Overview: Moody's has downgraded the credit rating of 12 UK financial firms including Lloyds TSB, RBS, Nationwide and Santander UK amid concerns that the government is now less likely to support some firms if they get into trouble. Moody's also downgraded nine Portuguese banks, blaming financial weakness. Tonight Andrew Verity reports on the significance of this news and whether the belief that the days of UK government bank bail outs are over is correct. We will also be getting further analysis by studio by guests. And Stephen Smith has a fresh Citizen Smith report. He's had an exclusive look the first wave of community organisers who are meant to build David Cameron's big society and we talk to Civil Society Minister Nick Hurd.