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Morning news and current affairs with John Humphrys and Justin Webb, including:

0749
The banking commission report published today suggests a new criminal offence of reckless misconduct in managing a bank - punishable with a prison term. Andrew Tyrie, the man who chaired the commission, and Lord Myners, the former Labour city minister, discuss whether the problem can be avoided in the future.

0810
Health bosses in charge of Morecambe Bay NHS Trust, where babies died through neglect, have been accused of a cover-up of their failures after a Care Quality Commission (CQC) inspection gave the all-clear in 2010. James Titcombe, whose son Joshua died at Furness General Hospital in Morecambe Bay, and David Prior, chair of the CQC, discuss where the failures occurred and the action that needs to be taken.