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    п»їCollege football picks, schedule: Predictions against the spread for the key top 25 games in Week 9.
    A closer look at the top games on the slate in Week 9 of the 2019 college football season.
    Past the midway point of the 2019 season, there are three top-25 matchups ahead in Week 9 that could shake the foundation of the sport as we head toward the first College Football Playoff Rankings release in about 10 days. In fact, it has already started with Kansas State upsetting No. 5 Oklahoma, a 24-point favorite in the game .
    There's a key SEC West battle in the afternoon, which also sees Penn State hitting the road in tough conditions at Michigan State. In the evening is another test for Notre Dame as it travels to the Big House to face Michigan in the night cap. Alabama will also be looking to beat Arkansas despite the fact that it will be starting backup quarterback Mac Jones. And those are just the five key games to watch on Saturday. For more, check out our complete Week 9 viewer's guide .
    With action starting early in the day and continuing late into the night, let's take a look at the biggest games on the schedule Saturday along with our college football picks and predictions for what will transpire in those contests. Our CBS Sports college football experts have picked every game both straight up and against the spread, giving you ample opportunity to decide how to make your picks ahead of kickoff.
    All times Eastern.
    No. 13 Wisconsin at No. 3 Ohio State (-14.5) – Noon on Fox: I don't think last week's loss to Illinois says anything about Wisconsin being a mirage. That's just the kind of loss that can happen to anybody. Just ask Ohio State about its road trip to Purdue last year. The thing is that I thought Ohio State was a lot better than Wisconsin before last week happened. I think Ohio State is a lot better than just about everybody else in the country save for a handful of teams. Wisconsin isn't one of them. I'm not saying Wisconsin can't make a game of this, but I think Ohio State's more likely to win by three touchdowns than fewer than two. Pick: Ohio State (-14.5) -- Tom Fornelli.




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    п»їCover the things.
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    640 jobs at risk as RBS confirms closure of two Scots offices.
    ROYAL Bank of Scotland will today reveal office closures at its Churchill and Direct Line business as part of existing plans to cut 2000 jobs.
    12:05, 26 AUG 2010 Updated 18:18, 1 JUL 2012.
    MORE than 600 jobs are at threat in Scotland after the Royal Bank of Scotland confirmed it was to axe two of its offices in Glasgow as part of nationwide cuts.
    The part-nationalised bank confirmed it was axing 14 of the 27 offices in its Churchill and Direct Line business under existing plans to cut 2,000 jobs.
    Two offices will be shut in Glasgow, impacting more than 640 staff, while the raft of closures will also see offices shut in England.
    More than 400 job losses are expected from the closure of the bank's Atlantic Quay and St Vincent Street offices in Glasgow, although around 200 staff are likely to be redeployed.
    Rob MacGregor, national officer at trade union Unite, said: "RBS staff are continuing to pay the price for the bank's failure with their jobs.
    "They are trying to do the best job they can during a hugely stressful period of uncertainty.
    "Unite is calling on RBS to come clean with staff and clarify the impact of the restructuring and end the uncertainty. Unite will hold RBS to account over any compulsory job losses that result."
    Bank chiefs delivered the blow to staff this afternoon as part of a previously announced move to shed jobs at the insurance division, which it was ordered to sell by the European Commission by 2013.
    It said the offices will be shut over the next three years, although some are closing as soon as the fourth quarter of this year.
    RBS said: "The EU decision requiring the sale of the RBS Insurance business has accelerated our plans for cost savings and having to cut jobs is the most difficult part of this process.
    "At this stage it is too early to say how many role reductions this will involve, but we will do all we can to support our staff, offer redeployment opportunities where possible and to keep compulsory redundancy to an absolute minimum."
    The insurance job cuts come as it reins in costs to ready the business to offload.
    RBS has already reached a deal to sell 318 bank branches to Spanish banking giant Santander for a premium of ВЈ350 million on the value of the assets.
    However, the group is yet to put the insurance operation on the sale block.
    It is looking at a potential flotation or trade sale, expected next year or in 2012.
    RBS has already said it aims to reduce the number of roles in the group by a mammoth 23,100 globally.


    Royal Bank of Scotland to axe 2600 insurance and retail banking jobs.
    THE Royal Bank of Scotland today said they planned to axe 2,600 UK jobs - about 500 of them in Scotland - at their insurance and retail banking arms.
    15:28, 10 MAY 2010 Updated 17:24, 1 JUL 2012.
    THE Royal Bank of Scotland today said they planned to axe 2600 UK jobs - up to 500 of them in Scotland - at their insurance and retail banking arms.
    The part taxpayer-owned bank said 2000 jobs are to go at their insurance arm, which includes the Direct Line, Green Flag, Churchill and Privilege businesses and employs 16,000 people. Some of the jobs are based in Glasgow.
    The bank - 83 per cent owned by the taxpayer - are also shedding 600 of their 2100 retail banking headquarters staff, based at locations including Edinburgh and London.
    The latest cuts bring the total job losses at the business since the crisis began to 22,600 - of which 16,600 have fallen in the UK.
    Finance Secretary John Swinney said: "It is deeply disappointing to be facing further Scottish job losses on this scale, even if the process has been driven by the decisions on forced sell-offs taken by the European Commission and the Westminster Government. It shows clear consequences of the forced break-up of banks, which has major implications for headquarters functions in Scotland.
    "Around 12 per cent of the insurance division is in Glasgow and we are currently anticipating a total job loss of as much as 500 Scottish posts in Edinburgh and Glasgow from these two announcements taken together."
    RBS accelerated the plans after the European Commission said they must sell 318 branches as well as the insurance business to soothe competition concerns following its state bail-out.
    The bank said: "We are working hard to rebuild RBS in order to repay taxpayers for their support and having to cut jobs is the most difficult part of this process. We have strived at all times to be open and honest about the tough choices we are making.
    "We will do all we can to support our staff through this process and do everything possible to keep compulsory redundancy to an absolute minimum."
    RBS added: "So far, the job losses we've announced to date have resulted in fewer than one in four people being made compulsorily redundant."
    Unite condemned the latest round of job cuts and said their members would be "devastated" at the news.
    The union said that under the proposals, 2000 jobs out of about 16,000 will go over the next 12 months in the insurance sector, which embraces such household names as Churchill, Direct Line, Green Flag and Privilege.
    Also earmarked for the axe are 600 jobs at the retail head office function, which will mainly be centred on the London and Edinburgh offices.
    National officer Rob MacGregor said: "Taken together, this is a devastating blow for a dedicated workforce which has worked very hard to turn around the fortunes of RBS following some disastrous decisions by the previous management.
    "Unite is completely opposed to compulsory redundancies and will be engaging continually with RBS throughout the consultation period to minimise redundancies, while calling upon the bank to manage these reductions outside of compulsory measures.
    "Included within this figure of 2,000 is a reduction of about 500 to be achieved through outsourcing and offshoring, although the bank has confirmed that these would not be customer-facing roles.
    "Unite is fundamentally opposed to offshoring, as well as compulsory redundancies."


    Sainsbury's to sell RBS Insurance.
    SAINSBURY’S has found a new partner to kick-start its car insurance business.
    00:00, 25 MAR 2011 Updated 21:55, 26 JAN 2012.
    SAINSBURY’S has found a new partner to kick-start its car insurance business.
    The supermarket giant is in talks with RBS Insurance about a five-year deal expected to begin in June.
    The timing is interesting as RBS is being forced to sell its insurance arm, which includes Direct Line, Churchill and Privilege, as the price of its Government bail-out during the credit crisis. The fact that Sainsbury’s is willing to commit to such a long-term deal is a big vote of confidence in RBS Insurance, which could be launched on the stock market as a separate company or sold to a rival or other investors.
    And it could be good news for taxpayers if the pair hit their target of up to a million policies as it would boost RBS’ value before any such sale.




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