A bomb explosion in the Coptic Christian cathedral complex in the Egyptian capital Cairo has killed at least 25 people, officials say.

Dozens of others were injured in the blast in a chapel adjoining St Mark's cathedral during a Sunday service.
Many of the victims are thought to be women and children.
Egypt's Christian minority has often been targeted by Islamist militants. Christians gathered to show anger at the attack, the worst in years.
Egypt has seen a wave of attacks by militants since 2013 when the military overthrew President Mohammed Morsi, an elected leader who hailed from the Muslim Brotherhood, and launched a crackdown against Islamists.
Some of Mr Morsi's supporters blamed Christians for supporting the overthrow.
The explosion happened at about 10:00 local time (08:00 GMT). Video footage carried by regional media showed the interior of the church littered with broken and scattered furniture, along with blood and clothing on the floor.
"I found bodies, many of them women, lying on the pews. It was a horrible scene," said cathedral worker Attiya Mahrous.
"There were children. What have they done to deserve this? I wish I had died with them instead of seeing these scenes,'' another witness told the Associated Press news agency.
President Abdul Fattah al-Sisi has declared a three-day period of national mourning.
In a statement, he condemned the attack, calling for the perpetrators to be hunted down and punished.
"Vicious terrorism is being waged against the country's Copts and Muslims. Egypt will emerge stronger and more united from this situation," he said.
Coptic Christians make up about 10% of Egypt's population.
St Mark's Cathedral is the headquarters of the Coptic Orthodox church, and the home of its leader, Pope Tawadros II.
The Coptic Orthodox Church is the main Christian Church in Egypt. While most Copts live in Egypt, the Church has about a million members outside the country.
Copts believe that their Church dates back to around 50 AD, when the Apostle Mark is said to have visited Egypt. Mark is regarded as the first Pope of Alexandria - the head of their church.
This makes it one of the earliest Christian groups outside the Holy Land.
The Church separated from other Christian denominations at the Council of Chalcedon (451 AD) in a dispute over the human and divine nature of Jesus Christ.
The early Church suffered persecution under the Roman Empire, and there were intermittent persecutions after Egypt became a Muslim country. Many believe that continues to this day.
Bishop Angaelos of the UK's Coptic Orthodox Church said his prayers were with Egyptian Copts, "as well as for the broader Egyptian society that fall victim to similar inhumane attacks."
On Saturday, six policemen were killed when a bomb exploded on a main road leading to the pyramids at Giza. The explosion, at a police checkpoint, was the deadliest attack on security forces in Cairo in more than six months.
A recently formed militant group called Hasm said it had carried out that attack.
Egypt's Coptic Christian minority has long complained of discrimination in the mostly Muslim nation.
Two people were killed outside St Mark's cathedral in 2013, when people mourning the death of four Coptic Christians killed in religious violence clashed with local residents.
In February this year, a court sentenced three Christian teenagers to five years in prison for insulting Islam. The teenagers had appeared in a video, apparently mocking Muslim prayers, but claimed they had been mocking the Islamic State (IS) group following a number of beheadings.
Egypt has pursued a number of blasphemy cases since the country's 2011 uprising. Many of those cases have been against Copts.
Most of the Islamist militant attacks of recent years have been focused in the Sinai province, where an IS-linked jihadist group is active, but Cairo has also suffered a string of attacks in the past two years.


A woman and two children managed to escape from a 27th-floor flat in London after a blaze broke out.

Up to 200 people were evacuated from the block in Kensal Town after the fire took hold just before 21:30 BST.
Eight fire crews were sent to the Trellick Tower flat, in Golborne Road, which was completely ablaze.
There have been no reports of any injuries, London Fire Brigade said. The fire is thought to have been started by a discarded cigarette.
Trellick Tower is a Grade II listed building.  It was designed by the architect ErnÅ‘ Goldfinger in what became known as the brutalist style of the late 1960s and early 1970s.
It has appeared in numerous films, television programmes and pop videos.
It was also the inspiration for JG Ballard's dystopian novel High Rise and featured in the Martin's Amis book London Fields.


There is a "really strong case" for the electrification of the north Wales rail lines, Chancellor George Osborne said.

Rail electrification is already going ahead in south Wales but no decision has yet been made on the north.
The Wales Office and Welsh government are working with businesses to make the case for the investment needed for the project to get the go-ahead.
But Mr Osborne said a decision would be affected by the HS2 project and a rail hub possibly being created in Crewe.
Electrification means faster and more reliable services which help businesses and their workers who commute.
Welsh Secretary Stephen Crabb also said electrification could be a game-changer and could happen in the longer-term.
Speaking on a visit to Denbighshire, Mr Osborne said: "Lets make the decision first on HS2 because that new rail hub at Crewe will be crucial for north Wales and it's crucial for the investments we're making in the north Wales economy."


Children from seven schools in London have been rearing their own endangered fish as part of a school project.

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9 April 2012 Last updated at 10:57 BST
The children have been breeding rare 'brown trout hatchlings', and it's taken them three months.
They're doing it to get hundreds more trout back in the Wandle, a river in London.
In the past, all the trout there had died because of pollution.
Watch Joe's report as he joins them on their mission.


A football fan who ran on to the pitch and took a free-kick during a Premier League game "bent it like Beckham", according to the judge sentencing him.

Jordan Dunn, 22, of Dover, admitted invading the pitch during the West Ham-Tottenham Hotspur derby last month.
Fining Dunn Â£305 for his drunken "moment of madness", District Judge Gareth Branston said: "Regrettably it was about 30mph slower than Beckham."
Dunn told police it was his dream to "run on the pitch and kick the ball".
He apologised in court for invading the pitch.
Dunn, who has been a West Ham fan since he was a boy, denied being a hooligan or thug.
Passing sentence at Thames Magistrates' Court in east London, District Judge Gareth Branston said: "You had consumed alcohol and your stride pattern was a bit out of kilter, but to borrow a phrase you did bend it like Beckham.
The judge said the effort was "easily" saved by the West Ham goalkeeper, but referred to Christian Eriksen's subsequent free kick from the same spot, saying: "I understand that the professional footballer who followed you did not do any better."
He also said it was a "small mercy" that Dunn had "decided to remain fully clothed".
The judge decided not to impose a football banning order called for by the prosecution, saying he was taking into account Dunn's previous good character.
Dunn admitted a charge under Section 4 of the Football Offences Act 1991, which says it is an offence to go on to the playing area without lawful authority or excuse.


An Australian court has ordered internet service providers (ISPs) to hand over details of customers accused of illegally downloading a US movie.

In a landmark move, the Federal Court told six firms to divulge names and addresses of those who downloaded The Dallas Buyers Club.
The case was lodged by the US company that owns the rights to the 2013 movie.
The court said the data could only be used to secure "compensation for the infringements" of copyright.
In the case, which was heard in February, the applicants said they had identified 4,726 unique IP addresses from which their film was shared online using BitTorrent, a peer-to-peer file sharing network. They said this had been done without their permission.
Once they received the names of account holders, the company would then have to prove copyright infringement had taken place.
The judgment comes amidst a crackdown by the Australian government on internet piracy.
Australians are among the world's most regular illegal downloaders of digital content. The delay in release dates for new films and TV shows, and higher prices in Australia for digital content, have prompted many Australians to find surreptitious ways to watch new shows.
The ISPs involved in the case, including Australia's second-largest provider iiNet, said releasing customer information would be a breach of privacy and lead to what is known in the US as "speculative invoicing".
This is where account holders are threatened with court cases that could result in large damages unless smaller settlement fees are paid.
The ISPs argued also that the monetary claims which the US company, Dallas Buyers Club LLC, had against each infringer were so small "that it was plain that no such case could or would be maintained by the applicants".
But Justice Nye Perram ruled that the customer information could be released on condition it was only used to recover compensation for copyright infringement.
"I will also impose a condition on the applicants that they are to submit to me a draft of any letter they propose to send to account holders associated with the IP addresses which have been identified," he ruled.
Justice Perram said the ruling was also important for deterring illegal downloading.
"It is not beyond the realm of possibilities that damages of a sufficient size might be awarded under this provision in an appropriately serious case in a bid to deter people from the file-sharing of films," he said.
The case came to court after Dallas Buyers Club LLC contacted iiNet and other ISPs, asking them to divulge customer details without a court order. The ISPs refused.
The ISPs have yet to say if they will appeal against the court ruling.
Professor of Law at the University of Technology, Sydney, Michael Fraser said it was an important judgement for ISPs and customers.
"If this [judgement] is upheld then the days of anonymous pirating may be over," Prof Fraser told ABC TV.


Painkillers containing codeine will require a prescription in Australia from 2018 amid concerns over misuse.

Under current laws, codeine can be obtained in compound form in over-the-counter painkillers and cough medicines.
But Australia's drug regulator believes the risk of addiction is too great.
The decision brings Australia into line with most developed countries in requiring a prescription for the opioid-based medication.
The US, most of Europe, Hong Kong and Japan have stopped the sale of over-the-counter codeine products.
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Australia's Therapeutic Drugs Administration (TGA) said consumers often became addicted to the drug.
"Misuse of over-the-counter codeine products contributes to severe health outcomes including liver damage, stomach ulceration, respiratory depression and death," it said in a statement.
The new rules will begin on 1 February 2018.
The TGA recommended patients discuss new treatment plans with their doctors, including whether to use painkilling alternatives such as paracetamol or ibuprofen.


Ethiopia's Olympic marathon silver medallist Feyisa Lilesa crossed his hands above his head as he finished the race in Rio - bringing the world's attention to a wave of protests in his home country.

It is an anti-government gesture used by protesters in the Oromia region.
Ethiopia's government normally keeps a tight grip on the country and there has not been anything on this scale in the last 25 years.
There has not been a specific trigger and what we are seeing is an accumulation of years of frustration from ethnic groups who say they have been marginalised by the government.
Demonstrations began in Oromia last November. Protests have also sprung up more recently in the Amhara region.
Oromia and Amhara are the homelands of the country's two biggest ethnic groups.
New York-based Human Rights Watch says that more than 400 people have been killed in clashes with the security forces in Oromia, although the government disputes this figure.
The Oromos, who make up around a third of the population, have long complained that they have been excluded from the country's political process and the economic development which has seen the capital, Addis Ababa, transformed in recent years.
The protests were initially over a plan to expand the boundaries of Addis Ababa into the Oromia region.
That plan was dropped, but the demonstrations exposed some underlying issues and protests continued with the latest round taking place on Saturday in many places in Oromia and the capital, Addis Ababa.
At the root of the recent demonstrations in Amhara is a request by representatives from the Welkait Amhara Identity Committee that their land, which is currently administered by the Tigray regional state, be moved into the neighbouring Amhara region.
The Welkait committee says community members identify themselves as ethnic Amharas and say they no longer want to be ruled by Tigrayans.
Amharas used to form the country's elite and the language, Amharic, remains the most widely spoken in the country.
Source: CIA World Factbook estimates from 2007
Observers say that Ethiopia's governing coalition is dominated by the party from the small Tigray region (TPLF), that led the guerrilla war against the military regime of Colonel Mengistu Haile Mariam. Some see both sets of protests as a way of criticising the country's government.
There is no formal connection between the Amhara and Oromia demonstrations but at a recent protest in Gondar, banners could be seen expressing solidarity with people from the Oromia region.
Oromo activists referred to the demonstrations in Amhara in their Facebook post calling for protests on the first weekend in August - when Amnesty International said that more than 100 people died - but highlighted the fact that they thought the protesters there had been treated more leniently.
The central government, a close ally of the West, is in a very powerful position and has total control over the security forces.
There is not a single opposition member in parliament, so it faces no real political threat.
But its reaction to a big protest at the beginning of August suggests that it is worried:  It shut down the internet across the country for two days, fearing that was how the demonstrations were being organised.
There is only one, state-controlled internet service provider so this was fairly straightforward.
Prime Minister Hailemariam Desalegn then issued a veiled threat to protesters saying that the government was obliged to ensure the rule of law. But he did not specify what that meant in practice.
He also appeared to be concerned that the country was sliding into ethnic conflict, which could become difficult to contain.


Trabzonspor fans have been protesting in support of a player who was sent off for showing a red card to a referee.

Salih Dursun held up a red card to referee Deniz Bitnel to become the fourth Trabzonspor player to be sent off in a 2-1 defeat at Galatasaray.
However, he has received support for his gesture - while Bitnel has been criticised for his performance.
Trabzonspor have also started selling T-shirts in their official shop showing Dursun making the gesture.
There have also been reports that local officials in the Macka district of Trabzon thought about erecting a statue in honour of the player's action.
And, while some of the club's supporters held up red cards as they marched through Trabzon, supporters in the western region of Kocaeli have reportedly lodged a criminal complaint against the referee for "abuse of power" and "inciting hatred".
Tranzonspor were already down to nine men with the score at 1-1 when referee Bitnel red-carded Luis Cavanda for a foul and awarded Galatasaray a penalty.
In the ensuing remonstrations by the visitors, the red card dropped to the ground, with Dursun picking it up and waving it at the official, who in return held it up to the player as he sent him off as well.
Trabzonspor chairman Muharrem Usta said: "There are messages from all over Turkey, saying 'we are ashamed'.
"Salih Dursun showed the red card to Turkish football. This is not a symbol of rebellion. It is a symbol of rebirth."
The head of Turkey's central referees' commission, Kuddusi Muftuoglu, conceded: "We share the disappointment of Trabzonspor.
"We reward successful referees and take measures against unsuccessful ones."


Online fraud has been "overlooked" by the government, police and business, according to public spending watchdog the National Audit Office.

The growing problem needs "an urgent response" coordinated by the Home Office, NAO head Sir Amyas Morse said.
Almost two million cyber-related fraud incidents were estimated to have taken place last year, it added.
The Home Office said government, the police and industry were working together to tackle the problem.
Sir Amyas said the Home Office, while not solely responsible for tackling the issue, was the only organisation that could oversee the system and lead change.
The Home Office's Joint Fraud Taskforce, which was launched in February 2016, was a positive step "but there is still much work to be done", he said.
"At this stage it is hard to judge that the response to online fraud is proportionate, efficient or effective."
Analysis: BBC home affairs correspondent Danny Shaw
According to the Office for National Statistics, fraud is now the most commonly experienced crime in England and Wales, with most offences committed online.
But the National Audit Office says only one in every 150 police officers specialises in fraud - and it doesn't even feature in a third of the policing plans issued by local police and crime commissioners.
The NAO also criticises a Home Office taskforce set up last year to tackle online fraud, saying it's too focused on banking, lacks proper governance and hasn't established measures for its performance.
The Home Office says the taskforce is making a positive difference but it acknowledges there's more to do.
In the year to 30 September 2016, the Office for National Statistics estimated there were 1.9 million cyber-fraud incidents in England and Wales, or 16% of all estimated crime incidents.
Online fraud includes criminals accessing citizens' and businesses' bank accounts, using their credit card details, or tricking them into transferring money.
The report said: "Fraud is now the most commonly experienced crime in England and Wales, is growing rapidly and demands an urgent response.
"Yet fraud is not a strategic priority for local police forces and the response from industry is uneven."
The Home Office said that tackling online fraud "demands a collaborative and innovative response to keep pace with the emerging threat", which is why it had launched the Joint Fraud Taskforce.
Improved data-sharing between banks and law enforcement had closed thousands of accounts linked to fraud, it said, adding that it was working with Financial Fraud Action UK on its Take Five to Stop Fraud awareness campaign.
Tom Ironside of the British Retail Consortium said: "The retail industry strongly supports a much closer partnership between the government, law enforcement and industry to tackle online fraud."


Manager Neil Warnock believes the pressure will all be on promotion-chasers Brighton & Hove Albion and Reading when Cardiff City travel to them in their next two games.

Cardiff, who lie 16th in the Championship, travel to Brighton on Tuesday and Reading on Saturday.
The second-placed Seagulls will climb above leaders Newcastle United if they beat the Bluebirds.
"I don't worry about your Brightons and your Readings," said Warnock.
"And that's because we'll give them a good game - are you with me?
"The pressure's all on those teams."
Rhys Healey scored Cardiff's winner against Burton on Saturday while Brighton saw off Sheffield Wednesday 2-1 on Friday night.
Warnock says Brighton's fans will expect their team to win.
He said: "The pressure was on us on Saturday because we had to win the game.
"It will be a great crowd (at Brighton) won't it? And they'll just expect to beat us, won't they, really? As will Reading.
"And I'm usually lucky at Reading."
Tuesday's game at Brighton was rearranged after the clubs' initial attempt to play each other on 30 December was ruined by fog.


Fe gafodd y gwasanaethau brys eu galw i barc hamdden ar Ynys y Barri ar ôl i 25 o bobl fynd yn sownd ar atyniad nos Wener.

Y gred yw bod diffyg wedi bod ar atyniad y 'Snow Storm' wedi achosi i fasged a oedd yn dal y bobl stopio 10m o'r llawr.
Cafodd Gwasanaeth Tân ac Achub De Cymru eu galw i'r digwyddiad am 19:26.
Roedd yr ymdrech achub yn llwyddiannus ac fe gafodd y 25 person eu hachub yn saff a chafodd na neb ei hanafu.


Jakarta's first Christian governor has conceded defeat to a Muslim former government minister in a vote seen as a test of Indonesia's secular identity.

Basuki Tjahaja Purnama congratulated his rival after exit polls showed Anies Rasyid Baswedan clearly ahead.
Critics of Mr Purnama had accused him of blasphemy, heightening racial and religious tensions. Mr Baswedan was accused of courting hardliners.
The new mayor takes office in October. Official results come in May.
"We now will come together and forget this campaign. Jakarta is home for all of us," Mr Purnama, popularly known as Ahok, said in a nationally televised news conference.
"We understand that our supporters are disappointed. But don't dwell on it."
Mr Baswedan hinted he would try to heal divisions, saying: "We celebrate diversity... We are all ready to work together again."
Hardline Islamist groups say Mr Purnama, a Christian of Chinese descent, insulted a Koranic verse during a campaign speech and have rallied large crowds against him in recent months. He is now on trial for blasphemy, which he denies.
Correspondents say this made the election a choice between secularism and a growing hardline Islamist movement.
The run-off election between the two men came after no candidate secured more than half the votes in the first round.
Shortly after polls closed, unofficial counts by private polling companies showed Mr Baswedan had secured a strong lead, with a margin in the double digits.
Police said the election proceeded "smoothly and safely with no significant disruption". They had warned against voter intimidation.
A coalition of hardline Islamic groups supporting Mr Basedan had previously said it would send at least 100 activists to each polling station to monitor voting. But correspondents said they had a very limited presence.
Mr Purnama voted with his family in north Jakarta early on Wednesday morning and urged voters not to be afraid.
Rizieq Shihab, leader of the Islamic Defenders Front which has been leading protests against Mr Purnama, also cast his vote.
Asked by the BBC if his group was damaging Indonesia's pluralist democracy, he said: "Democracy doesn't stop someone from voting for a person from the same religion as you.... Christian vote for Christian, Muslims vote for Muslim."
The election has also seen anti-Chinese sentiment, sparking unease in a country that has seen violence against its Chinese minority in the past.
A number of Chinese Indonesians who turned up to vote told the BBC that they had not been intimidated.
"Politics is cruel. There will be threats, physically or verbally. But I still feel comfortable even though I'm of Chinese descent... So far they only scream out hatred but haven't really acted on it," one voter, Rudi Irmawan, told the BBC.
Mr Purnama was accused last year of insulting a Koranic verse during a campaign speech, which he has denied, saying his comments were aimed at politicians "incorrectly" using the Koran against him.
Hardline Islamists have cited that verse from the Koran to support an argument that Muslims should not vote for a non-Muslim leader.
If convicted, Mr Purnama faces a maximum five-year jail sentence. His trial is due to resume on Thursday.
Observers say the controversy clearly hurt Mr Purnama's chances. Once considered the clear frontrunner, he won the first round of the election in February with only 43% of the vote, while Mr Baswedan had 40%.
The Jakarta Post has described the campaign as "the dirtiest, most polarising and most divisive the nation has ever seen".
Indonesia is the world's most-populous Muslim country. About 85% of its population are Muslim, but the country officially respects six religions.


Natalie Sciver's brilliant century helped England reach the semi-finals of the Women's World Cup courtesy of a 75-run win over New Zealand.

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Sciver hit 129 off only 111 balls, adding 170 with Tammy Beaumont, who made 93, in England's 284-9 at Derby.
Alex Hartley took 3-44 and Anya Shrubsole 2-19 as New Zealand were bowled out for 209 with 20 balls left.
Australia and South Africa, both of whom won on Wednesday, also qualified for the last four.
Australia beat India by eight wickets, while England's win confirmed South Africa's progress following their eight-wicket thrashing of Sri Lanka at Taunton.
The last semi-final place will be decided by India's game against New Zealand at Derby on Saturday, when England face West Indies at Bristol.
Victory was England's fifth in succession following defeat by India in their opening game.
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Beaumont and Sciver's partnership was all the more impressive given that it was constructed from 52-3, after Lauren Winfield was superbly taken by a diving Amy Satterthwaite at gully, Sarah Taylor offered Leigh Kasperek a low return catch and Heather Knight was lbw playing across the line to Suzie Bates.
If consolidation was the priority early on, they increasingly made scoring look easy on a dry, used pitch under sunny skies at the County Ground.
Sciver was the more dominant partner during their 27-over alliance, mixing powerful leg-side strokes with excellent placement and superb running between the wickets.
The more compact Beaumont drove well until she chipped Amelia Kerr tamely to mid-off, one of four wickets for the 16-year-old leg-spinner.
Dropped on 58 by a diving Kasperek at short fine leg, Sciver scored with almost total freedom as she brought up a 92-ball hundred, her second of the tournament after making 137 against Pakistan.
She eventually swung Kerr to deep mid-wicket, the first of four wickets to fall for only eight runs in 12 balls to end England's hopes of reaching 300.
Former England captain Charlotte Edwards said on BBC Test Match Special: "Today without a doubt has been Nat Sciver's best innings and most important innings in terms of the context of the game. It has been exceptional."
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While Sciver struck 11 fours, arguably the most memorable stroke was a between-the-legs shot that will not be found in any coaching manual.
Making room to drive to Holly Huddleston, Sciver was cramped for room by a full, inswinging delivery, but she merely angled the bat slightly to deliberately divert the ball between her legs for two to fine leg.
Player of the match Sciver said: "That sounds pretty good. If it is right length then I am able to do it."
For all New Zealand's vaunted batting prowess - they had lost a combined five wickets in their three successful chases in this tournament - they never threatened to pull off the second highest pursuit in women's ODI history.
Bates and Satterthwaite's 75-run stand for the second wicket was approaching dangerous proportions when the former was drawn out of her crease by left-arm spinner Hartley and easily stumped by Taylor.
It sparked a collapse from 89-1 to 133-5, with all four wickets falling to spin.
Satterthwaite was caught and bowled by Laura Marsh via a leading edge, Shrubsole made good ground to claim a Sophie Devine skier off Hartley, and Katey Martin was bowled aiming an unsightly heave at Knight.
Jenny Gunn accounted for Erin Bermingham and Kasperek in successive overs, and New Zealand's fate was sealed long before Huddleston was lbw attempting to sweep Hartley.
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England captain Heather Knight: "We were really under pressure and that partnership was worth more on that pitch. The batters really stand out at the moment.
"Winning is a habit and hopefully we can carry on."
New Zealand captain Suzie Bates: "The partnership from Beaumont and Sciver took the game away from us. That is where they won the game.
"We have played really good cricket in this tournament and lost to England and Australia, who are quality sides. It is not doom and gloom. If we play well we can beat India."
Former England captain Charlotte Edwards: "England are doing almost everything really well. Today was exceptional, the way they rebuilt their innings from 52-3.
"The only area you can criticise is their catching - that has been a constant problem in the World Cup. You hope it doesn't hurt them."


Annual growth in UK house prices accelerated for the first time in eight months in November, a lender's figures show.

The Halifax, part of Lloyds Banking Group, said property prices had risen by 6% compared with a year ago.
That meant the cost of a typical home was Â£218,002, it said.
The faster price growth is in contrast with figures from rival Nationwide, which said annual house price growth had slowed to 4.4%.
Annual property price growth peaked at 10% in March. The Halifax said that, despite the pick-up it reported in November, "annual house price growth may slow over the coming months".
Prices were up by 0.2% compared with October, and had risen by 0.8% in the three months to the end of November compared with the previous quarter, it said.
Industry figures welcomed the pick-up in prices.
Russell Quirk, chief executive of eMoov, said: "Many in the industry have been quick to put the boot in over the last few months where the UK property market is concerned, hanging gloomy predictions on a dwindling level of demand in the market.
"It would seem this simply is not the case. The driving factor behind inflating house prices is an imbalance between supply and demand and, with house prices spiking this late in the year, it would seem there is certainly a sustained level of buyer demand present in the current market."
Jonathan Hopper, managing director of Garrington Property Finders, said: "The Halifax's market confidence tracker illustrates perfectly the 'business as usual' stoicism. It found consumer confidence in the housing market is at its lowest level for three years, but that nearly four times as many people expect prices to rise as think they will fall in the next year."
The Halifax said that low mortgage rates were maintaining demand among potential buyers. But HSBC has just pulled one of the cheapest deals - a 0.99% two-year fixed-rate deal - off the market.
Mortgage broker Aaron Strutt, of Trinity Financial, said the lender was inundated with enquiries, which could have led to it being withdrawn, despite the relatively high arrangement fees connected to the deal.
Where can I afford to live?


Two new dramas are hoping to raise awareness of the impact dementia has on Welsh communities.

Belonging is touring Wales while Before I Leave by National Theatre Wales opens at Sherman Cymru in Cardiff next week.
Patrick Jones, who wrote Before I Leave, said he was inspired by choirs set up for people with dementia.
He said he was commenting about "how in the age of the Big Society, people who don't have much are coming together and are helping each other out".
Before I Leave tells the story of members of a dementia choir in the south Wales valleys.
It includes a new song by Jones' brother, Nicky Wire of the Manic Street Preachers, as well as a soundtrack of traditional songs and covers by artists, including Sir Tom Jones.
Jones said the play touched on difficult aspects of the valleys' past, including the miners' strike, but it wasn't a "big, angry, bleak" drama.
"It's about the redemptive power of song and of people coming together," he said.
"It touches on our heritage as well, but ultimately it's looking to the future and saying 'this is how our society could function,' with people coming together, singing and sharing their stories."
Another drama about dementia, which affects 45,000 people in Wales, is already touring the country.
Belonging tells a number of different stories, one of which focuses on the struggle facing some Welsh-speaking dementia patients to receive treatment in their native language.
Dementia patients are sometimes known to revert to their first language as the condition worsens, creating a situation which can add to an already confusing time for Welsh-speaking dementia sufferers and their families as they seek professional help.
Actor Llion Williams, who plays dementia patient Morys, said the situation was a "concern" among Welsh speakers.
He said: "I live up in north Wales and generally people within the profession are aware of it happening - with the Welsh language in particular - and attitudes generally are healthy, but maybe there are individuals where this needs to be drawn to their attention."
Cler Stephens, who plays Morys' wife Mags, added: "A lot of frustration can come out of that - when there's no communication, even if they're reaching out to communicate."
While performances of Belonging are open to the general public, special matinee productions have attracted a large number of healthcare professionals and families who are living with dementia.
Alison O'Connor, co-director of Re-Live theatre company which has produced Belonging, said: "We've had packed audiences and a real mix of people, which we're delighted about.
"Some people came along purely to see a piece of theatre and they've gone away saying 'Wow, I've seen something that makes me feel and think differently.'
"An audience member came up to us and said 'I now feel, if someone in my family has a dementia diagnosis, I'm not going to be scared. I understand a bit more about how to be with someone, reduce the fear'."


The most advanced flight incubators in the UK for sick babies will be used by Wales Air Ambulance later this month.

The charity said the new technology would provide an alternative to road ambulance journeys, offering significantly quicker transport of vulnerable babies between hospitals.
The service began carrying Babypods for emergency missions in 2013.
But the new incubators will attach to existing equipment in the helicopter, providing warmth and oxygen.
They also have a transparent chamber, allowing babies to be monitored during flights.
Welsh medics went to Switzerland to help in the design process and, at a cost of Â£70,000 each, two new incubators have been bought by NHS Wales.
They will be used on Wales Air Ambulance's newest helicopter, the fourth in its fleet.
Weighing 15st 10lb (100kg), the incubators will be fitted to a sled and require two people to lift them into the air ambulance.
Since April 2015, helicopter crews have been joined on board by consultant doctors.
Dr Dindi Gill, the Emergency Medical Retrieval and Transfer Service Cymru interim director, said: "Having the incubator system will further enhance the ability of the EMRTS teams to manage neonates born at home or in hospital.
"It is recognised that temperature control is extremely important to this group of patients and, therefore, we welcome the ability to carry the incubator on Wales Air Ambulance's helicopters."
Following crew training, the incubator service will run as a trial to the end of 2016.


Idris Elba is planning to release an album of music inspired by his BBC detective character Luther.

Elba, 42, has given the album the working title Murder Loves John.
"I'd like to dissect the idea of someone who has to deal with so much darkness," he told John Wilson on BBC Radio 4's Front Row.
Next week the actor releases his debut album, mi Mandela - inspired by Elba's African heritage and his role as Nelson Mandela in 2013's Long Walk to Freedom.
It is intended as the first of a series of albums which are character-inspired.
Elba said: "Detectives carry a lot of stuff. They meet someone who's done something heinous, but they have to have an objective perspective on them until proven."
"That could create some really good songs... and definitely an interesting mood, musically," he added.
The "character albums" are not Elba's first foray into the music world. The Wire actor released a five-song EP called High Class Problems Vol 1 in 2010, under the moniker Driis. He released an earlier EP - Big Man - in 2006.
He told Wilson he believed David Bowie would be a significant influence on the album.
"Luther listens to Bowie. He likes Bowie. John loves the idea that David's music is escapism for a complex mind."
"I'm not saying that I am going to make an album that sounds like a Bowie album. I'm just saying that would be an inspiration for some of the writing and songs."
Elba is due to return to the role of the troubled police detective in a two-part Luther special for broadcast next year.
He added he hoped to perform on stage in the near future and is in talks over a possible musical role.
Idris Elba appears on BBC Radio 4's Front Row on Wednesday 26 November, at 19:15 GMT.


One of the best-known figures in the anti-Putin protest movement, Sergei Udaltsov, has been placed under a travel ban by investigators in Moscow.

Russia's FBI-style Investigative Committee (SK) confined him to Moscow after questioning him about an alleged plot to seize power in Russia.
Mr Udaltsov denied the allegations and said a "new repression" was under way.
Elsewhere, President Vladimir Putin sacked one of his ministers after publicly criticising him last month.
No reason was given for dismissing Regional Development Minister Oleg Govorun and replacing him with Igor Slyunyayev.
However, last month, in a dressing-down broadcast on TV, the Russian leader rebuked Mr Govorun for failing to deliver on his election promises to help people living in sub-standard housing in the regions.
An unnamed Kremlin source quoted by Russian business newspaper Vedomosti said the main reason for Mr Putin's dissatisfaction was Mr Govorun's poor handling of the Krymsk flood disaster clean-up.
Along with Mr Udaltsov, at least two other people were also placed under investigation by the SK.
In Twitter messages, Mr Udaltsov, a radical leftist, said his apartment had been searched and he had been taken to SK headquarters for interrogation.
"This is lawlessness and provocation and I hope that society will not be silent," he was quoted as saying by Russia's Interfax news agency.
A documentary last week on Russia's NTV channel, which is seen as close to the Kremlin, showed what it said was footage of the activist meeting officials from Georgia to discuss mounting a coup in Russia.
In a statement released on Wednesday, the SK said it had begun an investigation into Mr Udaltsov, Leonid Razvozzhayev, Konstantin Lebedev and others on the basis of the allegations made in the documentary, Anatomy Of A Protest II.
If convicted, Mr Udaltsov and the others face prison sentences of between four and 10 years.
Correction, 19 October 2012:This story originally said that Mr Udaltsov had been placed under house arrest but it has now been clarified that he has been barred from leaving Moscow.


More than 1,300 militants from so-called Islamic State were killed by British air strikes in Iraq over a 12-month period, according to new figures.

A further 111 are thought to have been wounded in the strikes.
Armed Forces Minister Mike Penning revealed the figures after a written parliamentary question by Lib Dem leader Tim Farron.
He said they were an estimate because strike sites cannot be visited and assessed by the UK.
Mr Farron had asked the Ministry of Defence how many militants from the terrorist group had been killed by British forces in Iraq from 2 December 2015 to 2 December 2016.
Mr Penning replied: "During the period in question it is assessed that there were a total of 111 enemy wounded in action and a total of 1,306 enemy killed in action as a result of UK air strikes.
"The UK cannot visit strike sites and conduct detailed investigations on the ground in Iraq. Therefore the number of combatants killed and/or wounded is an estimated figure only."
The UK parliament backed British participation in air strikes against IS in Iraq back in September 2014. Just over a year later in 2015, MPs authorised air strikes against IS in Syria.
The UK has conducted more than 1,200 airstrikes in Iraq and Syria since it became involved - more than any other coalition country bar the United States.
BBC analysis has shown that in 2017, UK forces dropped bombs in Iraq and Syria on 69 of the first 99 days of the year.
RAF Typhoons and Reaper drones have been supporting Iraqi and Kurdish forces trying to liberate Mosul, northern Iraq, in recent months.


A man has been arrested after a body was found inside a car submerged in a drainage ditch.

The body of a male was discovered when emergency services were called to The Causeway in Mark, Somerset, at 05:15 BST on Saturday
An Avon and Somerset Police spokesman said officers were trying to establish the circumstances of the man's death and are appealing for witnesses.
A 27-year-old man remains in custody for questioning, he added.


The struggle for influence and power in Iran is played out in the media.

All broadcasting from Iranian soil is controlled by the state and reflects official ideology. A wider range of opinion may be found online and in the printed press.
However, many pro-reform outlets have been closed and their writers and editors imprisoned.  Iran is "among the five biggest prisons in the world" for journalists, Reporters Without Borders said in 2011.
Television is the most-popular medium, reaching more than 80% of Iranians. State-run Islamic Republic of Iran Broadcasting - IRIB - operates national and provincial services. Its international networks include English-language Press TV. The most-watched domestic network is IRIB's youth channel.
Despite a ban on using satellite equipment, foreign TV stations are widely watched; this is largely tolerated by the authorities.
Western broadcasters, including BBC Persian TV, target Iranian audiences. Their satellite broadcasts have suffered from deliberate interference from within Iran.
IRIB's radio channels include a parliamentary network, Radio Koran and a multilingual external service.
There are some 20 major national dailies, but few Iranians buy a newspaper every day. Sports titles are the biggest sellers.
There were 42 million internet users by September 2012, comprising more than 50% of the population (InternetWorldStats.com). The web is the main forum for dissident voices. Access is easy to arrange and affordable for middle-class households.
News sites often have strong political leanings. There are tens of thousands of weblogs, with bloggers active in Iran and among the diaspora. Officials, including President Ahmadinezhad, have launched blogs.
Iran boosted its web blocking efforts after the disputed 2009 presidential election.
The authorities exercise technical controls (filtering, limiting bandwidth) and implement legal and regulatory curbs. Censorship extends to political and human rights sites.
Blocked sites have included Facebook, Twitter, MySpace, Flickr and YouTube. A Revolutionary Guard "cyber army" is said to hack opposition sites. Bloggers and online activists have been arrested.
Iran says it is developing a "national internet"; some observers say this will sever the country from the global web. "The construction of this parallel internet, with a high connection speed but fully monitored and censored, is supposed to be completed in the very near future," said Reporters Without Borders in March 2013.


Germany's federal prosecutors are investigating whether a website has committed treason.

Netzpolitik.org reported on plans to expand the country's domestic surveillance of online communications earlier in the year.
The site says it has received a letter from prosecutors announcing the probe against two of its journalists as well as an unidentified source.
The stories were published in February and April.
The February article alleged Germany's domestic intelligence agency wanted additional funds to increase its online surveillance programmes.
The April follow-up was about the spy agency's efforts to set up a special unit to monitor social networking websites.
An earlier report suggested the pair of journalists had already been charged with treason, but it has since emerged that they are in fact being investigated.
In Germany the maximum punishment for treason is 15 years in prison unless a judge decides to override that with a harsher sentence.


HM Revenue & Customs has lost its bid to recover up to £50m in stamp duty from the sale of the Chelsea Barracks in 2007.

Three Court of Appeal judges decided that the tax office had pursued the wrong party for the tax.
The purchaser, a firm owned by the Qatar Investment Authority, had used a type of Islamic finance that meant a bank actually owned the property.
HMRC said it was "disappointed" by the ruling.
"The Court of Appeal ruling supports our view that SDLT [stamp duty land tax] is payable. We are disappointed that the decision makes that tax much harder to collect so we are considering an appeal," HMRC said.
The judges' decision is likely to reignite criticism of the complexity of the UK tax system, if HMRC itself can be caught off guard. It will also expose alternative financing arrangements to more scrutiny from tax campaigners.
In the ruling, Lord Justice Lewison said there was "nothing surprising" about which firm HMRC should have pursued for the tax.
Project Blue, the investment vehicle ultimately owned by the Qatari ruling family, claimed that HMRC was now out of time to pursue Masraf al Rayan, a Qatar-based bank.
The result, and how it was arrived at, shows that HMRC needs more resources to do its job, said Richard Murphy, director of Tax Research UK.
"This needs to be a serious kicking for the people involved including the senior management of HMRC," he said. "We cannot run a tax authority on the cheap."
The tax office had won a decision in a tribunal in December 2014 for £38m stamp duty land tax to be paid, based on a £959m purchase price for the site. However, this decision was then taken to the Court of Appeal.
HMRC then sought stamp duty land tax worth £50m against the £1.25bn paid by the bank to Project Blue - a figure that as well as the £959m purchase price included tax and further development costs.
Project Blue had used a type of finance that complied with Islamic law, which forbids lending money for interest. It used an arrangement called Ijara.
"Under an Ijara arrangement a bank or other financial institution buys the asset that the customer wishes to acquire and then leases that asset to him," said Lord Justice Lewison in the judgement.
"The rent is calculated in such a way that the bank will receive a return on its investment. The customer will also have an option to buy the asset. However, it is critical to appreciate that the bank will be the real owner of the asset for the term of the lease, and the customer will not."
Qatar is now a large player when it comes to investments in London. It is a joint owner of the Shard, has a 20% stake in the owner of Heathrow airport and a significant stake in Barclays after helping the bank avoid a government bailout in 2008.
Project Blue said in a statement: "In good faith, Project Blue Ltd paid the full original sum demanded in advance of the First Tier Tribunal hearing in 2013. We welcome the important clarifications provided by the Court of Appeal.  Project Blue Ltd has always fully complied with all UK taxation matters and will continue to do so."


Japan's biggest car manufacturer, Toyota, has posted a year-on-year 19% rise in net income for the 12 months to March, beating expectations.

The result comes from stronger sales in the US, together with a weaker yen.
The firm said net income increased from 2.1733 trillion Japanese yen ($18.1bn; Â£11.7bn), up from 1.8231tn yen a year earlier.
But it said consolidated vehicle sales decreased by 144,169 units during the period, to 8,971,864 vehicles.
Many of Japan's firms - especially those relying on exports, such as Toyota - have benefited from the weakness in the yen, which helps bring down the cost of Japanese goods sold abroad.
It has forecast a net income of 2.25tn yen for the year ending in March 2016, backed by continued strength in the US market.
Toyota's operating income for the year ending in March 2015 was also up by 458.4bn yen during the period, to 2.7505tn yen.
"Operating income improved... due to positive factors such as favourable foreign exchange rates and cost reduction efforts," said the firm's president, Akio Toyoda.
He said those positive factors had "more than offset negative factors" including increased expenses and decreased vehicle sales.
Vehicle sales decreased for the firm in Japan, where a sales tax rise has put consumers off big-ticket items.
But sales in its North American market increased by 185,775 units to 2,715,173 units.


A man addicted to the synthetic drug Spice was "snarling and growling" like an animal as he bit a police officer, a court has heard.

Leroy Parry, 24, sank his teeth into the bicep of PC Gareth Phillips for nearly a minute.
Swansea Crown Court heard it took seven officers to restrain him.
Parry, from Waunarlwydd, was jailed for 20 months after admitting affray, assault occasioning actual bodily harm and three assaults on police.
PC Phillips described it as the worst violence in his 14-year police career, and said he had to punch snarling Parry three times before he let go of his dog-like bite.
The court heard Parry has been addicted to drug Spice for five-and-a-half years and was having withdrawals when he carried out the attack.
It happened during a disturbance in Swansea city centre on 7 April.
Prosecutor Tom Scapens said the officer described the pain as "excruciating from the outset".
Mr Scapens said: "He could feel this bite through a long sleeve work shirt and two fleeces.
"He said Leroy Parry was 'animal-like'.
"He was in so much pain he was going into shock."
The court heard the officer looked at his arm when he got into the police van.
Mr Scapens said: "Looking at it made him feel physically sick."
Parry later apologised to officers, telling them he was "clucking for Spice".
The drug Spice is the name commonly used to describe a laboratory-created cannabis substitute. It is banned in many countries, including the UK.
It has been blamed in recent months, along with another variant called Black Mamba, of turning users into "zombies" collapsing in the streets around Wrexham bus station in north Wales.
The court heard Parry had convictions for some 41 offences and a history of assaulting police officers.
Speaking after sentencing, Insp Mark Davies said Parry had carried out a "vicious attack".
"Nobody can justify this level of violence for somebody just doing their job," said Insp Davies.
"This incident demonstrates the very real potential dangers that officers face on a daily basis.
"When an officer leaves the station, they simply do not know what they might have to deal with at any given time."


At least 67 people are known to have died since al-Shabab militants attacked the Westgate shopping centre in the Kenyan capital Nairobi on Saturday.

This page showing what we know about the victims will be updated as new information comes to light.
Ruhila Adatia-Sood, a popular TV and radio personality, was in the rooftop car park of the Westgate shopping centre where she was part of a team hosting a cooking competition for children at the time of the attack.
She married Ketan Sood, who worked for USAid in Nairobi, in January 2012 in what has been described as Swahili-themed wedding.
She was six months' pregnant with their first child when she died.
According to reports, Ms Adatia-Sood was rushed to Aga Khan Hospital but was pronounced dead on arrival.
She was "known throughout Kenya for her passion, vibrancy, and gift for making people smile", USAid administrator Rajiv Shah said in a statement.
On her Twitter account, she described herself as a "food lover, thrill seeker and a bungee jump away from sanity".
A graduate of South Africa's Rhodes University in Grahamstown, her three elder sisters described her as "a go-getter since childhood".
She was a presenter on Radio Africa media group's East FM and said she hosted entertainment news on Kiss TV, E-News, Kiss 100 and X-FM.
On Saturday she was tweeting Instagram photos of those attending the cooking competition in the car park.
Her colleague, Kamal Kaur, also a radio presenter, was helping with the competition and was at the event with her two young children when she said they all came under attack from a gunman.
"A grenade was thrown at us and it went off. At the same time he shot at us. The bullet missed my son by just an inch; it bounced off the wall and hit the boy who was next to him," she told the BBC.
"Then he [the attacker] came out again with his big rifle. My daughter kept whispering to everybody: 'Pretend you're dead! Pretend you're dead! He won't shoot...pretend you're dead.'
Ms Kaur and her children managed to escape - her children were hit in their legs by shrapnel.
"My daughter is very devastated because my colleague Ruhila... she was six months pregnant and she lost her life and we're very devastated about that... Very devastated about that," Ms Kaur said.
President Uhuru Kenyatta's nephew Mbugua Mwangi and his fiancee Rosemary Wahito are among the many Kenyans killed in the attack on the Westgate shopping centre.
Addressing the nation on Saturday, Uhuru Kenyatta said:
"I ask God to give you comfort as you confront this tragedy, and I know what you feel having also lost very close family members in this deadly attack."
According to the Irish Independent newspaper, Mr Mwangi's mother, Catherine Muigai Mwangi, had recently returned home from Dublin following a six-year posting as Kenya's ambassador to Ireland.
Mr Kenyatta's elder sister Christine Wambui Pratt was also at Westgate at the time of the attack, but managed to escape.
A sales and marketing director of Bidco, a company that primarily makes cooking oil, Mitul Shah was also up in the rooftop car park at the cooking competition.
"He died trying to save stranded children. He died as a hero," Half Jadhe Half Kyuk wrote on the KenyaList.com message board.
He described Mitul Shah as a fervent Manchester United fan.
He was also chairman of Bidco's football team, which plays in the second division.
An aviation and communications expert and a lawyer by training, Peter Simani was meeting a friend at Westgate mall on Saturday when the militants burst in.
He and his friend both died in the attack. His friend's name is not known yet.
Peter Simani chaired the Political Parties Dispute Tribunal and was also a director of the Communications Commission of Kenya (CCK).
Ngene Gituku, chairman of the CCK board, said that Kenya had lost a "brilliant lawyer with an incisive and highly analytical mind".
"My board highly relied on Mr Simani's guidance on delicate decisions on legal issues, especially those touching on the regulation of the fast-growing ICT sector," he said in a statement.
The 24-year-old food entrepreneur died on Saturday. It is likely he was at the food competition taking place in the rooftop car park.
He founded the food website Pika Chakula, which means "cook food" in KiSwahili, with a mission to "teach people how to cook".
"A very smart gentle man who enjoyed the simple things in life, outgoing and never learnt how to say no. Never had nothing against any one," said a post on a Facebook page set up to remember him.
His funeral was held on Monday at the Hindu Crematorium in Nairobi.
"To all our Pika Chakula fans. This week we will be posting Rajan Solanki's favourite dishes and recipes," the website tweeted on Tuesday.
Known as Manogi, he owned the Sona Shoppe, a photography studio on ground floor of the mall.
The 52-year-old is survived by his wife Sangu and his two children, Nishiv and Sonali, and a large extended family.
Mr Shah was born in Nairobi, where he graduated from Jamhuri High School.
His family described him as an astute businessman and entrepreneur, who had had numerous businesses in his time including Raja's Souvenirs, Hakuna Matata and Sona Shoppe, a chain of photography shops.
He was passionate about sport, an avid reader and enjoyed politics, films and board games.
"He had a wonderful and witty sense of humour, was inquisitive and intelligent yet very easygoing with an open heart and made a lasting impression," his son Nishiv told the BBC.
"He always made the best of any situation and was always there whenever anyone needed him. His jovial personality and contagious smile will be deeply missed by all.
"A kind soul with a heart of gold, a gem never to be forgotten."
A student at the private Oshawal Academy near Westgate shopping centre, she died on Saturday during the shoot-out.
"Head girl, dancer, awesome friend," a Facebook community set up to remember her says.
"A girl who you could talk to about anything," the post continues.
Jyoti Kharmes Vaya was a 37-year-old mother of three whose husband worked for Victoria Commercial bank, it said.
Maltiben Ramesh Vaya was aged 41, a mother of two who worked for the Bank of Baroda.
"Both daughters-in-law succumbed to injuries related to gunshot wounds in yesterday's terror attack in Nairobi's Westgate Mall," a message on Facebook posted by the Pattni Brotherhood community in Nairobi said.
President Uhuru Kenyatta said on Tuesday that six members of the security forces had died during the operation.
The chief executive of Paramount Bank, Ayaz Merali, lost his wife Salima Ayaz Merali and  daughter Nuriana Ayaz Merali.
Nehal Vekaria, a 16-year-old student. On Sunday, her family held her funeral where she was cremated.
The Daily Nation newspaper named Harun Oyieke, a lecturer at Co-operative University College of Kenya, as another of the victims.
The UK Foreign Office had said six Britons were among those killed, but it has revised that number to five because one man previously thought to be British was actually a Kenyan national.
None of the dead Britons has been formally identified, but they are believed to include Ross Langdon, who had dual Australian and British nationality (see below), and eight-year-old Jennah Bawa.
Jennah, daughter of Louis Bawa, had been on a shopping trip with her Kenyan-born mother, Zahira Bawa, on Saturday in Westgate. It is not clear if Mrs Bawa has been counted as one of the dead Britons.
The family lived in Leamington Spa until last year, when lawyer Mrs Bawa is reported to have returned to Kenya to look after her mother. Mr Bawa then took a job as the chief executive of a marketing company in Dubai and began travelling to see his family in Nairobi at weekends.
"The last time I spoke to them was on Friday evening, I didn't get a chance to catch up with them on Saturday morning. They were going to Westgate to do what they always did, grocery shopping. This time they didn't come home," Mr Bawa told the UK's Daily Telegraph newspaper.
"Zahira and Jennah were Muslims, but these animals just shot them the same as all of the others," he told the paper.
Mr Bawa had spent agonising hours outside the shopping mall, hoping to hear from them. He found out on Sunday night that they were among the dead, identifying them from photographs taken of victims inside the shopping centre.
British citizen Niall Saville was wounded in the attack, but his wife Kang Moon-hee, from South Korea, was killed.
The UK Foreign Office released a statement on behalf of their families which said the couple had lived in numerous locations.
Both families, the statement said, "need to focus on grieving and supporting Niall through his recovery".
The statement added: "The Saville and Kang families are devastated and heartbroken by the sudden loss of Moon-hee.
"She was very close to the Saville family and brought so much joy to all of their lives."
Ross Langdon, an Australian architect who grew up in Tasmania and had dual British nationality, died in the shootout along with his Dutch girlfriend Elif Yavuz, a 33-year-old health worker and Harvard graduate.
Mr Langdon co-founded Regional Associates and worked in East Africa on sustainable architecture projects.
"Profoundly talented and full of life, Ross enriched the lives of all those around him," the company said on its website.
"Ross's leadership on projects throughout East Africa was inspirational, and he will be will be very, very sorely missed by us all."
Peter Adams, a family friend in Tasmania, paid tribute to the couple on his blog: "There just was no dark side to Ross that I ever saw in the 20 or so years I knew him.
"We all took immense pride in both his architectural abilities and his very generous, positive, and loving personality."
Amongst his achievements was his "pro-bono" design for an Aids hospital in Kenya, Mr Adams said.
"In Uganda he designed and supervised a unique eco-village employing only local labour," he added.
Ms Yavuz, who was expecting their first child in two weeks' time, worked for the Clinton Foundation as a senior vaccines researcher based in Tanzania.
The UK's Daily Mail reports that in photographs from the mall that are too graphic to print, Mr Langdon is seen cradling Ms Yavuz, a hand draped protectively over her stomach.
The couple are believed to have travelled for the birth from Tanzania to Nairobi, because of its advanced health care facilities.
Former US President Bill Clinton and his family paid tribute to Ms Yavuz, saying she was "brilliant, dedicated and deeply admired by her colleagues".
"Elif devoted her life to helping others, particularly people in developing countries suffering from malaria and HIV/Aids," the Clinton family statement said.
The 59-year-old from the Vancouver area was on a business trip to Nairobi when he was killed at Westgate, a family member has said.
According to Canada's QMI news agency, he was a hotelier and was at a coffee shop with relatives when the attack happened.
His family in Canada, including three adult daughters, found out about the tragedy through relatives who survived the attack, The Province paper in British Columbia reported.
A 29-year-old Canadian diplomat who served at the country's high commission in Kenya as a liaison officer with the Canada Border Services Agency.
Her husband, Robert Munk, was injured in the attack but has since been released from hospital, officials said.
The 78-year-old Ghanaian was a renowned poet - regarded as literary royalty at home, where his poetry and novels are considered essential reading at schools.
He was in Nairobi as a participant in the Storymoja Hay Festival and was due to perform on Saturday evening.
Kofi Awoonor: Remembering a Ghanaian poet
He became known for his poetry in the 1960s and was inspired by the singing and oral storytelling of his Ewe ethnic group - his first published collection was called Rediscovery.
In the 1970s he taught at several universities in the US, returning to Ghana in 1975 to take up a position as head of English at the University of Cape Coast.
Within months he was arrested and detained for a year on suspicion of treason during the military rule of Col Ignatius Acheampong.
This provoked protests from Amnesty International and writers such as the beat poet Allen Ginsberg.
He became more politically active after his incarceration, serving as Ghana's ambassador to Brazil in the 1980s, and - after the country's return to multi-party democracy - as ambassador to the UN.
Ghana's President John Mahama said he was shocked by such a sad twist of fate: "A writer, politician and traditionalist with great wit, sense of humour and very well-spoken. He will be sorely missed."
Mr Awoonor's son was with him in Nairobi and was shot in the shoulder during the attack.
The eight-year-old son of a branch manager for the Bank of Baroda was among those who died in the mall, Indian external ministry spokesman Syed Akbaruddin said on Twitter.
From the southern city of Bangalore, Sudharshan Nagaraj had only arrived in Nairobi the day before he was killed, Mr Akbaruddin said.
He was in the book trade and was also due to travel to Kampala in neighbouring Uganda and Ghana's capital, Accra.
A 40-year-old was from Tamil Nadu in southern India, Sridhar Natarajan was working for a pharmaceutical firm in Nairobi, Mr Akbaruddin said.
The ministry spokesman said that the size of the Indian community and those of Indian origin in Kenya was estimated to be 70,000.
A doctor and former deputy head of the Kenyan branch of the UN children's fund, Juan Ortiz-Iruri was at the shopping centre with his 13-year-old daughter Juanita.
The 63-year-old died at the scene, his daughter was shot in the leg and hand and required surgery but is expected to survive, his son Ricardo Ortiz told Peru's RPP radio.
He was due to take up a full-time post at the Liverpool School of Tropical Medicine in the UK and was expected to arrive at its Centre for Maternal and Newborn Health (CMNH) this week.
The 38-year-old was fatally wounded from gunshot wounds and shrapnel from a grenade, South Korean's Yonhap news agency reported.
Sources told the agency she died while being treated at a hospital on Sunday.
Her husband, Niall Saville - who is a British citizen - has received surgery for a gunshot wound and is reportedly currently in a stable condition.
According to AFP, the couple had only recently moved to Nairobi from Dubai.
The UK Foreign Office released a statement on behalf of the Saville and Kang families which described Ms Kang as "a bright, loving, kind and genuine person who will be greatly missed".
Prime Minister Kamla Persad-Bissessar issued a statement extending condolences to Ravrinda Ramrattan's family. Mr Ramrattan had been working in Kenya as an economist.
China: China's official news agency reported that a 38-year-old Chinese woman had been killed - her teenage son was injured.
France: A mother and daughter were "executed in the parking lot" of Westgate, Helene Conway-Mouret, the French minister in charge of nationals living abroad, told private French channel BFM-TV.
South Africa: One national has died at Westgate, officials said.


The health benefits of cycling and walking outweigh the harmful effects of air pollution, a study has suggested.

Air pollution contributes to 40,000 early deaths each year in the UK and we gulp in more of it when we exercise.
On the other hand, regular exercise reduces the risk of diabetes, heart disease, and several cancers.
The University of Cambridge study showed that even in cities with high pollution levels, the benefits outweigh the risks.
The researchers used computer simulations to compare data on different kinds of physical activity and different levels of air pollution in locations around the world.
It found that for an average air pollution concentration in an urban area, the tipping point - when the risks begin to outweigh the benefits - comes after a huge seven hours of cycling or 16 hours of walking a day.
It is far beyond what most people would ever do.
"Even in Delhi, one of the most polluted cities in the world - with pollution levels 10 times those in London - people would need to cycle over five hours per week before the pollution risks outweigh the health benefits," said Dr Marko Tainio, the lead author of the study.
He added: "We should remember, though, that a small minority of workers in the most polluted cities, such as bike messengers, may be exposed to levels of air pollution high enough to cancel out the health benefits of physical activity."
The study, published in Preventive Medicine, said exercise was always beneficial in London.
The average air pollution level for cities around the globe is 22 micrograms per cubic metre, according to the World Health Organisation (WHO).  In London the air pollution level was recorded at 16 micrograms per cubic metre in 2011.
Senior author Dr James Woodcock added: "Whilst this research demonstrates the benefits of physical activity in spite of air quality, it is not an argument for inaction in combating pollution.
"It provides further support for investment in infrastructure to get people out of their cars and onto their feet or their bikes - which can itself reduce pollution levels at the same time as supporting physical activity."
The research was carried out by experts from the University of Cambridge's Centre for Diet and Activity Research and Medical Research Council Epidemiology Unit, along with researchers from the University of East Anglia.


Brazil's "man of the people" is now pleading with Brazilians to trust a politician many have come to despise.

Brazil's former President Luiz Inacio Lula da Silva has mounted a desperate defence of his hand-picked successor in office, Dilma Rousseff.
Ms Rousseff is fighting moves to impeach her over allegations she manipulated Brazil's account books to hide a growing deficit.
Brazil tumbles like 'House of Cards'
Rousseff faces perfect storm
Brazil's bigger threats
What's gone wrong?
But it may already be too late as her coalition allies are falling away.
The Brazilian Democratic Movement Party (PMDB), the largest in President Rousseff's governing coalition, will decide on Tuesday whether to break from the administration.
The party holds seven ministerial posts and the vice presidency, and has 69 members in the 513-member lower house of Congress.
The number of deputies in the lower house is key because it could influence President Rousseff's future.
If Ms Rousseff can get a third of all deputies behind her, she can block impeachment proceedings against her.
But if she loses the support of the PMDB and its members vote in favour of her impeachment, the lower house could suspend her and replace her with Vice-President Michel Temer.
The Senate would then have to decide if she should be removed from office.
Lula told members of the foreign press on Monday that such a move would be "undemocratic" and likened it to a coup attempt.
"Impeachment without a legal basis is a coup, there is no other word," he said.
"They want to shorten President Dilma [Rousseff]'s term through a coup," he added.
The former leader spoke for over two hours in a bid to win over members of the international media.
Lula distrusts the Brazilian press and accuses them of helping to construct a narrative against President Rousseff.
"It's not the headlines of a newspaper that can absolve or convict somebody," he said.
"We are seeing exaggeration and people being convicted even before there was a due legal process."
Five years ago, if Lula talked most people would have listened. He left office in January 2011 with an 83% approval rating.
A president who rose from abject poverty promising major reforms to the country's political and economic system, he presided over Brazil's longest period of economic growth in three decades.
But now he may be slowly falling from grace.
Prosecutors are investigating the largest corruption scandal in the country's history at the state-controlled oil company Petrobras, with hundreds of millions of dollars in kickbacks.
Earlier this month, he was briefly detained and questioned about allegations he took gifts from construction companies involved in this bribery scandal, which he denies.
In an extraordinary move, President Rousseff tried to appoint Lula as her chief of staff despite the ongoing investigation.
Many believed this was to save him from being arrested as those who hold ministerial posts enjoy a certain level of immunity from prosecution.
Thousands of people took to the streets to protest and his appointment was suspended by the Supreme Court, which is due to pass a final ruling on the matter next week.
The move put Brazil and its politics back in the headlines.
Lula believes the way the high-profile investigation is being conducted could tarnish Brazil's international image.
In particular he took issue with the release to the media of taped conversations and witness statements by the federal judge in charge of the investigation, Sergio Moro.
"Yes we should fight corruption and we should find out who's stolen... but is it necessary to make a TV show out of it?," he asked.
"Is it necessary to turn it into some kind of Big Brother show?," he added before asking: "How much is this affecting the Brazilian economy?"
Charismatic and witty, Lula believes he can bring back "joy" to Brazil.
It is certainly much needed when you look at the country's economic woes.
The International Monetary Fund in January projected that the Brazilian economy would shrink by 3.5%, 2.5 percentage points more than its previous estimate.
Unemployment has continued to climb, rising to more than 8% compared to 5.8% a year earlier.
But Lula may be in no position to fight the economic meltdown facing his country.
His fate lies in the hands of others.
Prosecutors have charged him with money laundering but a judge has yet to decide whether to accept those charges.
In the meantime, the Supreme Court will debate whether he should be allowed to take up his post as chief of staff or not.
And if President Rousseff is ousted, Lula loses his main backer and there is unlikely to be a position for him in government.
Lula's Workers' Party believes "elitists" in Brazil are conspiring against him.
His controversial appointment has divided Brazilians, with thousands of people taking to the streets of Sao Paulo and Rio in rival demonstrations to protest for and against the former leader.
On Monday, Lula said he all wanted for Brazil was for "everybody to be Brazilian".
"I don't want to split Brazil, I don't want to split the country between the white elite and the poor, be they black or white."
After the most tumultuous few weeks in politics since democracy was returned to Brazil, Lula's wish may be in vain.


Barry Robson has taken up a coaching post at Aberdeen after retiring from playing at the weekend.

The 37-year-old midfielder featured for an hour of Sunday's 4-0 loss to Ross County at Pittodrie.
"I wanted to stay in football and, although there were a few possibilities on the go, to remain here was a no-brainer," Robson told the Dons website.
"Ultimately, I would like to manage one day and this is a great way to learn the ropes."
Robson, who started his career with Inverness Caley Thistle, was a league winner with Celtic in 2008 and enjoyed League Cup success with Celtic and Aberdeen.
Capped 17 times by Scotland, he moved to hometown club Aberdeen in 2013.


Patrick O'Neill bet his house on people wanting to upload better quality photos to their social media pages.

The 50-year-old amateur photographer had been inventing and building computer devices for years when he first got the idea for a camera lens that attaches to a smartphone.
Mr O'Neill could see the growing competition to have the best Facebook and Instagram pictures, and guessed that social media shutterbugs would want a tool that gave their snaps an edge.
He was right, and not only did fellow amateur photographers want to buy his lenses, they were willing to help him finance the start of his US company.
A 2011 crowdfunding campaign on Kickstarter, raised more than $68,000 (Â£47,786) from 13,000 backers.
Mr O'Neill then added to that sum with a $200,000 loan he took out against the value of his home in Orange County, California, and his Olloclip business was born.
He says the loan was a gamble worth taking.
"I didn't sit down with my family and say 'look I took this loan and if this fails we could lose the house'," says the married father of three. "I didn't believe that would happen."
Thankfully for Mr O'Neill, his bet paid off. His company has now sold more than 1.5 million Olloclips, with sales growing close to 20% each year.
The Olloclip is a camera lens attachment for your smartphone.
It clicks into place over the handset's built-in camera lens, changing the angle and focal length of the picture that the phone takes.
The firm's bestselling "4-In-1 Lens" Olloclip comes with four lenses - fisheye, wide-angle, and two macro lenses for close-up photos.
Mr O'Neill, who previously managed his own computer device building business, making hard drives, monitors and other equipment for companies, also got inspiration for Olloclip from his own needs and wants as an avid photographer.
Growing up he and his grandfather would go out to take photographs and videos.
As an adult he carried bags of camera equipment and lenses for his digital SLR camera with him on every trip. He longed for a solution that would allow him to shoot the images he wanted without carting around a heavy backpack all the time.
So he came up with the idea of adding an external lens to his iPhone.
Olloclip today employs 50 people, and assembles its products at its southern California factory using glass lenses from China.
The company's biggest challenge is keeping up with the changing designs of smartphones. For each new phone release it has to create a new Olloclip that fits.
In an attempt to be as quick to market as possible, it 3D prints what it expects the latest phone releases to look like, and tests Olloclip designs on them.
The company is also now expanding to sell cases and photography accessories.
Mr O'Neill says: "Everything we are going to do is based around mobile photography.
"We want to move what people do with their smartphones forward, and we don't want to do stuff that is boring."
Although Olloclip does make two models for the Samsung Galaxy phone, the remainder of its products are all designed for Apple's iPhone or iPad tablet computer.
Mr O'Neill says it was a business decision to focus primarily on Apple because Apple's customers spend far more on phone accessories than owners of other smartphones.
He also admits that he is a big Apple fan himself.
"Apple products have been a huge influence on my life," says Mr O'Neill. "Every time I design a new clip I think about what Steve Jobs would say."
Apple has also helped Olloclip's growth. The lens are sold in Apple stores, which has helped them reach a wider market.
According to Joshua Goldman, an editor at tech-news website CNET, the Olloclip is popular because it offers better quality than cheaper competitors, but is not so expensive that it is out of reach.
"When you consider that most people look at how good the camera is when they buy a new phone, it makes sense that people look for things that make this experience even better," says Mr Goldman.
Though Olloclips are most often used for Instagram photos, they have also been tasked with more noble work.
Olloclips were sent with doctors to Nepal to help them diagnose and treat eye conditions. The doctors used the Olloclip's macro lens to take magnified pictures of villagers' eyes, in areas where they could not get heavy diagnostic equipment.
Using the Olloclip the ophthalmologists in the field were able to send images back to colleagues in the US to get second opinions in tough cases.
Scott Hamilton from charity Dooley Intermed International, which led the expedition, says the Olloclips were a cheaper option than traditional equipment.
"Even if we could get a good image on ophthalmology equipment, we didn't have a way to get that image swiftly back," says Mr Hamilton.
The expedition did not have access to a strong internet connection either, but they did have mobile phone signal allowing them to send their Olloclip pictures back with a text message right away.
Mr O'Neill says: "My pet project is to find other uses for Olloclips.
"I think taking beautiful photos is great, but if we can help with rural medicine, or lower the cost of doing research in places where they don't have a lot of money, I think it's really special."


The EU has warned it could take legal action against Hungarian legislation cracking down on higher education, non-governmental organisations and asylum-seekers.

The deputy head of the bloc's executive Commission, Frans Timmermans, said it was determined to uphold EU values.
Thousands of Hungarians have protested against laws which could see the closure of a prestigious university.
Hungary is also forcibly housing asylum seekers in secured shipping containers.
There was a serious question whether that was compatible with EU law, Mr Timmermans said at a news conference.
He said the Commission would consider its next steps in coming weeks and would act if there were no positive developments.
"Taken cumulatively, the overall situation in Hungary is a cause of concern for the Commission," Mr Timmermans said.
Hungary's increasingly radical right-wing Prime Minister, Viktor Orban, has declared war on liberalism, reports BBC's Nick Thorpe, in Budapest.
Hungary to detain all asylum seekers in border camps
Large protest in support of Hungary's Soros-backed university
His government has come under growing criticism of its treatment of asylum seekers - including on Monday, when the UN High Commissioner for Refugees Filippo Grandi said the container camps would surrounded by razor wire would "have a terrible physical and psychological impact on women, children and men who have already greatly suffered".
Mr Grandi also said he was "very concerned about highly disturbing reports of serious incidents of ill-treatment and violence against people crossing the border into Hungary, including by state agents".
Hungary's Higher Education Law, signed earlier this week, could force the closure of the Central European University (CEU), founded by philanthropist George Soros and ranked among the top 200 universities in the world in eight disciplines.
Last Sunday, Budapest also saw the largest protest yet against the move, which has also inspired an international campaign of solidarity.
Late on Tuesday, US state department spokesman Mark Toner urged the Hungarian government to suspend implementation of the law.
Another protest is planned in Budapest on Wednesday evening.
But the Hungarian government says it will not respond to the campaign, saying CEU has a year to comply with the new rules.
Hungary passes bill targeting Central European University
Hungarian attack on George Soros prompts NGO anger
The university built to defend democracy


Ireland suffered another chastening defeat as Bangladesh clinched an eight-wicket win with 22.5 overs to spare in the Tri-Nations game in Dublin.

The Irish were dismissed for 181 in 46.3 overs as several of their batsman, including top-scorer Ed Joyce (46), got out playing poor shots.
Bangladesh sealed victory in the 28th over with Soumya Sarkar unbeaten on 87.
This was another untimely Irish display with the game's bosses set to decide on their possible Test status next month.
Mustafizur Rahman did much of the damage in the Ireland innings as he took 4-23 after dismissing opener Paul Stirling in the second over, with the Irish still to get off the mark.
Home captain William Porterfield chipped an easy caught-and-bowled dismissal to Mosaddek Hossain to leave the Irish on 37-2.
A mini-revival as Ireland moved to 116-3 abruptly ended as Niall O'Brien (30) became the first of three Mustafizur victims in a six-over period to leave the home side on 136-7.
O'Brien's brother Kevin top-edged the left-arm seamer to Mosaddek while Joyce was also out during that calamitous spell for the Irish as he went down the pitch and slogged spinner Sunzamul Islam straight to Sabbir Rahman.
Lower-order batsmen George Dockrell (25) and Barry McCarthy (12) put on 35 for the eighth wicket before their departures saw Ireland quickly in the pavilion.
Only a series of early dismissals would have got Ireland back into the game but instead Sarkar and Tamim Iqbal put on 95 for the first wicket as the visitors strolled to the most emphatic of victories.
Joyce acknowledged Ireland "didn't bat well enough" after suffering a defeat arguably worse than the seven-wicket rout by England in Bristol earlier this month.
"I thought lots of the senior players, including myself, got out very cheaply. We'll look to put that right on Sunday against New Zealand," said the former England player.
Ireland were competitive for much of last weekend's game against New Zealand at Malahide and will need a similar display or better on Sunday to take pressure off coach John Bracewell and his struggling side.


Authorities in India are being presented with a massive task - managing the weight of obese elephants kept in temples.

In parts of India, elephants are kept in temples for religious reasons - taking part in ceremonies and festivals.
Efforts are on in the South Indian state of Tamil Nadu to get these over-pampered tusked animals to slim down, officials have told the BBC.
Almost all the elephants kept in temples in the state have been found to be obese.
Accordingly, temple officials are reconfiguring the diets of their elephants on the advice of veterinary surgeons.
"The female temple elephant - 15 year-old Parvathi - is overweight by 500kg (80 stone) and efforts are on to reduce it," said Pon Jayaraman, executive officer of the Madurai Meenakshi Amman temple told the BBC Tamil service.
Another elephant in the Kallazagar Temple weighs 700kg more than the optimum for its age, according to Ravindran, the "Mahout" - or custodian - of the 48-year-old female elephant, Madhuravalli.
But veterinary surgeons point out that obesity and captivity go hand in hand.
Elephants eat up to 200 different varieties of food in the jungle, including fruits, flowers, roots and branches, but in captivity their diets often lack variety.
The experts also point out that the elephants in the wilderness are never exposed to foods such as rice, millets, salt and jaggery (an unrefined sugar set into blocks).
Wild elephants wander, trek uphill, cross streams and walk on a variety of terrain. They also compete with other wild animals for resources.
A senior forest veterinary officer in the state observed: "In captivity, elephants eat constantly, and that coupled with lack of exercise makes the animals obese."
But temple officials say the elephants are taken for walks of at least 5km each day based on vet advice.
But research has shown that in the wilderness an elephant has to walk at least 20 sq km (eight sq miles) to find its daily food intake of about 250kg of plant matter.
'Grave sin'
Dr AJT John Singh, former director the Wildlife Institute of India, called the practice a "grave sin".
"It's like confining a solitary person in... the middle of the forest," he said.
"Elephants are social animals and have amazing social bonds with one another. Breaking that, and keeping the animal alone, is like solitary confinement, the greatest form of punishment to a human being."
Temple authorities say that a near natural environment has been created for the elephants. But this is strongly disputed by animal rights activists.
Many of the temple elephants throughout India - including 37 in the state of Tamil Nadu - are living in appalling conditions, studies have shown.
Superstitions add to the discomfort of the elephants. For example, astrologers suggest feeding elephants will ward off evil.
The reasonable option, according to Dr John Singh, would be for several temples to join together to buy a patch of land with natural cover, water and food so that the animals can wander and be brought to the temple on festive occasions.
Activists have long pointed out that keeping an elephant in a temple itself is abuse and a gross violation of animal rights.
Elephants were employed as war machines in India in ancient times, and a detailed account in the 2,000-year-old book Gajasastra even defines the methods for keeping an elephant healthy.
Vets point out that even feeding the temple elephants other than what they eat in their natural habitat indirectly amounts to abuse.


Fears have been raised that a new £37m stadium in York may not open for the start of the 2017-18 football season.

The 8,000-capacity stadium is to be home to York City Football Club and the York City Knights Rugby League Club.
It is due to open during the 2016-17 football season, but the Labour party has raised "serious concerns" about the project's progress.
Conservative Chris Steward, leader of City of York Council, said the stadium would "not fall through".
The stadium was initially due to open in August but it has already been delayed until spring 2017.
The Labour group on the council said further delays risk the stadium not being open for the 2017-18 season.
A key meeting of the Conservative-Liberal Democrat-controlled council to discuss construction contracts has been put back for a second time.
Originally scheduled for December, it is now due to be held in March.
Mr Steward said: "I can't say anything is concrete. I am not going to make any false promises.
"We will deliver that stadium, but I am not going to say one particular date."
York City said it was concerned, but would not comment further until any official notice of a delay.
Councillor Janet Looker, Labour leader on the council, said she would write to the council's chief executive for assurance the project remains on track.


Justice Clarence Thomas, one of eight judges at the highest court in the US, has broken a 10-year silence at court.

The Supreme Court case related to federal law limiting gun ownership for people convicted of domestic violence.
Justice Thomas has said in the past he prefers not to "badger" lawyers as they present their arguments in court.
He spoke weeks after the death of one of the most conservative Supreme Court members, Justice Antonin Scalia, which may shift the court's balance of power.
Justice Thomas on Monday asked a lawyer for the Department of Justice whether the violation of any law "suspends a [person's] constitutional rights".
The court is considering placing new limits on the reach of the federal law banning people convicted of domestic violence from owning guns.
It was the court's second week of oral arguments - when justices are given the chance to question lawyers about their briefs - since the death of Justice Scalia, a friend and fellow conservative of Justice Thomas.
The last time he was reported to have asked a question at the high court was during a death penalty case in February 2006.
Explaining his silence over the years, Justice Thomas told the Associated Press in 2013: "We have a lifetime to go back in chambers and to argue with each other."
He told a group of students in 2000 that "there's no reason to add to the volume. I also believe strongly, unless I want an answer, I don't ask things... Usually, if you wait long enough, someone will ask your question".


Britain's world number two Andy Murray faces big-serving American John Isner on Sunday for a place in the French Open quarter-finals.

Murray, 29, will be seeking a repeat of the form that saw him overcome Ivo Karlovic in the third round on Friday.
But Isner is a much stronger all-round player than Karlovic and has pushed Murray hard in previous meetings.
The match is scheduled third on Court Suzanne Lenglen but could be delayed because of rain.
The American, seeded 15th, accepts Murray would have benefitted from his match against Karlovic.
"He's definitely got some reps in against a pretty big serve," he said. "But my serve is a little bit different. I think I can back it up better, as well.
"He's played the big points better than me, which is one of the reasons why he's number two in the world. So I'm going to have to step up when I get opportunities - if I get them.
"It's a match I would love to win, and a match I believe I can win."
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The government wants to double the membership of credit unions to challenge the growth of the payday lending sector.

Meanwhile, the Archbishop of Canterbury has said the Church could do more to help non-profit lenders to compete with payday firms.
The Most Rev Justin Welby wants to see skills of members of the congregation, as well as Church premises, used to assist the advance of credit unions.
So how do these institutions work, and how can people borrow from them?
What are credit unions?
They are financial co-operatives, owned by the people that use them.
Generally, membership of an individual union is limited to people who live and work in the local area it serves.
They may also be attached to a workplace - so only people who work there can join - or a trade union, a religious group or a housing association.
How do I save at a credit union?
Members are encouraged, first and foremost, to save rather than borrow.
They can pay the money in at local offices, collection points, some newsagents, directly from wages, or through a standing order or direct debit.
These savings are protected, up to £85,000, by the Financial Services Compensation Scheme, were the credit union to go bust.
And how do I borrow?
Credit unions can lend money to members, but the amount they can lend does vary.
Some will only lend up to £1,000, but some of the bigger ones may offer larger loans or even mortgages.
They are set up to offer loans at affordable rates, so can only charge a maximum of 2% a month (26.8% APR). That means a £500 loan repaid over six months will cost no more than £36 in interest.
That sounds a lot less than some payday lenders?
It is. However, that brings some of its own issues.
It means that credit unions are unlikely to have the scale of many payday lenders, and so could struggle to compete with the hi-tech websites and speedy applications that payday lenders offer.
As a result, the government wants to extend the interest that credit unions can charge to 3% a month (42.6% APR).
What will be the result of that?
The government hopes that, alongside £36m in extra funding, the membership of credit unions will double to two million.
There are about 400 credit unions in England, Scotland and Wales at present.
How do I find my nearest credit union?
Residents can find their nearest credit union through an online search provided by the Association of British Credit Unions.


Great Britain will travel to the Black Sea city of Constanta for their Fed Cup World Group II play-off against Romania.

The home city of Romanian number one Simona Halep will host the tie on outdoor clay on 22-23 April.
Britain are looking to return to the elite level of the competition for the first time since 1993, but will go into the tie as heavy underdogs.
Find out how to get into tennis in our special guide.
Halep, the world number four, has already said she will play in the tie.
Romania have four other players in the top 100.
GB captain Anne Keothavong's team kept their promotion hopes alive last month with a 2-1 win over Croatia. and while she will hope to call on Johanna Konta, the world number 11 is not at her best on clay.
British number two Heather Watson is currently ranked 108 but has a strong Fed Cup record with 25 wins and only seven losses.
It is the third time Britain have reached the World Group II play-offs in the past six years, with the team then captained by Judy Murray losing to Sweden and Argentina in 2012 and 2013 respectively.


US astronomers claim to have strong evidence that there is a ninth planet in our Solar System.

Scientists at the California Institute of Technology (Caltech), say there are no direct observations to confirm its presence yet.
But if proven to exist, the new planet would have 10 times the mass of Earth.
You've given the boffins a helping hand by suggesting possible names.
A recently departed Starman gets a mention:
Harrison Jeffrey keeps his options open: "Liking either Bowie or Ziggy - although just calling it Planet Nine has a nice sound about it too".
DJ_Brit continues the musical theme: "How about Planet Bri after @DrBrianMay?"
Ian M. goes for: "Mirage"
Some of you even doubt the existence of Planet Nine:
Derrick says equal opportunities should be taken into consideration:
While viking still has a hankering for an old favourite:  "Pluto version .2".
For Mirabai Collamore, it has to be: "Galifrey"
Rosalinda plumps for: "zeus would be a great name for this planet".
Here are some more of your thoughts...
Thanks for sharing your ideas.
Compiled by Bernadette McCague