Newspaper headlines: PM pledge and FA chiefs 'urged to resign'

A year on from the Brexit referendum, says the Financial Times, the government has still not spelled out what that will mean for the economy.

The paper sees division in the two main parties, the House of Lords, and across the UK.

If things turn nasty, it thinks the government should resist the "petulant and reckless" option of walking out.

But the Sun tells Theresa May "the time for niceties is over."

It says the PM has now assured every EU ­citizen here that they can stay, come what may - and it's time for other EU leaders to be "equally forthcoming".

And four former Conservative cabinet ministers tell the Daily Telegraph that she should walk away if the EU won't move on to discussions about trade and the future.

The Daily Mail and the Daily Express both see signs that Germany, at least, might want a comprehensive free trade accord.

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Several of the papers are struck by - and concerned about - the figures showing how many people are financially exposed.

Millions of people, says the Financial Times, have to borrow from friends and family "to make ends meet."

"More than four million people are living on the brink of financial meltdown," says the Daily Mail, "figures that add up to a crisis."

The i believes half the adult population are at risk, with 15 million of them failing to pay anything into any kind of pension.

A headline in the Times calls that a "retirement timebomb ticking for millions".

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The switch to universal credit, says the Guardian, was a sensible idea "on paper".

But in practice, the paper argues, it has been anything but.

The old system, it believes, "was baggier and more accommodating" - for all its flaws - and the new one just doesn't take account of the actual circumstances of many claimants.

The paper fears that pressing on with the change "will leave families to celebrate Christmas on the contents of a food parcel".

The Mirror says Mrs May is "still pig-headedly making life worse for struggling individuals".

The Times is concerned by the limitations which have been imposed on free speech at several universities since the start of the academic year.

And it therefore commends the Universities minister, Jo Johnson, for telling higher education institutions that they will face penalties if they deny a platform to people whose views might upset some.

The paper says free speech is central to what universities do.

The Daily Mail wonders whether Prince Harry's girlfriend, Meghan Markle, has already had a meeting with the Queen.

It says the actress appears to have been whisked into Buckingham Palace a week ago - in a Ford Galaxy with blacked out windows.

The paper says she spent almost an hour with the Queen having tea and cake. The Palace declined to comment.

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The Times reports that "the tree that first brought Bramley apples to the world is dying."

The 200-year-old tree, at Southwell in Nottinghamshire, has an incurable honey fungus infection.

Scientists, says the Daily Express, believe they can save it.

The Daily Telegraph hopes they succeed - saying "if Eden's apple gave the world sorrow, Southwell's brought it only wholesome delight".

The Express thinks their mission is a "project with core a-peel."