An alternative approach is to ensure that everyone who is eligible, based on their needs, should get state-funded personal care that is free at the point of use.

This would be provided free regardless of an individual’s means and whether it was received by an elderly person in their own house or a residential care home.

Scotland has implemented such a system.

However, it’s important to note that personal care takes in things like helping frail elderly people wash and dress and go to the toilet.

But it does not include accommodation, food and everyday living costs which are subject to means testing.

The Health Foundation think tank estimates that implementing a Scottish-style system in England would cost £7.5bn a year by 2036.

Like Scotland, Japan and Germany have systems which base entitlement to personal social care mainly on people’s care needs rather than their ability to pay.

Japan and Germany though have a mandatory long-term care insurance system which is funded through contributions from workers and employers.

Both countries also do not usually cover the full cost of personal care so individuals are responsible for some of the expenses.

Ofgem has proposed new measures which could see developers of data centres made to pay hundreds of millions of pounds up front.

The British energy regulator said a refundable fee should be charged for projects that want to connect to the network, amid mounting demand for connections to the electricity grid.

It is proposing developers pay a deposit between £237,500 to £712,500 per megawatt – meaning data centres seeking 1 gigawatt (GW) of power would have to pay hundreds of millions up front, paid back if the project was completed.

The proposal follows growing opposition in parts of the country to plans for new data centres, which are needed to power the artificial intelligence boom.

Data centres are large buildings which house computer servers used to store and process data and run the digital services which power the internet.

Ofgem has started a consultation on its proposals, which will run until 16 September.

It said the amount of electricity capacity being requested by projects seeking to connect to the grid had risen from 41 GW to 125 GW in the past year, reflecting a sharp increase in demand.

This is significantly more than double 2025’s peak electricity demand in Britain of around 46 GW.

The regulator said the projects would have to hit key milestones to keep their place in the grid connection queue, which has seen a surge in demand.

An increasing number of centres have been built around the world in recent years to provide the computing power needed to train and run AI systems.

But they are controversial, especially for people who live near them.

Residents have raised concerns about noise, electricity demand and the large amounts of water sometimes used to cool the high-performance chips that generate vast amounts of heat.

Copyright ©2026 Dow Jones & Company, Inc. All Rights Reserved. 87990cbe856818d5eddac44c7b1cdeb8

Copyright ©2026 Dow Jones & Company, Inc. All Rights Reserved. 87990cbe856818d5eddac44c7b1cdeb8

Users of the online brokerage platform E-Trade reported widespread login and account access problems Thursday morning, with outage-tracking service Downdetector logging a sharp spike in complaints beginning around 10:33 a.m. Eastern time, in the middle of an active and volatile trading session on Wall Street.

Downdetector’s official social media account posted an alert flagging the rise in user-submitted reports shortly after the issues began, using the hashtag “#ETradeDown” to solicit further reports from affected users about how the outage was impacting them.

Frustrated customers took to social media in real time to describe their experiences trying to access the platform. One user wrote directly to E-Trade’s official account, “Hey E*Trade, your systems are down right now at 7/30/2026 at 10:34am. When is it coming back up?” Another user, describing themselves as a customer of nearly two decades, expressed frustration with the outage in a post that read, in part, “E-Trade is down… get your act together or I will leave the platform.” A separate user reported being unable to log in despite what they described as one of their best trading days, writing that the platform displayed a message indicating the website was too busy to process their request.

As of Thursday morning, E-Trade had not issued a public statement confirming a company-wide outage or explaining the specific cause of the access problems some users were experiencing. Outage-tracking services showed mixed readings on the scope of the disruption. One monitoring service reported E-Trade as operational with no significant outage detected, showing only a small number of user reports over the prior 24-hour period, while a separate outage-tracking site reported that E-Trade had been experiencing issues since approximately 10:20 a.m. Eastern time, based on a spike in user complaints that exceeded the platform’s typical baseline volume for that time of day.

The reported issues Thursday came during an active session for U.S. financial markets more broadly, with major indexes moving significantly following a wave of high-profile corporate earnings reports, including results from Microsoft and Meta Platforms released the previous afternoon. Periods of heightened market volatility and elevated trading volume have historically coincided with increased strain on online brokerage platforms’ technical infrastructure, as a larger-than-usual number of users attempt to log in, check account balances or execute trades simultaneously.

Online brokerage outages during periods of market volatility are not without recent precedent. In August 2024, several major online brokerage firms, including Charles Schwab, Fidelity and Vanguard, experienced widespread access problems for thousands of users during one of the largest stock market selloffs of that year, with user complaints on Downdetector peaking around and shortly before 10 a.m. Eastern time on that occasion as well. Charles Schwab acknowledged the issue at the time in a statement posted to social media, saying that a technical issue was preventing some clients from logging into its platforms.

E-Trade, founded as one of the earliest online discount brokerage firms in the United States, has grown over the decades into one of the most widely used platforms for individual investors and traders to buy and sell stocks, exchange-traded funds, options, mutual funds and other financial securities. The company was acquired by Morgan Stanley in 2020, integrating its retail brokerage operations into the larger financial services firm’s broader wealth management business.

Downdetector, the platform used to track and aggregate the Thursday morning complaints, monitors user-submitted reports across thousands of websites and applications rather than directly accessing the internal systems of the companies it tracks. Because the service relies on self-reported complaints rather than direct server monitoring, spikes in reported issues can sometimes reflect a genuine platform-wide outage, while other spikes may result from more localized problems affecting a subset of users, specific devices, internet service providers or regional network issues rather than a broader systemic failure affecting the entire platform.

For users experiencing difficulty accessing E-Trade during the reported disruption, common troubleshooting steps recommended for online brokerage access issues include refreshing the browser or app, clearing cached data, verifying that the device’s internet connection is functioning properly through other online services, and checking the company’s official social media channels or status pages for updates. If the underlying cause proves to be a service-side technical issue rather than a problem specific to an individual user’s device or connection, however, these troubleshooting steps are unlikely to resolve the access problems until E-Trade restores normal functionality on its end.

As of the most recent available information Thursday, E-Trade had not provided a public timeline for resolving the reported access issues, nor had the company responded publicly to the elevated volume of complaints registered through Downdetector and other outage-tracking platforms throughout the morning. Given the platform’s role in facilitating real-time trading, any extended access disruption during an active market session carries particular significance for affected users attempting to manage positions or execute trades in response to fast-moving market conditions.

Users continuing to experience problems accessing their E-Trade accounts were encouraged to monitor the company’s official channels directly for updates, rather than relying solely on third-party outage trackers, which can offer a useful gauge of the scale of user-reported complaints in near real time but cannot independently confirm the underlying cause or expected resolution timeline for a suspected service disruption.