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Alan Jones once seemed unassailable. What ended it was a peculiarly Sydney story of media, politics and power

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/denis-muller-1865">Denis Muller</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> For decades it seemed Alan Jones was unassailable. A finding against him of professional misconduct by the Australian Broadcasting Authority (2000); a <a href="https://www.smh.com.au/entertainment/tv-and-radio/tribunal-upholds-that-jones-incited-hatred-20121002-26x8h.html">finding</a> that he incited hatred, serious contempt and severe ridicule of Lebanese Muslims (2009); propositions of violence against two women prime ministers (<a href="https://www.abc.net.au/news/2011-10-20/alan-jones-says-gillard-remark-best-left-unsaid/3579658">2011</a> and <a href="https://www.abc.net.au/news/2020-05-21/alan-jones-breached-rules-in-jacinda-ardern-comment/12271476">2019</a>); verdicts against him and his employer amounting to millions of dollars in defamation actions (most notably <a href="https://www.abc.net.au/news/2018-09-12/alan-jones-defamed-wagners-court-decision-brisbane-qld/10230384">one for $3.75 million</a> in 2018): none of these ended his career. Quite the reverse. Only weeks after the Australian Broadcasting Authority found in its “cash for comments” inquiry that Jones and others had misled their listeners by presenting paid endorsements as editorial opinion, he was hosting an event for then prime minister John Howard. Howard was to become a fixture on the Jones program throughout the 11 years of his prime ministership. The day after the Australian Communications and Media Authority found Jones was likely to have encouraged violence and vilification of Australians of Lebanese and Middle Eastern background, Howard <a href="https://www.theage.com.au/national/jones-wins-friends-in-high-places-20070412-ge4n4f.html">described him</a> as “an outstanding broadcaster”. “I don’t think he’s a person who encourages prejudice in the Australian community, not for one moment, but he is a person who articulates what a lot of people think.” By 2001, Jones had become a kind of on-air policy-maker for the New South Wales government. In November that year, he dined with the then Labor premier, Bob Carr. They discussed a range of government policies, particularly policing. At that time, Jones was a relentless critic of the NSW police. The following week, <a href="https://www.abc.net.au/news/2012-10-01/newton-alan-jones/4288824">Carr dispatched</a> his police minister-designate, Michael Costa, to Jones’s home to discuss policing policy. In 2011 he said Julia Gillard, then Australia’s prime minister, should be taken out to sea and dumped in a chaff bag. In August 2019 he said Scott Morrison, who was then Australia’s prime minister, should “shove a sock” down the throat of his New Zealand counterpart Jacinda Ardern. He was an outspoken climate-change denier, and these grotesqueries were part of his campaign against political recognition of this reality. <figure><iframe src="https://www.youtube.com/embed/Od6I1YbrBoM?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> Jones’s power, which made him so apparently untouchable, came from his weaponising of the microphone for conservative political ends in ways that resonated with his vast and rusted-on audience of largely working-class older people across Sydney’s sprawling western suburbs. These suburbs contain many marginal state and federal electorates where the fates of governments can be decided. Their populations provide fertile ground for seeding by right-wing radio shock jocks, of whom Jones and his rival John Laws were pre-eminent examples. In Australia, this is a peculiarly Sydney phenomenon. It is not seen to the same degree in any other capital city, even though they too have large areas of socioeconomic disadvantage like western Sydney. Why that should be so is a complex question, but there are aspects of Sydney life that mark it out as different. It is really two cities. One is the largely prosperous and scenically dazzling east and north. The other, much larger, consists of dreary tracts of increasingly crowded housing stretching for many kilometres to the west and southwest. In Sydney argot, the inhabitants of these respective worlds are called “silvertails” and “fibros”, the latter referring to the cladding of the homes that proliferated in western Sydney between and after the two world wars. This two-cities effect makes the gap between the “haves” and the “have-nots” highly visible in a way that has no parallel in other Australian capitals. It engenders deep-seated grievance and cynicism, which the likes of Jones, who lives in a multimillion-dollar apartment on Circular Quay, have relentlessly exploited. Jones coined the term “Struggle Street” to encapsulate the hardships of his listeners’ lives. To these powerless people, Jones and Laws gave a voice, and as their audiences grew, prime ministers and premiers courted and feared them. In the end, Jones’s impregnability was breached by not the power elite turning on one of their own, but by the journalism of a redoubtably tenacious Sydney Morning Herald investigative reporter, Kate McClymont. In December 2023, <a href="https://www.smh.com.au/national/he-d-go-the-grope-alan-jones-accused-of-indecently-assaulting-young-men-20231205-p5epai.html">she claimed</a> Jones had used his position of power, first as a teacher and later as the country’s top-rating radio broadcaster, to allegedly prey on a number of young men. In response to McClymont’s work, the NSW police set up Strike Force Bonnefin, run by the State Crime Command’s Child Abuse Squad, to conduct an investigation into Jones. <figure><iframe src="https://www.youtube.com/embed/0ExkpCtfmA8?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> On November 18 2024, Jones was arrested at his Circular Quay home and charged initially with 24 sexual offences against eight males. The following day, two <a href="https://www.abc.net.au/news/2024-11-19/alan-jones-charged-with-additional-offences-nsw-police/104617680">additional charges</a> were laid involving a ninth male. Through his lawyers, Jones has denied the charges and was bailed to appear in Sydney’s Downing Centre Local Court on December 18. He <a href="https://www.smh.com.au/national/alan-jones-arrested-over-allegations-he-indecently-assaulted-young-men-20241118-p5krdu.html">was ordered</a> to surrender his passport and not to contact or harass the alleged victims. The charges relate to offences alleged to have been committed by Jones between 2001 and 2019, the youngest alleged victim being 17 at the time. Those dates coincide almost exactly with Jones’s most influential years, from 2002 to 2020. McClymont <a href="https://www.smh.com.au/national/a-stunning-development-kate-mcclymont-on-alan-jones-arrest-and-what-s-next-20241118-p5krln.html">has spoken</a> about the reluctance of some of her interviewees to speak, for fear of what Jones might do: "People were too afraid to take on Alan Jones. Once a couple of people came forward, and some people were happy to be publicly named, that gave confidence for other people to come forward.<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/243942/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" />" <a href="https://theconversation.com/profiles/denis-muller-1865">Denis Muller</a>, Senior Research Fellow, Centre for Advancing Journalism, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> Image credits: Getty Images 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/alan-jones-once-seemed-unassailable-what-ended-it-was-a-peculiarly-sydney-story-of-media-politics-and-power-243942">original article</a>. </div>

Legal

"We're giving them weapons": Charlotte O'Brien's parents call for social media ban

The parents of a young girl who took her own life after being bullied have joined a campaign to raise the age limit for social media. Charlotte O'Brien was a student at Santa Sabina College in Sydney’s inner west, where she dealt with relentless bullying which led to the 12-year-old's tragic death. Now, her parents Mat Howard and Kelly O’Brien appeared on 60 Minutes to ask “how many more Charlottes do we need to lose” before action was taken to protect kids from harm online. When asked if she believed Charlotte would still be alive if social media was off limits to young children, Ms O’Brien replied: “Absolutely”. “My personal opinion. Giving our kids these phones, we’re giving them weapons, we’re giving them the world at their fingertips,” the grieving mother said. In the days after the young girl's death, it was revealed her parents had pleaded with her school to address “friendship issues” Charlotte was facing. Mr Howard told 60 Minutes that despite her “ongoing struggles” the last two weeks of Charlotte’s life were “the best two weeks that I can remember with her”, adding, "We thought we were really turning the corner.” “You know she’d come home from school that day and she’d had a great day. Kelly had made her favourite dinner that night. And that night she skipped off to bed, literally skipped. And we never saw her again.” Her family revealed a “completely distressed” Charlotte spoke to a friend on her phone the night she died, and shared messages she had been sent online. “So we can’t say exactly what we’ve been told, but what I will tell you is what we’ve been told is some of the worst words that anybody should have to read, let alone a 12-year-old girl,” Mr Howard said. Recalling the heart-wrenching moment they found their daughter's body, Ms O'Brien said she pleaded for answers from police on how she would've taken her own life. “I just kept saying to the police that morning, ‘Where did she get the knowledge and the means? Where did she get the knowledge and the means?’,” she said. “I couldn’t wrap my head around it, and he (the police officer) just said to me, ‘This is the age of information. She just needed to Google it’. And for me, I’m so devastated by that because I gave her that phone.” Charlotte’s parents have travelled to Canberra to meet with Prime Minister Anthony Albanese, ahead of legislation to raise the age of using social media from 13 to 16. “I intend to say, ‘Please, Mr. Albanese, raise the age of social media to 16, because 36 months could change a lifetime’. That’s what I’m going to say,” Ms O’Brien said. Mr Howard said, “Charlotte was not the first and she’s already not the last. And this will continue to happen unless we make the right decisions.” The controversial bill to raise the age on social media platforms is set to go before Australia’s federal parliament this week, with support from both major parties. Need to talk to someone? Don't go it alone. Call Lifeline on 13 11 14 or visit lifeline.org.au Beyond Blue: 1300 224 636 SANE: 1800 187 263; saneforums.org Image credits: 2GB / Kids Helpline

Caring

How should Australian media cover the next federal election? Lessons from the US presidential race

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/denis-muller-1865">Denis Muller</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> Media coverage in Australia of the US presidential election and of the Voice referendum in October 2023 offer some pointers to what we might expect during next year’s federal election campaign. They also suggest some ways in which the professional mass media might better respond to the challenges thrown up by the combination of disinformation, harmful speech and hyper-partisanship that disfigured those two campaigns. The ideological contours of the Australian professional media, in particular its newspapers, have become delineated with increasing clarity over the past 15 years. In part this is a response to the polarising effects of social media, and in part it is a reflection of the increased stridency of political debate. The right is dominated by News Corporation, with commercial radio shock jocks playing a supporting role. The left is more diffuse and less given to propagandising. It includes the old Fairfax papers, The Age and The Sydney Morning Herald, now owned by the Nine Entertainment Company, and Guardian Australia. These contours are unlikely to change much, if at all, between now and the 2025 election. <h2>Impartiality versus ‘bothsidesism’</h2> Under these conditions, how might Australian journalism practice be adapted to better serve democracy under the pressures of an election campaign? The objective would be to contribute to the creation of a political culture in which people can argue constructively, disagree respectfully and work towards consensus. In pursuing that objective, a central issue is whether and how the media are committed to the principle of impartiality in news reports. This principle is under sustained pressure, as was seen in both the presidential election and the Voice referendum. We know from the words of its own editorial code of conduct that News Corp Australia does not accept the principle of impartiality in news reports. Paragraph 1.3 of that code states: <blockquote> Publications should ensure factual material in news reports is distinguishable from other material such as commentary and opinion. Comment, conjecture and opinion are acceptable as part of coverage to provide perspective on an issue, or explain the significance of an issue, or to allow readers to recognise what the publication’s or author’s standpoint is on a matter. </blockquote> This policy authorises journalists to write their news reports in ways that promote the newspaper’s or the journalist’s own views. This runs directly counter to the conventional separation of news from opinion accepted by most major media companies. This is exemplified by <a href="https://uploads.guim.co.uk/2023/07/27/GNM_editorial_code_of_practice_and_guidance_2023.pdf">the policy</a> of The Guardian, including Guardian Australia: <blockquote> While free to editorialise and campaign, a publication must distinguish clearly between comment, conjecture and fact. </blockquote> Appended to The Guardian’s code is the essay written in 1921 by C. P. Scott, first the editor and then the owner-editor of the Manchester Guardian, to mark the newspaper’s centenary. It includes these words: “Comment is free, but facts are sacred”. Referring to a newspaper’s public duty, he added: “Propaganda […] is hateful.” In the present overheated atmosphere of public debate, impartiality has come to be confused with a discredited type of journalism known as “bothsidesism”. “Bothsidesism” presents “both sides” of an issue without any regard for their relative evidentiary merits. It allows for the ventilation of lies, hate speech and conspiracy theories on the spurious ground that these represent another, equally valid, side of the story. Impartiality is emphatically not “bothsidesism”. What particularly distinguishes impartiality is that it follows the weight of evidence. However, a recurring problem in the current environment is that the fair and sober presentation of evidence can be obliterated by the force of political rhetoric. As a result, impartiality can fall victim to its own detached passivity. Yet impartiality does not have to be passive: it can be proactive. During the presidential campaign, in the face of Trump’s egregious lying, some media organisations took this proactive approach. When Trump claimed during his televised debate with Kamala Harris that Haitian immigrants were eating people’s pets in the town of Springfield, Ohio, the host broadcaster, the American Broadcasting Company, fact-checked him in real time. It found, during the broadcast, that there was no evidence to support his claim. <figure><iframe src="https://www.youtube.com/embed/nlCe8iOCJlQ?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> And for four years before that, The Washington Post <a href="https://www.washingtonpost.com/politics/2021/01/24/trumps-false-or-misleading-claims-total-30573-over-four-years/">chronicled</a> Trump’s lies while in office, arriving at a total of 30,573. <h2>Challenging misinformation</h2> During the Voice referendum, many lies were told about what the Voice to Parliament would be empowered to do: advise on the date of Anzac Day, change the flag, set interest rates, and introduce a race-based element into the Constitution, advantaging Aboriginal and Torres Strait Islander people over others. These were rebutted by the relevant authorities but by then the lies had been swept up in the daily tide of mis- or disinformation that was a feature of the campaign. At that point, rebuttals merely oxygenate the original falsehoods. More damaging still to the democratic process was the baseless allegation by Opposition Leader Peter Dutton that the Australian Electoral Commission had “rigged” the vote by accepting a tick as indicating “yes” but not accepting a cross as indicating “no”. <figure><iframe src="https://www.youtube.com/embed/Y_4H1IQID_M?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> Opposition Senate leader, Simon Birmingham, also said allowing ticks but not crosses undermined the integrity of the process. The electoral commissioner, Tom Rogers, was reported as repudiating these claims, but by then these lies had acquired currency and momentum. A proactive approach to impartiality requires establishing the truthful position before or at the time of initial publication, then calling out falsehoods for what they are and providing supporting evidence. Neither the principle of impartiality nor any other ethical principle in journalism requires journalists to publish lies as if they might be true. It would not have been a failure of impartiality to say in a news report that Dutton’s claims about a rigged referendum were baseless, with the supporting evidence. That evidence, set out in an <a href="https://antonygreen.com.au/how-many-voters-mark-referendum-ballot-papers-with-a-cross-not-many-based-on-evidence/">excellent example</a> of proactive impartiality by the ABC’s election analyst Antony Green at the time, was that the ticks and crosses rule had been in place since 1988. <h2>‘Proactive impartiality’ is the key to reporting the 2025 election</h2> The question is, do Australia’s main media organisations as a whole have the resources and the will to invest in real-time fact-checking? The record is not encouraging. In March 2024, the ABC dissolved its fact-checking arrangement with RMIT University, replacing it with an in-house fact-checking unit called ABC News Verify. In 2023, a team led by Andrea Carson of La Trobe University published a <a href="https://ijoc.org/index.php/ijoc/article/view/21078">study</a> tracking the fate of fact-checking operations in Australia. Its findings were summarised by her in The Conversation. In the absence of a fact-checking capability, it is hard to see how journalists can perform the kind of proactive impartiality that current circumstances demand. On top of that, the shift from advertising-based mass media to subscription-based niche media is creating its own logic, which is antithetical to impartiality. Mass-directed advertising was generally aimed at as broad an audience as possible. It encouraged impartiality in the accompanying editorial content as part of an appeal to the broad middle of society. Since a lot of this advertising has gone online, the media have begun to rely increasingly on subscriptions. In a hyper-partisan world, ideological branding, or alternatively freedom from ideological branding, has become part of the sales pitch. Where subscribers do expect to find ideological comfort, readership and ratings are at put risk when their expectations are disappointed. Rupert Murdoch <a href="https://apnews.com/article/fox-news-dominion-lawsuit-trial-trump-2020-0ac71f75acfacc52ea80b3e747fb0afe">learned this</a> when his Fox News channel in the US called the 2020 election for Joe Biden, driving down ratings and causing him to reverse that position in order to claw back the losses. These are unpalatable developments for those who believe that fair, accurate news reporting untainted by the ideological preferences of proprietors or journalists is a vital ingredient in making a healthy democracy work. But that is the world we live in as we approach the federal election of 2025.<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/243267/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/denis-muller-1865">Denis Muller</a>, Senior Research Fellow, Centre for Advancing Journalism, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a> Image credits: DEAN LEWINS/EPA-EFE/Shutterstock Editorial - LUKAS COCH/EPA-EFE/Shutterstock Editorial 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-should-australian-media-cover-the-next-federal-election-lessons-from-the-us-presidential-race-243267">original article</a>. </div>

Legal

Prince William pops up in Robert Irwin's socials

Prince William has made a surprise appearance on Robert Irwin's Instagram as the pair team up for an important award ceremony in South Africa. The Prince of Wales and the wildlife warrior posted a video from Cape Town as they take part in the annual Earthshot Prize Awards: an initiative founded by William, of which Irwin is an ambassador. “G’day, it’s Robert here, with, of course, Prince William,” Irwin began the video. “Lovely to see you. How are you enjoying South Africa so far?” “Good thanks, really good, having a lovely time so far, loving it,” the prince responded. “Robert, you’ve been a fantastic ambassador for us at the moment, so looking forward to the Prize on Wednesday – tune in!” <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-permalink="https://www.instagram.com/reel/DB_C75lP9Wa/?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/DB_C75lP9Wa/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Robert Irwin (@robertirwinphotography)</a> </div> </blockquote> Irwin said that the event was “going to be amazing” before asking William, “We’re in South Africa, one of the most amazing countries and continents for wildlife – do you have a favourite African animal?” The future King pointed out it was a “really tough question”, adding, “My children ask me this regularly. I think it’s going to have to be the cheetah.” “Cheetahs, OK. Very cool. It’s chameleons for me, the unsung hero, I love them,” Irwin told him, before signing off the video, “Thanks so much for having me, for having us, Earthshot Week has been amazing so far and I cannot wait for tomorrow night … South Africa rules!” On the second day of Prince William's four-day tour of South Africa, he joined Irwin for a walk together towards Cape Town's Signal Hill, as the royal and the Aussie conservationist met with a variety of local park rangers and firefighters, with Irwin telling media afterwards that they had both “fallen in love with Cape Town”. Image credits: Instagram

International Travel

Aussie mum jailed after faking her own death for major insurance payout

A Perth woman who faked her own death to secure a $700,000 insurance payout has been sentenced to three years behind bars. Karen Salkilld, 43, an F45 gym franchise owner, claimed she died in a car accident in Broome in December 2023. The mother-of-two, also provided a falsified death certificate, a coroner report and funeral documents, when she made the claim in January. A month later, she received more than $718,000 from Insuranceline, which she accessed by posing as her former partner who was the beneficiary of the sum and opening a bank account in her name. The "relatively sophisticated" scheme was initially successful, until police became suspicious and froze her account after she moved large amounts of the money around, according to Nine News. Salkilld had to visit Palmyra Police Station in person to certify her fake documents, but after three visits, officers realised something was up and arrested her in March. There is no evidence that her former partner knew of the crime. The fitness instructor admitted that she got the idea from a movie after she fell into debt, although she didn't specify which one. "Your offending could not be described as opportunistic," Judge Vicki Stewart told Perth District Court said in sentencing the fitness instructor. "It was calculated and required both effort and persistence." "You were living beyond your means and over-committed yourself," Stewart added. Salkilld pleaded guilty to gaining benefit by fraud and knowingly using a false record to defraud, and was sentenced to three years in prison on Monday. She was ordered to pay a $101,771 compensation to the insurance company. A restitution order for funds in the bank account was also issued - one for $549,195 and another for $67,995 - with the latter being held in the bank's fraud recoveries account. Speaking to Nine News outside court after the sentencing, Salkilld's estranged sister Ann said "it doesn't surprise me that she is capable of doing things like that." She will be eligible for parole in February 2026. Image: Nine News

Legal

"Happy wives, happy social lives?" Men are more emotionally disconnected than women – what can be done about it?

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/roger-patulny-94836">Roger Patulny</a>, <a href="https://theconversation.com/institutions/hong-kong-baptist-university-2801">Hong Kong Baptist University</a> Many of us are worried about loneliness and isolation, and both <a href="https://theconversation.com/dont-be-fooled-loneliness-affects-men-too-15545">decade-old</a> and <a href="https://www.relationshipsnsw.org.au/blog/how-many-australians-are-lonely/">recent data</a> suggest they impact men more than women. Loneliness predicts health outcomes including <a href="https://journals.sagepub.com/doi/10.1177/1745691614568352">early mortality</a>, greater <a href="https://hqlo.biomedcentral.com/articles/10.1186/s12955-022-01946-6">psychological distress</a>, and more <a href="https://www.nature.com/articles/s41572-022-00355-9">cardiovascular, metabolic and neurological problems</a>. New research also links loneliness to <a href="https://bmcpublichealth.biomedcentral.com/articles/10.1186/s12889-024-18770-w">more intolerant attitudes towards women</a>. These findings raise concerns over the causes and impacts of men’s loneliness and isolation. <h2>A deep dive into loneliness</h2> I recently analysed more than 50 indicators from a decade of data collected by the <a href="https://www.acspri.org.au/aussa">Australian Social Attitudes Survey</a>, from 2011–12, 2015–16, 2017–18, and 2022–23. My statistical models produced results for (self-identified) men and women, after controlling for the impacts of age, employment and partner status. I confirmed that Australian men are more likely to be socially and emotionally disconnected than women. I also found some reasons why this might be the case. I found men appear to focus their emotional energies primarily on their nuclear families and partners. Consequently, they over-rely on their female partners for intimate support and develop more distant, limited and transactional relationships with other people – and other men. <h2>Men are more emotionally disconnected</h2> The data show men continue to lack emotional support on a range of indicators. This puts them at greater risk of health impacts and potentially encourages more toxic attitudes towards women. A significantly greater proportion of men than women reported: <ul> <li>receiving no support from their closest friend</li> <li>receiving fun/practical advice over emotional support from close friends</li> <li>having less contact with a close friend</li> <li>not having anyone for emotional support</li> <li>not feeling “very close” to their closest friend</li> <li>not feeling “love” as their most commonly experienced emotion in the last week.</li> </ul> <h2>Men have more distant, transactional relationships</h2> Why are men in this situation? Masculinity roles are clearly influential. Traditional masculinity encourages men to appear capable, controlled and independent, avoid displays of “vulnerable” emotions or male-to-male affection (like hugging, touch or crying), and embrace the hetero-normative ideal of male provision and leadership. Such norms have been found to constrain male intimacy <a href="https://pubmed.ncbi.nlm.nih.gov/37531906/">by disallowing vulnerability</a>. My data show men tend to develop looser, transactional ties with more distant people. This may reduce the quality of the connection and its potential to reduce loneliness. I have found men are more likely than women to: <ul> <li>think it is OK to befriend someone just because they’ll make a “useful” contact</li> <li>feel obligated to repay favours immediately (foregoing longer-term connections)</li> <li>be kind to others because they “value doing the right thing”, rather than because they empathically connect with or care about the person</li> <li>give and receive kindness from strangers (rather than more familiar people)</li> <li>seek help with household jobs from more distant family or friends</li> <li>seek practical support (money, advice) from private and commercial sources (rather than friends or family)</li> <li>not seek help from family or friends for emotional, sickness or care issues.</li> </ul> This means many men retain an individualist masculine desire to remain emotionally aloof. <hr /> <iframe id="TBJfz" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/TBJfz/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe> <hr /> <h2>Appearing in control but becoming dependent?</h2> So where do men turn for intimate, emotional connection? Most often, their families. Prior studies show partnered men are <a href="https://bmcpublichealth.biomedcentral.com/articles/10.1186/s12889-024-18770-w">less lonely than single men</a>. My data show men revere the nuclear family institution and the core supportive role of women and female partners. Men are more likely than women to: <ul> <li>believe having children increases their social standing</li> <li>believe family is more important than friends</li> <li>rely on family over friends for support</li> <li>have mixed-gender friendships (in contrast to womens’ predominately female friendships)</li> <li>see their (predominantly female) partner as their closest friend</li> <li>emotionally support their (predominantly female) partner ahead of supporting others.</li> </ul> However, the masculine desire to be a “good nuclear family man” <a href="https://pubmed.ncbi.nlm.nih.gov/37531906/">can both support and impede</a> men’s social connection. Partnered men might feel less lonely but that doesn’t mean they give or gain sufficient emotional support from their nuclear families. My data show men are less likely than women to: <ul> <li>plan or organise social and family activities</li> <li>have at least weekly contact with non-nuclear family or friends</li> <li>emotionally support their friends, family or children ahead of their partners</li> <li>have their partner support them ahead of others (women were more likely to support their children first).</li> </ul> This raises several issues. If men cling to the notion that their primary role is to provide for and support their (female) partner – while she in turn emotionally supports everyone else – they risk becoming personally isolated through diminished networks and outmoded expectations. In this context, men who believe they should earn more than their partners <a href="https://theconversation.com/loneliness-in-the-workplace-is-greatest-among-men-with-traditional-views-about-being-the-breadwinner-230535">are lonelier</a> than other men. It also risks pushing the burden of maintaining social and emotional connections onto <a href="https://www.harpersbazaar.com/culture/features/a27259689/toxic-masculinity-male-friendships-emotional-labor-men-rely-on-women/">women and partners</a>, and men becoming socially and emotionally dependent on them. And it can “bake in” hetero-normative family-to-family interactions (organised by female partners) as the most “legitimate” form of socialising for men. This can be highly exclusionary for LGBTQIA+ people, along with single men and single fathers, who register among <a href="https://www.relationships.org.au/relationship-indicators/">the highest rates of loneliness in Australia</a>. <hr /> <iframe id="qCmHw" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/qCmHw/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe> <hr /> <h2>How can men become more emotionally connected?</h2> Feelings shouldn’t be seen as just a <a href="https://www.harpersbazaar.com/culture/features/a27259689/toxic-masculinity-male-friendships-emotional-labor-men-rely-on-women/">“female thing”</a>. Younger men’s more inclusive masculine attitudes can allow them to <a href="https://theconversation.com/he-is-always-there-to-listen-friendships-between-young-men-are-more-than-just-beers-and-banter-200301">subvert the “rules” of masculinity</a>, express emotion and embrace <a href="https://theconversation.com/he-is-always-there-to-listen-friendships-between-young-men-are-more-than-just-beers-and-banter-200301">“bromances”</a>. Men can also connect emotionally with other men through <a href="https://theconversation.com/he-is-always-there-to-listen-friendships-between-young-men-are-more-than-just-beers-and-banter-200301">jokes and humour</a> and participating in shared activities <a href="https://theconversation.com/lost-touch-with-friends-during-lockdown-heres-how-to-reconnect-and-let-go-of-toxic-ones-172853">that allow incidental communication</a>, like Men’s Sheds. The following initiatives may well help men broaden their intimate networks beyond the nuclear family. We could:<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/239194/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <ul> <li>help men into caring roles through more <a href="https://theconversation.com/loneliness-in-the-workplace-is-greatest-among-men-with-traditional-views-about-being-the-breadwinner-230535">family friendly employment and care-leave policies</a></li> <li>support initiatives such as <a href="https://meninmind.movember.com/">Movember Men in Mind</a> that encourage men to seek help, and improve their emotional expression and support skills</li> <li>encourage partnered, heterosexual men to broaden and diversify their intimate networks beyond the nuclear family bubble, and be more inclusive of single men, single fathers, and LGBTQIA+ people. <a href="https://thephn.com.au/news/the-mens-table-successful-mental-health-initiative-expanding-across-seven-new-regions">Men’s Table initiatives</a> could be of great value here</li> <li>encourage the development of more online <a href="https://theconversation.com/he-is-always-there-to-listen-friendships-between-young-men-are-more-than-just-beers-and-banter-200301">safe spaces</a> to form intimate bonds while avoiding toxic online masculine spaces.</li> </ul> <a href="https://theconversation.com/profiles/roger-patulny-94836">Roger Patulny</a>, Professor, Academy of Geography, Sociology and International Studies, <a href="https://theconversation.com/institutions/hong-kong-baptist-university-2801">Hong Kong Baptist University</a> Image credits: Shutterstock 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/happy-wives-happy-social-lives-men-are-more-emotionally-disconnected-than-women-what-can-be-done-about-it-239194">original article</a>. </div>

Mind

Are older adults more vulnerable to scams? What psychologists have learned about who’s most susceptible, and when

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/natalie-c-ebner-1527554">Natalie C. Ebner</a>, <a href="https://theconversation.com/institutions/university-of-florida-1392">University of Florida</a> and <a href="https://theconversation.com/profiles/didem-pehlivanoglu-1527551">Didem Pehlivanoglu</a>, <a href="https://theconversation.com/institutions/university-of-florida-1392">University of Florida</a> About 1 in 6 Americans <a href="https://www.census.gov/library/stories/2023/05/2020-census-united-states-older-population-grew.html">are age 65 or older</a>, and that percentage <a href="https://www.ncoa.org/article/get-the-facts-on-older-americans">is projected to grow</a>. Older adults often hold positions of power, have retirement savings accumulated over the course of their lifetimes, and make important financial and health-related decisions – all of which makes them attractive targets for financial exploitation. In 2021, there were more than 90,000 older victims of fraud, according to the FBI. These cases resulted in <a href="https://www.ic3.gov/Media/PDF/AnnualReport/2021_IC3ElderFraudReport.pdf">US$1.7 billion in losses</a>, a 74% increase compared with 2020. Even so, that may be a significant undercount, since embarrassment or lack of awareness <a href="https://assets.aarp.org/rgcenter/econ/fraud-victims-11.pdf">keeps some victims from reporting</a>. <a href="https://ncea.acl.gov/elder-abuse#gsc.tab=0">Financial exploitation</a> represents one of the most common forms of elder abuse. Perpetrators are often individuals in the victims’ inner social circles – family members, caregivers or friends – but can also be strangers. When older adults experience financial fraud, they typically <a href="https://public.tableau.com/app/profile/federal.trade.commission/viz/AgeandFraud/Infographic">lose more money</a> than younger victims. Those losses can have <a href="https://doi.org/10.1057/sj.2012.11">devastating consequences</a>, especially since older adults have limited time to recoup – dramatically reducing their independence, health and well-being. But older adults have been largely neglected in research on this burgeoning type of crime. We are <a href="https://ebnerlab.psych.ufl.edu/natalie-c-ebner-phd/">psychologists who study social cognition</a> and <a href="https://ebnerlab.psych.ufl.edu/didem-pehlivanoglu/">decision-making</a>, and <a href="https://ebnerlab.psych.ufl.edu/">our research lab</a> at the University of Florida is aimed at understanding the factors that shape vulnerability to deception in adulthood and aging. <h2>Defining vulnerability</h2> Financial exploitation involves a variety of exploitative tactics, such as coercion, manipulation, undue influence and, frequently, some sort of deception. The majority of current research focuses on <a href="https://doi.org/10.1002/acp.3052">people’s ability to distinguish between truth and lies</a> during interpersonal communication. However, deception occurs in many contexts – increasingly, over the internet. Our lab conducts laboratory experiments and real-world studies to measure susceptibility under various conditions: investment games, lie/truth scenarios, phishing emails, text messages, fake news and deepfakes – fabricated videos or images that are created by artificial intelligence technology. To study how people respond to deception, we use measures like surveys, brain imaging, behavior, eye movement and heart rate. We also collect health-related biomarkers, such as being a carrier of <a href="https://pubmed.ncbi.nlm.nih.gov/8346443/">gene variants</a> that increase risk for Alzheimer’s disease, to identify individuals with particular vulnerability. And <a href="https://doi.org/10.20900/agmr20230007">our work</a> shows that an older adult’s ability to detect deception is not just about their individual characteristics. It also depends on how they are being targeted. <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=339&fit=crop&dpr=1 600w, https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=339&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=339&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=426&fit=crop&dpr=1 754w, https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=426&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/593784/original/file-20240513-16-j9zy1i.png?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=426&fit=crop&dpr=3 2262w" alt="A figure with two circles and an arrow between them. One circle shows icons that symbolize individual susceptibility to deception -- like a brain, and a walking cane -- while the other has icons of types of deception, like mail or a text message." /></a><figcaption>Vulnerability depends not only on the person, but also the type of fraud being used. Natalie Ebner and Didem Pehlivanoglu</figcaption></figure> <h2>Individual risk factors</h2> Better cognition, social and emotional capacities, and brain health are all associated with less susceptibility to deception. Cognitive functions, such as how quickly our brain processes information and how well we remember it, <a href="https://doi.org/10.1177/1745691619827511">decline with age</a> and impact decision-making. For example, among people around 70 years of age or older, declines in analytical thinking are associated with <a href="https://doi.org/10.1037/xap0000426">reduced ability to detect false news stories</a>. Additionally, low memory function in aging is associated with <a href="https://doi.org/10.1093/geronb/gby036">greater susceptibility to email phishing</a>. Further, according to recent <a href="https://osf.io/preprints/osf/6f2y9">research</a>, this correlation is specifically pronounced among older adults who carry a gene variant that is a genetic risk factor for developing Alzheimer’s disease later in life. Indeed, some research suggests that greater financial exploitability may serve as <a href="https://doi.org/10.1016/j.neubiorev.2022.104773">an early marker</a> of disease-related cognitive decline. Social and emotional influences are also crucial. Negative mood can enhance somebody’s ability to detect lies, while <a href="https://doi.org/10.1037/xap0000426">positive mood in very old</a> age can impair a person’s ability to detect fake news. Lack of support and loneliness exacerbate susceptibility to deception. Social isolation during the COVID-19 pandemic has led to <a href="https://doi.org/10.1093/gerona/glaa077">increased reliance on online platforms</a>, and older adults with lower digital literacy are <a href="https://doi.org/10.1093/geront/gnac188">more vulnerable to fraudulent emails and robocalls</a>. Finally, an individual’s brain and body responses play a critical role in susceptibility to deception. One important factor is <a href="https://doi.org/10.1016/j.tins.2020.10.007">interoceptive awareness</a>: the ability to accurately read our own body’s signals, like a “gut feeling.” This awareness is correlated with <a href="https://doi.org/10.1093/geroni/igad104.3714">better lie detection</a> in older adults. According to <a href="https://doi.org/10.1093/gerona/glx051">a first study</a>, financially exploited older adults had a significantly smaller size of insula – a brain region key to integrating bodily signals with environmental cues – than older adults who had been exposed to the same threat but avoided it. Reduced insula activity is also related to greater difficulty <a href="https://doi.org/10.1073/pnas.1218518109">picking up on cues</a> that make someone appear less trustworthy. <h2>Types of effective fraud</h2> Not all deception is equally effective on everyone. <a href="https://doi.org/10.1145/3336141">Our findings</a> show that email phishing that relies on reciprocation – people’s tendency to repay what another person has provided them – was more effective on older adults. Younger adults, on the other hand, were more likely to fall for phishing emails that employed scarcity: people’s tendency to perceive an opportunity as more valuable if they are told its availability is limited. For example, an email might alert you that a coin collection from the 1950s has become available for a special reduced price if purchased within the next 24 hours. There is also evidence that as we age, we have greater difficulty detecting the “wolf in sheep’s clothing”: someone who appears trustworthy, but is not acting in a trustworthy way. In <a href="https://doi.org/10.1038/s41598-023-50500-x">a card-based gambling game</a>, we found that compared with their younger counterparts, older adults are more likely to select decks presented with trustworthy-looking faces, even though those decks consistently resulted in negative payouts. Even after learning about untrustworthy behavior, older adults showed greater difficulty overcoming their initial impressions. <h2>Reducing vulnerability</h2> Identifying who is especially at risk for financial exploitation in aging is crucial for preventing victimization. We believe interventions should be tailored, instead of a one-size-fits-all approach. For example, perhaps machine learning algorithms could someday determine the most dangerous types of deceptive messages that certain groups encounter – such as in text messages, emails or social media platforms – and provide on-the-spot warnings. Black and Hispanic consumers are <a href="https://www.ftc.gov/system/files/documents/reports/combating-fraud-african-american-latino-communities-ftcs-comprehensive-strategic-plan-federal-trade/160615fraudreport.pdf">more likely to be victimized</a>, so there is also a dire need for interventions that resonate with their communities. Prevention efforts would benefit from taking a holistic approach to help older adults reduce their vulnerability to scams. Training in <a href="https://doi.org/10.1007/s40520-019-01259-7">financial, health</a> and <a href="https://www.nature.com/articles/s41598-022-08437-0.pdf">digital literacy</a> are important, but so are programs to <a href="https://doi.org/10.1186/s12889-021-10363-1">address loneliness</a>. People of all ages need to keep these lessons in mind when interacting with online content or strangers – but not only then. Unfortunately, financial exploitation often comes from individuals close to the victim.<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/227991/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/natalie-c-ebner-1527554">Natalie C. Ebner</a>, Professor of Psychology, <a href="https://theconversation.com/institutions/university-of-florida-1392">University of Florida</a> and <a href="https://theconversation.com/profiles/didem-pehlivanoglu-1527551">Didem Pehlivanoglu</a>, Postdoctoral Researcher, Psychology, <a href="https://theconversation.com/institutions/university-of-florida-1392">University of Florida</a> Image credits: Shutterstock 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/are-older-adults-more-vulnerable-to-scams-what-psychologists-have-learned-about-whos-most-susceptible-and-when-227991">original article</a>. </div>

Money & Banking

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

<div class="theconversation-article-body"><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> In Australia, it’s scam victims who foot the bill for the overwhelming majority of the money lost to scams each year. 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. 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. 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. 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”. Here’s what you should know about this landmark ruling, and what it might mean for consumers. <h2>A highly sophisticated ‘spoofing’ scam</h2> 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. 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. The scammer sent Mr T a text message, purportedly asking him to investigate an attempted Amazon transaction. 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. 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. 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. <h2>AFCA’s ruling</h2> 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. 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. 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. 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. It also ordered the bank to pay compensation of $1,000 for poor customer service in dealing with the matter, including communication delays. <h2>Other cases may be more complex</h2> 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. 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. 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: <ul> <li>legal principles</li> <li>applicable industry codes</li> <li>good industry practice</li> <li>previous AFCA decisions.</li> </ul> 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. <h2>Broader reforms are on the way</h2> 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. 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. 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. Changes on the horizon could be more ambitious and significant. 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. 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. 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.<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" /> <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> Image credits: Shutterstock 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>. </div>

Money & Banking

Tony Armstrong called out by Media Watch for "moonlighting"

The ABC has taken aim at one of their own, with Media Watch calling out popular presenter Tony Armstrong over his new "moonlighting" gig. On Monday night, Media Watch host Janine Perrett said she was "stunned" Armstrong had failed to get the all-clear from network bosses before he became the voice of NRMA Insurance. As the ABC is taxpayer funded, staff of the public broadcaster - particular ones with a high profile - are discouraged from appearing in private advertisements. While Armstrong announced he would be leaving his role with ABC News Breakfast, he still has other projects with the network. “It’s a shame this moonlighting at the expense of the ABC’s integrity is what we’re talking about in his final week on News Breakfast,” Perrett said. “Tony’s arguably one of the ABCs biggest stars,” she added. “He’s not only on the breakfast TV couch, he’s appeared at night on a new sports show, he’s one of many appearing in ABC News promos and is the face of a new five part series." “So we were stunned when we got confirmation that Tony was selling an insurance company as well”. The NRMA ads, which Armstrong voiced but does not physically appear in, have been on TV since July, and often appearing in Channel Nine's Olympics broadcasts. Perrett said that Media Watch had asked the ABC if it knew of Armstrong’s work for NRMA Insurance and if he had been given approval to voice the ads. “Astonishingly, he did not,” she said. In a statement to the program, the ABC said the voiceover was done without its knowledge and added this was due to a “misunderstanding,” with Armstrong’s representatives external to the ABC. “A misunderstanding?” said Perrett. “How any ABC reporter could voice a commercial for one of the biggest brands in Australia and not think that is a conflict, is beyond us." “If this is not a breach of the guidelines on external work, which says you must seek approval from above, we don’t know what is”. While ABC’s<a title="www.abc.net.au" href="https://www.abc.net.au/edpols/external-work-and-editorial-conflicts/13644776"> editorial guidelines </a>do not outright ban staff from doing commercial work but it asks them to “quantify the risk” of doing so, while also demanding the staff "seek approval from their manager". Media Watch reached out to Tony Armstrong for an explanation, but he did not comment on the private ads. Image credits: ABC

Legal

Why one baby king penguin is Sea Life's new social media star

A baby king penguin at Sea Life Melbourne has become the aquarium's newest celebrity for one massive reason: his size. Pesto the king penguin is just nine months old and 22.5 kilogram, which is already bigger than his parents. Photos of Pesto, who is just 90 centimetres tall, towering over his parents have gone viral online, with thousands of people shocked at the animal's whopping size. When Pesto was born, he broke the record of being the biggest chick ever born at Sea Life. <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-permalink="https://www.instagram.com/reel/C-Crh17SzVD/?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/C-Crh17SzVD/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by Herald Sun (@heraldsunphoto)</a> </div> </blockquote> "I think he's always going to be a big boy," says Sea Life penguin keeper Michaela Smale. She said that once he fledges, "he will shrink and slim down a little but he's already significantly taller than his dad." Despite being less than a year old, adulthood is already on the horizon as Pesto has started losing some of his baby feathers, with swimming lessons from his dad likely to be starting soon. "Sometimes they become quite independent teenagers, so maybe he's ready for his bad boy phase," says Smale. "I hope he retains some of his quirky personality and hopefully we can follow his adventures as he becomes part of the colony." Image credits: Instagram <div class="" style="box-sizing: border-box; margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant-caps: inherit; font-weight: inherit; font-stretch: inherit; font-size: inherit; line-height: inherit; font-family: inherit; font-size-adjust: inherit; font-kerning: inherit; font-variant-alternates: inherit; font-variant-ligatures: inherit; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-variant-position: inherit; font-feature-settings: inherit; font-optical-sizing: inherit; font-variation-settings: inherit; vertical-align: baseline;"> <div id="adspot-mobile-mobile-3-above" style="box-sizing: border-box; margin: 0px; padding: 0px; border: 0px; font-style: inherit; font-variant-caps: inherit; font-weight: inherit; font-stretch: inherit; font-size: inherit; line-height: inherit; font-family: inherit; font-size-adjust: inherit; font-kerning: inherit; font-variant-alternates: inherit; font-variant-ligatures: inherit; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-variant-position: inherit; font-feature-settings: inherit; font-optical-sizing: inherit; font-variation-settings: inherit; vertical-align: baseline;"></div> </div>

Domestic Travel

"This is horrific": Queen icon calls out convincing scam

Brian May has spoken out after becoming the target of a dangerous scam, urging people to be careful online. The guitarist of iconic rock band Queen was made aware of the scam by a fan, who sent him the TikTok of what seems to be May himself offering concert tickets at a discount. The video, which is actually AI-generated and has nothing to do with May or with Queen, shows the rockstar offering music fans the chance to see a concert from backstage. “I hope you’re all well out there,” says the fake Brian May in the video. “Some good news. Backstage tickets for my next show in your cities are now going for only $800, which were previously $2000. I’m only selecting 10 people in the comments, so if you’re ready to make payment, comment, ‘ready’.” May responded to the post publicly, sharing his horror and anger with fans over the “creepy” video, saying, “My God. This is horrific.” “I suppose this is now so easy to do – and there are always people who will sink to any depths to try to make a quick buck. Disgusting.” He continued, “Thanks for the alert dear (TikTok username) stereojazz. I’ve alerted our team and hopefully we can squash this.” Fans were quick to comment that they had almost been fooled by the convincing video. “That they abuse your beautiful personality for this scam hurts even more and is really scary. I hate it,” commented one. “It is insanely terrifying what AI can do these days,” wrote another. Image credits: TikTok

Legal

“Enough is enough”: Albanese to introduce social media ban for children

Australian children could soon be banned from accessing social media platforms like Instagram and TikTok amid growing concerns around its impacts on young minds. Prime Minister Anthony Albanese confirmed on Tuesday that his government would introduce landmark legislation to enforce a minimum age limit for access to social media, with the minimum age yet to be determined. This follows similar announcements made from Victoria and South Australia, with SA proposing an outright ban for kids under 13 and parental consent between the ages of 14 and 15, an option that is being considered to be implemented across the country. “We are taking this action because enough is enough,” Albanese said in a statement provided before the announcement. “Parents are worried sick about this. “The safety and mental and physical health of our young people is paramount.” The legislation will be introduced before the end of this year, after an age verification trial, although the age limits and start date have yet to be finalised. The government said the legislation would be worked on in national cabinet and draw on a report by former High Court Chief Justice Robert French commissioned by the SA government and released on Sunday. The report includes a draft bill to ban children under 14 from social media and making mandatory for companies to gain parental consent for 14 and 15-year-olds to use their platforms. On Tuesday morning, Albanese told Sunrise host Natalie Barr that he wanted to see kids “off their devices and on to the footy fields or the netball courts to get them interacting with real people having real experiences." “And we know that social media is doing social harm. “We want to make sure we get it right, but we want to make sure as well that we act which is why we have said we will introduce legislation before the end of this year." When the Sunrise host pointed out that "no country in the world has successfully been able to do this," with young teens finding alternative ways to access adult sites including using a VPN, Albanese replied: “that is why we are doing the trial to get it right”. “If it was easy it would have been done around the world. But just because something is hard doesn’t mean that you shouldn’t try. “We want to work with parents to work with companies, to work with state and territory governments to make sure that we act in this area.” Albanese also said that allowing children unfettered access to smartphones and social media have had devastating impacts for some families, including through online bullying and access to material which causes social harm. “The safety and mental and physical health of our young people is paramount,’’ he said. “We are taking this action because enough is enough.” Investigations, trials and negotiations with social media companies are currently ongoing, with Albanese saying the social media giants also needed to take responsibility. “They’re not above everyone else. They can’t just say, ‘We’re a big multinational company. We can do whatever we like’, regardless of the harm that’s being caused,” he said. SA Premier Peter Malinauskas, who led the change to introduce the bans, said his state’s bill would require platforms such as Facebook, Instagram and TikTok to ensure they took all reasonable steps to prevent children from getting access. “This is a problem that demands swift and decisive leadership, and I thank the Prime Minister for demonstrating it,’’ the SA Premier said. “The evidence shows early access to addictive social media is causing our kids harm. “This is no different to cigarettes or alcohol. When a product or service hurts children, governments must act.” The National Cabinet discussed the issue formally and informally last week, with all jurisdictions committed to tackling the issue. Image: Viktollio / Shutterstock.com

Legal

Romance fraud doesn’t only happen online – it can turn into real-world deception

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/cassandra-cross-122865">Cassandra Cross</a>, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a> We often think of fraudsters as people on the opposite side of the world. They will manipulate and exploit victims through words on a computer screen, or loving messages through the phone. But romance fraud can also happen in person, with the fraudster sleeping in the bed beside you. This was the circumstance Australian writer Stephanie Wood found herself in. It’s also the basis for the new <a href="https://www.paramountanz.com.au/news/fake-breaks-subscription-and-streaming-records-on-paramount/">television series Fake</a>, currently screening on Paramount+. A dramatisation of Wood’s powerful memoir by the same name, the series outlines the many lies and betrayals of an intimate relationship. It’s a brutal insight into the world of deception which characterises romance fraud. <h2>When love hurts</h2> Romance fraud (or romance scams) is what it sounds like – offenders use the guise of a relationship to gain a financial reward. In most cases, it’s through the direct transfer of money from the victim, but it can also be through using personal credentials to commit identity crimes. From the outside, it’s hard to understand how romance fraud is so effective. However, <a href="https://eprints.qut.edu.au/233966/">research has documented</a> the range of grooming techniques, social engineering tactics and methods of psychological abuse deployed by offenders. Offenders know exactly what to do and say to gain the compliance of their victim. <hr /> <hr /> Offenders target a person’s vulnerability and work hard to build strong levels of trust. There are endless calls, texts and emails that create a bond. Then follows the inevitable “crisis”, whereby the offender needs money urgently for a health emergency, criminal justice situation, business need or even a <a href="https://www.accc.gov.au/media-release/romance-baiting-scams-on-the-rise">cryptocurrency investment</a> opportunity. For many, this can result in ongoing payments and substantial losses. Over <a href="https://www.accc.gov.au/about-us/publications/serial-publications/targeting-scams-reports-on-scams-activity/targeting-scams-report-of-the-accc-on-scams-activity-2023">A$200 million</a> was reported lost by Australians to this fraud type in 2023, but this is likely a gross underestimation of actual figures. It also doesn’t capture the many <a href="https://www.aic.gov.au/sites/default/files/2020-05/29-1314-FinalReport.pdf">non-financial harms</a>, including physical and emotional declines in wellbeing. When the relationship finally ends, it’s too late. The money is gone, the extent of the deception is laid bare, and recovery from the heartache and loss is a constant battle. There is a well-documented “<a href="https://journals.sagepub.com/doi/full/10.1177/1748895815603773">double hit</a>” of victimisation, with individuals needing to grieve the relationship as well as any financial losses. <h2>Seeing is not believing</h2> There are countless incidents of romance fraud where the offender and victim never meet: the deception takes place entirely online. But it’s important to know fraudsters also operate in person. Wood’s memoir details an extraordinary level of lies and dishonesty presented to her throughout her relationship. Stories that laid the groundwork for later fabrications. Stories that were deliberate and calculated in how they were used to gain her trust, and later used against her. The motivations of these real-world deceivers are not always straightforward. Often it’s about money, but not always. For Wood, not being asked for money allayed potential suspicions, but it didn’t reduce her feelings of loss and emotional devastation upon discovering the extent of the lies. <figure><iframe src="https://www.youtube.com/embed/K_1Akqhjy6M?wmode=transparent&start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> Wood is by no means alone in her experience. Marketing executive Tracy Hall endured a similarly sophisticated and all-encompassing level of deceit in her relationship with <a href="https://www.theguardian.com/australia-news/2019/jun/20/conman-hamish-mclaren-jailed-for-up-to-16-years-after-swindling-76m-from-victims">convicted conman Hamish McLaren</a> (known to her as Max Tavita). In her book, <a href="https://tracyhall.com.au/the-last-victim">The Last Victim</a>, Hall recounts snippets of their daily lives over a 16-month period, with McLaren portraying himself as a successful professional in finance. His mail was addressed to Max Tavita and his phone conversations were with real people. Yet his whole identity and the world he represented to Hall was a complete fabrication. The experiences of Wood and Hall highlight the sheer depth of elaborate deception that can be perpetrated in an intimate relationship. Critically, it highlights romance fraud isn’t relegated to an online environment. <h2>How can we prevent romance fraud?</h2> There is an overwhelming amount of <a href="https://eprints.qut.edu.au/83702/">shame and stigma</a> associated with romance fraud. The dynamics of these deceptive relationships are misunderstood, and this perpetuates negative stereotypes and a discourse of victim blaming, even from friends and family. In hindsight, the warning signs might seem obvious, but fraudsters tend to effectively disguise these in real time and deploy deliberate tactics to overcome any suspicion. We must all create a culture that empowers victims to come forward to raise awareness. This isn’t intended to create fear or anxiety, but to normalise the threat fraud poses, and to allow for difficult conversations if it happens. Ongoing silence from victims only favours the offender. <h2>How to protect yourself from romance fraud</h2> It’s inevitable we’ll continue to swipe right in our efforts to find love. But keep a healthy level of scepticism and an open dialogue with family and friends in any quest for a new relationship. Don’t be afraid to conduct your own searches of people, places and situations presented to you in a relationship. There is a memorable moment in Fake where the protagonist refutes her friend’s offer of assistance, saying “this is a love story not an investigation”. Sadly, sometimes an investigation is necessary. No matter what the circumstance or the person, think carefully before sending any money. Only give what you are willing to lose. Deception comes in many forms. We must recognise it for what it is, and the impact it has on victims. But we must also not give into those who lie, and let them define who we are or dictate our ability to trust. If you or someone you know has been a victim of romance fraud, you can report it to <a href="https://www.cyber.gov.au/report-and-recover/report">ReportCyber</a>. For support, contact <a href="https://www.idcare.org/">iDcare</a>. For prevention advice, consult <a href="https://www.scamwatch.gov.au/">Scamwatch</a>.<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/237653/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/cassandra-cross-122865">Cassandra Cross</a>, Associate Dean (Learning & Teaching) Faculty of Creative Industries, Education and Social Justice, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a> Image credits: Shutterstock 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/romance-fraud-doesnt-only-happen-online-it-can-turn-into-real-world-deception-237653">original article</a>. </div>

Legal

New support system helps older Aussies who have fallen victim to scams

A new support system has been set up to help vulnerable older Australians who have fallen victim to dangerous scams. With millions of Aussies targeted every year, many of these targets are elderly with 30 percent of victims hesitant to come forward because they are too embarrassed to admit what's happened to them. One such victim, 86-year-old Mary, said she was humiliated after falling for a scam saying she is old enough to know better. "It serves me right, I shouldn't have been so trusting," she said. "You blame yourself and you don't really want to tell people how stupid you are, so you think, 'Well, I'll just have to bear it'." Mary was scammed when she received a call from a man pretending to be a technician, saying he needed access to her computer to resolve a problem in her area. Step by step, the "technician" got Mary to log-in and give him complete access to her entire online identification, completely cleaning her out of $20,000 in savings. This is why <a title="ID Support NSW" href="https://www.nsw.gov.au/id-support-nsw" target="_blank" rel="noopener">ID Support NSW</a> is now offering a free service to help older Australians be able to protect themselves online and spot suspicious activity. "The most common scams are romance and impersonation scams, where people pretend to be someone they're not," ID Support NSW's Jacqueline Wilson told <a href="https://9now.nine.com.au/today/scam-awareness-week-id-support-nsw-offering-free-help-for-older-australians/20d3f8d6-fe32-4b1d-af32-294e47f4412d" target="_blank" rel="noopener">Today</a>. "Most start with a text or call and once someone responds or engages, they usually end up losing money." Jacqueline said the best thing you could do if you even suspect a scammer was to just hang up the phone, saying, "You don't need to indulge them, you don't need to be polite, you don't need to engage in a long conversation." Image credits: Today

Legal

"Sexy Santas" cause outrage at Seven staff meeting

Channel 7 has come under fire after footage of a routine staff meeting featured scantily clad dancers dressed as Santa. The meeting of Seven Network parent company Seven West Media in Perth was held on Friday to introduce a series of new hires and appointments, while deputy news director Ray Kuka also discussed upcoming programming for the rest of the year. As part of the announcement, Kuka spoke of Perth’s annual Christmas Pageant on December 7th, when Mariah Carey’s All I Want for Christmas started playing and a group of female dancers wearing Santa hats and short red dresses appeared and started dancing. Female staff who watched on were said to have been "dumbstruck and horrified" by the bizarre scene, with <a href="https://www.afr.com/rear-window/stokes-woke-regime-comes-with-sexy-surprise-20240825-p5k54h" target="_blank" rel="noopener">The Australian Financial Review</a> claiming many likened the dancers to "sl*tty elves". A photo of the event was shared online and drew heavy criticism, as one worker shared that the performance prompted a mass walk out of outraged staffers. “OMG – if they thought that was even slightly appropriate given everything we’ve found out about them, the cultural makeup of that organisation is badly broken,” one person wrote online. “That will help fix the culture issues which have been uncovered.” A spokesman for Seven West Media defended the dancers, explaining that they were part of the Christmas Pageant, which is a “Perth institution”. The footage of the meeting comes as Seven faces a series of internal challenges as they fight allegations of being a "toxic" workplace. Ryan Stokes, the managing director of Seven Group Holdings Ltd, recently called inappropriate behaviour in media an "industry-wide problem". Stokes said it was "disappointing that there is a perception [that] inappropriate behaviour" was tolerated at Seven because "we don't tolerate any inappropriate behaviour". Image credits: Seven West Media

Legal

Warning over new scam preying on seniors

Police have issued an urgent warning for seniors to stay vigilant as a new scam targets more vulnerable Australians. Wollongong police officers have received reports of wills and estate documents allegedly being forged earlier this year, with inquiries ongoing. Scammers are currently targeting vulnerable members in the Illawarra community in Sydney, with elderly members of the community and their families being urged to take precautions to lower the risk of the new scam. "Examples of estate fraud include: a person signing a will that was a different document then they intended to sign, a person signing a will when they limited mental capacity, and an executor could pay themselves advances or unreasonable expenses from the estate,” a statement from a NSW Police spokesperson explained. Will fraud occurs when misleading or deceptive conduct is used while preparing a will. Executor fraud occurs when a person appointed to administer an estate uses deceitful tactics to gain access to estate assets, including false, fabricated or misleading statements used for the financial benefit. Anyone who has been affected or anyone with information have been urged to come forward to police. Image: Shutterstock

Legal

It’s tax time and scammers are targeting your myGov account. Here’s how to stay safe

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/cassandra-cross-122865">Cassandra Cross</a>, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a> For many, tax time is an exciting part of the year – there’s the potential for a refund. However, it’s also an attractive time for fraudsters looking for ways to get money and deceive unsuspecting victims. Each year Australians lose large amounts of money to scams. In 2023, Australians reported <a href="https://www.accc.gov.au/media-release/scam-losses-decline-but-more-work-to-do-as-australians-lose-27-billion">losses of more than A$2.7 billion</a>. While this is a slight reduction from the $3.1 billion in 2022, there are still millions of victims who’ve suffered at the hands of scammers. Impersonation scams are one common approach. Scamwatch reports that in 2023, <a href="https://www.scamwatch.gov.au/news-alerts/shopping-for-online-bargains-this-black-friday-weekend-make-sure-its-the-real-deal">70% of reports to them</a> involved impersonation. A large number of these were linked to the Australian Taxation Office (ATO) and myGov. <h2>What is an impersonation scam?</h2> Impersonation scams are what they sound like: when an offender pretends to be someone or something they are not. Offenders may pretend to be family members or friends in our contact lists. In many cases, they will say they’re from an organisation such as a bank or a well-known retailer, or a government department – like the ATO. Offenders take on the identity of a known and trusted organisation to increase the chances of success. While we may ignore communications from unknown entities and strangers, we’re more likely to engage with what’s familiar. Additionally, the ATO has a powerful status as a government agency, and we are unlikely to ignore its messages – especially at tax time. <h2>What are they trying to get out of my myGov account?</h2> myGov is the gateway to a range of government services, including Medicare, Centrelink, My Health Record, the National Disability Insurance Scheme, and of course, the ATO. Being able to log in to myGov gives offenders access to a wide range of your personal details. This can help them build a fuller profile of you to potentially commit identity theft (such as opening new accounts in your name). There’s also the potential for direct fraud. With access to myGov, offenders can change your bank account details and redirect any refunds into their accounts, whether from the ATO or other linked services. They can even submit false tax returns, medical claims or other forms to obtain fraudulent funds. As the legitimate owner of the account, you may not immediately notice this. <h2>What does a myGov scam look like?</h2> In most instances, a myGov scam will look like one of the many phishing attempts we all receive on a daily basis. While each approach can be worded differently, their desired outcome is the same: to acquire your personal information. Fraudsters are sending text messages and emails pretending to be from the ATO, advising you there’s a refund available if you click the provided link. Another approach is to flag a “problem” with your tax return or bank account, and direct you to take immediate action via a link. Creating a sense of urgency can trick users into acting in the moment, without thinking through the request. The text or email may also be very neutral, simply stating there’s a new message waiting – with a link to where you can read it. Regardless of what the message says, the goal is to direct you to a website that looks genuine, but is fake. If you enter your myGov details into such a fake site, the offender can capture your login details and use them to log into your actual myGov account. <h2>What to do if you’ve been a victim?</h2> If you have clicked on a scam link and provided your personal details, there are steps you can take. Change your password and review your account settings if you still have access to your myGov account. Check your bank accounts, to see what, if anything, has been lost. Contact your bank or financial institution immediately if you notice any withdrawals or suspicious transactions. Contact any other organisation linked to your myGov account to see if any unauthorised actions have been taken. For anyone who has lost personal information and experienced identity crime, <a href="https://www.idcare.org/">IDCARE is the national support centre</a> for identity crime victims. They will be able to assist with a personalised response plan to your specific situation. <h2>How do I keep my account safe?</h2> Never click on links in text messages or emails that direct you to log in to your accounts. Always access your accounts independently, through details you have found independently of any text or email. Review your security settings. There have been recent reports of people’s myGov accounts being targeted <a href="https://www.theguardian.com/australia-news/article/2024/aug/01/ato-mygov-tax-return-refund-scam">with repeated login attempts</a>. Using your unique eight-digit myGov username for logging in can be safer than <a href="https://my.gov.au/en/about/help/mygov-website/help-using-your-account/manage-sign-in-details#updatingyourusername">using your email address</a>. Enable <a href="https://theconversation.com/what-is-multi-factor-authentication-and-how-should-i-be-using-it-191591">multi-factor authentication</a> where possible. myGov uses two-factor authentication in the form of a text message in addition to an online login. While this is not foolproof, it offers an additional layer of protection and can stop offenders accessing your account with only partial pieces of your information. Be vigilant on all communications. Always keep in mind that all may not be what it seems and the person you are communicating with may not be who they say they are. It is okay to be sceptical and do your own checks to verify details of what is presented to you. Remember, fraudsters thrive on the silence and shame of those who respond or fall victim to their scams. We need to communicate openly about these schemes and talk to family and friends, to increase everyone’s knowledge and awareness.<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/235785/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/cassandra-cross-122865">Cassandra Cross</a>, Associate Dean (Learning & Teaching) Faculty of Creative Industries, Education and Social Justice, <a href="https://theconversation.com/institutions/queensland-university-of-technology-847">Queensland University of Technology</a> Image credits: Shutterstock 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/its-tax-time-and-scammers-are-targeting-your-mygov-account-heres-how-to-stay-safe-235785">original article</a>. </div>

Money & Banking

Been scammed? Here's how to financially recover

Many people feel shame and embarrassment after realising they have been scammed. But you shouldn’t. You did nothing wrong; you are the victim of a crime. Not only are such feelings bad for your mental wellbeing, but they also often stop people reporting the scam or taking action to avoid further losses. Remember too that you’re not alone: victims reported more than 601,000 scams to the ACCC in 2023, together losing a staggering $2.74 billion. People of all ages, professions, and backgrounds have been affected. As hard as it may be, try to leave emotion aside and approach this like any other money matter – logically and methodically. Doing so will help you act faster and more decisively, which is crucial to your financial recovery. The following checklist will help you through this process: <ul> <li>Step 1 – Try to recoup your stolen money</li> </ul> Report the scam immediately. Contact your bank or card provider to stop the transaction being processed. Notify the company or marketplace where it occurred – they may have options to reverse the payment or for you to claim compensation for fraud. Also inform the ACCC’s Scamwatch and police if relevant, which may aid in tracking down the scammer and will help them alert the wider public on what to look out for. Unfortunately, the money is likely gone for good, but prompt action may just help you get some or all of it back. <ul> <li>Step 2 – Secure your accounts from further thefts</li> </ul> Once scammers have found a way to steal money, they often go back to try for more. Don’t let them! Freeze or cancel affected debit and credit cards, accounts etc. Change and strengthen all your passwords. Set up two-factor authentication if you haven’t already. Remove any suspicious applications on electronic devices. Double check the registrations of any business, adviser or tradesperson before engaging their services. Regularly check your superannuation, investments etc. to monitor for any inconsistencies. <ul> <li>Step 3 – Safeguard your cash flow</li> </ul> Don’t multiplying your losses by racking up new debts to cover the stolen money. That means limiting the use of credit cards, payday lenders and Buy Now, Pay Later schemes. Consider paying with cash instead to help you stick to a budget. If you have lost everything, register with Centrelink for income support. You may also be able to apply for hardship provisions with your bank, phone and energy providers and other essential services. <ul> <li>Step 4 – Get reputable advice</li> </ul> Legal advice may be able to get you out of bogus contracts, like loans or phone plans, and help you in the event your personal information has been stolen (which can be used in various ways to steal money). If you can’t afford a lawyer, there are free alternatives such as Legal Aid or Community Legal Centres. Specialist services such as the Women’s Legal Service may offer support where partner coercion or domestic abuse is involved. Accounting and financial advice may also help you navigate assistance options and longer term recovery efforts. <ul> <li>Step 5 – Rebuild your finances</li> </ul> Your ability to rebuild your finances after a scam will depend on a range of factors, including how much was lost plus your age and circumstances. You could seek to increase your earnings and/or cut your spending by tweaking your household budget, delaying retirement, or temporarily taking a second job to boost your income. Another option is to make your remaining finances work harder than before, such as adjusting your investment strategies (e.g. changing your risk weightings or selling assets) including within your superannuation or accessing equity in your home. If you’re a self-funded retiree, you may now qualify for a part or full pension if your scam losses push your total assets below the means test threshold. Ultimately, the most important things when dealing with the fallout from a scam is to look after yourself and protect what you have left. Scammers have already taken off with your dollars. Don’t let them steal your sense too! Helen Baker is a licensed Australian financial adviser and author of On Your Own Two Feet: The Essential Guide to Financial Independence for all Women. Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a href="http://www.onyourowntwofeet.com.au/">www.onyourowntwofeet.com.au</a> Disclaimer: The information in this article is of a general nature only and does not constitute personal financial or product advice. Any opinions or views expressed are those of the authors and do not represent those of people, institutions or organisations the owner may be associated with in a professional or personal capacity unless explicitly stated. Helen Baker is an authorised representative of BPW Partners Pty Ltd AFSL 548754. Image credits: Shutterstock

Money & Banking

"A true fighter": Tragic loss to Australian media

Trailblazing journalist and editor Judith Whelan has passed away at the age of 63. The ABC confirmed Whelan's death, saying she died on Wednesday after a long battle with cancer. ABC managing director David Anderson was among the first to pay tribute to the “loved and respected” Whelan, confirming her death. “We have lost a great friend and journalism has lost a true fighter,” <a href="https://www.abc.net.au/about/media-centre/statements-and-responses/judith-whelan-announcement/104027286?utm_content=link&utm_medium=content_shared" target="_blank" rel="noopener">he said in a statement</a> released by the public broadcaster. “Judith always had the instincts that made her such a formidable journalist. She carried with her a commitment to truth and accountability and instilled these values in those who worked with her." “A valued mentor to younger journalists, Judith nurtured while leading by example. Judith was tough but caring and wanted those around her to succeed. Young reporters knew Judith would champion their work if the story needed to be told.” Sydney Morning Herald editor Bevan Shields said Whelan will always remain a beloved part of their team. “Judith was a wonderful editor, colleague and friend. She was at the Herald for more than three decades and remains part of our DNA. We are heartbroken by her death,” he told the Herald. “She had a finely tuned news radar but also revelled in journalism that could entertain and inform readers. She was a natural leader and a beautiful person. Our thoughts are with Chris, Sophia and Patrick.” Whelan first joined the ABC in 2016, where she was first appointed Director of Regional and Local News before taking the role of ABC editorial director in 2022. Prior to her work at the public broadcaster, Whelan worked for several other publications, including Sydney Morning Herald, where she also served as news director and editor of its weekend edition. The talented media executive was one of just three female editors in the SMH’s history. Well respected in her field, Whelan’s career also saw her stationed in both the Pacific and Europe as a foreign correspondent, and she was also nominated for a Walkley Award for her news and feature writing. Image credits: ABC

Caring

Is social media making you unhappy? The answer is not so simple

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/melissa-humphries-584274">Melissa Humphries</a>, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a> and <a href="https://theconversation.com/profiles/lewis-mitchell-266859">Lewis Mitchell</a>, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a> You may have seen headlines that link social media to sadness and depression. Social media use goes up, happiness goes down. But recent studies suggest those findings might not be so straightforward. Although it is true that people’s feelings of envy and depression are linked to high social media use, there is evidence to suggest social media use may not be causing that relationship. Instead, your mindset may be the biggest thing affecting how social media connects to your wellbeing. People who feel they are able to use social media, rather than social media “using them”, tend to gain more benefits from their online interactions. <h2>Why do people use social media?</h2> Social media covers a broad range of platforms: social networking, discussion forums, bookmarking and sharing content, disseminating news, exchanging media like photos and videos, and microblogging. These appeal to a wide range of users, from individuals of all ages through to massive businesses. For some, social media is a way to connect with people we may not otherwise see. In the United States, 39% of people say they <a href="https://www.americansurveycenter.org/research/the-state-of-american-friendship-change-challenges-and-loss">are friends with people they only interact with online</a>. For older people, this is especially important for increasing feelings of connectedness and wellbeing. Interestingly though, for older people, <a href="https://www.sciencedirect.com/science/article/pii/S0747563223004545">social media contact with family does not increase happiness</a>. Meanwhile, younger adults report increased happiness when they have more social media contact with family members. Teens, in particular, find social media most useful for <a href="https://www.pewresearch.org/internet/2022/11/16/connection-creativity-and-drama-teen-life-on-social-media-in-2022/">deepening connections and building their social networks</a>. With social media clearly playing such an important role in society, many researchers have tried to figure out: does it make us happier or not? <h2>Does social media make us happier?</h2> Studies have taken a variety of approaches, including asking people directly through surveys or looking at the content people post and seeing how positive or negative it is. One survey study from 2023 showed that as individuals’ social media use increased, <a href="https://www.researchgate.net/publication/372582895_The_Relationship_Between_Social_Media_Addiction_Happiness_and_Life_Satisfaction_in_Adults_Analysis_with_Machine_Learning_Approach">life satisfaction and happiness decreased</a>. Another found that <a href="https://www.tandfonline.com/doi/full/10.1080/0144929X.2023.2286529">less time on social media</a> was related to increases in work satisfaction, work engagement and positive mental health – so improved mental health and motivation at work. Comparing yourself to others on social media is connected to feelings of envy and depression. However, <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC9955439/">there is evidence</a> to suggest depression is the predictor, rather than the outcome, of both social comparison and envy. All this shows <a href="https://academic.oup.com/jcmc/article/29/1/zmad048/7612379?login=false">the way you feel about social media matters</a>. People who see themselves using social media rather than “being used” by it, tend to gain benefits from social media and not experience the harms. Interviews with young people (15–24 years) using social media suggest that positive mental health among that age group was influenced by <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8933808/">three features</a>: <ul> <li>connection with friends and their global community</li> <li>engagement with social media content</li> <li>the value of social media as an outlet for expression.</li> </ul> There are also studies that look at the emotions expressed by more frequent social media users. The so-called “<a href="https://epjdatascience.springeropen.com/articles/10.1140/epjds/s13688-017-0100-1">happiness paradox</a>” shows that most people think their friends on social media appear happier than themselves. This is a <a href="https://dl.acm.org/doi/10.1145/3110025.3110027">seeming impossibility</a> that arises because of <a href="https://www.nature.com/articles/srep04603">the mathematical properties</a> of how friendship networks work on social media. In one of our studies, Twitter content with recorded locations showed residents of cities in the United States that <a href="https://journals.plos.org/plosone/article/figure?id=10.1371/journal.pone.0064417.g007">tweeted more tended to express less happiness</a>. On the other hand, in Instagram direct messages, happiness has been found to be <a href="https://journals.sagepub.com/doi/full/10.1177/20563051241229655">four times more prevalent than sadness</a>. <h2>How does internet use in general affect our wellbeing?</h2> Some of the factors associated with decreased mental health are not aligned with social media use alone. <a href="https://journals.sagepub.com/doi/full/10.1177/0963721419838244">One recent study</a> shows that the path to decreased wellbeing is, at least partially, connected to digital media use overall (rather than social media use specifically). This can be due to sleep disruption, reduced face-to-face social interaction or physical activity, social comparison, and cyberbullying. None of these exist for social media alone. However, social media platforms are known to be driven by recommendation algorithms that may send us down “rabbit holes” of the same type of (increasingly extreme) content. This can lead to a distorted view of the world and our place in it. The important point here is to maintain a diverse and balanced information diet online. Interestingly, interacting on social media is not the only thing affecting our mental state. <a href="https://journals.plos.org/plosone/article?id=10.1371/journal.pone.0090315">Rainfall influnces</a> the emotional content of social media posts of both the user experiencing rain, and parts of their extended network (even if they don’t experience rain!). This suggests that how we feel is influenced by the emotions in the posts we see. The good news is that happy posts are the most influential, with each happy post encouraging close to two additional happy updates from a user’s friends. The secret to online happiness therefore may not be to “delete your account” entirely (which, <a href="https://www.nature.com/articles/s41562-018-0510-5">as we have found</a>, may not even be effective), but to be mindful about what you consume online. And if you feel like social media is starting to use you, it might be time to change it up a bit.<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/232490/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/melissa-humphries-584274">Melissa Humphries</a>, Senior Lecturer, School of Computer and Mathematical Sciences, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a> and <a href="https://theconversation.com/profiles/lewis-mitchell-266859">Lewis Mitchell</a>, Professor of Data Science, <a href="https://theconversation.com/institutions/university-of-adelaide-1119">University of Adelaide</a> Image credits: Shutterstock 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/is-social-media-making-you-unhappy-the-answer-is-not-so-simple-232490">original article</a>. </div>

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Is social media making you unhappy? The answer is not so simple

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