Every city hums with two kinds of intelligence. One is visible: the rush of traffic, the rhythm of commutes, the pulse of people and goods moving in synchrony.

It's a question your insurer will never answer: how much does the cost of your car insurance go up after a claim? Complex algorithms, individual circumstances, the nature of the accident and a list of ...

There's a tax warning for influencers, we explain how some pensioners will pay back the winter fuel payment, and we have a starter's guide to stocks and shares ISAs. Read all this and the rest of ...