qualify

A draw in Denmark meant that Scotland could still qualify automatically with a win against the Danes at Hampden on Tuesday.

The home team, who cannot qualify for the World Cup, could have been out of sight well before half-time but Clarke's team somehow weathered the storm and found their feet.

If Germany avoid defeat, they will qualify for the finals, if not, it will be Slovakia heading to North America for their first global showpiece appearance since 2010 in South Africa.

Their fourth-place free skate score of 116.90 was still enough to give them silver with 195.73 points and with their Cup of China crown they, too, are qualified for the Grand Prix Final.

Be careful not to push yourself into a higher tax bracket, which a qualified financial planner or accountant can help you avoid.