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Could cold sores increase the risk of Alzheimer’s disease?

<div class="theconversation-article-body"> <p>A <a href="https://bmjopen.bmj.com/content/15/5/e093946">new study</a> has found the herpes simplex virus type 1 (HSV-1), which causes cold sores, may be linked to the development of Alzheimer’s disease.</p> <p>This idea is not entirely new. Previous research has suggested there <a href="https://onlinelibrary.wiley.com/doi/10.1002/jmv.1890330403">may be an association</a> between HSV-1 and Alzheimer’s disease, the <a href="https://www.who.int/news-room/fact-sheets/detail/dementia">most common form of dementia</a>.</p> <p>So what can we make of these new findings? And how strong is this link? Let’s take a look at the evidence.</p> <h2>First, what is HSV-1?</h2> <p>HSV-1 is a neurotropic virus, meaning it can infect nerve cells, which send and receive messages to and from the brain. It’s an extremely common virus. The <a href="https://www.who.int/news-room/fact-sheets/detail/herpes-simplex-virus">World Health Organization estimates</a> nearly two-thirds of the global population aged under 50 carries this virus, often unknowingly.</p> <p>An initial infection can cause mild to severe symptoms including fever, headache and muscle aches, and may manifest as blisters and ulcers around the mouth or lips.</p> <p>After this, HSV-1 typically <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC8923070/">lies dormant</a> in the body’s nervous system, sometimes reactivating due to stress or illness. During reactivation, it can cause symptoms such as cold sores, although in many people it doesn’t cause any symptoms.</p> <h2>What did the new research look at?</h2> <p>In a study published this week <a href="https://bmjopen.bmj.com/content/15/5/e093946">in BMJ Open</a>, researchers analysed data from hundreds of thousands of people drawn from a large United States health insurance dataset.</p> <p>They conducted a matched “case-control” analysis involving more than 340,000 adults aged 50 and older diagnosed with Alzheimer’s disease between 2006 and 2021. Each Alzheimer’s disease patient (a “case”) was matched to a control without a diagnosis of Alzheimer’s disease based on factors such as age, sex and geographic region, a method designed to reduce statistical bias.</p> <p>The team then examined how many of these people had a prior diagnosis of HSV-1 and whether they had been prescribed antiviral treatment for the infection.</p> <p>Among people with Alzheimer’s disease, 0.44% had a previous HSV-1 diagnosis, compared to 0.24% of controls. This translates to an 80% increased relative risk of Alzheimer’s disease in those diagnosed with HSV-1, however the absolute numbers are small.</p> <p>The researchers also found people who received antiviral treatment for HSV-1 had roughly a 17% lower risk of developing Alzheimer’s disease compared to those who were untreated.</p> <h2>Not a new hypothesis</h2> <p>This isn’t the first time researchers have speculated about a viral role in Alzheimer’s disease. <a href="https://onlinelibrary.wiley.com/doi/10.1002/jmv.1890330403">Earlier studies</a> have detected <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(96)10149-5/abstract">HSV-1 DNA in postmortem brain tissues</a> from people who had Alzheimer’s disease.</p> <p>Laboratory research has also shown <a href="https://doi.org/10.1016/j.neuron.2018.06.030">HSV-1 can trigger amyloid-beta plaque accumulation</a> in nerve cells and mouse brains. Amyloid-beta plaques are one of the defining features of Alzheimer’s disease pathology, so this has led to speculation that reactivation of the virus may contribute to brain inflammation or damage.</p> <p>But importantly, previous research and the current study show associations, not proof HSV-1 causes Alzheimer’s disease. These links do not confirm the virus initiates or drives disease progression.</p> <blockquote class="bluesky-embed" data-bluesky-uri="at://did:plc:f3ph3ymzcnhpchwqiu4u37g2/app.bsky.feed.post/3lpn5axtbvj2i" data-bluesky-cid="bafyreifwdab7rnvdpu6t3vnupdymct77ojzrhjkwxcndc2lo5b4ipjkvee" data-bluesky-embed-color-mode="system"> <p lang="">Got Cold Sores? You Might Be at Higher Risk for Alzheimer’s https://gizmodo.com/got-cold-sores-you-might-be-at-higher-risk-for-alzheimers-2000603873</p> <p><a href="https://bsky.app/profile/did:plc:f3ph3ymzcnhpchwqiu4u37g2/post/3lpn5axtbvj2i?ref_src=embed">[image or embed]</a></p> <p>— Gizmodo (<a href="https://bsky.app/profile/did:plc:f3ph3ymzcnhpchwqiu4u37g2?ref_src=embed">@gizmodo.com</a>) <a href="https://bsky.app/profile/did:plc:f3ph3ymzcnhpchwqiu4u37g2/post/3lpn5axtbvj2i?ref_src=embed">May 21, 2025 at 8:31 AM</a></p></blockquote> <h2>Some other important caveats</h2> <p>The study relied on insurance claim data, which may not always reflect accurate or timely clinical diagnoses. HSV-1 is also frequently underdiagnosed, especially when symptoms are mild or absent. These points could explain why both the Alzheimer’s group and the control group saw such low rates of HSV-1, when population rates of this virus <a href="https://www.who.int/news-room/fact-sheets/detail/herpes-simplex-virus">are estimated to be far higher</a>.</p> <p>This means many carriers of HSV-1 in the study may have gone unrecorded and therefore makes the link harder to interpret clearly. The dataset also doesn’t capture how often people had recurring symptoms, or the severity or duration of infections – conditions which might influence risk more directly.</p> <p>Another complicating factor is people with HSV-1 might differ in other ways from those without it. Differences in health-care access, the health of a person’s <a href="https://www.thelancet.com/journals/laninf/article/PIIS1473-3099(21)00144-4/fulltext">immune system</a>, <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(24)01296-0/abstract">lifestyle</a>, <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(13)60630-3/abstract">genetics</a>, or even <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(24)01296-0/abstract">education</a> – could all influence Alzheimer’s disease risk.</p> <h2>So should you be concerned if you have cold sores?</h2> <p>The short answer is no – at least not based on current evidence. Most people with HSV-1 will never develop Alzheimer’s disease. The vast majority live with the virus without any serious neurological issues.</p> <p>The “herpes hypothesis” of Alzheimer’s disease is an interesting area for further research, but far from settled science. This study adds weight to the conversation but doesn’t offer a definitive answer.</p> <p>Alzheimer’s disease is a complex condition with <a href="https://www.thelancet.com/commissions-do/dementia-prevention-intervention-and-care">multiple risk factors</a>, including age, genetics, heart health, education, lifestyle and environmental exposures.</p> <p>Infections such as HSV-1 may be one part of a larger, interconnected puzzle, but they are highly unlikely to be the sole cause.</p> <p>With this in mind, the best thing to do is to focus on what we already know can help keep your brain healthy as you age. <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(25)00184-9/abstract#:%7E:text=Emerging%20evidence%20suggests%20that%20sedentary,impairment%20and%20reduce%20dementia%20risk.">Regular physical activity</a>, <a href="https://www.health.harvard.edu/blog/sleep-well-and-reduce-your-risk-of-dementia-and-death-2021050322508">good quality sleep</a>, <a href="https://www.alzheimers.org.uk/about-dementia/managing-the-risk-of-dementia/reduce-your-risk-of-dementia/social-isolation">social engagement</a>, <a href="https://www.alzheimersresearchuk.org/dementia-information/dementia-risk/diet-and-dementia-risk/">a balanced diet</a> and <a href="https://www.health.harvard.edu/mind-and-mood/protect-your-brain-from-stress">managing stress</a> can all support long-term brain health.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/257140/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em>By <a href="https://theconversation.com/profiles/joyce-siette-1377445">Joyce Siette</a>, Associate Professor | Deputy Director, The MARCS Institute for Brain, Behaviour, and Development, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a></em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/could-cold-sores-increase-the-risk-of-alzheimers-disease-a-new-study-is-no-cause-for-panic-257140">original article</a>.</em></p> <p><em>Image: Gizmodo</em></p> </div>

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After a century of Monday to Friday, could the 4-day week finally be coming to Australia?

<div class="theconversation-article-body">The reality of shorter working hours could be one step closer for many Australians, pending the outcome of the federal election.</p> <p>The Greens, who could control crucial cross bench votes in a hung parliament, have announced plans for a <a href="https://greens.org.au/news/media-release/greens-launch-4-day-work-week-election-policy">four-day</a> working week, with no loss of pay. They say the policy would alleviate stress and burn out, and increase women’s participation in the workforce.</p> <p>Earning the same money for fewer hours would appeal to most workers. But is it too good to be true? Could it really be rolled out cost free to all workplaces, especially to “client facing” companies and service providers?</p> <p>Or does research suggest the Greens could be onto something?</p> <h2>The Greens’ plan</h2> <p>The Greens’ policy would involve a new National Institute for the Four Day Work Week and a test case through the Fair Work Commission.</p> <p>A series of national trials would be set up in a number of different industries, whereby workers would work 80% of their normal hours, while maintaining 100% of their pay.</p> <p>According to Greens Senator Barbara Pocock, it’s a win-win for everyone:</p> <blockquote> <p>It can increase productivity, reduce absenteeism, improve recruitment and retention and give employees more time to manage their home life. This change will allow workers to create a working week that works for them.</p> </blockquote> <h2>The 100:80:100 model</h2> <p>The four-day work week being proposed in this instance is commonly regarded as the 100:80:100 model.</p> <p>It delivers 100% of the pay, for 80% of the hours, in <a href="https://www.4dayweek.com/news-posts/100-80-100-rule">return</a> for maintaining 100% of productivity.</p> <p>This is unlike other forms of shorter working weeks, which compress five days’ worth of work into four longer days. This obviously disadvantages some employees.</p> <p>Recent <a href="https://figshare.swinburne.edu.au/articles/report/Emerging_Four_Day_Work_Week_Trends_in_Australia_New_insights_based_on_interviews_with_Australian_firms_who_have_already_adopted_4DWW_arrangements_Preview_report_/26282311?file=47647063">research</a> conducted by Swinburne University of Technology involved interviews with ten Australian firms that have already adopted the 100:80:100 model.</p> <p>They were a mixture of small and medium sized private sector businesses, including management consulting firms, a shipping and logistics company, and recruitment and marketing agencies.</p> <p>The research underlined the potential for a range of positive outcomes for both employers and employees.</p> <p>Workers reported having better work-life balance, more time to complete “life administration” tasks, and more time to invest in hobbies, exercise, wellness and self-care. Bosses cited productivity gains, reduced sick days, and significant improvements in recruitment and retention rates.</p> <p>However, the 100:80:100 model is viewed with scepticism in some quarters. There is still doubt that productivity and output would be maintained, or in some cases improved, when workers are working one day fewer per week.</p> <p>Also, there could be costs associated with the implementation of this work model for front-line roles, such as retail, schools, hospitals and nursing homes. Additional workers may need to be hired, at extra expense, to cover the hours dropped by the existing workforce.</p> <h2>100 years of working 5 days a week</h2> <p>The year 2026 will mark the 100th anniversary of the five-day work week.</p> <p>It was car maker Henry Ford who <a href="https://teachingamericanhistory.org/document/henry-fords-five-day-week/">reduced</a> the working week in the United States from six days to five. Other sectors and countries followed suit. This was at a time when the average life expectancy of Australian workers was just 55 and households typically only had one bread-winner.</p> <p>Despite the time saved by the many technological breakthroughs in the past 100 years – from the photocopier, desktop computer and fax machine, to the internet, mobile phones and AI – the average Australian is now <a href="https://futurework.org.au/report/taking-up-the-right-to-disconnect-unsatisfactory-working-hours-and-unpaid-overtime/">working longer hours</a> in paid and unpaid labour than ever before.</p> <p>The Greens point out Australian society is changing. More women and carers are either in the workforce or would be encouraged into the workforce by more flexible arrangements:</p> <blockquote> <p>yet we are constrained by archaic labour laws that see the fruits of our efforts swallowed up in profits for bosses and shareholders.</p> </blockquote> <p>The role of generative AI technologies in the workplace may also deliver benefits to workers. Separate Swinburne <a href="https://figshare.swinburne.edu.au/articles/report/Generative_AI_at_work_Empowering_employee_mental_wellbeing/27252948">research</a> has revealed an increasing expectation among workers that they will receive a share in the time saved by future technologies in the form of improved work-life balance and wellbeing gains.</p> <h2>Time to enter the 21st century</h2> <p>Earlier this year, <a href="https://www.theguardian.com/money/2025/jan/27/two-hundred-uk-companies-sign-up-for-permanent-four-day-working-week">200 UK companies</a> signed up to the 100:80:100 model, as part of a campaign to “reinvent Britain’s working week”. Large scale trials are also underway in <a href="https://4dayweek.io/country/canada">Canada</a> and several <a href="https://www.euronews.com/next/2024/02/02/the-four-day-week-which-countries-have-embraced-it-and-how-s-it-going-so-far">European</a> countries.</p> <p>The global interest in a shorter working week is not surprising, and has likely been fuelled by the COVID pandemic, which has caused workers and employers to re-imagine their working lives.</p> <p>If the Greens are in a position to leverage any balance of power after the coming election, it could be Australia’s turn to recognise the conventional five-day working week is no longer fit for purpose.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/252379/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em>By <a href="https://theconversation.com/profiles/john-l-hopkins-255434">John L. Hopkins</a>, Associate Professor of Management, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a></em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/after-a-century-of-monday-to-friday-could-the-4-day-week-finally-be-coming-to-australia-252379">original article</a>. </em></p> <p> </p> </div>

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Yes, it’s a terrible idea to pick up or interfere with wild animals – especially baby wombats. Here’s why

<div class="theconversation-article-body">It was hard to watch. In a now-deleted Instagram reel, American influencer Sam Jones is filmed <a href="https://www.abc.net.au/news/2025-03-12/us-influencer-removes-joey-wombat-from-mother/105041800">picking up</a> a young wombat, separating it from its mother, and running with it back to the car for a pose. In the background, the distressed mother tries to follow. At one point, Jones says: “Momma’s right there and she’s pissed. Let’s let him go.”</p> <p>We have spent our careers working with wildlife. Seeing a joey separated from her mother for social media content was unsettling. The encounter will have made stress levels soar for the baby and mother.</p> <p>Unfortunately, we are seeing a rise in people directly interacting with wildlife through <a href="https://conbio.onlinelibrary.wiley.com/doi/10.1111/csp2.12958">feeding them</a> or <a href="https://www.tandfonline.com/doi/pdf/10.1080/13683500.2020.1828312">taking risks</a> to get close to them, often driven by the pursuit of social media attention. These interactions can hurt wildlife in <a href="https://theconversation.com/liked-to-death-the-social-media-race-for-nature-photos-can-trash-ecosystems-or-trigger-rapid-extinction-235951">many different ways</a>.</p> <p>While there’s a natural tendency to want to connect with wildlife, wild animals often see humans as a threat. When we get too close, we can trigger fear responses such as increased heart rates and heightened stress hormones. Indeed, the consequences of interfering with wildlife can be <a href="https://doi.org/10.1016/j.scitotenv.2024.175106">far-reaching</a>.</p> <p>Jones was lucky not to have been injured – wombats weigh up to 40 kilograms and have teeth and claws they can use for defence. She could still come down with scabies – wombats often have mange, caused by the parasitic mite which gives us scabies.</p> <p>Others have been less lucky. People feeding dingoes on K'Gari <a href="https://www.theguardian.com/australia-news/2025/feb/02/more-and-more-tourists-are-being-attacked-by-dingoes-on-queenslands-kgari-can-it-be-stopped">has brought</a> these wild canines closer to people, leading to attacks. In response, authorities have occasionally opted to <a href="https://www.theguardian.com/australia-news/2024/jan/21/dingoes-pay-the-ultimate-price-on-kgari-but-some-believe-people-are-the-real-menace">kill</a> dingoes.</p> <p>Official approvals are required to capture and handle wildlife. Engaging in these activities without the necessary permits is typically illegal. These regulations are to safeguard wildlife from harm and protect humans as well.</p> <figure><iframe src="https://www.youtube.com/embed/3PhLPCXPseo?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe><figcaption><span class="caption">Instagram clip shows US influencer Sam Jones picking up a baby wombat.</span></figcaption></figure> <h2>What was wrong with the influencer’s behaviour?</h2> <p>What many people found difficult to see in the clip was the clear distress seen in both joey and mother.</p> <p>Wombat joeys are fully dependent on their mothers for between 18 months and two years – one of the longest periods for any marsupial. Interfering with this bond stresses both animals.</p> <p>The incident also took place on a road, increasing their risk of being hit by a vehicle – one of the biggest <a href="https://theconversation.com/2-biggest-threats-to-wombats-revealed-in-new-data-gathered-by-citizen-scientists-215713">threats to wombats</a>.</p> <p>Wildlife are exactly that – wild life. When we interact with wild creatures, we interrupt what they are doing. This can <a href="https://doi.org/10.1016/j.scitotenv.2024.175106">harm</a> the individual – and often, the group – by inducing physical or psychological stress, and changes in behaviour.</p> <h2>We want to connect – but it’s bad for the animals</h2> <p>Many of us draw a mental line between our pets and wild animals. Our cats and dogs jump up for a pat and seek our affection. Wouldn’t wild creatures enjoy the same thing?</p> <p>It took thousands of years to domesticate dogs, cats and other animals. Wild animals, on the other hand, perceive us very differently – often as a potential threat.</p> <p>When we feed wildlife food they are not used to, <a href="https://theconversation.com/how-you-can-help-not-harm-wild-animals-recovering-from-bushfires-131385#:%7E:text=In%20urgent%20cases%2C%20such%20as,wildlife%20veterinary%20hospitals%20for%20care.">it can make</a> them sick, or contribute to long term metabolic issues.</p> <p>Visitors often feed chips to quokkas on Rottnest Island, but these salty snacks can sicken the animals, which should be eating <a href="https://www.publish.csiro.au/wr/wr03051">grasses, stems and leaves</a>.</p> <p>Tourists flock to areas with wild kangaroos and often offer them food. But as they become used to our presence, they can still lash out. People <a href="https://www.theguardian.com/australia-news/2018/may/02/kangaroo-attacks-on-tourists-prompt-warnings-to-stop-feeding-them-junk-food">have been injured</a>, some badly.</p> <figure class="align-center zoomable">Touching animals comes with risks, from being scratched by koalas to being bitten by snakes. When a US wildlife expert was filmed touching a huge great white shark off Hawaii, dozens of people tried to <a href="https://www.abc.net.au/news/2019-01-18/conservationist-slammed-for-touching-huge-shark-off-hawaii/10725478">follow suit</a> – despite the risks.</figure> <p>Then there’s the disease risk. Wombats suffer from <a href="https://theconversation.com/2-biggest-threats-to-wombats-revealed-in-new-data-gathered-by-citizen-scientists-215713">sarcoptic mange</a>, while other marsupials may have <a href="https://theconversation.com/toxoplasma-the-parasite-that-takes-over-our-brains-197100">toxoplasmosis</a>, which can trigger miscarriages and neurological issues. Handling wild birds can give us the dangerous disease <a href="https://en.wikipedia.org/wiki/Psittacosis">psittacosis</a>.</p> <p>If you don’t have a permit, you should stay at a safe distance and watch the animal. The goal is to avoid interfering, and respect the animal’s autonomy and what it’s trying to do, whether that’s finding food, finding a mate, sleeping, or just lounging about.</p> <h2>Are more people trying to interact with animals?</h2> <p>After the COVID pandemic, many of us have been seeking outdoor experiences. Camping is <a href="https://www.austrade.gov.au/en/news-and-analysis/news/the-rise-of-nature-based-tourism-in-australia">on the rise</a>, as is ecotourism.</p> <p>At the same time, some influencers are trying to interact with wildlife, perhaps mimicking famous figures such as the late Steve Irwin. Irwin’s father, Bob, recently <a href="https://www.theguardian.com/australia-news/2023/apr/06/queensland-urged-to-prosecute-would-be-influencers-who-enter-crocodile-habitat">called for</a> harsher penalties for influencers entering crocodile territory after many close calls.</p> <p>Watching trained wildlife handlers can give us false confidence. We might think: if they do it, why can’t I?</p> <p>The problem is, wildlife handling is risky. Bites are common, even for trained experts. When we undertake wildlife research, we use gloves, cages, hoods and so on to reduce the risk to us and the stress to the animal.</p> <p>Wildlife carers who take on the role of rearing wombat joeys have to be <a href="https://doi.org/10.1071/AM24025">well trained</a> – and dedicated. Joeys need to be fed special milk <a href="https://theconversation.com/wallaby-joeys-and-platypus-puggles-are-tiny-and-undeveloped-when-born-but-their-mothers-milk-is-near-magical-207726">suited to marsupials</a> – cow’s milk is no good. They have to be fed round the clock in the early months.</p> <p>In many cases we are aware of, untrained individuals have attempted to rescue wombats or kangaroo joeys only to discover they can’t meet their specific care needs. Unfortunately, this often results in the joeys being abandoned or handed over to wildlife carers in poor condition.</p> <p>This doesn’t mean that interactions with animals are off-limits. Zoos and wildlife sanctuaries provide opportunities to handle captive animals under expert supervision. Volunteering with wildlife carers or training to become a carer are viable ways to engage with animals responsibly.</p> <p>Influencers don’t have to grab an animal from the wild to show how amazing it is. You can show natural behaviour by following an animal from a safe distance or use existing footage.</p> <p>If you can’t captivate an audience with the wonders of wildlife without harassing a wild animal, then perhaps it’s time to rethink and refine your social media strategy.</p> <p>When we are out in the bush, it’s natural to be fascinated by the presence of wild creatures. But we must find ways of building our connection with nature without harming what we see – and without risking harm to ourselves.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/252164/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p>By <em><a href="https://theconversation.com/profiles/julie-old-186935">Julie Old</a>, Associate Professor in Biology, Zoology and Animal Science, <a href="https://theconversation.com/institutions/western-sydney-university-1092">Western Sydney University</a>; <a href="https://theconversation.com/profiles/dale-nimmo-15432">Dale Nimmo</a>, Professor in Ecology, <a href="https://theconversation.com/institutions/charles-sturt-university-849">Charles Sturt University</a>; <a href="https://theconversation.com/profiles/hayley-stannard-560761">Hayley Stannard</a>, Senior Lecturer in Animal Anatomy and Physiology, <a href="https://theconversation.com/institutions/charles-sturt-university-849">Charles Sturt University</a>, and <a href="https://theconversation.com/profiles/robert-davis-225195">Robert Davis</a>, Associate Professor in Wildlife Conservation, <a href="https://theconversation.com/institutions/edith-cowan-university-720">Edith Cowan University</a></em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/yes-its-a-terrible-idea-to-pick-up-or-interfere-with-wild-animals-especially-baby-wombats-heres-why-252164">original article</a>.</em></p> <p><em>Image: WikiCommons</em></p> </div>

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Replacing stamp duty with a land tax could save home buyers big money. Here’s how

<div class="theconversation-article-body"> <p>Infrastructure Victoria has released a <a href="https://assets.infrastructurevictoria.com.au/assets/Victorias-draft-30-year-infrastructure-strategy.pdf">draft 30-year plan </a> outlining how the state can grow sustainably.</p> <p>It focuses on key areas like transport, housing, energy, and public services to support a growing population and improve liveability. The plan also suggests ways to make the state’s infrastructure and tax system fairer, more efficient and more sustainable.</p> <p>The plan’s recommendations are expected to cost between A$60 billion and $75 billion, mostly spent before 2035. This is around 10% of <a href="https://www.abs.gov.au/statistics/economy/national-accounts/australian-national-accounts-state-accounts/2023-24-financial-year#data-downloads">Victoria’s yearly economic output</a> in 2023-24, spread over the next decade.</p> <p>With Victoria already spending record amounts on infrastructure, and <a href="https://pbo.vic.gov.au/document/BudgetUpdateSnapshot2024-25">budget deficits forecast</a> until 2025-26, finding the money to fund social housing, transport and other projects is a key challenge. We estimate the Infrastructure Victoria proposals would add between $4 billion and $5 billion to Victorian government expenditure each year.</p> <p>Yet one of its proposals — replacing stamp duty with an annual land tax — would only cost between $1 million and $5 million to implement, but generate substantial gains for Victorian households.</p> <h2>Why replace stamp duty with land tax?</h2> <p>Stamp duty is one of the biggest barriers to moving house in Victoria and other Australian states. This tax, which people pay when they buy property, adds thousands of dollars to the cost of moving.</p> <p>In 2022-23, Victorians paid about <a href="https://www.abs.gov.au/statistics/economy/national-accounts/australian-national-accounts-state-accounts/2023-24-financial-year#data-downloads">$12 billion</a> to move house. Of this, $3 billion went to actual moving costs (like real estate services, and removalists) and $9 billion was <a href="https://www.abs.gov.au/statistics/economy/government/taxation-revenue-australia/latest-release#data-downloads">stamp duty</a>.</p> <p>That’s an effective tax rate of 300% on the true cost of moving, and in 2023 <a href="https://www.e-business.sro.vic.gov.au/calculators/land-transfer-duty">added about</a> $40,000, or 5.3%, to the cost of purchasing the average Victorian home.</p> <p>High stamp duty discourages people from relocating, even when their needs change — whether that’s moving for a new job, finding a bigger home for a growing family or downsizing after retirement. This leads to longer commutes, traffic congestion and a less efficient housing market. </p> <p>Switching from stamp duty to an annual land tax would make moving easier and spread the tax burden more fairly.</p> <p>Instead of a large, one-time tax when buying a home, all landowners would pay a smaller tax each year. This would help fund schools, hospitals, and other infrastructure more sustainably.</p> <h2>What can we learn from Canberra?</h2> <p>Victoria University’s Centre of Policy Studies <a href="https://www.treasury.act.gov.au/__data/assets/pdf_file/0009/1618407/cops-final-report.pdf">studied a similar reform</a> in the Australian Capital Territory, where stamp duty has been gradually phased out since 2012 and replaced with higher general rates (a type of land tax).</p> <p>Each year, the ACT government sets a target for how much money it needs to raise. Landowners then pay a share of that total, based on the value of their land.</p> <p>One of the biggest benefits of this approach is that it raises money more efficiently. Unlike other taxes, land taxes don’t discourage investment or economic activity.</p> <p>The study found removing stamp duty had a big positive impact on the ACT’s economy. Around 80% of the economic boost came from removing stamp duty, while introducing land tax also had benefits. By studying transaction data from the ACT, we showed each 10% reduction stamp duty rates drove a 6% rise in property transactions.</p> <h2>Would it help housing affordability?</h2> <p>One of the main arguments for replacing stamp duty with land tax is its effect on housing prices. Economists widely agree land taxes reduce land values, which makes housing more affordable. </p> <p>However, the impact of removing stamp duty is less predictable. Our previous research found <a href="https://theconversation.com/swapping-stamp-duty-for-land-tax-would-push-down-house-prices-but-push-up-apartment-prices-new-modelling-finds-184381">the effect on house prices</a> depends on how often properties are bought and sold. Apartments, for example, tend to change hands more frequently than houses. Because of this, removing stamp duty tends to push up apartment prices more than house prices.</p> <p>Even so, the overall effect of the reform is a drop in property prices. The challenge is ensuring this price reduction is evenly spread across different types of housing.</p> <h2>A fairer tax system</h2> <p>To make the system fairer, policymakers could adjust how land tax is applied. One option is to introduce a fixed-rate component, as <a href="https://www.revenue.nsw.gov.au/grants-schemes/previous-schemes/first-home-buyer-choice">proposed </a> in New South Wales. Another idea, suggested 15 years ago in the <a href="https://treasury.gov.au/sites/default/files/2019-10/afts_final_report_part_1_consolidated.pdf">Henry Tax Review</a>, is to base the tax on the per-square-metre value of land.</p> <p>Another key factor is housing supply. If planning laws allow more high-density housing in inner suburbs, price changes could be better managed.</p> <h2>We also need short-term solutions</h2> <p>Replacing stamp duty with land tax is a long-term reform that would take years to fully implement. The ACT, for example, planned a 20-year transition.</p> <p>If all state governments implemented this reform, we estimate Australian households would ultimately be <a href="https://www.copsmodels.com/ftp/workpapr/g-337.pdf">better off by about</a> $,1600 per household per year.</p> <p>In the short term, <a href="https://theconversation.com/whats-the-best-way-to-ease-rents-and-improve-housing-affordability-we-modelled-4-of-the-governments-biggest-programs-225446">other policies </a> could help improve housing affordability. These include increasing Commonwealth Rent Assistance and rethinking first-home buyer support. These steps could complement broader tax, infrastructure and housing supply reforms.</p> <p>The Victorian government is <a href="https://engage.vic.gov.au/victorias30yearinfrastructurestrategy">seeking feedback</a> on the draft plan before releasing the final version later this year. This is an opportunity for Victorians to contribute ideas on how to shape the state’s future and ensure its infrastructure and tax system work for everyone.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/251472/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/jason-nassios-318488"><em>Jason Nassios</em></a><em>, Associate Professor, Centre of Policy Studies, <a href="https://theconversation.com/institutions/victoria-university-1175">Victoria University</a> and <a href="https://theconversation.com/profiles/james-giesecke-9853">James Giesecke</a>, Professor, Centre of Policy Studies and the Impact Project, <a href="https://theconversation.com/institutions/victoria-university-1175">Victoria University</a></em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/replacing-stamp-duty-with-a-land-tax-could-save-home-buyers-big-money-heres-how-251472">original article</a>.</em></p> <p><em>Image: 7news.com.au</em></p> </div>

Money & Banking

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"Could not be happier": Channel 7 commentator's baby joy

<p>AFL great and Channel 7 commentator Dale Thomas and his wife Natasha have announced that they are expecting their first child together. </p> <p>The couple told family and friends over Christmas before announcing their baby joy to the public on Monday. </p> <p>“Tash and I could not be happier to be welcoming our baby into the world in August,” the former Carlton and Collingwood player said. </p> <p>“Last year started with the high of our wedding and ended with this fantastic news.</p> <p>“Telling loved ones over the Christmas period made for some wonderful memories and some brilliant reactions, and we will treasure this forever.</p> <p>“This next chapter has us both so excited.</p> <p>“As happy as we are to be sharing this great personal news, we also want to acknowledge and send big love and thoughts to those who are still waiting for their baby joy.</p> <p>“We appreciate how difficult and sensitive it can be.”</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/reel/DGusT0yz1zr/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/DGusT0yz1zr/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Dale Thomas (@dthomas_39)</a></p> </div> </blockquote> <p>The couple also shared a video of the moment they found out they were expecting, and revealed the due date is in August on Instagram. </p> <p>"Baby Thomas, due August ❤️ We love you so, so much," they captioned the video. </p> <p>The comments were flooded with well-wishes from friends, with footy commentator Abbey Holmes writing: "YAY. Cats outta the bag!! So so so excited for you both. Bring it on xxxxxxxxxxxxxx." </p> <p>"OMFG this is the best news ever!!!! What a wonderful Monday surprise. Congratulations to the both you. Good job," added MasterChef's Khanh Ong.</p> <p>The happy news comes a year after they tied the knot in Dunkeld. </p> <p><em>Images: Instagram</em></p>

Family & Pets

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From sunscreen to essential oils, why some personal care products could be harmful to your health

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/asit-kumar-mishra-1458839">Asit Kumar Mishra</a>, <a href="https://theconversation.com/institutions/university-college-cork-1321">University College Cork</a></em></p> <p>Each time you apply sunscreen to your face, you may inhale somewhere between <a href="https://www.mdpi.com/1660-4601/20/11/5944">10 to 30 milligrams of ethanol</a>, the type of alcohol used in alcoholic drinks. While the ethanol in sunscreen may not give you a buzz, it could make you think about what other chemicals you might be exposed to from personal care products.</p> <p>Products that are applied to the face, like sunscreen, can increase the inhalation of some chemicals by ten times or more than you would inhale from your <a href="https://pubmed.ncbi.nlm.nih.gov/34816489/">home air in the entire day</a>.</p> <p>The levels of ethanol in cosmetics and skincare products may be reasonably safe – although it can still dry out the skin, causing pain, redness and swelling, and <a href="https://www.gov.uk/government/publications/ethanol-properties-uses-and-incident-management/ethanol-general-information">irritate the eyes</a>, causing tears, burning and stinging – but personal care products such as shampoos, skin creams, deodorants, cosmetics and perfumes contain fragrances and other volatile organic compounds (VOCs), which can be inhaled, absorbed through skin or ingested and some are more toxic than others.</p> <p>Unfortunately, manufacturers of personal care products <a href="https://link.springer.com/article/10.1007/s11869-015-0327-6">do not have to disclose</a> every fragrance compound used. This is concerning when you consider the potential effects of toxic compounds that <a href="https://pubmed.ncbi.nlm.nih.gov/34816489/">have been detected</a> in the air from personal care products. For example, hair-smoothing products have released formaldehyde, a toxic chemical that can cause <a href="https://www.ncbi.nlm.nih.gov/books/NBK597627/">a range of symptoms</a> from dermatitis to low sperm count. Some perfumes and deodorants have generated monoterpenes, chemicals which <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC8912113/#sec1-molecules-27-01716">can prove toxic</a> for some users.</p> <figure><iframe src="https://www.youtube.com/embed/cfloNXKeyX8?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <p>Some of the VOCs found in personal care products <a href="https://pubmed.ncbi.nlm.nih.gov/36976159/">may trigger</a> skin irritation, headaches – and difficulty breathing, which can develop into an asthma attack in some users. The highest or peak concentration of these VOCs are likely to <a href="https://pubmed.ncbi.nlm.nih.gov/22406137/">occur within ten minutes</a> of application. But these concentrations may take up to <a href="https://pubmed.ncbi.nlm.nih.gov/34816489/">two hours to decrease to background levels</a>, depending on your home’s ventilation.</p> <h2>Natural doesn’t mean risk free</h2> <p>But even if the levels of <a href="https://pubmed.ncbi.nlm.nih.gov/20659630/">VOCs in personal care products</a> are kept <a href="https://pubmed.ncbi.nlm.nih.gov/22406137/">within safe limits</a>, they can still cause discomfort and a variety of health issues, including irritation of the eyes and airways, migraines and asthmatic reactions, in those who’re <a href="https://enveurope.springeropen.com/articles/10.1186/s12302-020-00311-y">fragrance sensitive</a>. In the UK, <a href="https://link.springer.com/article/10.1007/s11869-018-00655-8">27% of the population</a> self reports as fragrance sensitive.</p> <p>It makes sense then that some people attempt to avoid potentially toxic synthetic chemicals in cosmetics by opting for “natural” or “clean” personal care products. But, <a href="https://enveurope.springeropen.com/articles/10.1186/s12302-020-00311-y">natural does not mean safer</a>.</p> <p>For instance, essential oils are often used in “natural” personal care products as fragrance. Essential oils, though, are a source of terpenes, some of which can be <a href="https://www.lung.org/blog/essential-oils-harmful-or-helpful">toxic if absorbed, inhaled or swallowed</a>.</p> <p>Indoor concentration of terpenes are often at levels where you can smell them but not high enough to cause <a href="https://pubmed.ncbi.nlm.nih.gov/28126407/">eye or respiratory tract irritation</a>. However, the terpenes from essential oils can react with other chemicals, such as ozone from outdoor air, producing <a href="https://pubmed.ncbi.nlm.nih.gov/32162221/">byproducts like formaldehyde, a known carcinogen</a> and <a href="https://pubmed.ncbi.nlm.nih.gov/22250748/">allergens</a>.</p> <h2>Beauty salon safety</h2> <p>Beauty salons can be particularly risky environments for exposure to VOCs. <a href="https://www.mdpi.com/1660-4601/19/7/4176">Studies have found</a> contaminants such as formaldehyde, ammonia and <a href="https://www.gov.uk/government/publications/toluene-properties-incident-management-and-toxicology/toluene-toxicological-overview">toluene</a>, a potentially harmful ingredient used in many personal care products, at high levels in salons, putting staff who work there at the highest risk.</p> <p>Formaldehyde levels in some salons have reached <a href="https://pubmed.ncbi.nlm.nih.gov/31321727/">above safety limits</a>. <a href="https://www.dcceew.gov.au/environment/protection/npi/substances/fact-sheets/methyl-methacrylate#tabs-2">Methyl methacrylate</a>, which can cause skin irritation, allergic reactions and potential <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC3072694/">respiratory issues</a> has been <a href="https://pubmed.ncbi.nlm.nih.gov/30276513/">detected in the air of nail salons</a>.</p> <figure><iframe src="https://www.youtube.com/embed/ydRklqO01fE?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <p>These contaminants are not necessarily limited to the places in a salon <a href="https://pubmed.ncbi.nlm.nih.gov/23765035/">where a certain product is being used</a>. Beauty salons with poor ventilation are likely to expose workers and customers to <a href="https://pubmed.ncbi.nlm.nih.gov/29494285/">much higher levels of contaminants</a>. Some of the components of personal care products are known, harmful contaminants and carcinogens.</p> <p>Regulations specifically related to ventilation in environments where large volumes of these products are used do reduce exposures. For instance, studies show that after ventilation regulations came into effect in Boston, US in 2011, the <a href="https://pubmed.ncbi.nlm.nih.gov/31622145/">air quality inside nail salons improved</a>.</p> <p>When visiting your nail salon or hair stylist, check with them about their ventilation system and other steps they are taking to reduce exposure to VOCs.</p> <p>To limit exposure to potential VOCs at home when using personal care products, try to open windows and use extractor fans in wet rooms. Be especially careful when applying products to the face or when using a high temperature application – <a href="https://occup-med.biomedcentral.com/articles/10.1186/s12995-018-0213-x">high temperatures can increase emissions</a>.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/248273/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/asit-kumar-mishra-1458839"><em>Asit Kumar Mishra</em></a><em>, Research Fellow in School of Public of Health, <a href="https://theconversation.com/institutions/university-college-cork-1321">University College Cork</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/from-sunscreen-to-essential-oils-why-some-personal-care-products-could-be-harmful-to-your-health-248273">original article</a>.</em></p> </div>

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How Rex could become the next national carrier

<p>The federal government could acquire Rex Airlines if a suitable private sector buyer can’t be found for the struggling airline. </p> <p>The government will be working with Rex administrators and shortlisted bidders to find a buyer committed to breathing new life into the regional carrier. </p> <p>If the plan falls through, the Albanese government will begin working on contingency plans, including preparations for a potential Commonwealth acquisition.</p> <p>This will be the second time the government has stepped in to help Rex, after they vowed to take on Rex Airlines' $50 million debt in order to keep the company, that collapsed on June 30th 2024, servicing regional Australia. </p> <p>“Regional Australians deserve access to quality and crucial regional aviation services,” Prime Minister Anthony Albanese said.</p> <p>“That’s why we’re taking steps to ensure the best possible deal for the sale of Rex.”</p> <p>Should Rex be nationalised, it would be the first time a federal government has owned an airline in three decades after Qantas was privatised in 1995.</p> <p>“When markets fail or struggle to deliver for regional communities the government has a role to ensure people do not miss out on opportunities, education and critical connections,” federal Transport Minister Catherine King said.</p> <p>“We are recognising that today and stepping in to keep these routes in the air.”</p> <p>The government has also guaranteed Rex’s regional flight slots at Sydney Airport until October 2026.</p> <p><em>Image credits: Shutterstock </em></p>

Domestic Travel

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Most retirees who rent live in poverty. Here’s how boosting rent assistance could help lift them out of it

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/brendan-coates-154644">Brendan Coates</a>, <a href="https://theconversation.com/institutions/grattan-institute-1168">Grattan Institute</a>; <a href="https://theconversation.com/profiles/joey-moloney-1334959">Joey Moloney</a>, <a href="https://theconversation.com/institutions/grattan-institute-1168">Grattan Institute</a>, and <a href="https://theconversation.com/profiles/matthew-bowes-2316740">Matthew Bowes</a>, <a href="https://theconversation.com/institutions/grattan-institute-1168">Grattan Institute</a></em></p> <p>Most Australians can look forward to a comfortable retirement. More than three in four retirees own their own home, most report feeling comfortable financially, and few suffer financial stress.</p> <p>But our new Grattan Institute <a href="https://grattan.edu.au/report/renting-in-retirement-why-rent-assistance-needs-to-rise/">report</a> paints a sobering picture for one group: retirees who rent in the private market. Two-thirds of this group live in poverty, including more than three in four single women who live alone.</p> <hr /> <p><iframe id="x2VND" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/x2VND/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe></p> <hr /> <p>Retirees who rent often have little in the way of retirement savings: more than half have less than A$25,000 stashed away. And a growing number of older Australians are at risk of becoming homeless.</p> <p>But our research also shows just how much we’d need to boost Commonwealth Rent Assistance to make housing more affordable and ensure all renters are able to retire with dignity.</p> <h2>Today’s renters, tomorrow’s renting retirees</h2> <p>Home ownership is falling among poorer Australians who are approaching retirement.</p> <p>Between 1981 and 2021, home ownership rates among the poorest 40% of 45–54-year-olds fell from 68% to just 54%. Today’s low-income renters are tomorrow’s renting retirees.</p> <p>Age pensioners need at least $40,000 in savings to afford to spend $350 a week in rent, together with the <a href="https://www.servicesaustralia.gov.au/age-pension">Age Pension</a> and <a href="https://www.servicesaustralia.gov.au/rent-assistance">Rent Assistance</a>. That’s enough to afford the cheapest 25% of one-bedroom homes in capital cities.</p> <p>But Australians who are renting as they approach retirement tend to have little in the way of retirement savings. 40% of renting households aged 55-64 have net financial wealth less than $40,000.</p> <h2>Rent assistance is too low</h2> <p>Our <a href="https://grattan.edu.au/report/renting-in-retirement-why-rent-assistance-needs-to-rise/">research</a> shows that Commonwealth Rent Assistance, which supplements the Age Pension for poorer retirees who rent, is inadequate.</p> <p>The federal government has <a href="https://ministers.treasury.gov.au/ministers/jim-chalmers-2022/speeches/budget-speech-2024-25">lifted the maximum rate of Rent Assistance</a> by 27% – over and above inflation – in the past two budgets. But the payment remains too low.</p> <p>A typical single retiree needs at least $379 per week to afford essential non-housing costs such as food, transport and energy.</p> <p>But we found a single pensioner who relies solely on income support can afford to rent just 4% of one-bedroom homes in Sydney, 13% in Brisbane, and 14% in Melbourne, after covering these basic living expenses.</p> <p>With Rent Assistance indexed to inflation, rather than low-income earners’ housing costs, the maximum rate of the payment has increased by 136% since 2001, while the rents paid by recipients have increased by 193%.</p> <h2>A boost is needed</h2> <p>Our analysis suggests that to solve this problem, the federal government should increase the maximum rate of Rent Assistance by 50% for singles and 40% for couples.</p> <p>The payment should also be indexed to changes in rents for the cheapest 25% of homes in our capital cities.</p> <p>These increases would boost the maximum rate of Rent Assistance by $53 a week ($2,750 a year) for singles, and $40 a week ($2,080 a year) for couples.</p> <p>This would ensure single retirees could afford to spend $350 a week on rent, enough to rent the cheapest 25% of one-bedroom homes across Australian capital cities, while still affording other essentials.</p> <p>Similarly, retired couples would be able to afford to spend $390 a week on rent, enough to rent the cheapest 25% of all one- and two-bedroom homes.</p> <hr /> <p><iframe id="EZBuw" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/EZBuw/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe></p> <hr /> <h2>Unlikely to push up rents</h2> <p>One common concern is that increasing Rent Assistance will just lead landlords to hike rents. But we find little evidence that this is the case.</p> <p>International studies suggest that more than five in six dollars of any extra Rent Assistance paid would benefit renters, rather than landlords.</p> <hr /> <p><iframe id="qGxQE" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/qGxQE/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe></p> <hr /> <p>In Australia, there’s little evidence that recent increases in Rent Assistance have pushed up rents.</p> <p>Our analysis of NSW rental bond lodgement data suggests areas with higher concentrations of Rent Assistance recipients did not see larger rent increases in the year after the payment was boosted.</p> <p>That’s not surprising. Rent Assistance is paid to tenants, not landlords, which means tenants are likely to spend only a small portion of any extra income on housing.</p> <p>Since rates of financial stress are even higher among younger renters, we propose that any increase to Rent Assistance should also apply to working-age households.</p> <p>Boosting Rent Assistance for all recipients would cost about $2 billion a year, with about $500 million of this going to retirees.</p> <p>These increases could be paid for by further <a href="https://grattan.edu.au/report/super-savings-practical-policies-for-fairer-superannuation-and-a-stronger-budget/">tightening superannuation tax breaks</a>, <a href="https://grattan.edu.au/report/housing-affordability-re-imagining-the-australian-dream/">curbing negative gearing and halving the capital gains tax discount</a>, or counting more of the value of the family home in the Age Pension assets test.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/249134/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/brendan-coates-154644">Brendan Coates</a>, Program Director, Housing and Economic Security, <a href="https://theconversation.com/institutions/grattan-institute-1168">Grattan Institute</a>; <a href="https://theconversation.com/profiles/joey-moloney-1334959">Joey Moloney</a>, Deputy Program Director, Housing and Economic Security, <a href="https://theconversation.com/institutions/grattan-institute-1168">Grattan Institute</a>, and <a href="https://theconversation.com/profiles/matthew-bowes-2316740">Matthew Bowes</a>, Associate, Housing and Economic Security, <a href="https://theconversation.com/institutions/grattan-institute-1168">Grattan Institute</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/most-retirees-who-rent-live-in-poverty-heres-how-boosting-rent-assistance-could-help-lift-them-out-of-it-249134">original article</a>.</em></p> </div>

Money & Banking

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The heart research that could save fit and healthy Australians

<p>Leading scientists at the <a title="https://www.hri.org.au" href="https://www.hri.org.au/" data-outlook-id="7561b6b0-1679-4cf1-aedd-c178db738113">Heart Research Institute</a> (HRI) are close to uncovering a new biomarker to identify people at risk of heart disease with a simple blood test, after a “good” gene was identified that causes the heart to enlarge with exercise.</p> <p>The world first discovery was led by one of Australia’s foremost heart scientists, Professor Julie McMullen, who is now leading HRI’s Heart Muscle Group to focus on developing new ways to prevent and treat heart attack and heart failure. </p> <p>“Our goal is to reproduce the actions of the ‘good’ genes in the diseased heart by mimicking the beneficial effects of exercise in a failing heart. We then use that information to develop new drugs to reduce the risk of heart disease or heart failure,” Prof McMullen said. </p> <p>One person has a heart attack in Australia every 10 minutes, while one Australian dies from cardiovascular disease every 12 minutes.</p> <p>“Heart disease can happen to any of us. With increasing rates of obesity and type two diabetes, people are being affected by heart conditions at a much younger age, which can progress to heart attack and heart failure,” Prof McMullen said.</p> <p>“Current drugs are not very effective for improving heart function and quality of life, so it is important that we identify new therapies for patients with heart disease and heart failure.” </p> <p>A simple blood test could have helped someone like Warren Williams, who was a fit and healthy tri-athelete when he discovered he had atrial fibrillation. The Sydney father had to be fitted with a pacemaker, only to still suffer a massive cardiac arrest years later while on a run.</p> <p>“Doctors told me I should be dead, they said I shouldn’t have lived through it,” he said.</p> <p>"Somehow I miraculously survived, probably due to my fitness, but that we will never know. I was told I wouldn’t be able to run again, ride a bike, sing on stage, and possibly not even work again."</p> <p>The father is now on a mission to spread awareness about regular heart check-ups, especially for those people who feel fit and healthy.</p> <p>"Atrial Fibrillation affects people in many different ways - for some, everyday life and function becomes quite difficult, whereas in others, like myself, it can be a silent underlying condition with potentially life-threatening outcomes."</p> <p>Scientists are hoping to find the gift of research in their Santa stocking this festive season as HRI launches a targeted <a title="https://www.hri.org.au/donate-christmas-appeal" href="https://www.hri.org.au/donate-christmas-appeal" data-outlook-id="69ee70de-a228-4c82-9fb7-4efd2bcfa0b0">Christmas Appeal</a> to help Prof McMullen’s team ramp up their work to the next phase.</p> <p>“We know this biomarker is there and we are close to finding it, but it comes down to researchers getting time in the lab,” Prof McMullen said.</p> <p>“By donating, individuals can fund essential laboratory resources and high-tech equipment, accelerating the availability of life-changing treatments for those in need, said Prof McMullen.</p> <p><em>Image credits: Shutterstock </em></p>

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Readers response: If you could live abroad temporarily, where would you go and why?

<p>We asked our readers where they would settle if they could relocate, and why they would pick their new home destination, and the response was overwhelming. Here's what they said.</p> <p><strong>Cathy Parker</strong> - Scotland, and it wouldn't be temporarily, it would be permanent!</p> <p><strong>Karleen Green</strong> - Ireland, but without winter.</p> <p><strong>Jackie A Morris</strong> - Southern Spain, beautiful place and wonderful people.</p> <p><strong>Lyn McLaughlin</strong> - London. I'd easily fit in there.</p> <p><strong>Jeanne Meyers</strong> - South Africa as I lived there for 10 years and loved it.</p> <p><strong>Jenny Harris</strong> - Italy. I just love the atmosphere, friendliness of people and way of life.</p> <p><strong>Stuart Galloway</strong> - Menorca, Spain. Nice people, laid back atmosphere, and fewer (and better behaved) tourists compared to Ibiza and Majorca.</p> <p><strong>Ruth Peter Nussbaumer</strong> - Italy or southern Switzerland. So much culture and food. I would have to be millionaire though!</p> <p><strong>Yvonne Knight </strong>- Vietnam. Gorgeous people and very inexpensive.</p> <p><strong>Robyn Wilkie</strong> - Canada or Alaska. Been twice but never long enough. Love, love those places.</p> <p><strong>Kathy Wise</strong> - Germany, Austria, Switzerland or Canada!</p> <p><strong>Barbara Dakers</strong> - South Island New Zealand, or Norway. Poles apart but both so very beautiful, natural, peaceful and friendly.</p> <p><em>Image credits: Shutterstock </em></p>

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New study suggests weight loss drugs like Ozempic could help with knee pain. Here’s why there may be a link

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/giovanni-e-ferreira-1030477">Giovanni E. Ferreira</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> and <a href="https://theconversation.com/profiles/christina-abdel-shaheed-425241">Christina Abdel Shaheed</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p>The drug semaglutide, commonly known by the brand names Ozempic or Wegovy, was <a href="https://theconversation.com/the-rise-of-ozempic-how-surprise-discoveries-and-lizard-venom-led-to-a-new-class-of-weight-loss-drugs-219721">originally developed</a> to help people with type 2 diabetes manage their blood sugar levels.</p> <p>However, researchers have discovered it may help with other health issues, too. Clinical trials show semaglutide can be effective for <a href="https://www.nejm.org/doi/full/10.1056/NEJMoa2032183">weight loss</a>, and hundreds of thousands of people around the world are using it <a href="https://theconversation.com/considering-taking-a-weight-loss-drug-like-ozempic-here-are-some-potential-risks-and-benefits-219312">for this purpose</a>.</p> <p>Evidence has also shown the drug can help manage <a href="https://www.nejm.org/doi/full/10.1056/NEJMoa2306963">heart failure</a> and <a href="https://www.nejm.org/doi/full/10.1056/NEJMoa2403347">chronic kidney disease</a> in people with obesity and type 2 diabetes.</p> <p>Now, a study published in the <a href="https://www.nejm.org/doi/full/10.1056/NEJMoa2403664">New England Journal of Medicine</a> has suggested semaglutide can improve knee pain in people with obesity and osteoarthritis. So what did this study find, and how could semaglutide and osteoarthritis pain be linked?</p> <h2>Osteoarthritis and obesity</h2> <p>Osteoarthritis is a common joint disease, affecting <a href="https://www.aihw.gov.au/reports/chronic-musculoskeletal-conditions/osteoarthritis">2.1 million Australians</a>. Most people with osteoarthritis <a href="https://theconversation.com/do-you-have-knee-pain-from-osteoarthritis-you-might-not-need-surgery-heres-what-to-try-instead-236779">have pain</a> and find it difficult to perform common daily activities such as walking. The knee is <a href="https://pubmed.ncbi.nlm.nih.gov/37675071/">the joint most commonly affected</a> by osteoarthritis.</p> <p>Being overweight or obese is a <a href="https://pubmed.ncbi.nlm.nih.gov/25447976/">major risk factor</a> for osteoarthritis in the knee. The link between the two conditions <a href="https://pubmed.ncbi.nlm.nih.gov/26821091/">is complex</a>. It involves a combination of increased load on the knee, <a href="https://www.nature.com/articles/s41413-023-00301-9">metabolic factors</a> such as high cholesterol and high blood sugar, and inflammation.</p> <p>For example, elevated blood sugar levels increase the production of inflammatory molecules in the body, which can damage the cartilage in the knee, and lead to the <a href="https://pubmed.ncbi.nlm.nih.gov/30712918/">development of osteoarthritis</a>.</p> <p>Weight loss is strongly recommended to reduce the pain of knee osteoarthritis in people who are overweight or obese. <a href="https://pubmed.ncbi.nlm.nih.gov/31908149/">International</a> and <a href="https://www.safetyandquality.gov.au/sites/default/files/2024-08/osteoarthritis-knee-clinical-care-standard-2024.pdf">Australian guidelines</a> suggest losing as little as 5% of body weight can help.</p> <p>But losing weight with just diet and exercise can be difficult for many people. <a href="https://pubmed.ncbi.nlm.nih.gov/26180980/">One study</a> from the United Kingdom found the annual probability of people with obesity losing 5% or more of their body weight was less than one in ten.</p> <p>Semaglutide has recently entered the market as a potential alternative route to weight loss. It comes from a class of drugs known as GLP-1 receptor agonists and works by increasing a person’s sense of fullness.</p> <h2>Semaglutide for osteoarthritis?</h2> <p>The rationale for the <a href="https://www.nejm.org/doi/full/10.1056/NEJMoa2403664">recent study</a> was that while we know weight loss alleviates symptoms of knee osteoarthritis, the effect of GLP-1 receptor agonists was yet to be explored. So the researchers set out to understand what effect semaglutide might have on knee osteoarthritis pain, alongside body weight.</p> <p>They randomly allocated 407 people with obesity and moderate osteoarthritis into one of two groups. One group received semaglutide once a week, while the other group received a placebo. Both groups were treated for 68 weeks and received counselling on diet and physical activity. At the end of the treatment phase, researchers measured changes in knee pain, function, and body weight.</p> <p>As expected, those taking semaglutide lost more weight than those in the placebo group. People on semaglutide lost around 13% of their body weight on average, while those taking the placebo lost around 3% on average. More than 70% of people in the semaglutide group lost at least 10% of their body weight compared to just over 9% of people in the placebo group.</p> <p>The study found semaglutide reduced knee pain significantly more than the placebo. Participants who took semaglutide reported an additional 14-point reduction in pain on a 0–100 scale compared to the placebo group.</p> <p>This is much greater than the pain reduction in another <a href="https://pubmed.ncbi.nlm.nih.gov/36511925/">recent study</a> among people with obesity and knee osteoarthritis. This study investigated the effects of a diet and exercise program compared to an attention control (where participants are provided with information about nutrition and physical activity). The results here saw only a 3-point difference between the intervention group and the control group on the same scale.</p> <p>The amount of pain relief reported in the semaglutide trial is also larger than that reported with commonly used pain medicines such as <a href="https://pubmed.ncbi.nlm.nih.gov/35442752/">anti-inflammatories</a>, <a href="https://pubmed.ncbi.nlm.nih.gov/35137418/">opioids</a> and <a href="https://www.bmj.com/content/372/bmj.m4825">antidepressants</a>.</p> <p>Semaglutide also improved knee function compared to the placebo. For example, people who took semaglutide could walk about 42 meters further than those on the placebo in a six-minute walking test.</p> <h2>How could semaglutide reduce knee pain?</h2> <p>It’s not fully clear how semaglutide helps with knee pain from osteoarthritis. One explanation may be that when a person loses weight, there’s less stress on the joints, which reduces pain.</p> <p>But recent studies have also suggested semaglutide and other GLP-1 receptor agonists might have <a href="https://www.sciencedirect.com/science/article/pii/S1043661822002651">anti-inflammatory</a> properties, and could even protect against <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC6731440/">cartilage wear and tear</a>.</p> <p>While the results of this new study are promising, it’s too soon to regard semaglutide as a “miracle drug” for knee osteoarthritis. And as this study was funded by the drug company that makes semaglutide, it will be important to have independent studies in the future, to confirm the findings, or not.</p> <p>The study also had strict criteria, excluding some groups, such as those taking opioids for knee pain. One in seven Australians seeing a GP for their knee osteoarthritis <a href="https://pubmed.ncbi.nlm.nih.gov/34527976/">are prescribed opioids</a>. Most participants in the trial were white (61%) and women (82%). This means the study may not fully represent the average person with knee osteoarthritis and obesity.</p> <p>It’s also important to consider semaglutide can have a range of <a href="https://theconversation.com/considering-taking-a-weight-loss-drug-like-ozempic-here-are-some-potential-risks-and-benefits-219312">side effects</a>, including gastrointestinal symptoms and fatigue.</p> <p>There are some concerns that semaglutide could reduce <a href="https://www.sciencealert.com/experts-are-concerned-drugs-like-ozempic-may-cause-muscle-loss">muscle mass</a> and <a href="https://www.healthline.com/health-news/ozempic-muscle-mass-loss">bone density</a>, though we’re still learning more about this.</p> <p>Further, it can be difficult to access.</p> <h2>I have knee osteoarthritis, what should I do?</h2> <p>Osteoarthritis is a disease caused by multiple factors, and it’s important to take <a href="https://www.safetyandquality.gov.au/standards/clinical-care-standards/osteoarthritis-knee-clinical-care-standard/information-consumers-osteoarthritis-knee-clinical-care-standard">a multifaceted approach</a> to managing it. Weight loss is an important component for those who are overweight or obese, but so are other aspects of <a href="https://theconversation.com/do-you-have-knee-pain-from-osteoarthritis-you-might-not-need-surgery-heres-what-to-try-instead-236779">self-management</a>. This might include physical activity, pacing strategies, and other positive lifestyle changes such as improving sleep, healthy eating, and so on.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/243159/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/giovanni-e-ferreira-1030477">Giovanni E. Ferreira</a>, NHMRC Emerging Leader Research Fellow, Institute of Musculoskeletal Health, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> and <a href="https://theconversation.com/profiles/christina-abdel-shaheed-425241">Christina Abdel Shaheed</a>, Associate Professor, School of Public Health, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p><em>Image credits: Shutterstocl</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/new-study-suggests-weight-loss-drugs-like-ozempic-could-help-with-knee-pain-heres-why-there-may-be-a-link-243159">original article</a>.</em></p> </div>

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No credit score? A grocery list could be the next best thing

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/joonhyuk-yang-1548700">Joonhyuk Yang</a>, <a href="https://theconversation.com/institutions/university-of-notre-dame-990">University of Notre Dame</a> and <a href="https://theconversation.com/profiles/jung-youn-lee-1548702">Jung Youn Lee</a>, <a href="https://theconversation.com/institutions/jones-graduate-school-of-business-at-rice-university-5411">Jones Graduate School of Business at Rice University</a></em></p> <p>How you shop and what you buy at the grocery store can predict whether you pay your credit card bills on time, <a href="https://doi.org/10.1287/mnsc.2022.02364">our new research shows</a>.</p> <p>As <a href="https://mendoza.nd.edu/mendoza-directory/profile/joonhyuk-yang/">marketing</a> <a href="https://business.rice.edu/person/jung-youn-lee">professors</a>, we wanted to learn about alternatives to traditional credit scores. So we teamed up with a multinational conglomerate that, among other things, runs a large supermarket chain and a credit card issuer.</p> <p>By analyzing consumer-level data from those two business units, we were able to see how 30,089 individuals shop and manage their finances.</p> <p>We found that people with more consistent grocery shopping habits are more likely to pay their credit card bills on time. These are people who tend to shop on the same day of the week, spend about the same amount each month, buy similar items across trips and take advantage of deals regularly.</p> <p>We also found that what people buy predicts how they manage their finances. For example, shoppers who frequently purchase cigarettes or energy drinks are more likely to miss credit card payments. Those who often buy fresh milk or salad dressing tend to be more diligent about paying their bills.</p> <p>In general, buying healthier but less convenient food predicted responsible payment behaviors. This was true even when we held consumer characteristics such as income, occupation, credit score and family size constant.</p> <p>Building on those findings, we developed a credit scoring algorithm that scores people based on their grocery shopping habits along with traditional credit risk indicators. When we simulated approval decisions with this algorithm, we found that using grocery data could help lenders predict defaults more accurately while boosting their per-customer profits.</p> <h2>Why it matters</h2> <p>According to the World Bank, <a href="https://www.worldbank.org/en/publication/globalfindex">more than 1 billion people</a> worldwide lack access to formal financial systems and, as a result, have no credit scores. In the U.S. alone, <a href="https://www.consumerfinance.gov/data-research/research-reports/who-are-credit-invisibles/">about 45 million adults</a> have no credit history or not enough of one to generate a score.</p> <p>This makes it hard for them to access credit, even if they are responsible borrowers. And without credit, it’s harder to get a car, a job or even a place to live. It’s a problem that disproportionately affects <a href="https://www.worldbank.org/en/publication/globalfindex">underprivileged groups</a>, including people of color and women.</p> <p>In response, policymakers and researchers are increasingly interested in using alternative data sources to assess creditworthiness. For instance, <a href="https://www.cnbc.com/2024/07/17/how-on-time-rent-payments-help-credit-invisible-consumers.html">Fannie Mae now considers</a> mortgage applicants’ rent payment histories, allowing those without traditional credit histories to demonstrate their creditworthiness.</p> <p>Grocery data is especially promising because there’s so much of it. Pretty much everybody buys groceries, and not just once. Information about consumer preferences is continuously being generated in every aisle of grocery stores around the globe.</p> <p>Our study shows that this data has value far beyond the grocery industry.</p> <h2>What’s next</h2> <p>We believe that our study serves as a proof of concept, offering insights for the design and implementation of future research. However, several key questions remain. For example, what if this approach affects different groups unequally? And what about privacy concerns?</p> <p>Our follow-up research aims to address these issues. We’re collaborating with a conglomerate in Peru, a cash-reliant country with a significant unbanked population. Building upon our current findings, we’re working closely with that company to test the impact of our approach on low-income populations. We’ll be helping to evaluate credit applicants using retail transaction data, aiming not just to improve profitability but also to boost social inclusion in the region.</p> <p><em>The <a href="https://theconversation.com/us/topics/research-brief-83231">Research Brief</a> is a short take on interesting academic work.</em><!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/234887/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/joonhyuk-yang-1548700">Joonhyuk Yang</a>, Assistant Professor of Marketing, Mendoza College of Business, <a href="https://theconversation.com/institutions/university-of-notre-dame-990">University of Notre Dame</a> and <a href="https://theconversation.com/profiles/jung-youn-lee-1548702">Jung Youn Lee</a>, Assistant Professor of Marketing, <a href="https://theconversation.com/institutions/jones-graduate-school-of-business-at-rice-university-5411">Jones Graduate School of Business at Rice University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/no-credit-score-a-grocery-list-could-be-the-next-best-thing-234887">original article</a>.</em></p> </div>

Money & Banking

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How are racehorses really treated in the ‘sport of kings’?

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/cathrynne-henshall-572585">Cathrynne Henshall</a>, <a href="https://theconversation.com/institutions/charles-sturt-university-849">Charles Sturt University</a></em></p> <p>It’s the time of year when shiny horses and colourful clothing fill our screens – the <a href="https://www.racing.com/spring-racing">Spring Racing Carnival</a>, which includes high profile races like The Everest, Melbourne Cup and Cox Plate.</p> <p>It’s also the time of year when questions are asked about the welfare of racehorses that compete in the so-called “<a href="https://www.amnh.org/exhibitions/horse/how-we-shaped-horses-how-horses-shaped-us/sport/sport-of-kings#:%7E:text=Thoroughbred%20racing%20began%20around%20300,Asia%2C%20and%20the%20Middle%20East.">sport of kings</a>”.</p> <p>Previously, <a href="https://www.news.com.au/sport/superracing/punters-life/how-many-horses-have-died-in-the-melbourne-cup-the-real-numbers/news-story/5f7e29011a7fbf3da9e0611e902d1ee6">high profile deaths during races</a>, the <a href="https://journals.plos.org/plosone/article?id=10.1371/journal.pone.0015622">use of whips</a> and <a href="https://www.abc.net.au/news/2015-02-17/making-a-killing/6127124">what happens to horses after racing</a> have been the focus of community concern.</p> <p>But recently, as we’ve come to know more about what makes a <a href="https://www.worldhorsewelfare.org/advice/welfare-wednesdays/how-to-provide-a-good-life-for-horses-friends-freedom-and-forage">good life for a horse</a>, questions are being raised about the daily lives of racehorses.</p> <p>Industry participants will point to the <a href="https://www.mamamia.com.au/dont-tell-me-the-horse-racing-industry-doesnt-care/">high level care</a> that racehorses receive – comfortable stables, specially formulated diets, the latest vet treatments and added extras such as massages and swimming sessions.</p> <p>But does this care translate into good welfare?</p> <h2>The theory of ‘telos’</h2> <p>Firstly, a quick primer on the difference between care and welfare.</p> <p>Care includes all the things that make sure racehorses get fit, stay fit and stay healthy. This care helps maximise the chance a horse will win races.</p> <p>Welfare is the animal’s subjective or individual experience of its life – <a href="https://pubmed.ncbi.nlm.nih.gov/33066335/">how it feels</a> – and there are a number of ways to assess this.</p> <p>One way is the concept of “telos”, originally developed by Ancient Greek philosopher <a href="https://plato.stanford.edu/entries/aristotle-causality/">Aristotle</a>.</p> <p>Telos is a <a href="https://link.springer.com/article/10.1007/s10806-012-9422-y">species’ anatomical, physiological, behavioural and cognitive characteristics</a> that have been shaped by millions of years of evolution.</p> <p>Telos helps us to identify what matters to animals – their behavioural, psychological and physiological needs.</p> <p>So to consider if racehorse care actually translates to good welfare, we can assess how closely it provides the animal with the things that matter to them, based on their telos.</p> <p>Equine telos involves living in groups, forming long-lived social relationships, grazing fibrous plants and being on the move for up to 18 hours a day, as well as staying safe by sensing danger and then moving away.</p> <p>It also involves living in variable environments to solve challenges, learn, engage in curiosity and play.</p> <p>Let’s compare that to the daily life of a racehorse.</p> <h2>Movement and feeding</h2> <p>Firstly, the vast majority of racehorses live in stables – sometimes up to 23 hours a day.</p> <p><a href="https://pubmed.ncbi.nlm.nih.gov/17970632/">Multiple studies</a> have found continuous stabling harms horse welfare.</p> <p>Stables significantly restrict opportunities for voluntary movement, and studies show stabled horses spend <a href="https://pubmed.ncbi.nlm.nih.gov/37813129/">the majority of the time inactive</a>.</p> <p>Even though stables house horses communally, most designs limit horses’ opportunities for social interaction.</p> <p>Thirdly, there’s little for a horse to do in a stable other than eat, stand, drink or lie, and they often develop <a href="https://pubmed.ncbi.nlm.nih.gov/34670688/">abnormal behaviours</a> that are associated with stress. These are never seen in free-ranging horses.</p> <p>When racehorses do get to move, they have little say over how far, how fast and for how long they move.</p> <p>The kinds of physical exercise racehorses do are both significantly shorter in duration and at much higher speeds than horses voluntarily choose. It’s those speeds that place them at <a href="https://pubmed.ncbi.nlm.nih.gov/17910268/">risk of suffering a serious injury</a>.</p> <p>What about diet?</p> <p>Although a lot of time and effort is spent ensuring racehorses enjoy high quality diets, they are mostly comprised of concentrated energy sources such as grains, rather the <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10135103/">fibre horses evolved to eat</a>.</p> <p>Horses are <a href="https://madbarn.com/slow-feeders-for-horses/#:%7E:text=Horses%20are%20trickle%20feeders%20that,to%2025%20miles%20per%20day.">trickle feeders</a> (grazers), with small stomachs that continuously secrete digestive juices.</p> <p>In the wild, grazing keeps those stomachs full, which prevents the stomach lining from being damaged by digestive acids.</p> <p>In comparison, racehorses often consume their food very quickly – instead of spending up to 75% of their day eating, <a href="https://www.sciencedirect.com/science/article/pii/B9780702026348500137">they spend only 33%</a>.</p> <p>This means their stomachs are empty for most of the day, which is why up to <a href="https://pubmed.ncbi.nlm.nih.gov/37048517/">65% will get painful gastric ulcers</a>.</p> <p>And having to wait to be fed rather than eating when hungry, as happens in free-ranging horses, <a href="https://www.mdpi.com/2076-2615/3/3/663">can lead to frustration</a>.</p> <h2>Other difficulties</h2> <p>Racehorses <a href="https://www.theage.com.au/national/does-whipping-hurt-race-horses-20211102-p595br.html">may be whipped</a>, and <a href="https://beva.onlinelibrary.wiley.com/doi/10.1111/j.2042-3306.1982.tb02389.x">more than 50% </a> will experience some form of musculoskeletal injury during racing, of which between <a href="https://www.mdpi.com/2076-2615/11/2/270">7-49% are fatal</a>.</p> <p>Social relationships, in the limited form possible in a racing stable, are also frequently disrupted because horse populations are highly transient due to spelling, <a href="https://theconversation.com/black-caviars-death-has-prompted-uncomfortable-questions-about-how-champion-mares-spend-their-retirement-237039">retirement</a> or even just going to the races.</p> <p>So even if two horses are able to form a relationship of sorts, chances are one will be taken away. <a href="https://pubmed.ncbi.nlm.nih.gov/?term=henshall+stress+repeated&amp;size=200">Separation distress is a significant stressor</a> for horses.</p> <p>Then there’s the gear that’s used to control them.</p> <p>Horses, like most animal species, escape and avoid painful stimuli.</p> <p>However, in racing (and many other equestrian activties) it is <a href="https://www.racingnsw.com.au/wp-content/uploads/NSWRules.pdf">mandatory to use</a> “bits” to control horses’ behaviour during riding and handling. Bits work by causing uncomfortable pressure and pain and may lead to mouth injuries.</p> <p>Studies have shown many people don’t understand how <a href="https://www.tandfonline.com/doi/full/10.1080/08927936.2023.2166713#abstract">to minimise the harm they can cause</a>. In addition, people also vary widely in their ability to read and <a href="https://www.mdpi.com/2076-2615/9/12/1124">interpret behavioural responses to stress</a>.</p> <p>So, racehorses may be repeatedly exposed to pain from bits and perform a range of behaviours to try to escape that pain, like bolting, mouth opening or head tossing.</p> <p>To remedy this, additional items of restrictive equipment, such as <a href="https://pubmed.ncbi.nlm.nih.gov/34056705/">tongue ties</a>, <a href="https://theconversation.com/dressing-up-for-melbourne-cup-day-from-a-racehorse-point-of-view-104771">nosebands, lugging bits or bit burs</a> may be used to control the horse.</p> <p>Racehorses frequently show signs of difficulty coping with the stressors of racing life, including “going off their feed”, aggression towards handlers, becoming hard to control when ridden and a range of stress behaviours and health issues, <a href="https://avmajournals.avma.org/downloadpdf/view/journals/javma/260/15/javma.22.08.0358.pdf">such as bleeding from the lungs</a>.</p> <h2>What about welfare?</h2> <p>Racehorse care is often directed towards managing issues that are the direct result of the demands of the racing environment.</p> <p>Fancy stables and aqua sessions are not important to horses, and may even cause harm.</p> <p>What matters to horses are opportunities to make meaningful choices, such as the freedom to move, form friendships and graze for the majority of the day.</p> <p>Current racing industry practices often deny horses the chance to make these choices.</p> <p>There’s no doubt people in racing care deeply about their horses. But to experience good welfare during racing, racehorses need more than just good care.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/240998/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/cathrynne-henshall-572585">Cathrynne Henshall</a>, Post-doctoral Fellow, School of Agricultural, Environmental and Veterinary Sciences, <a href="https://theconversation.com/institutions/charles-sturt-university-849">Charles Sturt University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-are-racehorses-really-treated-in-the-sport-of-kings-240998">original article</a>.</em></p> </div>

Family & Pets

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Five reasons why owning a pet is good for us

<p>With more pets than people, Australians have one of the world’s highest pet ownership rates with 62% of us owning at least one pet. And if you’re wondering why we’re so pet mad, research has shown the benefits include companionship, improved mental wellbeing, lower stress and better heart health.</p> <ol> <li><strong>Pets protect us from loneliness</strong></li> </ol> <p>We see our pet as part of the family. Their unconditional (and non-judgemental) love provides us companionship and help to lower stress and anxiety. Interacting with your pet increases feelings of social support and elevates mood. </p> <p>Dog walking increases opportunities for social interaction. When walking outside, fellow dog walkers love to say hello and introduce themselves and their dog to you. Some cafes and restaurants and hotels are dog-friendly venues too. When travelling alone, it’s  wonderful to be able to take your furry companion with you.</p> <ol start="2"> <li><strong>Pets are good for our mental and physical well-being</strong></li> </ol> <p>Pet ownership brings responsibility and the need for skills to know how to best take care of them. These skills will extend to other animals, and other people. Children who have pets develop better social skills when interacting with their friends.</p> <p>Dog owners enjoy lower blood pressure, lower cholesterol levels and less heart disease. While owning a dog is not fully protective, the benefit of all those dog walks are they keep you fitter, healthier and less stressed.</p> <p>If you are unlucky enough to have a heart attack, your long-term survival rate is assisted by having a dog. While interacting with a pet for 10-12 minutes will lower your blood pressure.</p> <p>One of the joys of owning a pet, is the pleasure they provide, and the feeling is mutual. Gazing into the eyes of your beloved pooch, boosts levels of oxytocin our bonding molecule. Our long-standing human-dog relationship was established over 30,000 years ago.</p> <p>Patting or stroking our pets is soothing, especially their silky ears. This is relaxing and how delightful is it when your pet reciprocates with loud purring or offers their tummy for a rub?</p> <ol start="3"> <li><strong>Pets are good for our immune system</strong></li> </ol> <p>You’ve probably heard about your gut microbiome that’s important to keep you healthy. Being a pet owner provides you a healthier microbiome and more robust immune system by promoting more of the beneficial bacteria and lowering the level of harmful, or pathogenic bacteria in our gut.</p> <p>Not only that, stroking your pet raises levels of immunoglobulin A in your body that forms a physical barrier in the gut to protect you against potential invading pathogens.</p> <p>In addition, pregnant mums with a pet in the household are less likely to have infants with childhood allergies, asthma or obesity.</p> <ol start="4"> <li><strong>Pets help us cope better with pain and recovery from illness</strong></li> </ol> <p>Owning a pet has been shown to help manage chronic pain. Pets often sense when their owner isn’t well or in pain and will stay close by, which is very soothing.</p> <p>Watching our pets play and their antics can serve as a useful distraction to our struggles with pain or illness. Having your pet with you (when allowed) in a hospital setting is reassuring and can lift your mood.</p> <p>Animals can help in the work or learning environment. Some workplaces have an office pet policy where you’re allowed to have you pet stay with you while you work. This has been shown to be great for boosting staff morale, collaboration and overall happiness, while keeping work stress lower.</p> <ol start="5"> <li><strong>Pets help us better manage our own self-care</strong></li> </ol> <p>Self-care is always important to stay fit and healthy but isn’t something we always find easy to do. This is where taking responsibility for a pet can help. Teenagers with type one diabetes when given goldfish to care for, did better in monitoring their own blood sugar levels, while having a pet have also been shown to help younger students stay focused and on task, and achieve higher academic results.</p> <p>Pets enrich our lives in so many ways from improved mental well-being to lower stress, elevated mood and greater social support. Whatever type of pet you choose, remember the benefits will work both ways.</p> <p><em><strong>Dr Jenny Brockis is a board-certified lifestyle medicine physician, workplace health and well-being consultant, and author of The Natural Advantage (Major Street Publishing). www.drjennybrockis.com</strong></em></p> <p><em><strong>Image credits: Shutterstock </strong></em></p> <p style="margin: 0px; font-style: normal; font-variant-caps: normal; font-stretch: normal; font-size: 12px; line-height: normal; font-family: Helvetica; font-size-adjust: none; font-kerning: auto; font-variant-alternates: normal; font-variant-ligatures: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; font-variant-emoji: normal; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; min-height: 14px;"> </p>

Family & Pets

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Humanising AI could lead us to dehumanise ourselves

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/raffaele-f-ciriello-1079723">Raffaele F Ciriello</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> and <a href="https://theconversation.com/profiles/angelina-ying-chen-2230113">Angelina Ying Chen</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p>Irish writer John Connolly <a href="https://www.goodreads.com/quotes/3147986-the-nature-of-humanity-its-essence-is-to-feel-another-s">once said</a>: "The nature of humanity, its essence, is to feel another’s pain as one’s own, and to act to take that pain away."</p> <p>For most of our history, we believed empathy was a uniquely human trait – a special ability that set us apart from machines and other animals. But this belief is now being challenged.</p> <p>As AI becomes a bigger part of our lives, entering even our most intimate spheres, we’re faced with a philosophical conundrum: could attributing human qualities to AI diminish our own human essence? Our <a href="https://www.researchgate.net/publication/375086411_Feels_Like_Empathy_How_Emotional_AI_Challenges_Human_Essence">research</a> suggests it can.</p> <h2>Digitising companionship</h2> <p>In recent years, AI “companion” apps such as Replika have attracted millions of users. Replika allows users to create custom digital partners to engage in intimate conversations. Members who pay for <a href="https://help.replika.com/hc/en-us/articles/360032500052-What-is-Replika-Pro#:%7E:text=Replika%20Pro%20gives%20you%20access,relationship%20status%20to%20Romantic%20Partner.">Replika Pro</a> can even turn their AI into a “romantic partner”.</p> <p>Physical AI companions aren’t far behind. Companies such as JoyLoveDolls are selling <a href="https://www.joylovedolls.com/collections/sex-robots">interactive sex robots</a> with customisable features including breast size, ethnicity, movement and AI responses such as moaning and flirting.</p> <p>While this is currently a niche market, history suggests today’s digital trends will become tomorrow’s global norms. With about <a href="https://www.statista.com/chart/31243/respondents-who-feel-fairly-or-very-lonely/">one in four</a> adults experiencing loneliness, the demand for AI companions will grow.</p> <h2>The dangers of humanising AI</h2> <p>Humans have long attributed human traits to non-human entities – a tendency known as anthropomorphism. It’s no surprise we’re doing this with AI tools such as ChatGPT, which appear to “think” and “feel”. But why is humanising AI a problem?</p> <p>For one thing, it allows AI companies to exploit our tendency to form attachments with human-like entities. Replika is <a href="https://replika.com">marketed</a> as “the AI companion who cares”. However, to avoid legal issues, the company elsewhere points out Replika isn’t sentient and merely learns through millions of user interactions.</p> <p>Some AI companies overtly <a href="https://www.space.gov.au/news-and-media/akin-assistive-ai-improve-life-space-and-earth">claim</a> their AI assistants have empathy and can even anticipate human needs. Such claims are misleading and can take advantage of people seeking companionship. Users may become <a href="https://theconversation.com/i-tried-the-replika-ai-companion-and-can-see-why-users-are-falling-hard-the-app-raises-serious-ethical-questions-200257">deeply emotionally invested</a> if they believe their AI companion truly understands them.</p> <p>This raises serious ethical concerns. A user <a href="https://www.researchgate.net/publication/374505266_Ethical_Tensions_in_Human-AI_Companionship_A_Dialectical_Inquiry_into_Replika">will hesitate</a> to delete (that is, to “abandon” or “kill”) their AI companion once they’ve ascribed some kind of sentience to it.</p> <p>But what happens when said companion unexpectedly disappears, such as if the user can no longer afford it, or if the company that runs it shuts down? While the companion may not be real, the feelings attached to it are.</p> <h2>Empathy – more than a programmable output</h2> <p>By reducing empathy to a programmable output, do we risk diminishing its true essence? To answer this, let’s first think about what empathy really is.</p> <p>Empathy involves responding to other people with understanding and concern. It’s when you share your friend’s sorrow as they tell you about their heartache, or when you feel joy radiating from someone you care about. It’s a profound experience – rich and beyond simple forms of measurement.</p> <p>A fundamental difference between humans and AI is that humans genuinely feel emotions, while AI can only simulate them. This touches on the <a href="https://www.researchgate.net/publication/375086411_Feels_Like_Empathy_How_Emotional_AI_Challenges_Human_Essence">hard problem of consciousness</a>, which questions how subjective human experiences arise from physical processes in the brain.</p> <p>While AI can simulate understanding, any “empathy” it purports to have is a result of programming that mimics empathetic language patterns. Unfortunately, AI providers have a financial incentive to trick users into growing attached to their seemingly empathetic products.</p> <h2>The dehumanAIsation hypothesis</h2> <p>Our “dehumanAIsation hypothesis” highlights the ethical concerns that come with trying to reduce humans to some basic functions that can be replicated by a machine. The more we humanise AI, the more we risk dehumanising ourselves.</p> <p>For instance, depending on AI for emotional labour could make us less tolerant of the imperfections of real relationships. This could weaken our social bonds and even lead to emotional deskilling. Future generations may become less empathetic – losing their grasp on essential human qualities as emotional skills continue to be commodified and automated.</p> <p>Also, as AI companions become more common, people may use them to replace real human relationships. This would likely increase loneliness and alienation – the very issues these systems claim to help with.</p> <p>AI companies’ collection and analysis of emotional data also poses significant risks, as these data could be used to manipulate users and maximise profit. This would further erode our privacy and autonomy, taking <a href="https://theconversation.com/explainer-what-is-surveillance-capitalism-and-how-does-it-shape-our-economy-119158">surveillance capitalism</a> to the next level.</p> <h2>Holding providers accountable</h2> <p>Regulators need to do more to hold AI providers accountable. AI companies should be honest about what their AI can and can’t do, especially when they risk exploiting users’ emotional vulnerabilities.</p> <p>Exaggerated claims of “genuine empathy” should be made illegal. Companies making such claims should be fined – and repeat offenders shut down.</p> <p>Data privacy policies should also be clear, fair and without hidden terms that allow companies to exploit user-generated content.</p> <p>We must preserve the unique qualities that define the human experience. While AI can enhance certain aspects of life, it can’t – and shouldn’t – replace genuine human connection.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/240803/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/raffaele-f-ciriello-1079723">Raffaele F Ciriello</a>, Senior Lecturer in Business Information Systems, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a> and <a href="https://theconversation.com/profiles/angelina-ying-chen-2230113">Angelina Ying Chen</a>, PhD student , <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/humanising-ai-could-lead-us-to-dehumanise-ourselves-240803">original article</a>.</em></p> </div>

Technology

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"Lots of NDAs": Channel Nine could face class action

<p>Channel Nine could face a class action over <a href="https://www.oversixty.com.au/finance/legal/damning-report-exposes-toxic-workplace-culture-at-channel-nine" target="_blank" rel="noopener">allegations of bullying</a>, sexual harassment and inappropriate conduct, according to one of Australia's leading employment lawyers Josh Bornstein. </p> <p>Bornstein told<em><a href="https://www.news.com.au/finance/business/media/channel-nine-could-face-class-action-over-allegations-of-bullying-sexual-harassment-and-inappropriate-conduct/news-story/7e7f5979007ae16ae81621e48e48acab" target="_blank" rel="noopener"> news.com.au</a></em> that a class action might be an option for men and women who were the victims of a "hostile workplace". </p> <p>“There is a provision of the Sex Discrimination Act that is relatively recent and was introduced as a result of the Respect At Work changes,” he said.</p> <p>“It is a new provision that says that it’s a breach of the Act for an employer to maintain a workplace that is hostile for women.</p> <p>“So in light of the report, which indicates widespread bullying, sexism, punishment, sexual harassment, and favouritism of male reporters over female reporters getting access to stories, there is at least the basis on which to start considering whether a class action could be brought.”</p> <p>Bornstein is the principal lawyer at Maurice Blackburn, a law firm that has won more than  $4.3 billion in settlements for clients since their inception in 1998. </p> <p>“If the report is right, it’s systemic, which means many women have been impacted, and they’ve been subjected to an environment that’s hostile to them because of their gender, and if they’ve been harmed by that, a class action could give them some form of redress," he added. </p> <p>However, one of the complications would be the nondisclosure agreements some of the women may have signed before leaving the companies. </p> <p>“I’m aware there’s lots of NDA, particularly at Nine, and lots of releases as well.</p> <p>“A class action just requires a sufficiently large enough group of affected people who come together to lodge a case that says, ‘This is the sort of workplace environment we’ve been subjected to’.</p> <p>“They have to show that they’ve been subjected to the sorts of behaviours that are dealt with in the report and that or that adverse conduct was based on their gender, and then if they were able to show that the law had been breached, then compensation would be based on individual harm.”</p> <p>He added that in his opinion, while it might be better "for women to band together to pursue a collective case" it may be a bit more difficult as "there’s a fear that if you take on commercial networks, that’s the end of your career," which he said is a "well founded" fear. </p> <p><em>Image: FiledIMAGE / Shutterstock.com</em></p>

Legal

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Loneliness could kill you

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/gillian-leithman-414232">Gillian Leithman</a>, <a href="https://theconversation.com/institutions/concordia-university-1183">Concordia University</a></em></p> <p>Independence is glorified in North American culture as a symbol of strength. As a society, we value individual achievement and extol self-reliance.</p> <p>I am an expert on aging and retirement and I also help employees transition from work to retirement by facilitating seminars and workshops in corporate Canada. And I often wonder however if our “go at it alone” attitude has led us down a lonely and isolating path.</p> <p>Here are some recent stats:</p> <ul> <li> <p>40 per cent of Americans <a href="https://hbr.org/cover-story/2017/09/work-and-the-loneliness-epidemic">don’t feel close to others</a> at any given time. And the number of lonely Americans has doubled since the 1980s.</p> </li> <li> <p><a href="http://www.carp.ca/2017/06/05/loneliness-survey-results/">In a recent Canadian Association of Retired People poll</a>, 16 per cent of Canadians indicated that they lacked companionship</p> </li> <li> <p>Fifteen per cent in the CARP poll said they had nobody to turn to or talk to</p> </li> <li> <p>Fifteen per cent were unhappy doing things alone.</p> </li> </ul> <p>I suspect that these numbers are even higher among the general Canadian population, not just CARP members.</p> <p>According to science, loneliness shortens our lifespan. <a href="https://news.uchicago.edu/article/2014/02/16/aaas-2014-loneliness-major-health-risk-older-adults">Twice as much as obesity.</a> Yes, you read that right.</p> <p>Dr. John <a href="http://psychology.uchicago.edu/people/faculty/cacioppo/">Cacioppo</a>, the world’s foremost authority on loneliness, maintains that the number of people in your life does not inoculate you from experiencing loneliness. Rather, it’s the feeling of being lonely that places the brain and body at risk.</p> <p>Cacioppo equates feeling lonely with feeling hungry. We compromise our survival and well-being when either is ignored.</p> <p>We are biologically hardwired to respond to our environment. When we experience low blood-sugar levels, we crave food. The feeling of our stomachs being empty is a warning sign to eat and it’s essential to our very survival.</p> <p>When we feel lonely, we desire connection with others, much like the loud rumble that your tummy makes when hungry.</p> <h2>A lonely brain is restless</h2> <p>Loneliness triggers “hyper-vigilance.” That is your brain is on the lookout for social threats, which consequently puts us on the defensive. We become more reactive to negative events and perceive daily hassles as more stressful.</p> <p>A lonely brain awakens often, experiences fragmented sleep and cannot recover from the day’s stressful events.</p> <p>A lonely brain is also subject to an increase in depressive symptoms and has difficulty self-regulating. That is why you may find yourself irritable and impulsive.</p> <p>A lonely brain is also at risk of cognitive and physical decline.</p> <p><a href="https://www.ncbi.nlm.nih.gov/pubmed/23232034">A three-year Dutch study</a> followed more than 2,000 participants aged 65 to 86. While none of the participants had signs of dementia at the outset of the study, results revealed that those who reported feeling lonely had a 64 per cent increase in the risk of developing dementia.</p> <p>People also experience an increase in loneliness when they retire from work. That’s why you want <a href="http://rewiretoretire.com/delay-retirement/">to make sure that you’re retiring <em>to</em> something</a>, and that you have friends outside of your place of employment.</p> <h2>A lonely body</h2> <p>Loneliness also affects the body. Psychologist <a href="https://irp.nih.gov/pi/stephen-suomi">Stephen Suomi’s</a> research indicates that loneliness distorts the expression of certain genes. An experiment separating newborn primates from their mothers during their first four months of life resulted in the altered development of immunity-related genes that help the body fight viruses.</p> <p>Social psychologist <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3633610/">Lisa Jaremka’s research</a> indicates that lonely people have higher levels of activated viruses in their system and are at greater risk of suffering from chronic inflammation, which has been linked to Type 2 diabetes, arthritis, heart disease and even suicide.</p> <p>While obesity increases your odds of an early death by 20 per cent, loneliness increases <a href="https://www.ucsf.edu/news/2012/06/12184/loneliness-linked-serious-health-problems-and-death-among-elderly">your odds by 45 per cent</a>.</p> <p>What are we to do with an emotional state that is so powerful that it can alter our brains, compromise our physiology and cut short our longevity?</p> <h2>The antidote to loneliness</h2> <ol> <li> <p>Seek out connection: We all need a tribe!</p> </li> <li> <p>Stop denying and accept “feeling lonely” as simply a craving for connection.</p> </li> <li> <p>Acknowledge the consequences of prolonged loneliness. If you ignore hunger, you starve. Same is true of our need for belonging. If you feel lonely, reach out to others.</p> </li> <li> <p>Recognize that quality relationships are most effective at feeding this void.</p> </li> </ol> <p>We are physiologically and psychologically primed for connection.</p> <p>The next time you feel lonely and out of sorts, acknowledge it as a signal that you are in need of connection and seek out companionship.</p> <p>Your body and your brain will be thankful that you did, and you may even increase your longevity.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/87217/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/gillian-leithman-414232"><em>Gillian Leithman</em></a><em>, Assistant Professor of professional business skills and aging, retirement, and knowledge management researcher, <a href="https://theconversation.com/institutions/concordia-university-1183">Concordia University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/loneliness-could-kill-you-87217">original article</a>.</em></p> </div>

Caring

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Coles and Woolies shoppers could claim thousands over alleged deceptive pricing

<p>Coles and Woolworths shoppers could claim up to $5,000 if the supermarket giants are found out for deceiving customers with dodgy pricing tactics, according to a leading lawyer. </p> <p>Carter Capner Law is one of two firms investigating whether a class action suit on behalf of shoppers is viable in conjunction with the ACCC's legal action against the two chains. </p> <p>Both Coles and Woolworths have bee accused of violating Australian consumer law by the consumer watchdog after allegedly intentionally misleading customers by driving up prices and then putting those items on sale for their original prices under the "Prices Dropped" and "Down Down" campaigns.</p> <p>“Early estimates suggest that households could claim between $2,000 and $5,000, depending on the amount spent and the impact of the deceptive pricing,” law director Peter Carter said, who began advocating for people after he received an "avalanche of calls from outraged customers".</p> <p>While Carter said the firm initially had no plans to commence a class action, he admitted that after speaking about it to the media, the company were inundated with Coles and Woolworths customers "demanding action and compensation".</p> <p>He believes Australians already doing it tough through the cost of living crisis felt "betrayed" by the supermarkets, while Flinders University research fellow in law Dr Joel Lisk said that the class action is "a positive" for shoppers.</p> <p>"The ACCC proceedings aren't about getting refunds for customers," he told <em>Yahoo</em>. "But if they are successful it would mean customers have, in theory, been misled and deceived and could be entitled to damages."</p> <p>When it comes to damages, it's something Dr Lisk said "starts to add up" for customers, although it's "hard to say" if financial penalties to businesses found guilty of wrongdoing would impact misleading and deceptive conduct in the future.</p> <p>"If [fines are] seen as just the cost of doing business it doesn't really dissuade businesses from engaging in misleading and deceptive conduct," he said.</p> <p>"Seeking damages from business for the losses that individuals like us have incurred is one way of doing that. But of course, we're talking probably about dollars and cents in transactions when businesses like Coles and Woolworths deal in the billions."</p> <p><em>Image credits: Shutterstock</em></p>

Legal

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Could a recent ruling change the game for scam victims? Here’s why the banks will be watching closely

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/jeannie-marie-paterson-6367">Jeannie Marie Paterson</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> and <a href="https://theconversation.com/profiles/nicola-howell-1160247">Nicola Howell</a>, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a></em></p> <p>In Australia, it’s scam victims who foot the bill for the overwhelming majority of the money lost to scams each year.</p> <p>A 2023 <a href="https://download.asic.gov.au/media/mbhoz0pc/rep761-published-20-april-2023.pdf">review</a> by the Australian Securities and Investments Commission (ASIC) found banks detected and stopped only a small proportion of scams. The total amount banks paid in compensation paled in comparison to total losses.</p> <p>So, it was a strong statement this week when it was revealed the Australian Financial Conduct Authority (AFCA) had <a href="https://my.afca.org.au/searchpublisheddecisions/kb-article/?id=f9f8941f-7379-ef11-ac20-000d3a6acbb4">ordered</a> a bank – HSBC – to compensate a customer who lost more than $47,000 through a sophisticated bank impersonation or “spoofing” scam.</p> <p>This decision was significant. An AFCA determination is binding on the relevant bank or other financial institution, which has <a href="https://www.afca.org.au/make-a-complaint#:%7E:text=Any%20determinations%20we%20make%20are,service%20is%20free%20to%20access">no direct right of appeal</a>. It could have implications for the way similar cases are treated in future.</p> <p>The ruling comes amid a broader push for sector-wide reforms to give banks more responsibility for <a href="https://www.fico.com/blogs/detection-prevention-tackling-scams-every-angle">detecting</a>, deterring and responding to scams, as opposed to simply telling customers to be “more careful”.</p> <p>Here’s what you should know about this landmark ruling, and what it might mean for consumers.</p> <h2>A highly sophisticated ‘spoofing’ scam</h2> <p>You might be familiar with “push payment” scams that trick the victim into paying money to a dummy account. These include the “<a href="https://www.acma.gov.au/articles/2024-01/scam-alert-re-emergence-hi-mum-scam">mum I’ve lost my phone</a>” scam and some <a href="https://www.scamwatch.gov.au/types-of-scams/online-dating-and-romance-scams">romance</a> scams.</p> <p>The <a href="https://www.smh.com.au/national/dragged-kicking-and-screaming-banking-giant-loses-battle-against-scam-victim-20241015-p5kide.html">recent case</a> concerned an equally noxious “bank impersonation” or “spoofing” scam. The complainant – referred to as “Mr T” – was tricked into giving the scammer access to his HSBC account, from which an unauthorised payment was made.</p> <p>The scammer sent Mr T a text message, purportedly asking him to investigate an attempted Amazon transaction.</p> <p>In an effort to respond to the (fake) unauthorised Amazon purchase, Mr T revealed security passcodes to the scammer, enabling them to transfer $47,178.54 from his account and disappear with it.</p> <p>The fact Mr T was dealing with scammers was far from obvious – scammers had information about him one might reasonably expect only a bank would know, such as his bank username.</p> <p>On top of this, the scam text message appeared in a thread of other legitimate text messages that had previously been sent by the real HSBC.</p> <h2>AFCA’s ruling</h2> <p>HSBC argued to AFCA that having to pay compensation should be ruled out under the <a href="https://download.asic.gov.au/media/lloeicwb/epayments-code-published-02-june-2022.pdf">ePayments Code</a>, a voluntary code of practice administered by ASIC.</p> <p>Under this code, a bank is not required to compensate a customer for an unauthorised payment if that customer has disclosed their passcode. The bank argued the complainant had voluntarily disclosed these codes to the scammer, meaning the bank didn’t need to pay.</p> <p>AFCA disagreed. It noted the very way the scam had worked was by creating a sense of urgency and crisis. AFCA considered that the complainant had been manipulated into disclosing the passcodes and had not acted voluntarily.</p> <p>AFCA awarded compensation covering the vast majority of the disputed transaction amount, lost interest charged to a home loan account, and $5,000 towards Mr T’s legal costs.</p> <p>It also ordered the bank to pay compensation of $1,000 for poor customer service in dealing with the matter, including communication delays.</p> <h2>Other cases may be more complex</h2> <p>In this case, the determination was relatively straightforward. It found Mr T had not voluntarily disclosed his account information, so was not excluded from being compensated under the ePayments Code.</p> <p>However, many payment scams fall outside the ePayments Code because they involve the customer directly sending money to the scammer (as opposed to the scammer accessing the customer’s account). That means there is no code to direct compensation.</p> <p>Still, AFCA’s jurisdiction is broader than merely applying a code. In considering compensation for scam losses, AFCA must consider what is “fair in all the circumstances”. This means taking into account:</p> <ul> <li>legal principles</li> <li>applicable industry codes</li> <li>good industry practice</li> <li>previous AFCA decisions.</li> </ul> <p>Relevant factors might well include whether the bank was proactive in responding to known scams, as well as the challenges for individual customers in identifying scams.</p> <h2>Broader reforms are on the way</h2> <p>At the heart of this determination by AFCA is a recognition that, increasingly, detecting sophisticated scams can be next to impossible for customers, which can mean they don’t act voluntarily in making payments to scammers.</p> <p>Similar reasoning has informed a range of recent reform initiatives that put more responsibility for detecting and responding to scams on the banks, rather than their customers.</p> <p>In 2023, Australia’s banking sector committed to a new “<a href="https://www.ausbanking.org.au/scam-safe-accord/">Scam-Safe Accord</a>”. This is a commitment to implement new measures to protect customers, including a confirmation of payee service, delays for new payments, and biometric identity checks for new accounts.</p> <p>Changes on the horizon could be more ambitious and significant.</p> <p>The proposed <a href="https://treasury.gov.au/consultation/c2024-573813">Scams Prevention Framework</a> legislation would require Australian banks, telcos and <a href="https://pursuit.unimelb.edu.au/articles/accc-vs-big-tech-round-10-and-counting">digital platforms</a> to take reasonable steps to prevent, detect, report, disrupt and respond to scams.</p> <p>It would also include a compulsory external dispute resolution process, like AFCA’s, for consumers seeking compensation for when any of these institutions fail to comply.</p> <p>Addressing scams is not just an Australian issue. In the United Kingdom, newly introduced <a href="https://www.bbc.com/news/articles/cy94vz4zd7zo">rules</a> make paying and receiving banks responsible for compensating customers, for scam losses up to £85,000 (A$165,136), unless the customer is grossly negligent.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/241558/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/jeannie-marie-paterson-6367">Jeannie Marie Paterson</a>, Professor of Law, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> and <a href="https://theconversation.com/profiles/nicola-howell-1160247">Nicola Howell</a>, Senior lecturer, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/could-a-recent-ruling-change-the-game-for-scam-victims-heres-why-the-banks-will-be-watching-closely-241558">original article</a>.</em></p> </div>

Money & Banking

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Trying to lose weight? Here’s why your genetics could be just as important as your exercise regime

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/henry-chung-1279176">Henry Chung</a>, <a href="https://theconversation.com/institutions/university-of-essex-1291">University of Essex</a>; <a href="https://theconversation.com/profiles/chris-mcmanus-2226445">Chris McManus</a>, <a href="https://theconversation.com/institutions/university-of-essex-1291">University of Essex</a>, and <a href="https://theconversation.com/profiles/sally-waterworth-2226444">Sally Waterworth</a>, <a href="https://theconversation.com/institutions/university-of-essex-1291">University of Essex</a></em></p> <p>Weight loss is a complicated process. There are so many factors involved including your diet, how much sleep you get each night and the kind of exercise you do. Our recent study shows that your <a href="https://www.tandfonline.com/doi/full/10.1080/02701367.2024.2404981">specific genetic profile</a> may also have a dominant effect on how well you lose weight through exercise. This might explain why two people who do an identical workout will see very different results.</p> <p>We identified 14 genes that appeared to significantly contribute to how much weight a person lost through running. This suggests that some of us have a natural talent when it comes to burning fat and losing weight through exercise.</p> <p>To conduct our study, we recruited 38 men and women born in the UK aged between 20 and 40. None of the participants regularly exercised at the start of the study. The group was randomly divided, with one half following a strict eight-week endurance programme that consisted of three weekly runs of 20-30 minutes.</p> <p>The other group acted as a <a href="https://www.britannica.com/science/control-group">control</a>. They were instructed to refrain from exercise and continue their daily routines as normal over this study period, including diet and lifestyle habits.</p> <p>All participants conducted a running test to see how far they could run in 12 minutes, and were weighed before and after the study period. This was to gauge their initial fitness level and see how much they changed over the duration of the study. <a href="https://www.nhs.uk/conditions/obesity/">Body mass index</a> (BMI) was also calculated.</p> <p>Additionally, a saliva sample was collected from each person with a <a href="https://muhdo.com/?gclid=Cj0KCQjwiIOmBhDjARIsAP6YhSUB3WI81JP4Q_snYLhh-SBVNeCJNy2m63C8bKJFvO-nJ5UsHuCCdqMaAhTeEALw_wcB">DNA test kit</a> at the end of the study to assess their unique genetic profile.</p> <p>It’s important to note that everyone who participated in the study had a similar body weight, BMI and aerobic fitness level at the start of the study. This is beneficial for <a href="https://casp-uk.net/news/homogeneity-in-research/">multiple reasons</a>. It meant everyone was at the same starting point, and some <a href="https://www.sciencedirect.com/topics/nursing-and-health-professions/confounding-variable">confounding variables</a> were already controlled for such as <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10128125/">fitness level</a>. This ultimately improves accuracy in interpreting the results.</p> <h2>Exercise genes</h2> <p>Everyone in the exercise group managed to lose weight – around 2kg on average. The control group, on the other hand, put on a little bit of weight.</p> <p>While a 2kg weight loss may not sound like a lot, it’s significant considering the exercise regime only lasted eight weeks and participants made no <a href="https://www.intechopen.com/chapters/87186">changes to their diet</a>.</p> <p>More significant, however, was the large variation in results among those that exercised – with an up to 10kg difference in weight loss between some of the participants. In fact, everyone within the exercise group improved at different rates.</p> <p>Since we controlled for factors such as the <a href="https://pubmed.ncbi.nlm.nih.gov/3529283/">intensity, duration and frequency</a> of the exercises and used participants who’d had a similar body weight and fitness level at the start of the study, this suggests that some people naturally benefited more than others from endurance training.</p> <p>When we looked at the genetic profiles of our participants, we found that differences in each person’s response to the exercise was strongly associated with their specific genetics.</p> <p>We showed there was a strong linear correlation between the amount of weight participants lost and 14 genes that have previously been shown to be associated with body weight, metabolism or <a href="https://www.nature.com/articles/s41380-018-0017-5">psychological conditions</a> that affect BMI. The greater number of these genes a participant had, the more weight they lost. Our results also revealed that around 63% of the variance in weight lost among participants were explained by the genes identified.</p> <p>For example, research has shown the <a href="https://www.ncbi.nlm.nih.gov/gene/10891">PPARGC1A gene</a> plays a role in metabolism and the <a href="https://link.springer.com/article/10.1007/S11033-020-05801-Z">use of fats for energy</a> while exercising. Our study found that all participants who lost more than 1.5kg from exercise had this gene. Those who lost less than this did not have this gene.</p> <p>Our findings align with what <a href="https://journals.plos.org/plosone/article?id=10.1371/journal.pone.0249501&amp;s2=P875440273_1683331208925004155">previous studies</a> have shown. But while previous papers have only looked at the link between individual genes and weight loss, ours is the first to show that 14 different genes appear to work in combination to affect whether a person loses weight from endurance exercise.</p> <h2>Piece of the puzzle</h2> <p>Our study also suggests that while some people possess genes that make it easier for them to get fit and lose weight, people with these favourable genetics can only flourish if they actually exercise. In fact, our control group also had a number of these listed genes, but without exercise these genes could not activate, and so the participants did not lose any weight.</p> <p>While our study provides compelling findings, it’s not without limitations. Since we only looked at endurance-based exercise, it will be important for future studies to investigate whether there are similar links between weight loss, genetics and combinations of different types of training (such as a mixture of endurance and strength sessions into a training plan).</p> <p>It’s also worth mentioning that exercise is only <a href="https://www.who.int/activities/controlling-the-global-obesity-epidemic">one piece of the puzzle</a> when it comes to weight loss. So even if you have all 14 of these genes, you won’t lose any weight or get fit if you don’t exercise and maintain a healthy diet and sleep pattern.</p> <p>On the flip side, someone that only has a few of these favourable genes can still benefit if they exercise and are mindful of other aspects of their lifestyle.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/240506/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/henry-chung-1279176">Henry Chung</a>, Lecturer in Sport and Exercise Science, <a href="https://theconversation.com/institutions/university-of-essex-1291">University of Essex</a>; <a href="https://theconversation.com/profiles/chris-mcmanus-2226445">Chris McManus</a>, Lecturer, School of Sport, Rehabilitation and Exercise Sciences, <a href="https://theconversation.com/institutions/university-of-essex-1291">University of Essex</a>, and <a href="https://theconversation.com/profiles/sally-waterworth-2226444">Sally Waterworth</a>, Lecturer, School of Sport, Rehabilitation and Exercise Sciences, <a href="https://theconversation.com/institutions/university-of-essex-1291">University of Essex</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/trying-to-lose-weight-heres-why-your-genetics-could-be-just-as-important-as-your-exercise-regime-240506">original article</a>.</em></p> </div>

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