday 23 June.

Pic: Merseyside Police
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Ellis Cox who was shot dead in June 2024. Pic: Merseyside Police

His mother Carolyn paid tribute in an appeal to coincide with what would have been his 20th birthday.

“He was so kind… so laid back, so calm, so mature for his age. And he was just funny. Very funny.

“He was my baby… no mum should have to bury a child. He was my life. And I don’t know what to do without him.”

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Mother of Ellis Cox, Carolyn Cox (blonde hair) and his aunt Julie O'Toole speaking on what would have been Ellis' 20th birthday. He was shot on 23/06/2024 at Liver Industrial Estate
INGEST 28 NM20 GRANADA ELLIS COX FAMILY INTERVIEW POOL EMBARGOED UNTIL 0001 18 JAN 2025
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Mum Carolyn Cox (left) and aunt Julie O’Toole (right) are looking for answers

Pic: Merseyside Police
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Ellis’ mum described him as ‘kind” and “funny. Pic: Merseyside Police

Meanwhile, his aunt Julie O’Toole said he was “the sort of person I think you’d be hard pressed to find anyone to say anything negative about. He was loyal, fiercely loyal… everything was about his family”.

To pay tribute to Ellis, Liverpool City Council will be lighting up the Cunard Building and Liverpool Town Hall in orange on Saturday.

Detective Chief Inspector Steve McGrath, the Senior Investigating Officer, speaking about fatal shooting of Ellis Cox on 23/06/2024 at Liver Industrial Estate
INGEST 28 NM20 GRANADA ELLIS COX FAMILY INTERVIEW POOL EMBARGOED UNTIL 0001 18 JAN 2025
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DCI Steve McGrath does not believe Ellis was involved in criminality

Detective Chief Inspector Steve McGrath, the senior investigating officer, spoke about the information gathered so far, six months on from Mr Cox’s murder.

“I’m satisfied that the group that he was with was probably the target… and I would say that’s got something in relation to do with localised drug dealing in that area. But Ellis had no involvement in that whatsoever,” he said.

He added that police are looking for “really significant pieces of evidence now”, including “trying to recover the firearm that was used in relation to this, looking to recover the bikes that were used by the offenders”.

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Mrs Cox also appealed for people to come forward with information.

“If you know anything, don’t let us get to [his] next birthday and still know nothing.

“We need to get justice for Ellis. And we need to get the people who took him from us off the streets.”

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Manchester United legend Denis Law dies aged 84

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Manchester United legend Denis Law dies aged 84

Former Manchester United and Scotland footballer Denis Law has died, at the age of 84.

In a statement, his family said: “It is with a heavy heart that we tell you our father Denis Law has sadly passed away. He fought a tough battle, but finally, he is now at peace.

“We would like to thank everyone who contributed to his wellbeing and care, past and much more recently.

“We know how much people supported and loved him and that love was always appreciated and made the difference.”

Denis Law in 2005. Pic: PA
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Denis Law in 2005. Pic: PA

The Aberdeen-born footballer previously announced in August 2021 that he had been diagnosed with dementia.

A prolific striker, Law scored 237 goals in 404 appearances for Manchester United, for whom he signed for a then-British record transfer fee in 1962.

He is the only man to have two statues dedicated to him at Old Trafford – one on the Stretford End concourse, the other as part of the United Trinity statue overlooking the stadium’s forecourt beside fellow great George Best and Sir Bobby Charlton.

Denis Law, third from left, as a statue featuring him alongside Sir Bobby Charlton and George Best - known as the 'holy trinity' was unveiled in 2008.
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Denis Law, third from left, as a statue featuring him alongside Sir Bobby Charlton and George Best – known as the ‘holy trinity’ – was unveiled in 2008. Pic: AP

The only Scottish player to have won the Ballon d’Or award, in 1964, he was also part of United’s triumphant campaign in the 1968 European Cup – in which they became the first English club to ever win the competition.

In a statement, the club said: “Everyone at Manchester United is mourning the loss of Denis Law, the King of the Stretford End, who has passed away, aged 84.

“He will always be celebrated as one of the club’s greatest and most beloved players.

Denis Law, centre, during Manchester United's triumphant European Cup campaign in 1968. Pic: AP
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Denis Law, centre, during Manchester United’s triumphant European Cup campaign in 1968. Pic: AP

“The ultimate goalscorer, his flair, spirit and love for the game made him the hero of a generation. Our deepest condolences go out to Denis’s family and many friends. His memory will live on forever more.”

Wayne Rooney, former United captain and the club’s all-time record goalscorer, described Law as a “legend”.

“Thoughts with all Denis’s family and friends,” he said in an online post.

Another former United captain, Gary Neville, said: “A great footballer and a great man. It’s a privilege and an honour to have spent time in your company. The King of the Stretford End.”

A tribute from the Scotland national team said Law was “a true great”.

“We will not see his likes again,” it said.

Law also played for Huddersfield Town, Manchester City, and Italian club Torino during his club career, and made 55 appearances for Scotland, scoring 30 goals for his country.

Manchester City said in a post on X: “The whole of Manchester, including everyone at City, is mourning with you. Rest in peace, Denis.”

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FTSE 100 closes at record high

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FTSE 100 closes at record high

The UK’s benchmark stock index has reached another record high.

The FTSE 100 index of most valuable companies on the London Stock Exchange closed at 8,505.69, breaking the record set last May.

It had already broken its intraday high at 8532.58 on Friday afternoon, meaning it reached a high not seen before during trading hours.

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The weakened pound has boosted many of the 100 companies forming the top-flight index.

Why is this happening?

Most are not based in the UK, so a less valuable pound means their sterling-priced shares are cheaper to buy for people using other currencies, typically US dollars.

This makes the shares better value, prompting more to be bought. This greater demand has brought up the prices and the FTSE 100.

The pound has been hovering below $1.22 for much of Friday. It’s steadily fallen from being worth $1.34 in late September.

Also spurring the new record are market expectations for more interest rate cuts in 2025, something which would make borrowing cheaper and likely kickstart spending.

What is the FTSE 100?

The index is made up of many mining and international oil and gas companies, as well as household name UK banks and supermarkets.

Familiar to a UK audience are lenders such as Barclays, Natwest, HSBC and Lloyds and supermarket chains Tesco, Marks & Spencer and Sainsbury’s.

Other well-known names include Rolls-Royce, Unilever, easyJet, BT Group and Next.

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FTSE stands for Financial Times Stock Exchange.

If a company’s share price drops significantly it can slip outside of the FTSE 100 and into the larger and more UK-based FTSE 250 index.

The inverse works for the FTSE 250 companies, the 101st to 250th most valuable firms on the London Stock Exchange. If their share price rises significantly they could move into the FTSE 100.

A good close for markets

It’s a good end of the week for markets, entirely reversing the rise in borrowing costs that plagued Chancellor Rachel Reeves for the past ten days.

Fears of long-lasting high borrowing costs drove speculation she would have to cut spending to meet self-imposed fiscal rules to balance the budget and bring down debt by 2030.

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They Treasury tries to calm market nerves late last week

Long-term government borrowing had reached a high not seen since 1998 while the benchmark 10-year cost of government borrowing, as measured by 10-year gilt yields, was at levels last seen around the 2008 financial crisis.

The gilt yield is effectively the interest rate investors demand to lend money to the UK government.

Only the pound has yet to recover the losses incurred during the market turbulence. Without that dropped price, however, the FTSE 100 record may not have happened.

Also acting to reduce sterling value is the chance of more interest rates. Currencies tend to weaken when interest rates are cut.

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