Passengers groan under transportation problems in FCT. p1; Criminals bent on unleashing terror — Northern govs. p3; Nigerians want further cut as new bank charges commence. p13; I have no rift with Gov Ganguje — Abdumumini Jibril. p40; 70-yr-old man, 3 others in police net over rape cases. p4; Borno gov begins 2020 with launch of 5 projects. p6; 1m rice farmers ready for dry season production. p27; Declare emergency on security, northern youths tell Buhari. p3; EKSUTH sacks 200 workers. p6; NAPTIP raids orphanage home in Kaduna. p6; New Year: Know your HIV status, NACA urges Nigerians. p7; Oluwo decries marginalisation, begs Buhari to site FCE in Iwo. P7; C/River to renovate, equip 15 hospitals, boost health insurance. p8; FG’s $29.960bn foreign loan. p11; ‘Nigeria’s infrastructure deficit requires borrowing’. p14; Why foreign firms are afraid of coming to Nigeria – Utomi. p17; APC chieftain urges N/Assembly to make ‘decisive’ laws. p40; NNPC records 81% drop in pipeline vandalism. p43; Arteta registers first Arsenal win in victory over Man Utd. p47;