The opening lines of Soak's debut album perfectly capture the ambiguities and anxieties of adolescence.

"A teenage heart is an unguided dart," sings the Derry-born artist on B a noBody. "We're trying to make something of what we are."
"The album is about growing up," explains the 19-year-old, "and I think the opening lines set the tone for the rest of the record."
Before We Forgot How To Dream has been five years in the making, collecting songs written throughout Soak's upbringing in Northern Ireland.
The husky-voiced singer, whose real name is Bridie Monds-Watson, still retains some of her teenage awkwardness. Her speech is littered with qualifiers - I think, I s'pose, maybe, dunno - and she cringes when discussing her lyrics.
But those wry, self-aware songs let her speak freely, winning legions of fans.
"I think people hear something that reminds them of themselves," she says of the songs, which tackle heartbreak, betrayal and her parents' divorce with a wisdom beyond her years.
As the album finally reaches shops ("I'm going to go into a store somewhere and move all the copies to the front"), she speaks to the BBC about her unlikely rise to fame.
The album includes some of the first songs you ever wrote. Why was that important to you?
The logic behind the album is that I had all these songs and I didn't want to get rid of them.
They all represent the moment they were written in. So, Sea Creatures was written by a 14-year-old and Blud was written by a 15/16-year-old. I wanted to showcase the logic you have at that age.
I wouldn't want anyone to see the things I wrote as a teenager!
It is weird looking back! But it wouldn't have felt right to release my first record and not have those songs.
When did you start playing guitar?
When I was 13. I wanted drums and I never got them - but then my brother got a guitar he didn't want.  He wrote one song and I stole the guitar because he wasn't using it!
What's the first thing you played?
My dad taught me Everybody Hurts by REM and then I went onto the internet and taught myself using YouTube and UltimateGuitar.com
How long did it take for you to start writing your own songs?
Not very long. Sea Creatures is a two chord song because that's all the chords I knew when I wrote it.
Who was the first person you played one of your songs to?
Probably my GCSE music class but it might have been my parents. Both happened around the same time.
Did you get a lot of encouragement from them?
My parents didn't believe I'd written the songs! They were quite overwhelmed when I said, "genuinely, I wrote this and here's the proof and here's the demos," because I'd never shown any sort of interest in music.
They were like, "how did you know how to produce this? How did you know how to write it?"
It's a good question. How did you know?
Music was the first hobby I really had. It was the best way for me to talk about things without having to have a conversation with someone else.
I could sit and play and sing, then write down everything in my head. And from that, I could understand what I was trying to say a lot better.
Where did the name Soak come from?
I was trying to figure out a stage name and I knew I didn't want to use my own name. So my mum suggested Soak and I was like, "well that sounds cool". And then she said, "it's a combination of soul and folk," and I was like, "hmm, not that part!"
Is it true that Sea Creatures sparked a bidding war?
Not necessarily a bidding war. But when I was about 15, I started uploading things online to the BBC Introducing website and stuff, and that's when I suppose word got to London about what I was doing. A&R men started getting interested and they'd fly over to Derry to introduce themselves.
Did that turn your head?
It was kind of scary. I was 16 and being offered record deals lasting 15 years, which was double the age I'd lived.
But my parents were cool and had their heads screwed on. They told me I had time to decide what I wanted to do, and I didn't have to jump at the first thing that was offered.
What happened to school at that point?
I finished my GCSEs but I [lost] any involvement or enthusiasm for school.
Then I got into music college - but just as I started, everything started kicking off. We were getting offered really good support slots and festivals and I had to turn them down.
At one point I just decided, "I'm not going to let a potential career pass me by". I knew I'd have more fun going out and actually doing things, rather than sitting in school being told the correct, elegant way to sing.
When it came to making the album, did you re-record the old songs?
Oh, yes. The original recordings would have been ridiculous! But I kept most of the lyrics true to when they were originally written.
The opening line, "a teenage heart is an unguided dart", is very striking.
I think it's the defining lyric of the whole record. Being a teenager is an important time for everyone. It's the stage where you grow up, where you realise a lot of things.
What were your teenage years like?
I don't know what to compare it to, but for me, it was a relatively normal teenage upbringing. I had the usual ups and downs. My parents divorced at one stage but overall it wasn't ridiculously terrible.
Is Blud about your parents?
Yeah - hearing an argument and lying on the floor of my room so I could hear what was going on.
How do they feel about that?
I don't know! I've never asked them properly. My dad's never said anything and my mum jokes about it - "oh, I have to hear that song about me and your da on the radio all the time".
But they get that I write because I have to and I'm just being honest about it.
On the other end of the scale, you've got a few upbeat, poppier songs like Garden.
Garden's like a classic pop song. It's a classic summer romance idea - which I hate because it sounds lame.
So lyrically it's a bit generic - but it's supposed to be.  It's about when you're 16 and it's summer and you're off school and everybody's a bit romantic and delirious.
And now that you're touring with a full band, do you finally get to play those drums you wanted when you were 13?
I've had access to a kit for about five years because I bought one when I started gigging. So on the album I drummed on Blud and a few of the other tracks.
So will we see you going full Dave Grohl and drumming on stage?
Potentially! Maybe! It could happen.
Before We Forgot How To Dream is out now on Rough Trade records.


The security situation in the Central African Republic is getting even worse despite the inauguration of a new leader, the UN human rights chief says.

"Muslim civilians are now extremely vulnerable," said Navi Pillay.
Her statement came as a Muslim and Christian leader met British Prime Minister David Cameron to lobby for more international assistance.
About a million people - 20% of the population - have fled their homes during months of religious violence.
"I call as a matter of utmost urgency upon the international community to strengthen peacekeeping efforts... Many lives are at stake," said Ms Pillay.
France, the former colonial power, has 1,600 troops in CAR, working with some 4,000 from African countries.
Last week, new President Catherine Samba-Panza said this was not enough.
Since the country's first Muslim leader Michel Djotodia resigned earlier this month, there have been widespread reports of revenge attacks on Muslim civilians.
Members of the Christian majority said they were attacked by members of Mr Djotodia's former rebel group who installed him as leader last year.
But Archbishop of Bangui Dieudonne Nzapalainga and Imam Oumar Kobine Layama, president of the Islamic Central African community, said the unrest was caused by politicians.
"This is not a religious crisis; it's a military-political crisis," Mr Layama told the BBC's Focus on Africa programme.
"We need help for the population, because all our infrastructure is gone, shattered. There is no education, no health care, no medicine," he said before meeting the British prime minister.
"Homes have been razed and famine is on the horizon if we do nothing."
Catherine Samba-Panza was sworn in last week by the interim parliament.
The businesswomen is seen a politically neutral.
CAR is rich in gold and diamonds but years of unrest and poor governance have left most of its 4.6 million people in poverty.


Cardiff and the surrounding area would be "ideal" as the new home of Channel 4, the Welsh Government has said.

Responding to a consultation on the broadcaster's future, officials told UK ministers the channel could do a lot more "to deliver for the people of Wales".
English cities including Birmingham, Manchester and Liverpool have also made the case for relocation.
Channel 4 said there were substantial risks if it were to move out of London.
It said spending more money on commissioning programmes from production companies in Wales and the other nations and regions would be "the most effective single means of increasing economic impact" across the UK.
Channel 4 has welcomed the Conservative government's decision, after an 18-month review, to rule out privatisation.
But its response to the UK government's 12-week consultation does not contain specific plans about how to increase its contribution outside London.
UK Culture Secretary Karen Bradley said she was "unsympathetic towards those who recoil in horror at the very idea of media jobs being based outside the capital".
The Welsh Government said the risk of moving Channel 4 "could be significant if the location isn't chosen wisely" but "Wales - and especially the production hub already thriving around Cardiff and the south - is an ideal candidate for such a relocation".
It pointed to Sherlock, Born to Kill, Journey's End and others as "made in Wales" productions.
Channel 4 Productions in Wales in 2016
SOURCE: Channel 4 Consultation Submission
Despite recognising its current "positive and productive relationship" with Channel 4, the Welsh Government said the broadcaster "must change" if it is to have a greater impact in Wales.
It said: "It is regrettable that two years after the chief executive of Channel 4 made a very positive visit to Wales... [it] still has no permanent base and no commissioning staff in Wales."
It also called for Channel 4 to be set a specific Welsh quota for programming hours and spend.
Currently, the broadcaster must spend 3% of its commissioning hours and finances in Wales, Scotland and Northern Ireland, rising to 9% by 2020.
The Welsh Government said it was an "unambitious, unchallenging target" given a "simple population share would equate to 5%" of programming and money coming to Wales.
Cardiff council has also called for Channel 4 to relocate its 800 staff to the Welsh capital.
But Teledwyr Annibynnol Cymru (TAC), which represents about 50 production companies in Wales, said the channel should "have some form of established permanent presence in Wales" rather than move completely out of London.
Media analyst Toby Syfret said there was a "very limited case for relocation".
"However, what we have seen in the last three or four years is that Channel 4 is a political football, which has been used to express political thoughts," he said.
A Channel 4 spokesman said: "Channel 4 already delivers a significant impact in the UK's nations and regions and we want to continue to work with the government as part of its consultation to explore meaningful ways to grow this further and support jobs, investment and growth in the creative economy across the whole of the UK."
The UK government is now considering the consultation responses.


The scale of devastation wreaked on Germany by RAF Bomber Command in World War Two has been revealed in detail in rare maps, published for the first time.

The bomb damage diagrams are aerial photographs of Berlin, Cologne and Dresden, overlaid with coloured areas indicating how much damage was caused by the strategic bombing campaign.
They were included in the campaign's so-called Blue Books - used as propaganda to justify the bombing raids.
The maps, held in the Imperial War Museum's archives, have been collated by military cartography historian Peter Chasseaud.
On the following four maps, colour coding is used:
Numbers are used to mark buildings of interest like key factories, German ministries and the Gestapo headquarters.
Almost half of the 125,000 Bomber Command lost their lives, and their military commanders' policy of large-scale area bombing near the end of the war has long drawn criticism.
The young volunteers of Bomber Command destroyed German cities with several "thousand-bomber raids", killing between 300,000 and 600,000 civilians.
This aerial image of Cologne is from November 1944. The area to the west of the river, almost all coloured in dark blue, indicates the city centre.
Cologne had been the target of Britain's first "thousand bomber raid" on 30 May 1942.
"By this point, Cologne had been bombed many times," said Dr Chasseaud. "This image shows the result of many raids."
Studying the aerial photographs showed how much of the city had been destroyed - for example, if a shadow could be seen inside a wall, that meant its roof had collapsed.
Showing the most densely populated areas also indicated potential future targets.
The two images of Berlin show how much the city had suffered during World War Two.
The first shows north west Berlin in December 1943, with the second image depicting north east Berlin in March 1945.
The raids - carried out by the United States Army Air Forces by day and the RAF at night - had become increasingly destructive from 1943 onwards.
This Blue Book image shows Dresden in March 1945, just months before the end of the war. The city centre can be seen south of the river - largely in blue.
Dresden had been heavily raided the previous month, on 13 and 14 February, with more than 1,000 planes involved.
Some 25,000 people were killed in a firestorm and 75,000 of its 220,000 homes were destroyed.
British fire hazard maps, which show the areas of Berlin and Hamburg most susceptible to fire, are also being published for the first time.
This 1944 map of Hamburg was produced to show which areas of the city would burn the most easily, said Dr Chasseaud.
The fire hazard maps are coded red, for areas of high flammability, pink, for areas of medium flammability and purple, showing industrial areas and docklands.
Areas that have already been destroyed are left blank and again, numbers are used to mark buildings of special interest.
There are fewer areas in red on the Berlin fire hazard map, dating back to 1944, as it wasn't considered as easy to burn as some other cities, like Hamburg (above), said Dr Chasseaud.
This is because it wasn't a medieval wooden city, its buildings were not as close together and the centre of the city was more spacious than some others.
Dr Chasseaud explained: "I think it's important that maps like these, showing a very controversial episode from the war, notably the strategic bombing campaign, are in the open.
"There was a lot of opposition to the strategic bombing of Germany and debates fought in Parliament, and it's worth remembering that even during the war, people were speaking out against government policy and 'carpet bombing' in particular. There were huge civilian areas being targeted."
So-called carpet bombing - widespread bombing attacks - by the Allies became policy in 1942 after they decided that bombing a whole city was more effective than a more targeted approach.
Dr Chasseaud said there was a real "moral dilemma" over bombing civilian targets - adding this was a dilemma that remains today. Pinpoint bombing was seen as a "diversion" by Sir Arthur "Bomber" Harris, head of Bomber Command.
"His main aim was to break the civilian population and bring war to an end that way," he said. "But he was wrong. Civilian morale never cracked, as it never did in the UK.
"It's quite clear from these maps that Bomber Harris had his own private agenda and was very keen to propagandise on his own behalf, and that of Bomber Command."
Dr Chasseaud stressed that the casualties from Bomber Command "should never be forgotten", along with the casualties in Germany - which were "even worse".
The Blue Books held by the Imperial War Museum were owned by the British Joint Staff Mission in Washington DC, who had been responsible for handling copies destined for then US President Franklin D Roosevelt.
Only a small number of the books, which were intended to show how effective the RAF campaign was compared with their counterparts in the US, were ever produced.
More than 150 maps from the Imperial War Museum are being published in Dr Chasseaud's book, Mapping the Second World War, published by Collins on 8 October.


League Two club Morecambe have been taken over by Brazilian businessman Diego Lemos, subject to consent from the English Football League.

Lemos has bought a majority shareholding from Peter McGuigan.
Chairman McGuigan has owned the Shrimps for 16 years and oversaw the club's relocation to the Globe Arena in 2010.
When he put Morecambe up for sale in March, he said he hoped a new owner would aim to take them into League One in three years.


A campaign has been launched to save a breed of cattle that has roamed a Carmarthenshire park for more than 1,000 years but is now said to be rarer than the giant panda.

The White Park Cattle have been at Dinefwr, near Llandeilo, since 920 and were referenced in laws of Hywel Dda.
But there are now 750 breeding heifers left in the world and the Carmarthenshire herd needs a new bull.
The National Trust has started a campaign to keep the bloodline alive.
Characterised by pure white coats and black noses and ears, the National Trust said the small number of breeding heifers made it rarer than the giant panda.
It cited the World Wildlife Fund figure that there were 1,864 giant pandas left.
There are 13 White Park Cattle at Dinefwr, but action is needed to stop that number dropping.
"After four years of distinguished service, the current bull, Strelley Bendigo, has maximized his potential within the herd," said Wyn Davies, who looks after them.
"A new male needs to enter the herd to preserve the bloodline and make sure the bulls bred on the land are true to species."
The National Trust is trying to raise Â£36,000 to buy a new bull and cows.


Investigators looking into the death of a Fife man in police custody are trying to trace the drivers of nine cars seen in the area at the time of his arrest.

Father-of-two Sheku Bayoh, 31, was held following an incident in Hayfield Road, Kirkcaldy, on 3 May.
He died of suspected asphyxia after being detained by officers responding to reports he had brandished a knife and attacked cars in the area.
Relatives of Mr Bayoh claim police told them five versions of what happened.
No official cause of death has been confirmed and the investigation into the incident is continuing.
The Police Investigations and Review Commissioner (PIRC) is probing his death.
The independent commissioner has scoured CCTV footage taken from Hayfield Road and Hendry Road in Kirkcaldy on 3 May.
Investigators want to speak to drivers of nine vehicles which were seen in the area between 07:10 and 07:25, and who "might have information relevant to the ongoing investigation".
The PIRC has also released CCTV video clips which can be viewed from its website.
The images show:


US Ryder Cup captain Tom Watson says his team will be targeting Europe's best player and talisman as they seek to overturn golfing logic and recent history this week.

The US have not won on European soil for 21 years, while the home team count in their ranks the world's top-ranked player in Rory McIlroy and three of this year's four major champions.
But Watson, returning to the country where he won four of his five Open championships, believes his unheralded team can bring down both McIlroy and Europe's great inspiration two years ago, Ian Poulter.
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Watson, 65, said:  "When you beat the stud on the other side, it gives a boost to your team.
"The bottom line is that if each of your players wins more than they lose, we win as a team. That is what I have told our team.
"Poulter, he's an 80% victor over the matches he has played in. We would like to reduce that."
Watson, the oldest captain in the contest's 87-year history, wants revenge for the shock defeat at Medinah in 2012, when they led 10-6 going into the final day's singles only to lose eight and draw one of the 12 matches as a Poulter-led Europe pulled off one of the great Ryder Cup comebacks.
Only seven of that American dozen have made it to Gleneagles, but Watson - captain when the US won at the Belfry in 1993 - said: "I have made it very clear to them that this trip is a redemption trip.
"Those players that played on that team… it's time to make amends and try to redeem yourselves from what happened in 2012. I think it's a motivation rather than a negative.
In addition to McIlroy, winner of both the Open and US PGA this summer, Europe's team contains three more of the world's top six ranked players and US Open champion Martin Kaymer.
Only once since 2002 - at Valhalla six years ago - have they lost the Ryder Cup.
"I think we're slight favourites," said captain Paul McGinley. "We're not overwhelming favourites.
"But we have been favourites before in Ryder Cups. I think our players have deserved it, and I think it's a situation to embrace."
McGinley, 47, said his side should not be "afraid" or "ashamed" of being favourites - and warned they face a "very tough contest".
He added: "The guys have worked very hard to be in the position they are.
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"Having said that, I did a bit of calculation myself when the two teams were formulated, and Tom's team's average ranking position was 16 and ours was 18. So this is not a weak American team.
"We might be slight favourites with the bookies, but the two teams are very well balanced and very close together."
Both teams arrived in Perthshire on Monday, with McIlroy one of the first on the driving range set up alongside the substantially redesigned Centenary course.
McGinley insisted there were no problems between the 25-year-old and his fellow Northern Irishman Graeme McDowell.
McDowell, 35, admitted in his BBC Sport column that the lawsuit McIlroy has filed against his management company had put a strain on their relationship, but stressed he would love to be paired with his compatriot again.
Yet McGinley may have other plans ahead of Friday morning's fourballs.
He said: "Both of them have assured me all along that there's no issues, and that's the way I've always seen it. Whether they come together or not is another story.
"Three or four months ago, I had a very strong view that they would have been, but the more I look at their statistics and the more I look at the different value I have with them, I'm thinking there may be a value in not doing it.
"But if I don't decide to play them, it would be for tactical reasons. It won't be for any other reasons.
"They have played six Ryder Cup matches and they have only won two together. It's not like these guys are written in stone."


Transformers star Shia LaBeouf has pulled out of his forthcoming Broadway debut in Lyle Kessler's play Orphans.

The actor was due to appear opposite Alec Baldwin and Tom Sturridge when previews begin on 19 March.
Producers have cited "creative differences" as the reason and LaBeouf has since posted emails suggesting he and 30 Rock's Baldwin did not get on.
Set in Philadelphia, the story depicts two orphaned brothers who kidnap a wealthy man, played by Baldwin.
According to the Hollywood Reporter, director Daniel Sullivan "became worried" about the actor's "performance choices".
On Wednesday 21 February, LaBeouf tweeted an audition video for Orphans and screenshots of email exchanges between Sullivan, Baldwin and himself.
LaBeouf made an apology to Baldwin for his part of what he described as a "dis-agreeable situation."
Sullivan's response read: "I'm too old for disagreeable situations.  You're one hell of a great actor.  Alec is who he is.  You are who you are.  You two are incompatible.  I should have known it.  This one will haunt me.  You tried to warn me.  You said you were a different breed.  I didn't get it."
Another screenshot shows an email from Baldwin to LaBeouf.
The 30 Rock star said: "I've been through this before. It's been a while. And perhaps some of the particulars are different. But it comes down to the fact that what we all do now is critical.
"Perhaps especially for you. When the change comes, how do we handle it, whether it be good or bad? What do we learn? I don't have an unkind word to say about you. You have my word."
LaBeouf later posted via Twitter an email from a bemused Tom Sturridge who said he didn't understand what happened.
British actor Sturridge said of LaBeouf's role: "I was stunned by the work you were doing, the performance you were giving. I think you lifted the play to a place higher than maybe it deserved to be."
The revival of Kessler's 1983 play at the Schoenfeld Theatre opens officially on 7 April.
Producers plan to announce a replacement soon.


A former health secretary says an "incredibly difficult" two years await the NHS and social care in England.

Lord Lansley, health secretary from 2010-12, said he was "disappointed" that more funding was not announced in the Autumn Statement.
Tory council leader Izzi Seccombe said funding was needed now and councils had been "cut to the bone".
But Prime Minister Theresa May said ministers were already working to ease the situation.
Funding cuts to council-run social care in England have been blamed for a big increase in patients stuck in hospital beds because care cannot be arranged elsewhere.
But the chancellor did not specifically offer new resources either for the NHS or social care when outlining the Treasury's plans on Wednesday, only confirming that ministers would be sticking with departmental spending announced last year.
Speaking in the debate following his statement, Mr Hammond referred to an extra £10bn in money for the NHS by 2020-21 - which itself has been questioned by the health select committee and others.
You stay in your own home while getting help with everyday tasks such as washing, dressing and eating.
average amount of care provided per week, by your council
average paid per hour by your council, 2014-15
average paid per hour in your region if you pay for your own care, 2016
You live in a care home that provides round-the-clock support with everyday tasks.
TBC pay for their own care
You live in a care home which provides round-the-clock support for everyday tasks and nursing care. Depending on your medical needs, the NHS may contribute to your costs.
TBC pay for their own care
Savings, investments and income are assessed, along with the value of your home - unless you or a close relative live there.
Lord Lansley, who was health secretary during the early years of the coalition government, told BBC Radio 4's World at One he had thought "a substantial change in departmental expenditure was pretty unlikely" in Wednesday's statement.
But he added: "Not being surprised doesn't mean I wasn't disappointed. The next two years are going to be incredibly difficult and I think the time is now for trying to put some measures in place to try and help health and social care through those next two years."
He said improving social care provision could help tackle many of the "underlying problems" of the NHS: "I don't think that necessarily demands a lot of extra public funds, what it does mean however is the implementation of the plan that we put together in the last Parliament from the Dilnot Commission."
The independent commission recommended that social care costs be capped at £35,000 so people did not face losing much of their assets - Lord Lansley said it was not implemented at the time "because the Treasury didn't like it".
The government allowed councils to increase council tax by 2% this year to spend on care - but councils have claimed this is not enough to plug the shortfall in their care budgets because of the wider squeeze on their funding.
Speaking on Thursday, Prime Minister Theresa May said: "I recognise the concerns and challenges around social care. By the end of this parliament, the local authorities will have £3.5bn more to spend on social care and of course we're putting more money into the health service as well.
"But we need to see the health service and social care working together that's why the health secretary and the local communities secretary are appraised of the need for the challenges faced and are looking at this issue."
NHS: Budget controlled by NHS England and pays for hospitals, GPs, district nursing and mental health care. Services are provided free at the point of need.
Care: Budget controlled by councils and pays for care home and nursing home places as well as support in the home for tasks such as washing and dressing. Services are means-tested so only the poorest get help towards their costs.
But Conservative Warwickshire County Council leader Izzi Seccombe told the BBC councils had been "cut to the bone" and the funds available did not meet the demands of paying a national living wage as well as the needs of an increasing elderly population.
"By the end of 2020 we will see that amount coming in but the need is now, it is a tapered amount which will increase to the end of 2020 - right now we have a £1.3bn gap which is not being funded."
And Siva Anandaciva, head of analysis at NHS Providers which represents NHS trusts, said funding was failing to keep pace with soaring demand for NHS services - illustrated by longer A&E and operation waiting times and fewer people getting council-funded social care. The lack of announcement from the chancellor had been "very disappointing".
Labour leader Jeremy Corbyn said he had been "utterly astonished" there had been no a mention of the of the NHS or of social care.
"There's an NHS funding crisis and there's a social care crisis in Britain. The solution has to be more money going in to it to pay for the services that are necessary and to reduce the level of bed blocking."


When you last went on away on a trip, how did you arrange your accommodation?

Chances are that you found a hotel room on the internet. Perhaps you booked it through an online travel agent (OTA) such as Expedia or Booking.com.
Maybe you checked out hotel reviews on a site such as TripAdvisor.
Or possibly you didn't even consider staying in a hotel, preferring instead to find somewhere to stay via Airbnb or another home-letting company.
All these developments are taking their toll on the traditional hotel industry. But for now, the one that worries hotel bosses most is the increasing power that online travel firms wield over them.
The hotel trade is highly fragmented. The biggest operator worldwide, Intercontinental Hotels Group, has about 4,500 hotels. In contrast, Booking.com lists 500,000 hotels worldwide.
As a result, OTAs are able to charge ever higher levels of commission. If you booked your hotel room through one of them, they could easily be receiving a quarter of the money you paid for it.
This week, Best Western UK chief executive Richard Lewis sounded off at the World Travel Market in London about the effect of this on the hotel business.
"The customer will not pay the rates we are having to charge if 25% goes out of the window before the guest even arrives," he said.
Of course, the online agencies argue that they are doing a lot of promotional work on behalf of the hotels. Any independent family-run hotel can have its own website, but it will not have the same online presence as Expedia, which invests heavily in advertising.
In return, OTAs want the right to offer the cheapest rates and take a sizeable commission.
It's a complicated business, as UK trading watchdogs have found after a botched attempt to regulate the issue.
In July 2012, the Office of Fair Trading (OFT) ruled that discount deals struck by Intercontinental Hotels with Booking.com and Expedia were contrary to competition law.
Then, in January this year, it changed its mind, saying that consumers could benefit from price cuts, either from an agent or the hotel itself, as long as they signed up to a membership scheme and had previously booked a room at the full rate.
These discount offers could not be shared with anyone outside the "closed group" of people entitled to benefit.
But in September, that messy compromise was thrown out by the UK Competition Appeal Tribunal after hearing objections from Skyscanner, a price comparison service that trawls the web to find cheap deals.
Skyscanner argued that it could not offer its customers the best price available if that price was not to be found on the internet, available to all. So now the Competition and Markets Authority, which has replaced the OFT, has been told to reopen the investigation.
You may be wondering where the customer fits into all this. Well, the good news is that hoteliers are thinking about that as well.
Best Western's Richard Lewis says that people may visit as many as 17 different websites before booking a room online.
"If they only spend 10 minutes on each website, that's not very long," he said at the World Travel Market. "But they're going to spend a minimum of eight hours in that room. There's an opportunity there."
Essentially, the hotel industry is realising that it needs to do more to encourage repeat visits: to ensure that a guest who discovered a hotel through an OTA will book directly with the hotel next time.
Cho Wong, managing director of Supranational Hotels, says 30% of bookings at the 800 hotels in his chain come from Booking.com.
"We need to learn from other retailers," he says, pointing out that supermarket chains have long used promotional offers to build a loyal customer base. "If you have a voucher so that next time you get 20% off or free drinks at the bar, you will come back."
Another way for hotels to regain the initiative is to offer what Mr Lewis calls "price parity, but product disparity".
In other words, since the OTAs will not let hotels offer lower prices to customers who book direct, the hotels could offer other sweeteners, such as free breakfasts, a free bottle of wine or some other incentive.
But the travel industry is a fast-moving business and the impact of "disruptive" technology may not yet have run its course.
Industry insiders reckon it is only a matter of time before internet giants Google and Facebook enter the online travel business in their own right, putting Expedia and Booking.com under pressure from a new direction.
Meanwhile, so-called "peer-to-peer" travel, which allows travellers to stay in other people's homes rather than in hotels, is also growing.
According to a survey of 1,011 UK holidaymakers carried out for the World Travel Market 2014 Industry Report, 9% have booked a holiday through a peer-to-peer site such as Airbnb, Housetrip or HomeAway.
Of that admittedly small percentage, 86% say they would do it again.
Dorian Harris, founder of discount booking website Skoosh, sees Airbnb and its rivals as "the biggest threat or challenge to the hotel industry of all".
He sees them as "absolutely primed" to grab market share from the hotel trade, thanks to what he calls "infighting among hotels at the cost of customer service".
And talking of customer service, disgruntled hotel guests now have online outlets for their frustration, with sites such as TripAdvisor giving them the chance to write reviews after their stays.
Mr Lewis says TripAdvisor has raised people's expectations of hotels, "and that's a good thing".
He warns that there is now "no hiding place" for bad hoteliers.
But users of Airbnb should be wary: just as they have the right to pass judgement on the accommodation provided, the people whose houses they stay in have the right to review them as well.
Technology is forcing the travel industry to be more transparent in many ways, but as a consequence, travellers themselves are likely to come under more scrutiny.


WBA and IBF middleweight champion Gennady Golovkin has been handed the WBC title after Mexican Saul 'Canelo' Alvarez vacated the belt.

Alvarez, 25, stopped Briton Amir Khan in the sixth round of their Las Vegas bout on 7 May to retain the title.
The WBC had given Alvarez a deadline of 22 May to begin negotiations with WBA and IBF champion Golovkin or face being stripped of his title.
But Alvarez says he will now target a fight against the unbeaten Kazakhstani.
"I'm hopeful that by putting aside this ticking clock, the two teams can now negotiate this fight," said Alvarez.
Alvarez, whose only professional defeat came against Floyd Mayweather in 2013, added that he had instructed his promoter to "finalise a deal as quickly as possible".
Golovkin, 34, who now holds three of the four major middleweight crowns, has won 32 of his 35 fights by knockout in an undefeated career, and was invited into the ring after Alvarez's win over Khan.
"I will fight 'GGG' and I will beat 'GGG' but I will not be forced into the ring by artificial deadlines," said Alvarez.


A second man has been arrested in connection with the disappearance of a 50-year-old woman police now believe was murdered.

Natalia Doherty was last seen on 15 April 2003 in Eastbourne, where she was living at the time.
On Wednesday a Luton man, aged 66, was arrested on suspicion of assisting an offender and preventing a lawful burial
Last week a 71-year-old man from Port Glasgow, Inverclyde, was arrested on suspicion of the same offences.
A house in Icknield Way in Luton has been searched as part of the investigation.
When Ms Doherty disappeared she was thought to have travelled to Luton to stay with her ex-husband, Gerald Doherty, who has since died.
Officers from the Bedfordshire, Cambridgeshire and Hertfordshire major crime unit launched an investigation in January 2014 into the case, which has led them to believe Ms Doherty was murdered in 2003.
A police spokesman said: "Proof-of-life enquiries have since failed to show any sign she is alive.
"Investigators are keen to trace Natalia's final movements and anyone who recognises her or Gerald from their time at the now-demolished pub, the Regents Arms in Hastings Street, Luton, or has any information relating to her disappearance, is asked to contact the police."


Celtic manager Ronny Deila insists he is not worried about his future after his side's lead at the top of the Premiership was cut to three points.

The league leaders lost 2-1 to nearest challengers Aberdeen at Pittodrie.
"I'm not thinking of that," said Deila when asked if he was concerned. "I'm thinking of training the team and I see a lot of talent there.
"I know we're going to get better and I know also that, still, we are in a very good position to do good things."
The Norwegian says he is "used to" questions being asked about his position but maintains his focus is on working with the squad.
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"What I'm thinking about is winning the title and working everyday to improve the team and that's what we're going to do," he explained.
"There's a lot to play for. Everything is in our hands and we're going to fight to the bitter end to get this title.
"I'm confident that we have the skills in the team to do that but it's going to be tough because Aberdeen is getting better and we have to give credit to them as well.
"We didn't score early enough, it was too late when Leigh [Griffiths] scored.
"Inside the box at set-play, they get a couple of opportunities where we need to be stronger.
"We should have used [Colin] Kazim-Richards even more because he is strong and he kept the ball up for us and we created some chances through that but it was not enough to win."


Triple Melbourne Cup runner-up Red Cadeaux has been put down after suffering an injury in the race.

His British trainer Ed Dunlop said: "This is my saddest day in racing. Red Cadeaux was a much-loved member of our family."
The horse was injured in the Australian race on 3 November, but it had been hoped he would recover, until complications set in.
Red Cadeaux won seven and finished second in 13 of his 54 races.
Owner Ron Arculli said the popular nine-year-old gelding's final resting place would be at Flemington Racecourse where he was second in the Melbourne Cup three times.
"For a race that stops a nation we were lucky to have a horse that touched a nation. We will miss Red Cadeaux dearly," he said.
Red Cadeaux was euthanised on Friday after blood stopped flowing to the foot on his injured left foreleg.
"Unfortunately the complication was irreversible and the decision to euthanise the horse, whilst terribly hard, was made in his best interests," said Dunlop.
Ridden by Gerald Mosse, the horse was pulled up injured in the race won by Prince of Penzance, whose jockey Michelle Payne was the first female rider to triumph in the race.
"Red Cadeaux has given us and the racing public so much joy competing with great distinction across the world," said Newmarket trainer Dunlop.


Part of a Gwynedd beach has been closed after a member of the public found a suspected explosive device, North Wales Police has said.

Officers were alerted to the find just south of Porth Neigwl (Hell's Mouth), near Abersoch on the Llyn Peninsula, at about 16:00 GMT on Sunday.
Police and members of the coastguard placed a 100m (330ft) cordon around the object.
The Ministry of Defence confirmed it was possibly some kind of ordnance.
Explosive experts are set to detonate the device on Monday morning to make it safe.


An Essex cockerel is set to enter the record books as the "world's tallest".

Little John, a one-year-old Brahma cockerel at Mountfitchet Castle near Stansted, is 26in (66cm) tall.
His owners at the medieval village tourist attraction said he was 2in (5cm) taller than another of their cockerels, who was already a Guinness World Record holder.
Little John will not be fully-grown for another year so staff said they expected him to get taller still.
Brahma cockerels are an Asian breed which originated in China.
"They were brought over to the UK by the Romans, so they're really an old English breed now," a spokesman for Mountfitchet Castle said.
They come in three varieties - light, dark and buff.
Little John is a light Brahma.
The castle already has two official Guinness records for their Brahma cockerels.
Bertie and Melvin were 16.1in (41cm) and 24in (61cm) tall respectively, but as Little John is taller still, staff said they had no doubt he would take the new record.
They put Little John's "impressive height" and growth down to the number of visitors feeding him, the spokesman said.


Ten men have been jailed for their parts in the armed robberies of two Teesside jewellers.

The gang stole watches and diamond jewellery worth Â£637,000 from the Market Cross stores in Yarm and Middlesbrough in November 2014 and January last year.
All but one admitted their roles in the raids which saw staff threatened with weapons including a handgun.
An eleventh man was given a suspended sentence.
Police caught one of the gang, David Patmore, up a tree trying to destroy his mobile phone after he had led them on a 70mph pursuit in the dark with his car lights off.
With police surrounding him, he shouted: "I'll be down in a minute, I just don't want you to have my phone," Teesside Crown Court heard.
Patmore and another man, Shaun Booth, were also jailed for stealing high-end jewellery, including necklaces, rings and Rolex watches with a total value of around Â£1m, from Fattorini jewellers in Parliament Street in Harrogate in December 2014.
The following sentences were handed out to six men from Manchester who admitted conspiracy to commit robbery: Samuel Hughes, 29, was jailed for 12 years; David Patmore, 32, jailed for 19 years six months: Joseph Donovan, 25, jailed for 12 years: Jamie Scott, 28, jailed for 12 years: Liam Wright, 25, jailed for 10 years and Shaun Booth, 29, received 12 years eight months.
Two other men from Cleveland, Antony Northmore, 35, and Scott Northmore, 20, received 10 years and four years respectively.
Ian Ogden, 26, from Manchester, had denied two counts of conspiracy to commit robbery but was found guilty after a trial and jailed for seven years.
Billy Jo Thompson, 25, also from Manchester, was jailed for a year after admitting assisting an offender and possessing a prohibited weapon.
Christopher Worgan, 32, from Manchester, was given a 12-month prison sentence, suspended for two years, after admitting assisting an offender.
Speaking after sentencing, Det Chief Supt Peter McPhillips, from Cleveland Police, said: "Shockingly these robberies took place in broad daylight and involved innocent members of the public and staff being threatened with violence and weapons.
"In the case of the Yarm incident, these weapons included axes and a handgun.
"Staff showed great bravery in the immediate aftermath of the robberies and as the investigation progressed the help they gave police was invaluable.
"Some of them were badly affected by what happened and I hope today's sentences will reassure them that the people responsible face a lengthy time behind bars."


Ireland women suffered a 38-8 defeat by New Zealand after a disappointing second-half display in Dublin.

Selica Winiata scored an early try for the Black Ferns but Ireland were only 5-3 behind at the break.
New Zealand surged clear in the second half with three tries from Portia Woodman while Winiata and Kelly Brazier also touched down for the tourists.
Niamh Kavanagh went over for a late consolation try for the Irish at the UCD Bowl.
The try was converted by full-back and captain Niamh Briggs, who returned to the team after missing the defeats by England and Canada because of a hamstring injury.
It is the first time Ireland have failed to win any of their games in the November Series.
Ireland: Niamh Briggs; M Coyne, N Fowley, S Naoupu, C McLaughlin; N Stapleton, L Muldoon; L Peat, C Moloney, A Egan; ML Reilly, O Fitzsimons; C Griffin, C Molloy, P Fitzpatrick.
Replacements: L Lyons, F Hayes, F Reidy, N Fryday, C Cooney, M Healy, J Shiels, N Kavanagh.


A man who was found with fatal injuries in a Derby street may have been hit by a car which did not stop.

The unnamed 74-year-old victim was found in Coronation Street, in the Pear Tree area, just after 05:00 BST on Thursday, Derbyshire Police said.
He died several hours later and a post-mortem examination showed he had suffered head and chest injuries consistent with being hit by a vehicle.
Officers are trying to trace a dark hatchback car seen in the area.
Detectives said they were particularly interested in speaking to anyone who was in the area of Coronation Street, Princes Street, Holcombe Street or Harrington Street between 04:00-05:00 BST on Thursday or anyone who saw a collision.
They are also asking local garage owners to get in touch if anyone has brought a damaged car in for repair.


Just Eat's Â£200m plan to take over rival food delivery service Hungryhouse faces a hurdle.

The proposed deal has been referred for an in-depth investigation by the Competition and Markets Authority (CMA).
Both companies take online orders from customers and act as delivery middle men between them and restaurants.
However, the CMA is worried that the combination of the two companies could mean worse terms for the restaurants.
The probe will run until November this year.
Earlier this month, Just Eat noted that the CMA intended to begin an in-depth investigation and said it was "committed to demonstrating to the CMA that the market is, and will remain, competitive following completion of the proposed transaction".
The home delivery sector is a hotbed of competition, with Uber and Deliveroo also active in the sector.
Just Eat began in Denmark in 2001 but is now based in London.
As well as spending Â£200m on the Hungryhouse deal, Just Eat announced in December it was planning to expand in Canada by taking over SkipTheDishes there for 110m Canadian dollars (Â£66.1m).


A group of food waste campaigners from Bristol who travelled to a Greek island to help feed refuges are looking to expand their operation.

Volunteers from the Skipchen organisation travelled to Lesbos in November to build a field kitchen.
Sam Joseph, co-founder of Skipchen, said other bodies had seen their work and want them to repeat the project on other islands.
The group had previously run a cafe in Bristol stocked with unwanted food.
Mr Joseph said they had always planned to return home once the Lesbos kitchen was up-and-running with local labour.
He said other agencies had seen their operation, next to the Lesbos migrant centre, and had asked if they would set up on other nearby islands where refugees are also landing.
Mr Joseph added many of those arriving were "heavily-traumatised" yet "full of hope" for their future.
"It's been a real learning curve working in these environments," he said.
"Sadly I don't think we're going to see these problems get better in the future... if anything they might get worse."
Earlier this week at least 34 people drowned off the coast of Turkey after their boats sank during an attempted crossing to Lesbos.
The narrow stretch of water is one of the key crossing points for the significant number of refugees and migrants from Syria and other countries trying to reach the EU.


A sculpture honouring Spiders From Mars guitarist Mick Ronson has been unveiled in his home town of Hull.

The 8ft guitar statue has been erected in East Park, where he worked as an attendant before gaining musical fame working with David Bowie in the 1970s.
Ronson led Bowie's backing band, Spiders From Mars. He died in 1993, aged 46, after developing liver cancer.
His sister Maggie Ronson said: "He absolutely loved his gardening job so this couldn't be more perfect.
"We're very, very happy and I'm sure he'd be very proud."
More on this and other stories from East Yorkshire and North Lincolnshire
Councillor Mary Glew, who unveiled the sculpture at a ceremony, said it was "a fitting tribute" to the musician who "left an enduring legacy to the world of contemporary music".
The sculpture was designed by 18-year-old Hull College student Janis Skodins, whose artwork was chosen in a competition.
It has been installed in the Michael Ronson Garden of Reflection, near the park's pavilion.
The sculpture is among 100 plaques and memorials honouring notable people across Hull for its City of Culture celebrations.
Fellow musician Trevor Bolder is also due to be honoured.
As well as working with Bowie, Ronson recorded several solo albums, the most successful of which was Slaughter on 10th Avenue, which reached number nine in the UK album chart.
He also played on, produced or arranged songs for artists including Lou Reed, Bob Dylan, and Morrissey.


The Spanish government has approved tough new legislation which could see websites deemed to be trading in pirated material blocked within ten days.

The legislation creates a government body with powers to force internet service providers to block sites.
It comes as the US plans to adopt similar tough new rules.
The crackdown on piracy has been welcomed by the creative industries but criticised by net activists.
Under the Sinde Law, named after the former Spanish Culture Minister Angeles Gonzalez-Sinde, rights holders can report websites hosting infringing content to a newly created government commission.
The intellectual property commission will decide whether it wants to take action against an infringing site or the ISPs providing infrastructure to it, and the case will then be passed to a judge to rule on whether the site should be shut down.
The aim is to complete the process within 10 days.
The Spanish government said that the legislation was necessary to bring it in line with international crackdowns on piracy.
It had been put on hold by the previous government but the ruling party, Partido Popular, decided to move ahead and implement it at one of its first meetings since coming to power in November.
Deputy PM Soraya Saenz de Santamaria said that the aim of the law was "to safeguard intellectual property, boost our culture industries and protect the rights of owners, creators and others in the face of the lucrative plundering of illegal downloading sites."
Campaigners said that it set a dangerous precedent.
"This is another example of bad copyright law eating away at the safeguards around freedom of expression," said Peter Bradwell from the UK's Open Rights Group.
"The same overblown demands to pare down proper legal processes are being made to the government here in the UK. Our policy makers must not throw away the keys to the internet simply because copyright lobbyists are quite good at complaining."
Opposition has been strong in Spain, with bloggers, journalists and tech professionals staging a series of protests, including writing an anti-Sinde manifesto.
Last year hacktivist group Anonymous organised a protest at the Goya Awards - Spain's equivalent of the Oscars - which saw several hundred people in Guy Fawkes masks booing the minister of culture while applauding Alex de la Iglesia, then president of the Spanish Film Academy.
The movie director had previously voiced opposition to the Sinde law on Twitter and later resigned over the issue.
The creative industries around the world have been frustrated with delays in implementing laws designed to crack down on piracy such as the UK's Digital Economy Act.
Instead many are finding new ways to use existing laws to crack down on piracy. In the UK, the movie industry body MPA (Motion Picture Association) used copyright law to force BT to block access to Newzbin, a members-only site which links to pirated material.
Following the success of the case, Sky has also agreed to block access.
In France, the government is pursuing a three strikes policy for persistent pirates. Hadopi, the body set up to administer the policy, said in mid-2011 that over the previous nine months it had been tracking 18 million French IP addresses.
It sent a total of 470,000 first warnings by email, with 20,000 users receiving a second warning through the mail.
About 10 people who appeared to ignore the two warnings were asked to come and explain their actions to the agency.
Across the Atlantic, the US law Sopa (Stop Online Piracy Act) is proving equally controversial. A series of tech firms have removed their names for a list of supporters following widespread opposition from high profile tech leaders such as Eric Schmidt.
Sopa aims to stop online ad networks and payment processors from doing business with foreign websites accused of enabling or facilitating copyright infringement.
It could stop search engines from linking to the allegedly infringing sites. Domain name registrars could be forced to take down the websites, and internet service providers could be forced to block access to the sites accused of infringing.
The founders of Google, Twitter and eBay were among a large group of signatories to a strongly worded letter to Congress criticising the legislation as censorship.
US pressure was in part responsible for Spain's current tough anti-piracy stance, following a 2008 report that found it to be one of the worst countries in Europe for piracy.
A later IDC report - The Observation of Piracy and Consumption of Digital Content Habits - commissioned by a coalition of Spain's rights-holders suggested that piracy in Spain cost legal content rights owners 5.2bn euros ($6.8bn, Â£4.3bn) in the first half of 2010.
It claimed that 97.8% of all music consumption in Spain was driven by illegal downloads, with 77% of movie downloads and 60.7% of game downloads taking place illegally in the first six months of 2010, according to a study conducted by IDC Research for the Madrid-based Coalition of Content Creators and Industries.


Share prices in Thailand fell sharply as investors reacted to the deadly bomb blast in Bangkok.

The benchmark SET index fell sharply before recovering slightly, but in late trade it was down 2.9%.
The Thai government described the attack as an attempt to destroy the economy.
Shares from tourism-related firms were the hardest hit, with hoteliers such as Erawan Group, Minor International and Central Plaza down more than 10%.
A bomb explosion on Monday evening killed more than 21 people, including eight foreigners, at a Hindu shrine in a part of the Thai capital popular with tourists.
The Thai currency, the baht, also weakened. It shed as much as 0.5%, falling to its lowest against the US dollar in six years.
The baht has been sliding against the strengthening dollar over the past few years, with a particularly steep drop since April 2015.
However, Siddharth Mathur, a currency analyst at CitiFX, was wary of linking the drop to the Bangkok blast.
He told the BBC that "the fact that the Thai baht has hit another low does not mean that the impact from the unfortunate events of yesterday are significant".
"At the margin, of course this is terrible news - leisure tourist traffic to Bangkok may suffer for a brief period, and consumer/business sentiment in Bangkok may be hurt as well - but this by itself should not materially alter any other underlying economic trends."
Chinese equities dropped on Tuesday, setting the negative trend across the region.
The mainland's benchmark Shanghai Composite fell sharply, dropping 6.2% to 3,748.16, while Hong Kong's Hang Seng index closed 1.4% lower at 23,474.97.
China's central bank set the yuan's midpoint near Monday's closing price. But the currency edged down a further 0.2% raising fresh concerns that it could fall further.
In Japan, the region's biggest market, the Nikkei 225 index closed down 0.3% at 20,554.47, after giving up gains it had made earlier in the day.
Trader mood was dampened by the weakness across the region and the mixed signals coming out of China.
The benchmark index in South Korea, the Kospi, closed down 0.6% at 1,956.26.
In Australia, investors were digesting a number of company results. Port and rail operator Asciano saw its shares rally 7% on strong earnings expectations and a buyout offer led by Canada's Brookfield Infrastructure Partners.
Fortescue Metals was the other top performer, with its shares rising 8% on news that the iron miner was contemplating the sale of some of its assets.
However, the market overall followed the region's trend into negative territory, with the benchmark S&P/ASX 200 ending the day 0.9% lower at 5,320.50.


Adam Voges said he was uncomfortable with comparisons to legendary Australia batsman Sir Donald Bradman, despite both having a Test average in the 90s.

His Australian team-mates called him "Sir Voges" after he took his average above Bradman's 99.94 before it settled on 97.46 when he was out for 239 in the first Test in New Zealand on Sunday.
"I'm happy it's back under 100, it was never going to stay there," said Voges.
New Zealand ended day three on 178-4 in their second innings, 201 runs behind.
Voges' second Test double century, which propelled Australia to 562 in their first innings, should have ended when he was bowled for seven by Doug Bracewell.
However, he was reprieved by a no-ball call, that was later shown to be a legitimate delivery by television replays.
"I thought I was out," said Voges. "But to have that bit of luck and then capitalise on the second opportunity, I'm very happy.
"It was a bad leave and I turned around and looked at the stumps, went to walk off and saw the umpire's arm out. It was a little bit of luck."
Voges' 364-ball knock, which featured three sixes and 30 boundaries, was finally ended when he was caught and bowled by Mark Craig, a record 614 runs since he was last out.
He has now scored 1,267 runs since making his debut last year at the age of 35 against the West Indies.
New Zealand openers Tom Latham and Martin Guptill put on 81 for the first wicket but both were deceived by well-flighted deliveries from off-spinner Nathan Lyon.
Guptill (45) was the first to fall, top-edging a delivery that was well caught by Mitchell Marsh, while Latham (63) hit a poor shot to Usman Khawaja at mid-off.
In between, Kane Williamson was restricted by Josh Hazlewood's disciplined bowling and he edged the Australian seamer to wicketkeeper Peter Nevill to depart for 22.
Captain Brendon McCullum was then given out leg before wicket to Marsh in the final over, a call that was upheld by the decision review system, to leave the Black Caps perilously placed.


One of the US swimmers caught up in a scandal over a made-up robbery at the Olympics says that he cannot explain team-mate Ryan Lochte's actions.

Gunnar Bentz was one of two swimmers who were pulled off a flight in Rio de Janeiro and questioned by police.
He apologised in a statement released by the University of Georgia.
The International Olympic Committee (IOC) has set up a disciplinary commission to investigate the incident and the four athletes' behaviour.
Mr Lochte had claimed that he and a group of fellow US swimmers had been robbed at a petrol station.
But CCTV footage contradicted that story, showing the men had vandalised the petrol station.
US cringes at Ryan Lochte 'bro' antics
Five times Lochte made a splash
Mr Bentz's account of the incident stressed that he was a witness, not a suspect. He said he had never made a false statement "to anyone at any time".
His account continued:
Mr Bentz apologised and said: "I regret this situation has drawn attention away from the Olympics, which have been hosted so incredibly well by Brazil and its citizens.
"Without question, I am taking away a valuable life lesson from this situation. In everything I do, I am representing my family, my country and my school. I will not take that responsibility lightly."
Sunday 14 August
Monday 15 August
Tuesday 16 August
Wednesday 17 August
Thursday 18 August
Friday 19 August
Lochte is one of the most successful swimmers in history, with 12 Olympic medals, and he once had his own reality television show in the US. In Rio, he swam in two events, winning gold in the 4x200m freestyle relay along with Conger.
Feigen won gold in the 4x100m freestyle relay.
Bentz competed in the 4x200m preliminaries, but not the final. He still received a gold medal after the US team's win.


A woman who has been on remand for two years on charges including attempting to murder police has been released on bail after agreeing to wear a tag.

Christine Connor, whose address in north Belfast cannot be published due to a reporting restriction, is charged over two attacks on police in May 2013.
She previously applied for bail on two other occasions.
However, both times she was told it was conditional on her wearing an electronic tag, which she refused.
The most recent application was at Belfast Crown Court on Monday.
However, returning to court on Tuesday, her barrister said Ms Connor was now willing to be tagged as part of her bail conditions.
A judge said he was willing to grant bail as a result.
As well as being tagged, Ms Connors has to adhere to several other conditions which include obeying an 8pm to 7am curfew, reporting to police on a daily basis and surrendering her passport.
Ms Connors and her co-accused Stuart Downes, 30, from Ryton Close in Shrewsbury are expected to stand trial on charges arising from the incidents in May 2013, which include a pipe bomb attack on police in the Ballysillan area of the city.


North Korea's highest court has sentenced a Canadian Christian pastor to a life term of hard labour for "crimes against the state".

Hyeon Soo Lim, 60, was arrested in the capital Pyongyang after he travelled there in January for humanitarian work.
The Toronto-based pastor, who is of South Korean origin, was shown at a news conference earlier confessing to a plot to overthrow the government and set up a "religious state".
North Korea bans religious activity.
The authorities periodically detain foreigners for religious or missionary activity and similar cases have seen staged public confessions from prisoners.
Canada's foreign ministry said in a statement it was "dismayed at the unduly harsh sentence... particularly given his age and fragile health." It added that Canadian officials were seeking access to Mr Lim.
Mr Lim was sentenced after a 90-minute trial at the North Korean Supreme Court.
He was convicted of joining the US and South Korea in an anti-North Korea human rights "racket" and fabricating and circulating false propaganda materials tarnishing the country's image.
He was also accused of funding and helping "defectors" to escape, in some cases through Mongolia.
The pastor entered and left the court in handcuffs flanked by two public security officers in uniform, the Associated Press news agency reports.
Recent cases (all American) include:
The handcuffs were removed in court during the trial, it adds. The pastor kept his head bowed most of the time and answered questions in a subdued tone.
Mr Lim and his colleagues travelled to Pyongyang on 31 January as part of a humanitarian mission. His family said it was to support a nursing home, nursery and orphanage.
Mr Lim, who heads the Light Korean Presbyterian Church, had made numerous humanitarian aid missions to North Korea for nearly two decades, the Church said.
He was detained in February and in July a KCNA report said Mr Lim had given a press conference in Pyongyang where he admitted to using humanitarian work as a "guise" for "subversive plots and activities in a sinister bid to build a religious state".
He also reportedly admitted to giving lectures that "North Korea should be collapsed with the love of 'God'", and to helping the US and South Korea to aid North Korean defectors.


Austria Vienna's Olanrewaju Kayode, Nigeria's highest scoring striker in Europe this season with 17 goals, hopes his rich vein of form will bring him more international caps.

Kayode, 23, made his debut for Nigeria in a 1-1 draw with Senegal in London last month, and hopes Gernot Rohr was impressed with his game-changing appearance as a second-half substitute.
"It was nice to finally get a chance to complete my international appearances for Nigeria under coach Rohr," Olanrewaju told BBC Sport.
I've played for Nigeria at the U-17 and U-20 World Cups, and to play in Russia would be a dream come true
"It was a bit frustrating when I was constantly overlooked at some point because I was scoring in the Europa League and Austrian League - but this is a big chance for me to compete.
"Hopefully it is the first of many caps for my country and I look forward to playing regularly in the future," Olanrewaju added.
The Austria-based forward is likely to feature again for the three-time African champions when they face South Africa in a 2019 Africa Cup of Nations qualifier against South Africa in June and is hopeful of helping the Super Eagles qualify for the 2018 World Cup.
"I've played for Nigeria at the U-17 and U-20 World Cups, and to play in Russia would be a dream come true."
But Kayode admits he has to fight for a regular place in the Super Eagles team alongside Manchester City striker Kelechi Iheanacho, Watford's Isaac Success and China-based duo of Odion Ighalo and Brown Ideye.
"I know what to expect as Nigeria is greatly blessed with other strikers but it is only a challenge not an unhealthy rivalry," he said.
"I can only look at other players who I played with at the youth World Cups like Kenneth Omeruo, Ogenyi Onazi and Ahmed Musa for inspiration."
Kayode, who has also played in the Ivory Coast, Switzerland and Israel, represented Nigeria at the 2009 and 2011 Fifa U-17 and U-20 World Cups respectively.


A North Wales Police officer on trial accused of perverting the course of justice has walked free from court after the case was thrown out.

PC Robin Humphreys and another officer were charged over a pepper spray being used on a handcuffed prisoner arrested in Penrhyndeudraeth, Gwynedd.
He and PC James Burns denied the charge at Caernarfon Crown Court.
PC Burns also denies common assault and two counts of assault causing actual bodily harm and his trial continues.
Judge Huw Rees said there was insufficient evidence to prove PC Humphreys colluded with PC Burns by giving false statements about what happened during the incident on 10 April 2016.
The jury was directed to formally return a not guilty verdict and PC Humphreys left the court.
PC Burns, giving evidence in his own trial, said he grabbed and handcuffed 28-year-old prisoner Michael Stanley by the throat because he thought the man was going to head butt him.
"I felt I just needed to defend myself," he added.
After being held on the ground by officers, Mr Stanley was then placed in the back of the police car and at this point the defendant used pepper spray on him.
PC Burns said he did it because he thought Mr Stanley had calmed down when he was being held on the ground but had then tried to kick one of his colleagues.
"I have sprayed him to try and defuse the situation, to calm him down," he said.
He agreed that it had not worked and Mr Stanley then began head butting the inside of the car. At that point he sprayed the prisoner a second time.
Again, PC Burns told the court it was to calm the prisoner down.
"I don't think there were any other options open that would control his behaviour," he told the court.
PC Burns was then asked about the statement he typed up at the end of his shift describing what had happened and why he had amended it the following day.
He said after viewing the body camera footage of the incident he thought Mr Stanley's head butt threat was "not very audible".
Asked if he as trying to beef up his statement, he replied: "Not at all. I was just trying to clarify what I had heard."
Under cross-examination, PC Burns insisted he had not acted as a "bully."
Prosecutor Matthew Curtis suggested to him: "Red mist descended on you on the day of the incident," but the defendant replied: "It didn't, not at all."
Mr Curtis said: "It's plain from the footage he's seriously distressed as a result of the spray."
But PC Burns replied: "He's angry, he's losing his temper, he's frustrated."
The jury was told the assault, public order and criminal damage charges were dropped against Mr Stanley.
The trial continues.


Yorkshire seamer Moin Ashraf is to leave the county at the end of the season.

The 23-year-old helped the White Rose reach the T20 Finals Day in 2012 but has not made a first-class appearance for the county in the last two seasons.
Wicketkeeper Dan Hodgson, 25 and all-rounder Jonny Tattersall, 20, have also been released.
"To have played for this wonderful club since I was 15 has been both an honour and a privilege," Ashraf said.
Ashraf, who had a trial with Hampshire earlier this season, added: "I wish everyone at Yorkshire all the success in the world and I will continue to be an avid supporter and fan of this wonderful club. I am now looking forward to the next phase of my life. "
Hodgson played for Yorkshire against Sachin Tendulkar's Mumbai Indians in the 2012 Champions League, while Tattersall made only one List A appearance for the county in 2013.


British athletes are underperforming at the World Championships because of issues with their mentality, says ex-Olympic champion Darren Campbell.

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UK Sport's target is between six and eight medals but, after five days of competition, Britain have one - Mo Farah's gold in Friday's 10,000m.
While Campbell believes there is "hope" for the future, he told BBC Radio 5 live: "Clearly there's something wrong.
"We can't pretend it's not happening. If medals are not won, funding is cut."
On Monday, Britain's Laura Muir just missed out on a medal by finishing fourth in the 1500m, while Olympic bronze medallist Sophie Hitchon was seventh in the hammer throw.
The previous day, Katarina Johnson-Thompson finished fifth in the heptathlon, Holly Bradshaw was sixth in the pole vault and Andrew Pozzi failed to qualify for the final of the 110m hurdles.
"I am the last British sprinter to win an individual global medal, at the 2003 World Championships in Paris, but the talent we have is better than that," said Campbell.
"The problem we have is the mental side of things."
Many high-profile athletes missed the British trials in July, which formed part of the selection process for the World Championships in London.
Campbell said: "We were told that the top athletes who weren't there were being rested for the Worlds. Well now we're here, where are they producing what we were told they would?"
Campbell, who won 4x100m gold in Athens in 2004, said the experience of former athletes such as Brendan Foster, now a BBC commentator, should be utilised.
"You've got Brendan up here, in five minutes you can see his experience. We're not tapping into that? Wow."
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UK Sport funding is already set for the Olympic cycle up to 2020 - with athletics the second-highest Olympic recipient behind rowing.
When the funding was announced in December, UK Sport CEO Liz Nicholl said the decision to cut funding from several sports was "based on a judgement of potential number of medals".
"With only one medal at the halfway stage, it's not going to plan," former Olympic javelin thrower Steve Backley told BBC Sport. "That is the simple message.
"There have been some marginal performances that went the wrong way. With medal hopes like Hitchon, Muir, Bradshaw, Johnson-Thompson, we could have had three or four medals in the bag by now.
"But sport is brutal, and this is a reminder of how tough it is out there. There aren't that many more chances left."
BBC Sport commentator Mike Costello
We were talking here at the Anniversary Games in July about how important the first weekend of the Worlds would be.
On Monday night we thought we could win at least two bronzes, but Farah's gold remains the only medal. Whichever way you look at it, that is troubling.
And if you look at the programme between now and the final day next Sunday, you couldn't put your hopes on anything but the relay teams.
The pressure is growing and growing on them now - both the men's and women's teams.
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At least 23 Iraqi troops and pro-government fighters have been killed in clashes with militants in the western province of Anbar, officials say.

A suicide bombing at a mosque in al-Jubba killed 10 anti-jihadist fighters. Militants then attacked police and army positions, killing 13, officials said.
A further 28 Iraqi troops were wounded, while militant casualties are unknown.
The incidents took place near the Ain al-Asad airbase, where US forces are currently training Iraq's military.
The attacks were carried out on Tuesday near the town of al-Baghdadi, which is 110 miles (180 km) north-west of Baghdad.
No group has said it was behind the the attacks. However, they come as Iraqi forces battle fighters from the Islamic State (IS) militant group, which has seized large swathes of Iraq and neighbouring Syria.
Iraqi forces are providing training to local fighters at the Ain al-Asad base, and on Monday Iraqi Prime Minister Haider al-Abadi called for a "tribal revolution" against IS.
Meanwhile, IS said it had killed eight men in Iraq's Salahuddin province for allegedly co-operating with government security forces and international airstrikes, AP news agency reported.
A series of photos posted on a Twitter account used by the group showed the men kneeling and blindfolded beside a riverbank.
A provincial official speaking on condition of anonymity, however, contradicted the claim that the men were collaborators.
He told AP the men were army officers who had deserted prior to IS taking over parts of the province last year, and that they had not co-operated with Iraqi government forces.


Shares in Next have fallen 12% after the retailer reported falling sales and warned 2017 would be "challenging".

The retailer said full-price sales fell by 0.4% in the 54 days to 24 December, with annual profits now set to be at the low end of expectations.
The firm forecast full-year profits would be £792m, compared with previous guidance of £785m-£825m.
Next said sales in 2017 could be hit as rising inflation erodes earnings growth and squeezes consumer spending.
Next shares were down £5.72, or nearly 12%, at £41.98 by early afternoon in London.
"The year ahead looks set to be another challenging year; therefore we are preparing the company for tougher times," the company said.
It said the price of clothing could rise "by no more than 5%" following the fall in the value of the pound last year. It added that this would "depress sales revenue by around 0.5%".
Earlier on Wednesday, a report from the British Retail Consortium (BRC) had also pointed to rising price pressures in the sector.
The BRC said the price of clothing and footwear increased in December compared with November, the first month-on-month rise in prices for nearly two years.
Next said that it was budgeting for full-price sales growth in the year to January 2018 within the range of a fall of 4.5% and a rise of 1.5%.
If it came in at the mid-point of a fall of 1.5%, that would be "marginally worse" than the current year's performance, it added.
Next is already predicting a fall in profits for next year, saying it expects to make between £680m and £780m.
However, the retailer said it was "well placed to weather a downturn in consumer demand".
Next's figures for the 54 days to Christmas Eve revealed sales in stores fell by 3.5%, while Next Directory sales rose by 5.1%.
In its statement, the company said despite a "difficult season" it went into its end of season sale with 3% less stock than last year, but it sold 7% fewer products than 12 months ago.
"Next took a gamble on keeping their sales full price in the run-up to Christmas, it's what they usually do, and they usually  use the sales to try and get people into the shops afterwards," said Kirsty McGregor of Drapers magazine.
However, she said, that strategy did not seem to have paid off this year.
"I think what we're seeing there is an underlying move away from spending so much money on clothing and footwear. People seem to be spending more money on going out and on technology, things like that."
Next's trading statement acknowledged the "exceptional levels of uncertainty in the clothing sector".
The company, whose chief executive is the pro-Brexit Lord Wolfson, also said there was "little visibility of the approach the UK government will be taking to Brexit".
However, the fall in spending on clothing and footwear and the squeeze on consumer incomes are not the only problems facing Next according to Neil Wilson, senior market analyst at ETX Capital.
"The simple problem is that Next is underperforming the market," he said.
"UK retail sales have held up in the months following the Brexit vote but Next has suffered. It's been suffering for a while and needs a turnaround plan.
"The brand is struggling for relevancy and risks going the way of Marks and Spencer on the clothing front, appealing to an ever-narrower customer base."
Next's gloomy outlook for 2017 hit shares in other retailers, with Marks and Spencer, Debenhams and Primark owner Associated British Foods all trading lower.
However, there was better news from discount retailer B&M, which saw its shares jump 7% after it  reported a big rise in sales in the run-up to Christmas.
B&M said UK like-for-like sales rose 7.2% in the three months to 24 December, while revenue across the group rose by more than a fifth to £789.1m.


Former Aston Villa captain Stiliyan Petrov is to resume training with the first team, after more than four years away from football.

Petrov, 36, has been recovering from an acute form of leukaemia, which was first diagnosed in 2012.
But he has now been invited to join up with Villa for their pre-season training camp in Austria on 7 July.
The 105-times capped Bulgaria international is still hopeful of making a return to football.
And, although it is now three years since he officially retired from professional football, Villa have always kept the door open for him.
He is now looking to improve his fitness ahead of the new season, as he needs group training at a level higher than that at which he has been playing.
He has initially been invited to train for a month on a non-contract basis with Villa, who start life in the Championship with a trip to face Sheffield Wednesday at Hillsborough on 7 August, having been relegated to the second tier for the first time since 1987.
Petrov was then Villa boss Martin O'Neill's first signing when he arrived from Celtic for £6.5m in August 2006.
He first showed symptoms of leukaemia after developing a fever following a 3-0 defeat at Arsenal in March 2012 and was diagnosed with the disease a few days later after making 218 appearances for Villa and more than 500 in British football.
He had four months of chemotherapy before it was announced in August of the same year that the disease was in remission.
Fuelled by the love and support of the Villa fans, he has since set up a foundation to help leukaemia sufferers.
"For both sides this makes a lot of sense.
"Petrov can continue to get fitter and fitter in an environment he's familiar with around people that respect him.
"For Villa, if he proves to be fit enough to make a return to the game then they'll surely have first refusal on his services.
"He'll learn a lot about how his body is when he joins up with Villa in Austria and flies into his first 50-50 challenge.
"But the very fact that he's at this stage is nothing short of remarkable and says an awful lot about the man himself."


Cardiff City have completed the signing of former Queens Park Rangers winger Junior Hoilett on a free transfer.

The 26-year-old Canadian left QPR in the summer after making 31 appearances for them in the Championship last term.
"I'm really pleased to be here and I'm ready to go. The manager puts belief in his players and this is a great group of lads," Hoilett said.
"I'm here to hopefully bring some more creativity and goals. I can't wait to get started."
Meanwhile, striker Marouane Chamakh and centre-back Sol Bamba had medicals at Cardiff on Monday ahead of their free transfers.
Chamakh, a 32-year-old Moroccan who was released by Crystal Palace, had previously attracted interest from Bluebirds boss Neil Warnock.
Centre-back Bamba, 31, left Leeds United due to personal reasons in September.


The jagged ruins of Sukhna, rising in the midst of an infinite expanse of desert sand, can feel like the middle of nowhere.

But this strategic crossroads in eastern Syria, surrounded by gas fields, is a major prize for Syria's army in its offensive against the last remains of so-called Islamic State's crumbling self-declared caliphate in Syria.
"It's a significant victory," declares Gen Mohamed, his eyes shaded from the glaring heat by mirrored aviator sunglasses.
The squat muscular soldier who offers only his first name had suddenly  - and surprisingly - leapt from his gleaming white vehicle and strutted across the ribbon of tarmac when he spotted our team inspecting a road sign defaced by IS' infamous black signature at the entrance to this ravaged desert town.
"Sukhna was Daesh's [IS'] most important hub in this area and we've now opened the road to Deir al-Zour," he explains in reference to the next populated centre in their sights.  The neighbouring governorate of Deir al-Zour is almost completely controlled by IS, except for a besieged section of its main city and a Syrian airbase still in use.
We are the first journalists to be taken to this abandoned town just captured by an advancing Syrian army. Its steady stride across the vast sweep of the baking hot eastern desert is accelerating with the powerful punch of Russia's warplanes and special forces, an array of Iran-backed militias and local tribes.
Every building on every street in Sukhna bears the scars of another brutal Syrian battle. Not one escaped intact.
Fronts ripped away reveal, like dusty dolls' houses, tables and chairs and even tea cups abandoned in haste when IS fighters stormed this desert town three years ago. Almost everyone fled.
Defeated IS fighters are now beating a retreat towards Deir al-Zour's capital, which bears the same name, about 130km (81 miles) away, across this desolate tract.
More than 200 fighters were killed this week when Russian warplanes blitzed a column of vehicles and weaponry snaking its way toward one of IS' last redoubts on Syria's ever so tangled battlefield.
To the north of Sukhna lies Raqqa, once IS' self-styled Syrian capital. It is now under blistering attack by the mainly Kurdish Syrian Democratic Forces, buttressed by US special forces on the ground and US-led coalition warplanes in the skies of north-western Syria.
There is mounting alarm among aid groups and activists about the rising civilian death toll from aircraft and artillery strikes as the battle intensifies and IS fighters trap residents inside as they make their last stand.
What will also be a punishing battle to retake the city of Deir al-Zour, where IS fighters are also digging in, may only be weeks away.
"We're hell-bent on victory," vows the the second Syrian general we meet in Sukhna. Commanding officer on this eastern front Gen Mohamed Khaddour takes the wheel himself to drive us to their new forward firing position about 10km (six miles) outside the town.
As if to prove his mettle, he brandishes his arm bearing his wounds of war. "Look at my arm," he declares. "I've been injured three times."
With his floppy desert hat and casual fatigues, he is every inch the battle-hardened commander, revered by his own, reviled by his enemies.  He has crushed rebel forces, with brutal efficiency, on almost every major front across Syria since the uprising erupted more than six years ago.
The general brings up that he is on the EU's sanctions list. He is number 125, accused of "being responsible for repression of peaceful protests" in 2011 in the Damascus district of Douma which saw some of the first and biggest demonstrations in the capital.
He brushes away the charge in this rare meeting with Western journalists, saying his focus is on this new front. "I'm fighting Daesh," he asserts.
An artillery barrage kicks up a cloud of fine sand which momentarily obscures any view.  As it clears, a plume of brown smoke rises on the horizon. The closest IS positions are only a kilometre away, just beyond the ridge.
As the Gen Khaddour huddles with his men to assess the strikes, Russian special forces join the discussion, their faces obscured by woollen masks in the presence of journalists. The Russians put a stop to any filming while they are in sight.
I ask the general if it complicates matters that Americans are also fighting on Syrian territory.
"They have a completely different direction," he replies, adding, "We're only focusing on Deir al-Zour."
But in case there is any doubt, he declares, "There's no power on the ground which can stop us from taking back what we want to take back."
In this war against IS, all guns are now pointing in the same direction, against a common threat on what must be the world's messiest political battlefield.
But there is a much bigger game here for President Bashar al-Assad's men. Recent battlefield successes on key fronts against Syrian rebel groups have freed up some of their forces, and those of their friends, to enable this determined push across eastern Syria.
Local ceasefires, backed by Moscow's political and military muscle, have brought relative quiet to some remaining rebel enclaves. But every officer we spoke to was adamant that the north-west province of Idlib, the biggest opposition stronghold, would be their next target after the IS caliphate collapses.
The territorial defeat of IS may now be only a matter of months. When that day comes, Syria's other war, with its changing political kaleidoscope of outside powers and interests, will shift into a new stage in the next new front in the punishing battle for Syria.


A 37-year-old man has appeared in court charged with raping a woman in Belfast city centre.

Pondai Bamu, from Marlborough Avenue in the city, allegedly attacked the woman in Rosemary Street on 24 September.
He faces charges of rape and sexual assault.
An application for bail was refused at Belfast Magistrates Court over fears he could flee or re-offend. Mr Bamu was remanded into custody.


Wakefield Trinity Wildcats prop Anthony England has signed a new deal with the Super League side to run until 2019.

The 30-year-old joined the Wildcats from Warrington on a two-year contract in 2015 after spells at Featherstone, Dewsbury, Gateshead and Castleford.
"I've loved it here from day one. It's just a great group of lads and everyone has been really good to me," he said.
England's new deal also includes an option to extend it for a further year if both he and the club consent.


Chris Jordan and Jofra Archer both took three wickets as Sussex edged into the lead on day two against Leicestershire.

Jordan (3-66) and Archer (3-51) lead the hosts' bowling efforts at Arundel as no Foxes batsman passed 50.
Lewis Hill (49), Mark Cosgrove (41) and Colin Ackermann (40) all made scores, helping Leicestershire make 281 and secure a first-innings lead of 19 runs.
Chris Nash then fell for 15, but Luke Wells and Harry Finch reached stumps on 74-1, giving Sussex a lead of 55 runs.


Businesses running the professional version of Windows 10 can no longer block access to the Windows Store.

Following an update the function is now available only on the more expensive Windows 10 Enterprise version, as well as the Education edition.
Many firms try to prevent staff from downloading additional software as it can cause problems with existing programs and affect productivity.
Microsoft said it had made the change "by design".
"Windows 10 Enterprise is our offering that provides IT pros with the most granular control over company devices," the tech giant said in a statement.
"Windows 10 Pro offers a subset of those capabilities and is recommended for small and mid-size businesses looking for some management controls, but not the full suite necessary for IT pros at larger enterprises."
John Harrison, owner of Harrison IT services, said the change could cause problems for small businesses.
"Users like to change settings or try to install software by themselves. If they don't know what they're doing or don't have the appropriate experience, they can cause all kinds of issues," he said.
"You are going to have to educate staff, tell them not to use the Windows Store unless it really is relevant to the business. How do you manage that policy?"
In September 2015 there were 669,000 apps on the Windows Store, according to Microsoft's own figures.
Microsoft says there are 300 million devices using Windows 10 one year after its launch.
On 29 July, a free upgrade offer for Windows users with earlier versions of the operating system will come to an end.


Profits at Bank of America (BoA) and Citigroup for the last three months of 2014 have both undershot estimates.

BoA earned $3.05bn (Â£2bn) compared with a profit of $3.44bn last year, as total revenue fell 12.6% to $18.96bn.
Citigroup's income fell to $346m after the bank took charges of $3.5bn to settle legal claims and restructure operations.
The legal costs involved allegations over manipulation of currency markets and the Libor interest rate.
BoA's record $16.7bn in fines and compensation for misleading investors was largely paid off last year, following a deal with the US Department of Justice.
Both banks have been restructuring, with BoA cutting some 16,000 jobs last year and Citigroup pulling out of consumer banking in several international markets.
They are facing pressure from politicians, such as Democrat Senator Elizabeth Warren, who have called for the break up of Citigroup, Bank of America and other "too big to fail" US banks.
Shares in both banks are down about 10% so far this year.


A gang of moped riders armed with sledge-hammers carried out a smash and grab at central London's exclusive Dorchester Hotel, police have said.

Three men from a group of six entered the Park Lane hotel's boutique and smashed jewellery and watch cabinets.
The group was disturbed by police at about 01:37 BST but escaped on three mopeds with some items.
The Met followed but lost the gang and came across a woman who had been hit by a moped at Cambridge Circus.
The 25-year-old was taken to hospital for treatment for leg injuries and has since been discharged.
Det Con of the Flying Squad Alex Flanagan said: "This was a well planned and thought through robbery and there may be people who know who is responsible.
"I am keen for those with any information, no matter how small, to come forward and assist us with our investigation."


Sunderland have signed Netherlands international Patrick van Aanholt from Chelsea for an undisclosed fee.

The 23-year-old left-back, who has spent the last two and a half seasons at Vitesse Arnhem, has signed a four-year deal with the Black Cats.
He played eight times for Chelsea and also had loan spells at Wigan, Leicester, Newcastle and Coventry.
He has two caps for the Netherlands but missed out on the World Cup after being named in the 30-man provisional squad.
Sunderland head coach Gus Poyet was keen to sign a left-back after Marcos Alonso's loan spell finished at the end of last term.
Fiorentina defender Alonso made 20 appearances for the Wearsiders in 2013-14 but has been part of the Viola's pre-season campaign this summer.
Poyet has already signed defender Billy Jones from West Brom, Wigan midfielder Jordi Gomez and goalkeeper Costel Pantilimon from Manchester City so far this transfer window.
Fabio Borini has also been linked with a return to Wearside, with a fee agreed with Liverpool, although Poyet has admitted his frustration at delays in adding new players this summer.


Amir Khan says he is unlikely to fight Floyd Mayweather if the American makes his expected return from retirement.

Briton Khan, 29, faces Mexican WBC middleweight champion Saul 'Canelo' Alvarez in Las Vegas on Saturday.
Khan felt he was close to securing a fight last year with Mayweather, who retired in September and has recently hinted at a comeback.
"He messed me around, so I'd probably treat him the same way - I don't think I'd take that fight," said Khan.
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Mayweather is a former five-weight world champion considered by many observers to be the best fighter of his generation.
"Floyd's probably missing not having his picture on the MGM," added Khan.
"He must see my picture and Canelo's picture and think 'people have forgotten about me'. As soon as you say you're retired, we do forget about the people who say that.
"Mayweather's feeling that now, he's feeling like no-one's talking about him, that he's old news, and maybe that's why he's trying to get everyone supporting him again by saying 'I want to make a comeback'.
"Whatever Mayweather says, let him say it."
Khan's bout with 25-year-old Alvarez is the biggest of his 11-year professional career.
Alvarez has won 46 of his 48 fights and lost only once - that defeat coming against Mayweather in 2013.
Khan, a two-time former world champion, has won 31 and lost three of his 34 professional fights but has not held a world title since 2012.
He has not fought since outpointing Chris Algieri in May 2015 and has made a jump of two weight divisions to set up the WBC world middleweight title bout.
Khan says he is taking inspiration from Leicester City, who began the football season as 5,000-1 outsiders to win the title but became Premier League champions on Monday.
"It is unbelievable how a team like Leicester have come up from nowhere and took the title," added Khan.
"This is similar to what I am going in to with this fight against Canelo, because I am the underdog.
"I think it is the year of the underdog with Leicester and me going in to this fight. It is our year."