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Generate an appropriate single-sentence summary for the given text such that it includes the main topic of the text.
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Stephen Frith, 58, was found at the property in Tarring Road, West Worthing, on 27 October. Four people were arrested on suspicion of murder and have been released under investigation. Crimestoppers' director of operations Roger Critchell said: "His family deserve answers." Sussex Police said Mr Frith had sustained serious injuries consistent with a physical assault and have renewed their appeal for information about his death. 'Hearts broken' Mr Critchell said: "It has been nine months since Stephen's body was discovered and his family deserve answers as to what happened to him. "They have described him as someone with a big heart, but it's their hearts that have been broken after he was taken away from them. "We are appealing for your help. Our charity takes information 100% anonymously, always." Three men aged 40, 38 and 20 and a 22-year-old woman, all from Worthing, were arrested and released in connection with the death.
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A £10,000 reward has been offered for information about the death of a "big-hearted" man whose body was discovered in his flat last year.


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By Ian PollockPersonal finance reporter, BBC News So far the government has been having private negotiations with trade union leaders about its general plans but has not publicised some of the most important facts. But it is these details which are vitally important to understanding how much worse off public servants might be under the suggested new arrangements. The first point to grasp is that the government wants to change the current pension schemes in line with the recent suggestions of Lord Hutton. That would mean many employees being evicted from their existing schemes (mainly final-salary-related) into career-average ones, which should be less generous. They would also have to pay higher employee contributions. The NHS, local government, civil service and teachers' schemes would also have later retirement ages of 65 (rising later to 66 or even more in line with the state pension) whereas many staff are still currently able to bail out at 60 on a full pension. On the face of it, public servants are being invited to work longer, pay more but receive less. Accrual rate Actually, the government says its plans amount to working longer, paying more, but getting more or less the same as now. How can that be? After all, career-average schemes appear designed precisely to produce lower pensions than their final-salary counterparts. The first thing to note is that how much a career-average scheme pays out depends partly on just how fast pension builds up - the so-called accrual rate. It could be 1% of salary a year, or 2%, or almost any other figure. But the larger the number, the faster pension builds up, and thus contributions rates for both staff and employers have to be higher. For instance, the current civil service Nuvos scheme, open to new entrants to the civil service since July 2007, has a generous accrual rate of 2.3%. So someone who worked for 40 years before normal retirement, and whose salary never rose in that time, would accrue a pension worth 92% of their salary. Inflation-proofing It has been suggested that the government wants its new career-average schemes to have a much slower rate of accrual, possibly as low as 1% a year. That is partly to offset the cost of one of Lord Hutton's other key recommendations. He recommended that when staff in these schemes are building up pension, their accumulating pensions should be revalued each year in line with average earnings to protect them against inflation. It is argued by economists that in the long term, earnings rise faster than prices, so this would be a very advantageous feature. By contrast, annual revaluation in the Nuvos scheme is merely in line with the consumer prices index (CPI). "If you have the same accrual rate but revalue accrued pensions in line with earnings, rather than prices, most people would be no worse off under a career-average scheme than they would be in their old final-salary one," said John Wright, an actuary with Hymans Robertson. Final-salary link This is not the only apparently generous detail among Lord Hutton's recommendations. He also said - and the government has agreed - that when staff leave their final-salary scheme for a career-average version, they should still continue to build up pension in their old scheme, even though they are no longer paying in any money. That is because Lord Hutton said that the eventual payout from the final-salary schemes should still continue to be related to that member's final salary on their eventual retirement. Normally, people leaving pension schemes, but not actually retiring, become deferred (in the jargon of the pension industry). This means their accumulated pension to date is calculated at the point of deferral. It is then uprated each year in line with inflation until they do retire, but crucially is no longer linked to their salary. So Lord Hutton's suggestion for the design of his huge change to the public-sector pensions - that deferred pensions should in fact retain a link to final salary - incorporates another unusual extra cost for the government to digest. Government contribution It is only when current scheme members and their trade union negotiators see the fine details of the government's proposed new pension plans that they will be able to see what they are getting for their higher contributions. They will need to examine not only the suggested accrual rates and the method of inflation-proofing during accrual, but also the level of inflation-proofing for pensions in payment, as well as the retirement age and early-retirement penalties. Vitally, they will also need to see just how much the government plans to pay in as well. All these figures will need to be published, and understood, before anyone can decide just how fair, or unfair, the government's intentions are.
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One thing absent from the debate about public-sector pensions is just what, in detail, the government is planning to do.


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The Office for National Statistics said borrowing hit £31.6bn last month, the highest November figure on record. It was also the third-highest figure in any month since records began in 1993. The figures highlight the government's spending-revenue gap, and underline Chancellor Rishi Sunak's problems as he weighs up bolstering Treasury coffers. Since the beginning of the financial year in April, borrowing has reached £240.9bn, £188.6bn more than a year ago, the ONS said. A Budget had been expected to take place in autumn this year, but it was delayed because of the pandemic and will now take place on 3 March 2021. The independent Office for Budget Responsibility (OBR) has estimated that borrowing could reach £372.2bn by the end of the financial year in March. However, Mr Sunak made clear on Tuesday that he would not be taking any hasty action. "When our economy recovers, it's right that we take the necessary steps to put the public finances on a more sustainable footing so we are able to respond to future crises in the way we have done this year," he said. Mr Sunak has already imposed a pay freeze on at least 1.3 million public sector workers as part of efforts to contain government spending. The increase in borrowing has led to a steep increase in the national debt, which now stands at just under £2.1 trillion. The UK's overall debt has now reached 99.5% of gross domestic product (GDP) - a level not seen since the early 1960s. Where does the government borrow? The government borrows in the financial markets, by selling bonds. A bond is a promise to make payments to whoever holds it on certain dates. There is a large payment on the final date - in effect, the repayment. The buyers of these bonds, or "gilts", are mainly financial institutions, like pension funds, investment funds, banks and insurance companies. Private savers also buy some. You can read more here about how countries borrow money. "We are looking at the highest peacetime deficit and if we look at where the country's debt is, then we are at the highest levels since the 1960s," said Sarah Hewin, chief economist at Standard Chartered. "In November alone, borrowing was about six times what it was in November last year, so these are some absolutely record numbers that we are seeing. "Also, of course, the furlough scheme has been extended, so that will increase government spending. We could well see the deficit for the financial year all the way up to 20% of GDP, so around £400bn." Separately, the ONS has also revised its figures for the UK's economic growth this year. The economy shrank a little less in the April-to-June period than previously indicated, by 18.8% instead of 19.8%. And the rebound from July to September was a little bigger, with growth of 16% instead of 15.5%. Ruth Gregory, senior UK economist at Capital Economics, said a double-dip recession was a clear possibility if the tier four Covid-19 restrictions were extended into 2021. However, she said there was optimism that as long as vaccines were effective and widespread, GDP would "stage a strong rebound" in the second half of next year. Double-dip recession? The extraordinary pandemic shutdown borrowing numbers had begun to recover. But last month, as some restrictions were reapplied across the UK, the government borrowed £31.6bn, the third-highest month on record. This was £26bn higher than last November, driven mainly by a £23bn increase in government spending on a year ago, including the reapplication of the full jobs wage subsidy furlough scheme. Borrowing so far this financial year since April is already at a record £240bn and set to hit about £400bn over the full year. Growth in the economy in the third quarter was a little higher than first calculated, at a record 16%, but that now is firmly old news. The likely spread of new restrictions on retail and hospitality and multiple forms of chaos at ports mean forecasters fear the UK may already be back in a double-dip recession.
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Government borrowing soared in November as the UK continued to support the economy during the coronavirus pandemic.


