Summary: Are watchdogs tough enough, Adrian Goldberg asks, as the Office of Fair Trading takes steps to shut Yes Loans - 7 years after the BBC first started getting complaints about the business. The OFT is "minded to revoke" the licence of the Cwmbran-based loans broker. Plus, a new report says football clubs could be open to fraud and mis-management; Adrian hears more debate on public and private cord blood banks; and why a second-class stamp could sometimes be your first-class option.