Morning Mail: budget deficit to grow by $24bn, Trump's business life and the white house, six diving and snorkelling deaths in a week, India train crash kills 120

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Guardian Australia's Morning Mail Monday 21 November 2016 g Cutting tax breaks for over 65s could save $1bn a year Good morning, and welcome to the Morning Mail. Sign up here for our Guardian Today email, sent every day at noon, and you can sign up to our new Guardian Australia sport email here. Among the top stories on our website this morning is a report showing the federal government could shrink its budget deficit by a billion dollars a year by cracking down on unduly generous tax breaks for over 65s. The Grattan Institute report says cracking down on over-generous concessions would mainly affect seniors who do not receive a pension. Keep reading for the rest of the top stories this morning, including the launch of our special investigation on the private health insurance system, with more news from around Australia and the world.

Headlines Budget deficit to grow by $24bn as low wages growth offsets rising coal price Recent rise in global commodity prices won't be enough to return the federal budget to surplus in 2020-21, according to Deloitte Access Economics forecast Trump will 'leave business life in past' as president, Pence and Priebus insist The vice-president-elect and incoming chief of staff promised 'proper separation' from White House after Trump and children met with Indian business partners Desperate search for survivors after India train crash kills 120 More than 200 people are injured as express train derails near northern city of Kanpur in early hours Australia comfortably beat New Zealand to seal Four Nations title Australia secured a hugely-impressive 34-8 victory over New Zealand in a disappointingly one-sided Four Nations final at Anfield Former Great Barrier Reef marine park head calls for ban on new coalmines Graeme Kelleher's call comes before Australian government's deadline for reporting to Unesco's world heritage committee Australian news and politics Six diving and snorkelling deaths in a week spark calls for tougher standards Australian Underwater Federation president Graham Henderson says number of deaths is unusual and industry should look at medical tests for older divers Snorkeller dies on south coast of New South Wales Man in his 40s died after getting into trouble while snorkelling off Congo, say police, in sixth Australian ocean fatality in a week Nick Xenophon puts Coalition on notice as parliament resumes Government hopes to use final two sitting weeks to push through delayed bills but Xenophon says he's wary after last week's spat over water Bank attack should not be used as a political weapon, says Daniel Andrews Victoria's premier says a man who allegedly set himself alight in a Springvale bank branch is an isolated tragedy not a symptom of a wider refugee problem Melbourne pro-Trump rally outnumbered by police and counter-protesters Far right United Patriots Front and True Blue Crew demonstration at Parliament House draws just 40 people rather than the predicted 1,000 Recycling company fined $85,000 after worker killed in roof collapse Worker died when Resource Recovery Solutions roof collapsed under the weight of a build-up of rubbish Sex abuse charges spark review of South Australian child protection system Arrest comes just months after a royal commission declared system in crisis and called for sweeping changes Around the world Angela Merkel tells party leaders she will stand for re-election in 2017 German chancellor ends months of speculation with announcement that she intends to seek fourth term Big turnout as French right votes for candidate to oppose Marine Le Pen First round of voting will choose two candidates to go foward from Alain Juppé, François Fillon and Nicolas Sarkozy Choi-gate prosecutors accuse South Korean president of collusion Charges laid against president Park Geun-hye's longtime ally Choi Soon-sil and two former presidential aides East Aleppo's last hospital destroyed by airstrikes Russia-led attacks on rebel area in Syria's second city leave up to 250,000 people without access to surgery or specialist care Police helicopter crashes amid shootouts in Rio At least 12 people are killed as gunfire is reported across city, highlighting fears of public security crisis

One last thing Carrie Fisher on Harrison Ford: 'I love him. I'll always feel something for him'She was 19 when they met on the set of Star Wars – and began a three-month affair. Fisher comes clean about the most 'obsessive, confused' time of her life. Have an excellent day and if you spot something I've missed, let me know on Twitter at @earleyedition.

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