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Are young people smarter than older adults? My research shows cognitive differences between generations are diminishing

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/stephen-badham-1531316">Stephen Badham</a>, <a href="https://theconversation.com/institutions/nottingham-trent-university-1338">Nottingham Trent University</a></em></p> <p>We often assume young people are smarter, or at least quicker, than older people. For example, we’ve all heard that scientists, and even more so mathematicians, <a href="https://www.forbes.com/sites/nextavenue/2014/08/07/who-says-scientists-peak-by-age-50/">carry out their most important work</a> when they’re comparatively young.</p> <p>But my new research, <a href="https://www.sciencedirect.com/science/article/pii/S027322972400008X#:%7E:text=Highlights&amp;text=Three%20review%20studies%20measure%20secular,%2C%20education%2C%20and%20overall%20health.">published in Developmental Review</a>, suggests that cognitive differences between the old and young are tapering off over time. This is hugely important as stereotypes about the intelligence of people in their sixties or older may be holding them back – in the workplace and beyond.</p> <p>Cognitive ageing is often measured by comparing young adults, aged 18-30, to older adults, aged 65 and over. There are a variety of tasks that older adults do not perform well on compared to young adults, such as memory, spatial ability and speed of processing, which often form the basis of <a href="https://theconversation.com/the-iq-test-wars-why-screening-for-intelligence-is-still-so-controversial-81428">IQ tests</a>. That said, there are a few tasks that older people do better at than younger people, such as reading comprehension and vocabulary.</p> <p>Declines in cognition are driven by a process called <a href="https://www.nature.com/collections/cbjacdabdf">cognitive ageing</a>, which happens to everyone. Surprisingly, age-related cognitive deficits start very early in adulthood, and declines in cognition have been measured as dropping in adults as young as just 25.</p> <p>Often, it is only when people reach older age that these effects add up to a noticeable amount. Common complaints consist of walking into a room and forgetting why you entered, as well as difficulty remembering names and struggling to drive in the dark.</p> <h2>The trouble with comparison</h2> <p>Sometimes, comparing young adults to older adults can be misleading though. The two generations were brought up in different times, with different levels of education, healthcare and nutrition. They also lead different daily lives, with some older people having lived though a world war while the youngest generation is growing up with the internet.</p> <p>Most of these factors favour the younger generation, and this can explain a proportion of their advantage in cognitive tasks.</p> <p>Indeed, much existing research shows that <a href="https://theconversation.com/iq-tests-are-humans-getting-smarter-158837">IQ has been improving</a> globally throughout the 20th century. This means that later-born generations are more cognitively able than those born earlier. This is even found when both generations are tested in the same way at the same age.</p> <p>Currently, there is growing evidence that <a href="https://www.pnas.org/doi/10.1073/pnas.1718793115">increases in IQ are levelling off,</a> such that, in the most recent couple of decades, young adults are no more cognitively able than young adults born shortly beforehand.</p> <p>Together, these factors may underlie the current result, namely that cognitive differences between young and older adults are diminishing over time.</p> <h2>New results</h2> <p>My research began when my team started getting strange results in our lab. We found that often the age differences we were getting between young and older adults was smaller or absent, compared to prior research from early 2000s.</p> <p>This prompted me to start looking at trends in age differences across the psychological literature in this area. I uncovered a variety of data that compared young and older adults from the 1960s up to the current day. I plotted this data against year of publication, and found that age deficits have been getting smaller over the last six decades.</p> <p>Next, I assessed if the average increases in cognitive ability over time seen across all individuals was a result that also applied to older adults specifically. Many large databases exist where groups of individuals are recruited every few years to take part in the same tests. I analysed studies using these data sets to look at older adults.</p> <p>I found that, just like younger people, older adults were indeed becoming more cognitively able with each cohort. But if differences are disappearing, does that mean younger people’s improvements in cognitive ability have slowed down or that older people’s have increased?</p> <p>I analysed data from my own laboratory that I had gathered over a seven-year period to find out. Here, I was able to dissociate the performance of the young from the performance of the older. I found that each cohort of young adults was performing to a similar extent across this seven-year period, but that older adults were showing improvements in both processing speed and vocabulary scores.</p> <figure class="align-center "><img src="https://images.theconversation.com/files/591482/original/file-20240501-24-esxcic.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/591482/original/file-20240501-24-esxcic.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=600&amp;h=333&amp;fit=crop&amp;dpr=1 600w, https://images.theconversation.com/files/591482/original/file-20240501-24-esxcic.png?ixlib=rb-4.1.0&amp;q=30&amp;auto=format&amp;w=600&amp;h=333&amp;fit=crop&amp;dpr=2 1200w, https://images.theconversation.com/files/591482/original/file-20240501-24-esxcic.png?ixlib=rb-4.1.0&amp;q=15&amp;auto=format&amp;w=600&amp;h=333&amp;fit=crop&amp;dpr=3 1800w, https://images.theconversation.com/files/591482/original/file-20240501-24-esxcic.png?ixlib=rb-4.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;h=418&amp;fit=crop&amp;dpr=1 754w, https://images.theconversation.com/files/591482/original/file-20240501-24-esxcic.png?ixlib=rb-4.1.0&amp;q=30&amp;auto=format&amp;w=754&amp;h=418&amp;fit=crop&amp;dpr=2 1508w, https://images.theconversation.com/files/591482/original/file-20240501-24-esxcic.png?ixlib=rb-4.1.0&amp;q=15&amp;auto=format&amp;w=754&amp;h=418&amp;fit=crop&amp;dpr=3 2262w" alt="The figure shows data for a speed-based task where higher scores represent better performance." /><figcaption><span class="caption">The figure shows data for a speed-based task where higher scores represent better performance.</span> <span class="attribution"><a class="license" href="http://creativecommons.org/licenses/by-sa/4.0/">CC BY-SA</a></span></figcaption></figure> <p>I believe the older adults of today are benefiting from many of the factors previously most applicable to young adults. For example, the number of children who went to school <a href="https://education-uk.org/history/chapter12.html">increased significantly</a> in the 1960s – with the system being more similar to what it is today than what it was at the start of the 20th century.</p> <p>This is being reflected in that cohort’s increased scores today, now they are older adults. At the same time, young adults have hit a ceiling and are no longer improving as much with each cohort.</p> <p>It is not entirely clear why the young generations have stopped improving so much. Some research has <a href="https://doi.org/10.1016/j.intell.2016.10.002">explored maternal age, mental health and even evolutionary trends</a>. I favour the opinion that there is just a natural ceiling – a limit to how much factors such as education, nutrition and health can improve cognitive performance.</p> <p>These data have important implications for research into dementia. For example, it is possible that a modern older adult in the early stages of dementia might pass a dementia test that was designed 20 or 30 years ago for the general population at that time.</p> <p>Therefore, as older adults are performing better in general than previous generations, it may be necessary to revise definitions of dementia that depend on an individuals’ expected level of ability.</p> <p>Ultimately, we need to rethink what it means to become older. And there’s finally some good news. Ultimately, we can expect to be more cognitively able than our grandparents were when we reach their age.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/229132/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/stephen-badham-1531316">Stephen Badham</a>, Professor of Psychology, <a href="https://theconversation.com/institutions/nottingham-trent-university-1338">Nottingham Trent University</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/are-young-people-smarter-than-older-adults-my-research-shows-cognitive-differences-between-generations-are-diminishing-229132">original article</a>.</em></p> </div>

Mind

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"My heart is shattered": Girlfriend's tribute to partner killed in Mexico

<p>The girlfriend of one of the Perth brothers killed in Mexico has paid tribute to her partner, just days after the news of his tragic death broke. </p> <p>Brothers Callum and Jake Robinson were travelling in Mexico with their American friend, Jack Carter Rhoad, when they went missing. </p> <p>Days after their disappearance, their bodies were found in a well and identified by their families. </p> <p>Authorities believe all three were shot in the head in a botched robbery by thieves who wanted their ute for spare parts.</p> <p>Now, Callum's girlfriend Emily Horwath has shared a heart-breaking tribute to her partner, sharing loved up photos of the couple on Instagram.</p> <p>Horwath said her partner was “one of one”, writing, “My heart is shattered into a million pieces.”</p> <p>“I don’t have the words right now. I will love you forever.”</p> <p>Emily also shared the link to a <a href="https://www.gofundme.com/f/callum-and-jake-robinson-support-the-robinson-family?utm_campaign=p_cp+fundraiser-sidebar&amp;utm_content=anyword&amp;utm_medium=copy_link_all&amp;utm_source=customer" target="_blank" rel="noopener">GoFundMe</a> page made to support the Robinson family, which has raised almost $400,000. </p> <p>Other close friends remembered the 33-year-old as “one of the most beautiful and loving souls”.</p> <p>“This world lost one of its kindest, silliest and most genuine souls this week,” one friend said.</p> <p>“Heaven welcomed the purest, kindest angel,” another said.</p> <p>A friend of Jake paid tribute to the 30-year-old, saying, “it was an honour to have known and worked with you.”</p> <p><em>Image credits: Instagram </em></p>

Caring

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Hughesy spills the beans on major shows set to be axed

<p>Dave Hughes has shared his prediction that <em>The Masked Singer</em> is die to be axed from Network Ten's lineup this year as the network continues to battle dwindling ratings. </p> <p>The host of the show made the admission on his radio show on Tuesday, saying he hadn't been given any updates on when filming was due to commence. </p> <p>“We’ve been waiting on a production schedule. That production schedule has not come through, so as far as I know, <em>The Masked Singer </em>won’t be filmed this year for Channel 10,” Hughes said on his show Hughesy, Ed and Erin on 2DayFM.</p> <p>“We’ve had such a great time over those years, it’s been such a fun show to be on, so many great singers have been on,” he continued. “We’ve had great panels. We started with Jackie O, Dannii Minogue, [Lindsay] Lohan, then Urzila Carlson came in, we’ve got Abbie Chatfield, Chrissy Swan, Mel B. All stars in their own right."</p> <p>“It’s a tough one for the production team.”</p> <p>Later during the radio show, Hughesy and the team called Osher Günsberg to question whether <em>The Bachelor </em>was facing the same grim fate as <em>The Masked Singer</em>. </p> <p>“I tell you what, I haven’t cancelled our trip to Fiji, which is in the middle of the shooting window we normally have [for <em>The Bachelor</em>],” Günsberg, who has been host of the dating show since 2013, said.</p> <p>Osher went on to criticise Australian TV for putting British and American shows on prime time, rather than favouring homegrown talent. </p> <p>“I personally feel we really need to value our own stories, and our culture, and our own voices far more highly,” he said. “And we’ve got to do what we need to do to make that happen on our screens."</p> <p>“If we’re not going to sing our own songs and tell our own stories – we’re just going to be this weird echo of the US and the UK, and that’s not going to work out well for us.”</p> <p>Last year's season of <em>The Bachelor</em> premiered to the franchise’s lowest ratings in its decade-long history, while personalities involved with <em>The Masked Singer</em> have repeatedly said "it is a very expensive show to produce". </p> <p><em>Image credits: Ten </em></p>

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Terminal lucidity: why do loved ones with dementia sometimes ‘come back’ before death?

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/yen-ying-lim-355185">Yen Ying Lim</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a> and <a href="https://theconversation.com/profiles/diny-thomson-1519736">Diny Thomson</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a></em></p> <p>Dementia is often described as “the long goodbye”. Although the person is still alive, dementia slowly and irreversibly chips away at their memories and the qualities that make someone “them”.</p> <p>Dementia eventually takes away the person’s ability to communicate, eat and drink on their own, understand where they are, and recognise family members.</p> <p>Since as early as the <a href="https://pubmed.ncbi.nlm.nih.gov/21764150/">19th century</a>, stories from loved ones, caregivers and health-care workers have described some people with dementia suddenly becoming lucid. They have described the person engaging in meaningful conversation, sharing memories that were assumed to have been lost, making jokes, and even requesting meals.</p> <p>It is estimated <a href="https://pubmed.ncbi.nlm.nih.gov/20010032/">43% of people</a> who experience this brief lucidity die within 24 hours, and 84% within a week.</p> <p>Why does this happen?</p> <h2>Terminal lucidity or paradoxical lucidity?</h2> <p>In 2009, researchers Michael Nahm and Bruce Greyson coined the term “<a href="https://pubmed.ncbi.nlm.nih.gov/21764150/">terminal lucidity</a>”, since these lucid episodes often occurred shortly before death.</p> <p>But not all lucid episodes indicate death is imminent. <a href="https://alz-journals.onlinelibrary.wiley.com/doi/10.1002/alz.13667">One study</a> found many people with advanced dementia will show brief glimmers of their old selves more than six months before death.</p> <p>Lucidity has also been <a href="https://www.sciencedirect.com/science/article/pii/S0167494311001865?via%3Dihub">reported</a> in other conditions that affect the brain or thinking skills, such as meningitis, schizophrenia, and in people with brain tumours or who have sustained a brain injury.</p> <p>Moments of lucidity that do not necessarily indicate death are sometimes called <a href="https://alz-journals.onlinelibrary.wiley.com/doi/10.1002/alz.12579">paradoxical lucidity</a>. It is considered paradoxical as it defies the expected course of neurodegenerative diseases such as dementia.</p> <p>But it’s important to note these episodes of lucidity are temporary and sadly do not represent a reversal of neurodegenerative disease.</p> <h2>Why does terminal lucidity happen?</h2> <p>Scientists have struggled to explain why terminal lucidity happens. Some episodes of lucidity have been reported to occur in the presence of loved ones. Others have reported that <a href="https://psywb.springeropen.com/articles/10.1186/s13612-014-0024-5">music can sometimes improve lucidity</a>. But many episodes of lucidity do not have a distinct trigger.</p> <p><a href="https://www.sciencedirect.com/science/article/pii/S0300957223002162">A research team from New York University</a> speculated that changes in brain activity before death may cause terminal lucidity. But this doesn’t fully explain why people suddenly recover abilities that were assumed to be lost.</p> <p>Paradoxical and terminal lucidity are also very difficult to study. Not everyone with advanced dementia will experience episodes of lucidity before death. Lucid episodes are also unpredictable and typically occur without a particular trigger.</p> <p>And as terminal lucidity can be a joyous time for those who witness the episode, it would be unethical for scientists to use that time to conduct their research. At the time of death, it’s also difficult for scientists to interview caregivers about any lucid moments that may have occurred.</p> <p>Explanations for terminal lucidity extend beyond science. These moments of mental clarity may be a way for the dying person to say final goodbyes, gain closure before death, and reconnect with family and friends. Some believe episodes of terminal lucidity are representative of the person connecting with an afterlife.</p> <h2>Why is it important to know about terminal lucidity?</h2> <p>People can have a variety of reactions to seeing terminal lucidity in a person with advanced dementia. While some will experience it as being peaceful and bittersweet, others may find it deeply confusing and upsetting. There may also be an urge to modify care plans and request lifesaving measures for the dying person.</p> <p>Being aware of terminal lucidity can help loved ones understand it is part of the dying process, acknowledge the person with dementia will not recover, and allow them to make the most of the time they have with the lucid person.</p> <p>For those who witness it, terminal lucidity can be a final, precious opportunity to reconnect with the person that existed before dementia took hold and the “long goodbye” began.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/202342/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/yen-ying-lim-355185"><em>Yen Ying Lim</em></a><em>, Associate Professor, Turner Institute for Brain and Mental Health, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a> and <a href="https://theconversation.com/profiles/diny-thomson-1519736">Diny Thomson</a>, PhD (Clinical Neuropsychology) Candidate and Provisional Psychologist, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/terminal-lucidity-why-do-loved-ones-with-dementia-sometimes-come-back-before-death-202342">original article</a>.</em></p> </div>

Mind

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“Such a cowardly thing”: Police hunt after e-scooter hit-and-run on 81-year-old woman

<p>Victoria Police have released an image of a man wanted in connection to an alleged attack on at 81-year-old outside the Melbourne Cricket Ground after an AFL game last Friday. </p> <p>Jessie Hatch, 81, was walking towards Jolimont Railway Station around 11pm when she was confronted by a man on an e-scooter, who told her to “move off the footpath”.</p> <p>Hatch then "explained that the footpath is not for vehicles and walked around him”, prompting the man to ride off, but he quickly turned around before allegedly hitting her from behind, causing her to fall to the ground and lose consciousness.</p> <p>According to Victoria Police, the rider allegedly did not stop to assist Hatch, and was unsuccessfully chased by a passerby.</p> <p>He was last seen heading west from the Swan Street Bridge.</p> <p>“She walked between 7-10m away and this guy’s doubled back and then smashed her from behind,” Jessie's son Ken told <a href="https://7news.com.au/news/mans-words-to-elderly-collingwood-fan-jessie-hatch-before-allegedly-hitting-her-with-e-scooter-in-mcg-hit-and-run-c-14571902" target="_blank" rel="noopener"><em>7News</em></a>.</p> <p>“Apparently she stopped breathing for 20 seconds or so, that’s what we heard.”</p> <p>Jessie is still in hospital recovering with five stitches in her hand and undergoing more tests on her spine to see if there is permanent damage.</p> <p>“Such a cowardly thing, I don’t know what would have gone into his head to do that,” Jessie told <em>7News</em> from her hospital bed.</p> <p>“Why would somebody do that? He should be ashamed of himself.”</p> <p>Police are investigating the incident, with Ken calling on the alleged perpetrator to come forward.</p> <p>“You made a mistake, you did something wrong, come forward,” he added.</p> <p>The man allegedly involved in the incident was of average height and had fair skin and a stocky build, with straight blonde/brown hair and grey/blue eyes.</p> <div> </div> <p>He was wearing thick-lensed glasses and a red jacket made of a shiny, waterproof material.</p> <p>Jessie’s story quickly gained attention around the AFL world, and Collingwood legend Peter Daicos was among those to offer his support.</p> <p>“I wanted to reach out, I heard about the incident after the game,” he said.</p> <p>“I hope you’re feeling better and I’m really looking forward to hearing that you’re back at the Collingwood games.</p> <p>“All the best from not just myself, but the boys and importantly the Collingwood Football Club. All our love, get well soon.”</p> <p><em>Image credits: 7News</em></p> <div class="hide-print ad-no-notice css-qyun7f-StyledAdUnitWrapper ezkyf1c0" style="box-sizing: border-box; caret-color: #292a33; color: #292a33; font-family: HeyWow, Montserrat, 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 15px;"> </div>

Legal

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"A Duck-Filled Platypus?!": Wheel of Fortune contestant's $10k mistake

<p>A Wheel of Fortune contestant has made a hilarious mistake that cost her  US$7250 ($10,900) with viewers blasting her on social media for not knowing the painfully obvious answer. </p> <p>During an episode of the American game show this week, Floridian contestant Kimberly Wright failed to complete the puzzle when she picked the wrong letter, according to <em>Fox News</em>. </p> <p>The puzzle board read “D U _ _ – _ _ L L E D PLATYPUS,” and Wright chose to spin the wheel which landed on the Express wedge. </p> <p>“I’m going to call an F,” she said, which elicited groans from audiences in the studio. </p> <p>Wright believed that the answer was “duck-filled platypus”, when it was “duck-billed platypus" an animal native to Australia, and many fans were in disbelief over her "painful" mistake. </p> <p>“I have never been more enraged watching wheel of fortune,” one fan wrote in response to a clip of the viral moment. </p> <p>“Oh my, that was painful. F?? She thought the platypus was filled? with what exactly?” another tweeted. </p> <p>“F***** brutal,” a third agreed. </p> <p>“Where did this lady think an F was going to go in this puzzle?" a fourth asked, while another wrote: “wheel of fortune puzzle was clearly duck-billed platypus and the lady asked for an F she’s like reverse autocorrect.”</p> <p>“A Duck-Filled Platypus!?” another chimed in. </p> <p>“Oh, I hope Red isn’t on social media. She gonna get blasted for missing that puzzle,” wrote another viewer. </p> <p><em>Image: News.com.au/ Wheel of Fortune</em></p>

TV

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Hope: A double-edged sword in the human experience

<p>Hope has long been cherished as a source of strength in times of adversity. Yet, as explored in this edited extract from his new book <em>The Human Condition</em> by author Tony Grey, this fundamental emotion is not without its complexities and potential pitfalls.</p> <p>---</p> <p>As in the host of challenges explored in <em>The Human Condition</em>, the feeling of expectation and desire for something beneficial to happen, which we call hope, is as fundamental to the human condition as the will to survive; they’re linked within the evolutionary imperative. As Cicero pointed out, “dum spiro spero” (while I breathe I hope). Hope is a rolling prayer to life as time moves on, a whisper to the soul that things will turn out all right. </p> <p>The sentiment is generally unchallenged. Why should it be? In times of trouble, we need the balm of hope. Samuel Johnson said, “Hope is a species of pleasure, and perhaps, the chief pleasure this world affords.”</p> <p>While usually positive about hope, Greek philosophers were sometimes ambivalent about it, citing its propensity, through wishful thinking, to encourage indolence or actually cause harm. In Sophocles’ play Antigone, the Chorus sings, “Hope whose wanderings are so wide is to many men a comfort, but to many a false lure of giddy desires.” Plato observes that hope breeds a confidence which can exacerbate a precondition of arrogance in the powerful, leading to serious wrongdoing. “It is among these men that we find the ones who do the greatest evils.” </p> <p>Napoleon and Hitler are examples. And so is the Japanese government responsible for the Pearl Harbour attack.  At the World War Two surrender on the deck of the USS Missouri, a Japanese general was heard to say when he looked at the sky blackened by Allied aircraft flying past and the sea bursting with warships, “How did we ever hope we could win?”</p> <p>On the other hand, Plato stressed the motivational properties of hope when directed towards a good aim. And Aristotle links hope with the virtue of megalopsychia (high-mindedness) resulting from its inspirational role.</p> <p>I have an experience of this in my family. My nephew was born to my sister with intellectual disability, and other difficulties. His condition seemed hopeless. Nevertheless, from the first, hope was my sister’s support; it gave her the energy to carry on. Through the gloom it afforded a glimpse into the future where progress beckoned. And all along she demonstrated that hope is ineluctably linked to love.</p> <p>Aided by her husband, the father, she worked day and night teaching and inspiring the boy. When old enough he went to a special needs school and gradually progressed, indefatigably supported at home. Over time his condition improved so that eventually he could take and keep a simple job, cook food, and have friends (similarly disabled), a state absolutely unforeseeable at his early stage of life. Throughout all the difficulties, frustrations and threats of despair, hope sustained my sister and guided her to the wonderful achievement of saving a human life.</p> <p>In most instances, hope is personal in the sense that something specific to the individual or those who are close is wanted. However, it can range far beyond that into areas involving others such as team sports, politics, economic activity, justice, national and tribal identity, international relations – notably war, and pandemics like Covid. Within these fields, hope calls out for the survival and well-being of humanity and its prospects for moral and material progress. Such hope embraces faith in something bigger than the individual. If human beings have a purpose, its linked to that, and its fulfillment is somehow bound up in hope.</p> <p>This approach cries out for exploring a whole array of other challenges inherent in the human condition.</p> <p><strong>ABOUT THE AUTHOR</strong></p> <p>Tony Grey is an accomplished author residing in Sydney. His latest book, <em>The Human Condition</em>, ambitiously explores the hurly burly of human existence, and is available now for purchase through Halstead Press Publishers. Tony is the founder of Pancontinental Mining, a former director of Opera Australia and the Conservatorium of Music, and a former trustee of the Art Gallery of New South Wales. Other books by Tony Grey include <em>Jabiluka</em>, <em>East Wind</em> and <em>Seven Gateways</em>. His writings have featured in the <em>Australian</em> <em>Financial Review</em>, <em>Quadrant</em> and the <em>Australian</em>. </p> <p><em>Image: Getty Images</em></p>

Mind

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Australian churches collectively raise billions of dollars a year – why aren’t they taxed?

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/dale-boccabella-15706">Dale Boccabella</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> and <a href="https://theconversation.com/profiles/ranjana-gupta-1207482">Ranjana Gupta</a>, <a href="https://theconversation.com/institutions/auckland-university-of-technology-1137">Auckland University of Technology</a></em></p> <p>There’s a good reason your local volunteer-run netball club doesn’t pay tax. In Australia, various nonprofit organisations are exempt from paying income tax, including those that do charitable work, such as churches.</p> <p>These exemptions or concessions can also extend to other taxes, including fringe benefits tax, state and local government property taxes and payroll taxes.</p> <p>The traditional justification for granting these concessions is that charitable activities benefit society. They contribute to the wellbeing of the community in a variety of non-religious ways.</p> <p>For example, charities offer welfare, health care and education services that the government would generally otherwise provide due to their obvious public benefits. The tax exemption, which allows a charity to retain all the funds it raises, provides the financial support required to relieve the government of this burden.</p> <p>The nonprofit sector is often called the third sector of society, the other two being government and for-profit businesses. But in Australia, this third sector is quite large. Some grassroots organisations have only a tiny footprint, but other nonprofits are very large. And many of these bigger entities – including some “megachurches” – run huge commercial enterprises. These are often indistinguishable from comparable business activities in the for-profit sector.</p> <p>So why doesn’t this revenue get taxed? And should we really give all nonprofits the same tax exemptions?</p> <h2>Why don’t churches pay tax?</h2> <p>The primary aim of a church is to advance or promote its religion. This itself counts as a charitable purpose under the <a href="https://www.legislation.gov.au/C2013A00100/asmade/text">2013 Charities Act</a>. However, section five of that act requires a church to have only charitable purposes – any other purposes must be incidental to or in aid of these.</p> <p>Viewed alone, the conduct of a church with an extensive commercial enterprise – which could include selling merchandise, or holding concerts and conferences – is not a charitable purpose.</p> <p>But Australian case law and <a href="https://www.acnc.gov.au/for-charities/start-charity/role-acnc-deciding-charity-status/legal-meaning-charity#:%7E:text=Taxation%20Ruling%20(TR)%202011%2F,set%20out%20in%20taxation%20rulings.">an ATO ruling</a> both support the idea that carrying on business-like activities can be incidental to or in aid of a charitable purpose. This could be the case, for example, if a large church’s commercial activities were to help give effect to its charitable purposes.</p> <p>Because of this, under Australia’s current income tax law, a church that is running a large commercial enterprise is able to retain its exemption from income tax on the profits from these activities.</p> <p>There are various public policy concerns with this. First, the lost tax revenue is likely to be significant, although the government’s annual tax expenditure statement does not currently provide an estimate of the amount of tax revenue lost.</p> <p>And second, the tax exemption may give rise to unfairness. A for-profit business competing with a church in a relevant industry may be at a competitive disadvantage – despite similar business activities, the for-profit entity pays income tax but the church does not. This competitive disadvantage may be reflected in lower prices for customers of the church business.</p> <h2>What about taxing their employees?</h2> <p>Churches that run extensive enterprises are likely to have many employees. Generally, all the normal Australian tax rules apply to the way these employees are paid – for example, employees pay income tax on these wages. Distributing profits to members would go against the usual rules of the church, and this prohibition is <a href="https://www.legislation.gov.au/C2013A00100/asmade/text">required</a> anyway for an organisation to qualify as a charity.</p> <p>Some churches may be criticised for paying their founders or leaders “excessive” wages, but these are still taxed in the same way as normal salaries.</p> <p>It’s important to consider fringe benefit tax – which employers have to pay on certain benefits they provide to employees. Aside from some qualifications, all the usual <a href="https://www.ato.gov.au/businesses-and-organisations/hiring-and-paying-your-workers/fringe-benefits-tax/how-fringe-benefits-tax-works">fringe benefit tax rules</a> apply to non-wage benefits provided to employees of a church.</p> <p>Just like their commercial (and taxable) counterparts, the payment for “luxury” travel and accommodation for church leaders and employees when on church business will not generate a fringe benefits taxable amount for the church.</p> <p>One qualification, though, is that a church is likely to be a <a href="https://www.ato.gov.au/businesses-and-organisations/hiring-and-paying-your-workers/fringe-benefits-tax/fbt-concessions-for-not-for-profit-organisations/fbt-rebatable-employers">rebatable employer</a> under the fringe benefit tax regime. This means it can obtain some tax relief on benefits provided to each employee, up to a cap.</p> <h2>We may need to rethink blanket tax exemptions for charities</h2> <p>Back in an age where nonprofits were mainly small and focused on addressing the needs of people failed by the market, the income tax exemption for such charities appeared appropriate.</p> <p>But in the modern era, some charities – including some churches – operate huge business enterprises and collect rent on extensive property holdings.</p> <p>Many are now questioning whether we should continue offering them an uncapped exemption from income tax, especially where there are questions surrounding how appropriately these profits are used.</p> <p>Debates about solutions to the problem have focused on various arguments. However, more data may be needed on the way charities apply their profits to a charitable purpose, particularly those involved in substantial commercial activities.</p> <p>An all-or-nothing rule exempting the whole charitable sector may no longer be fit for purpose if it fails to take into account the very different circumstances of different nonprofits.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/228901/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/dale-boccabella-15706"><em>Dale Boccabella</em></a><em>, Associate Professor of Taxation Law, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> and <a href="https://theconversation.com/profiles/ranjana-gupta-1207482">Ranjana Gupta</a>, Senior Lecturer Taxation, <a href="https://theconversation.com/institutions/auckland-university-of-technology-1137">Auckland University of Technology</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/australian-churches-collectively-raise-billions-of-dollars-a-year-why-arent-they-taxed-228901">original article</a>.</em></p> </div>

Money & Banking

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Tragic new details emerge over Aussie brothers missing in Mexico

<p>Authorities have recovered three bodies <span style="background-color: #ffffff; color: #202223; font-family: Montserrat, Helvetica, arial, sans-serif; font-size: 16px;">in the Baja California region of Mexico, </span><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">believed to be those of brothers Callum and Jake Robinson and their American friend who went missing while on a surfing trip. </span></p> <p><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">The Perth siblings and their American friend </span>Jack Carter Rhoad went missing last week after they failed to show up at their planned accommodations. </p> <p>Mexican Authorities believe that the brothers were attacked in a robbery gone wrong, and fought back, prompting gunfire from the alleged thieves. </p> <p>The three bodies had gunshots to the head, execution-style, and were found 10 metres down a well outside Santo Tomás about 2km away from what is believed to be the men's campsite.</p> <p>While officials are waiting for DNA results, they believe that there is a "very high probability that it is them". </p> <p>"They were in a state of decomposition. That is why we have to run the genetic tests," Baja California Attorney General Maria Elena Andrade Ramírez told <em>9News</em>.</p> <p>Police have also said that shell casings were found at the scene. </p> <p><a href="https://www.oversixty.com.au/health/caring/arrests-made-over-aussie-surfers-missing-in-mexico" target="_blank" rel="noopener">Two men and one woman</a> have been arrested in connection with the attempted robbery, after they were found in possession of methamphetamines and one of the missing men's phones.</p> <p>Ramírez also said evidence found along with the abandoned tents was linked to the three people being questioned about the missing foreigners.</p> <p> Local TV network Milenio reported that the suspects appeared to have stolen the surfers’ truck and some of its parts were found in another truck belonging to one of the suspects.</p> <p>"A working team (of investigators) is at the site where they were last seen, where tents and other evidence was found that could be linked to these three people we have under investigation," Ramírez said on Thursday.</p> <p>"There is a lot of important information that we can't make public."</p> <p>A fourth body was also found deeper down the well, but Ramirez confirmed that it had no connection to the investigation. </p> <p><em>Image: Nine</em></p>

Caring

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Nine-year-old Aussie ballet prodigy scores full New York scholarship

<p>A talented nine-year-old is heading to New York City, after scoring a full scholarship to a prestigious ballet school. </p> <p>Malcolm Doyle's dad Nick said he and his wife knew their son had a talent for dance from a young age, and could not be more proud of the international attention his dancing has garnered.</p> <p>"He's been doing really well here in Australia and since last year, there's been a bit of a focus from overseas," Nick told <em><a href="https://9now.nine.com.au/today/aussie-billy-elliot-nine-year-old-ballet-prodigy-scores-scholarship-to-prestigious-new-york-academy/4e3fdf08-3fb7-41a4-89df-eb6ee4b58095" target="_blank" rel="noopener">Today</a></em>.</p> <p>"He got brought in to do an audition for Chicago's A and A Ballet, who were doing a world broadcast for auditions and from there, we just started to get a bit of interest."</p> <p>"And then this year, we let him do the auditions for the Royal Ballet and he ended up in Hong Kong over Easter."</p> <p>From there, Nick said the American Ballet Theatre in New York got in contact and offered Malcolm a scholarship. </p> <p>Malcolm ultimately turned down the offer and signed with another NYC school, the Ellison Theatre, who offered the youngster a full ride. </p> <p>The family are currently saving up to buy flights over to the US to check out the school, with Nick saying they will do anything and everything to support their son's dream. </p> <p>"It's taking quite a bit of the funds out of my bank account, but the love he's got for dancing, you can't stop him and even if we wanted to, I mean we get home after he's had a full day of dance and he's still dancing around the house," Nick said.</p> <p>Malcolm's dad has a performing arts background and his mum is also a classically trained ballerina and teacher, so Nick said Malcolm was either going to inherit the genes or "end up having three left feet".</p> <p>"He went and saw a production by the Queensland Ballet on the weekend, which he had never seen before and he walked out with half the choreography memorised in his head and trying to reproduce it.," Nick said.</p> <p>After being dubbed "Australia's own Billy Elliot", the Today hosts asked Malcom what it is he loves so much about dancing.</p> <p>"It makes me feel really excited and it's so amazing for me, the feeling I get when I dance," Malcolm said.</p> <p><em>Image credits: Today  </em></p>

Music

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Home and Away star's secret split

<p>Ada Nicodemou has reportedly split from her partner Sydney businessman Adam Rigby, after eight years of dating. </p> <p>According to <em>The Daily Telegraph</em>, the actress quietly parted ways with her partner at the end of last year. </p> <p>“Everything is amicable,” a close friend of the couple told the publication. </p> <p>“They remain friends but decided to go their separate ways.”</p> <p>Nicodemou, known for her role as Leah on <em>Home and Away</em>, first met Rigby at a work event in 2016, who had no idea who she was as he never watched the iconic soap. </p> <p>The two then debuted their relationship at the Logie Awards in 2018.</p> <p>Although the actress has been protective and private about her personal life, she had previously gushed about Rigby and how he was a great stepdad to her son Johnas, who she shares with her ex-husband Chrys Xipolitas.</p> <p>“Adam and Johnas adore each other; he’s such a great stepdad and has really stepped up,” she told <em>TV Week</em> at the time. </p> <p>“For a man to come into my world and love a child as if he were his own – and love me like I’ve never been loved before – is incredibly special.”</p> <p>She had also featured Rigby on her Instagram a few times. </p> <p>News of the split comes weeks after Nicodemou's co-star and onscreen husband James Stewart split from his wife former <em>Home and Away </em>actress<em> </em>Sarah Roberts. </p> <p><em>Images: Instagram</em></p>

Relationships

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Australians lose $5,200 a minute to scammers. There’s a simple thing the government could do to reduce this. Why won’t they?

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/peter-martin-682709">Peter Martin</a>, <a href="https://theconversation.com/institutions/crawford-school-of-public-policy-australian-national-university-3292">Crawford School of Public Policy, Australian National University</a></em></p> <p>What if the government was doing everything it could to stop thieves making off with our money, except the one thing that could really work?</p> <p>That’s how it looks when it comes to <a href="https://www.scamwatch.gov.au/types-of-scams">scams</a>, which are attempts to trick us out of our funds, usually by getting us to hand over our identities or bank details or transfer funds.</p> <p>Last year we lost an astonishing <a href="https://www.accc.gov.au/media-release/scam-losses-decline-but-more-work-to-do-as-australians-lose-27-billion">A$2.74 billion</a> to scammers. That’s more than $5,200 per minute – and that’s only the scams we know about from the 601,000 Australians who made reports. Many more would have kept quiet.</p> <p>If the theft of $5,200 per minute seems over the odds for a country Australia’s size, a comparison with the United Kingdom suggests you are right. In 2022, people in the UK lost <a href="https://www.ukfinance.org.uk/system/files/2023-05/Annual%20Fraud%20Report%202023_0.pdf">£2,300</a> per minute, which is about A$4,400. The UK has two and a half times Australia’s population.</p> <p>It’s as if international scammers, using SMS, phone calls, fake invoices and fake web addresses are targeting Australia, because in other places it’s harder.</p> <p>If we want to cut Australians’ losses, it’s time to look at rules about to come into force in the UK.</p> <h2>Scams up 320% since 2020</h2> <p>The current federal government is doing a lot – <em>almost</em> everything it could. Within a year of taking office, it set up the <a href="https://www.accc.gov.au/national-anti-scam-centre">National Anti-Scam Centre</a>, which coordinates intelligence. Just this week, the centre reported that figure of $2.74 billion, which is down 13% on 2022, but up 50% on 2021 and 320% on 2020.</p> <p>It’s planning “<a href="https://treasury.gov.au/consultation/c2023-464732">mandatory industry codes</a>” for banks, telecommunication providers and digital platforms.</p> <p>But the code it is proposing for banks, set out in a <a href="https://treasury.gov.au/sites/default/files/2023-11/c2023-464732-cp.pdf">consultation paper</a> late last year, is weak when compared to overseas.</p> <h2>Banks are the gatekeepers</h2> <p>Banks matter, because they are nearly always the means by which the money is transferred. Cryptocurrency is now much less used after the banks agreed to limit payments to high risk exchanges.</p> <p>Here’s an example of the role played by banks. A woman the Consumer Action Law Centre is calling <a href="https://consumeraction.org.au/wp-content/uploads/2024/02/Joint-submission-CALC-CHOICE-ACCAN-31012024-Scams-Mandatory-code-treasury-consultA.pdf">Amelia</a> tried to sell a breast pump on Gumtree.</p> <p>The buyer asked for her bank card number and a one-time PIN and used the code to whisk out $9,100, which was sent overseas. The bank wouldn’t help because she had provided the one-time PIN.</p> <p>Here’s another. A woman the Competition and Consumer Commission is calling <a href="https://www.accc.gov.au/system/files/Targeting%20scams%202022.pdf">Niamh</a> was contacted by someone using the National Australia Bank’s SMS ID. Niamh was told her account was compromised and talked through how to transfer $300,000 to a “secure” account.</p> <p>After she had done it, the scammer told her it was a scam, laughed and said “we are in Brisbane, come find me”.</p> <h2>How bank rules protect scammers</h2> <p>And one more example. Former University of Melbourne academic <a href="https://www.researchgate.net/publication/377766055_Scams_Blaming_the_Victims">Kim Sawyer</a> (that’s his real name, he is prepared to go public) clicked on an ad for “St George Capital” displaying the dragon logo of St. George Bank.</p> <p>He was called back by a man using the name of a real St. George employee, who persuaded him to transfer funds from accounts at the AMP, Citibank and Macquarie to accounts he was told would be in his and his wife’s name at Westpac, ANZ, the Commonwealth and Bendigo Banks.</p> <p>They lost <a href="https://www.afr.com/wealth/personal-finance/i-lost-2-5m-of-my-super-to-scammers-20240423-p5flzp">$2.5 million</a>. Sawyer says none of the banks – those that sent the funds or those that received them – would help him. Some cited “<a href="https://www.choice.com.au/money/financial-planning-and-investing/stock-market-investing/articles/st-george-capital-investment-scam">privacy</a>” reasons.</p> <p>The Consumer Action Law Centre says the banks that transfer the scammed funds routinely tell their customers “it’s nothing to do with us, you transferred the money, we can’t help you”. The banks receiving the funds routinely say “you’re not our customer, we can’t help you”.</p> <p>That’s here. Not in the UK.</p> <h2>UK bank customers get a better deal</h2> <p>In Australia in 2022, only <a href="https://download.asic.gov.au/media/mbhoz0pc/rep761-published-20-april-2023.pdf">13%</a> of attempted scam payments were stopped by banks before they took place. Once scammed, only 2% to 5% of losses (depending on the bank) were reimbursed or compensated.</p> <p>In <a href="https://www.psr.org.uk/information-for-consumers/app-fraud-performance-data/">the UK</a>, the top four banks pay out 49% to 73%.</p> <p>And they are about to pay out much more. From October 2024, reimbursement will be compulsory. Where authorised fast payments are made “because of deception by fraudsters”, the banks will have to reimburse <a href="https://www.thomsonreuters.com/en-us/posts/investigation-fraud-and-risk/app-fraud-uk">the lot</a>.</p> <p>Normally the bills will be split <a href="https://www.psr.org.uk/news-and-updates/latest-news/news/psr-confirms-new-requirements-for-app-fraud-reimbursement/">50:50</a> between the bank transferring the funds and the bank receiving them. Unless there’s a need for further investigations, the payments must be made within five days.</p> <p>The <a href="https://www.psr.org.uk/media/as3a0xan/sr1-consumer-standard-of-caution-guidance-dec-2023.pdf">only exceptions</a> are where the consumer seeking reimbursement has acted fraudulently or with gross negligence.</p> <p>The idea behind the change – pushed through by the Conservative government now led by UK Prime Minister Rishi Sunak – is that if scams are the banks’ problem, if they are costing them millions at a time, they’ll stop them.</p> <p><a href="https://www.thepost.co.nz/business/350197309/banks-given-fraud-ultimatum">New Zealand</a> is looking at doing the same thing, <a href="https://www.biocatch.com/blog/mas-shared-responsibility-fraud-losses">as is Singapore</a>.</p> <p>But here, the treasury’s discussion paper on its mandatory codes mentions reimbursement <a href="https://treasury.gov.au/sites/default/files/2023-11/c2023-464732-cp.pdf">only once</a>. That’s when it talks about what’s happening in the UK. Neither treasury nor the relevant federal minister is proposing it here.</p> <h2>Australia’s approach is softer</h2> <p>Assistant Treasurer Stephen Jones is in charge of Australia’s rules.</p> <p>Asked why he wasn’t pushing for compulsory reimbursement here, Jones said on Monday <a href="https://ministers.treasury.gov.au/ministers/stephen-jones-2022/transcripts/interview-mark-gibson-abc-perth">prevention was better</a>.</p> <blockquote> <p>I think a simplistic approach of just saying, ‘Oh, well, if any loss, if anyone incurs a loss, then the bank always pay’, won’t work. It’ll just make Australia a honeypot for these international crime gangs, because they’ll say, well, ‘Let’s, you know, focus all of our activity on Australia because it’s a victimless crime if banks always pay’.</p> </blockquote> <p>Telling banks to pay would certainly focus the minds of the banks, in the way they are about to be focused in the UK.</p> <p>The <a href="https://www.ausbanking.org.au/submissions/">Australian Banking Association</a> hasn’t published its submission to the treasury review, but the <a href="https://consumeraction.org.au/scams-mandatory-industry-codes-consultation-paper/">Consumer Action Law Centre</a> has.</p> <p>It says if banks had to reimburse money lost, they’d have more of a reason to keep it safe.</p> <p>In the UK, they are about to find out. If Jones is right, it might be about to become a honeypot for scammers. If he is wrong, his government will leave Australia even further behind when it comes to scams – leaving us thousands more dollars behind per day.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/228867/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/peter-martin-682709">Peter Martin</a>, Visiting Fellow, <a href="https://theconversation.com/institutions/crawford-school-of-public-policy-australian-national-university-3292">Crawford School of Public Policy, Australian National University</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/australians-lose-5-200-a-minute-to-scammers-theres-a-simple-thing-the-government-could-do-to-reduce-this-why-wont-they-228867">original article</a>.</em></p> </div>

Money & Banking

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Why millions of Aussies are falling behind on superannuation savings

<p>Millions of Aussies are falling behind on their superannuation savings, with nearly one in two Australians on track for a grim retirement. </p> <p>According to research from superannuation and investments company Vanguard, this huge number of Australians have no idea how much they are playing in fees to their super funds, which can greatly impact how much you have in savings when your retirement day comes. </p> <p>“We are coming up against a stubborn statistic in our retirement research again this year — almost one in two Australians still don’t know what they pay in super fees,” Vanguard Investments Australia managing director Daniel Shrimski said.</p> <p>Also adding to the confusion of how much is needed for comfortable gold year is different companies sharing conflicting numbers on what figures to strive for in your superannuation.</p> <p>Superannuation consultancy company Australian Retirement Trust’s latest research shows the average superannuation balance for someone age 35 to 44 is $92,700, however this should be closer to $156,000 to be on track for a “comfortable retirement”.</p> <p>The average worker aged 55 to 64 has $285,900 in super but a 60-year-old needs close to $453,000 in retirement savings, ART said.</p> <p>“In the past 12 months, only one in five of us has checked our super balance,” Australian Retirement Trust executive general manager Anne Fuchs said, adding 70 per cent of Australians feel they don’t have enough money to retire on.</p> <p>“We talk to members all the time who have reached the end of their working life full of regret, wishing they had done something earlier. Australia has a monster problem whereby not enough of us are engaging with our super."</p> <p>“The earlier you start paying attention and understanding how your money is invested ... then you’ll really be able to finish work and put your feet up.”</p> <p>Financial consultancy Link Wealth director and financial adviser Joshua Lee told <a href="https://7news.com.au/news/new-research-shows-aussie-superannuation-savings-falling-short-of-retirement-needs--c-14507773" target="_blank" rel="noopener"><em>7News</em></a> that one of the most important tips for Australians is to take notice and understand their superannuation payments and what they pay in fees.</p> <p>“Take notice of what your account is doing,” he said.</p> <p>“Look at your statement when it comes in every year so you can understand what fees are being deducted from your account because that will have an impact on how much money you have come retirement.”</p> <p><em>Image credits: Shutterstock </em></p>

Retirement Life

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Why are adults without kids hooked on Bluey? And should we still be calling it a ‘kids’ show’?

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/jessica-balanzategui-814024">Jessica Balanzategui</a>, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a> and <a href="https://theconversation.com/profiles/djoymi-baker-1269345">Djoymi Baker</a>, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a></em></p> <p>“Bluey mania” shows no sign of abating. Bluey’s season finale, The Sign, was the <a href="https://tvtonight.com.au/2024/04/the-sign-breaks-abc-iview-records.html">most viewed ABC program</a> of all time on iView.</p> <p>A “hidden” follow-up episode, aptly named The Surprise, created a storm of <a href="https://www.dailymail.co.uk/tvshowbiz/article-13338251/Bluey-fans-wild-mystery-ending-surprise-episode-meaning.html">headlines</a> around the world, many of which <a href="https://mashable.com/article/bluey-surprise-baby-who-is-the-father">have a decidedly adult tone</a>.</p> <p>As highlighted in social media fan communities <a href="https://www.washingtonpost.com/arts-entertainment/2023/02/08/bluey-adult-fandom-tiktok/">and</a> <a href="https://gizmodo.com/bluey-disney-plus-bbc-australian-animation-adult-fans-1850426890">articles</a>, the show has struck a chord with adults, many of whom aren’t parents. What do they get from a show that is ostensibly “for kids”?</p> <h2>Parents love Bluey (sometimes more than kids)</h2> <p>Our <a href="https://www.infrastructure.gov.au/sites/default/files/documents/pfpp--australian-children%27s-television-cultures-actc.pdf">research</a> with <a href="https://www.google.com/url?sa=t&amp;rct=j&amp;q=&amp;esrc=s&amp;source=web&amp;cd=&amp;cad=rja&amp;uact=8&amp;ved=2ahUKEwiDjeXNluuFAxW2bmwGHf2aDvoQFnoECA8QAQ&amp;url=https%3A%2F%2Fwww.aph.gov.au%2FDocumentStore.ashx%3Fid%3Dec6900b5-42b0-4c3d-b200-5c05ae895fec%26subId%3D751969&amp;usg=AOvVaw2BpyYjP_6i62kXdJqyrplx&amp;cshid=1714522763110954&amp;opi=89978449">children aged 7-9</a> and their parents provides evidence of how enraptured adults are by Bluey. Our findings also suggest it’s the parents who often drive household Bluey obsessions.</p> <p>As one mum told us: "If we could tell the Australian TV gods something that we’d like to have on Australian TV, it would be more Bluey, don’t get rid of Bluey. […] Bluey is loved by mums a lot."</p> <p>Another explained how the show provided learning for parents: "It’s the gentle parenting, kindness, empathy for the children, the humour […] And helping kids [and] families work through real life situations with kindness and compassion."</p> <p>When one eight-year-old and his mum told us about their favourite shows, the following exchange took place:</p> <blockquote> <p><strong>Mum:</strong>: What about Bluey? <br /><strong>Son</strong>: I sometimes [watch it]… <br /><strong>Mum</strong>: You don’t want to say. He doesn’t want to say he watches Bluey. Bluey’s fantastic. <br /><strong>Son</strong>: I sometimes- <br /><strong>Mum</strong>: He wants to be a big boy. […] Everyone in this room probably loves Bluey. It’s not just for kids. <br /><strong>Son</strong>: Enough about that.</p> </blockquote> <p>Beyond families, Bluey has also attracted teen and adult fans without kids – in part thanks to a <a href="https://www.washingtonpost.com/arts-entertainment/2023/02/08/bluey-adult-fandom-tiktok/">vibrant TikTok community</a> (aka <a href="https://www.tiktok.com/search?lang=en&amp;q=blueytok&amp;t=1714526488575">#blueytok</a>). While some commentary suggests this adult fandom <a href="https://slate.com/culture/2024/04/bluey-the-sign-episode-ending-parents-adults-kids-disney-plus.html">is “weird”</a>, Bluey is only the latest in a long line of “children’s” shows with a passionate adult fanbase.</p> <h2>Shifting barriers in television</h2> <p>The distinction between “children’s” and “adult” television has long been crucial to our cultural understandings of what separates a child from an adult.</p> <p>In the 1950s, <a href="https://journals.sagepub.com/doi/10.1177/1749602020911359">academics were concerned</a> children were watching TV content that was too mature for them, turning them into “adultised children”, and that adults watching kids’ shows were becoming “infantile adults”.</p> <p>The industry took note. In 1957, a reduction in children’s TV production in the United States made space for so-called “kidult” shows designed for both age groups.</p> <p>Since then, the boundaries between children’s and adult television have continually shifted. In television’s early days, science fiction was associated with child audiences (which is why many initially assumed Star Trek was <a href="https://www.bloomsbury.com/au/to-boldly-go-9781838609733/">a kids’ show</a>).</p> <p>These boundaries were also influenced by television scheduling. Warner Bros’ early animation shorts were initially all-ages theatrical releases, but in 1960 were packaged into the Bugs Bunny Show – pitched for kids and aired on Saturday mornings. As a result, by 1967 animation was considered <a href="https://web.mit.edu/sp.778/www/Documents/From_Saturday_morning_to_---elevision_cartoons.pdf">kids’ fare</a>.</p> <p>The boundaries shifted again in the 1980s as adult Japanese anime such as Akira (1988) became popular in the West.</p> <p>In 1989, The Simpsons debuted on TV. Our research reveals even today there is confusion regarding the show’s suitability for young children. Some of our seven-to-nine-year-old participants described secretly watching it without their parents’ knowledge.</p> <h2>Childhood healing</h2> <p>Bluey’s adult appeal is credited to the show’s playful <a href="https://www.forbes.com/sites/paultassi/2024/04/14/disneys-giant-new-bluey-episode-the-sign-is-making-parents-cry/?sh=3c4a664f6234">yet emotionally complex</a> content. One reason adults tune into today’s kids’ TV is because it’s far more diverse than the shows they could access growing up.</p> <p>Take 19-year-old Bluey fan <a href="https://www.wired.com/story/bluey-internet-fandom/">Darby Rose</a>, who points to an episode in which a Jack Russell terrier has ADHD. “As a neurodivergent person myself, this representation makes me ecstatic,” Rose says. This is also true of many teen programs, with the queer-friendly high-school romance Heartstopper attracting a large <a href="https://time.com/6301556/heartstopper-netflix-season-2-fans/">adult following</a>.</p> <p>It’s not just <a href="https://theconversation.com/beyond-bluey-why-adults-love-re-watching-australian-kids-tv-from-their-childhoods-169727">childhood nostalgia</a> that drives adults to kids’ shows (although <a href="https://www.reddit.com/r/bluey/comments/x1xgf9/what_trips_down_memory_lane_and_nostalgia_does/">this is one aspect</a>). Watching kids’ shows can be self-affirming for adults who missed out on seeing their identity onscreen growing up. Some adult fans <a href="https://www.huffpost.com/entry/bluey-adults_n_65e774c1e4b0f9d26cac99a7">even say</a> Bluey has helped them heal childhood wounds.</p> <h2>Children’s television meets adult fan cultures</h2> <p>Watching “adult” television enables kids to feel more grown-up. Conversely, adults can watch children’s television to embrace aspects of their personality they feel social pressure to repress.</p> <p>The latter is often the case for “Bronies” (a portmanteau for “bro” and “pony”): adult male fans of the animated kids’ show My Little Pony: Friendship is Magic (2010-20). The community has attracted much <a href="https://www.mirror.co.uk/tv/tv-previews/military-men-obsessed-little-pony-6498303">controversy</a>. But <a href="https://researchportal.tuni.fi/en/publications/its-ok-to-be-joyful-my-little-pony-and-brony-masculinity">research</a> has found the reasons behind being a Brony aren’t suspicious or bizarre, but are empowering in unexpected ways.</p> <p>As Bronies themselves have explained, the fandom allows them to rethink what masculinity means to them, with the support of other fans online and at events such as <a href="https://www.npr.org/2019/08/14/750595032/the-friends-we-made-along-the-way-after-9-years-bronycon-calls-it-quits">BronyCon</a>.</p> <p>Why can’t “manliness” include watching a cute show about ponies with friendship at its heart?</p> <h2>The changing nature of children’s television</h2> <p>The rise of streaming has led to yet another shift. On-demand viewing means freedom from the constraints of TV scheduling, which historically set the terms for “child” and “adult” viewing.</p> <p>As <a href="https://www.routledge.com/Netflix-Dark-Fantastic-Genres-and-Intergenerational-Viewing-Family-Watch-Together-TV/Baker-Balanzategui-Sandars/p/book/9781032121895">our book details</a>, Netflix has invested in the expansion of cultural expectations around what makes “child-appropriate” television.</p> <p>Netflix’s mega hit Stranger Things deliberately pushes at these boundaries to attract a wide audience, from children and teens, to families, to adults without kids. As co-creator <a href="https://www.empireonline.com/movies/features/stranger-things-duffer-brothers-share-secrets-hit-show/">Matt Duffer explains</a>, the aim was to get children hooked on the show, and then later in the season “scare the shit out of them. Then the parents can get mad.”</p> <p>Parents certainly aren’t mad about their children getting hooked on Bluey. They may even be the secret to its global success: to keep the children watching, get the <em>adults</em> hooked.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/228610/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/jessica-balanzategui-814024"><em>Jessica Balanzategui</em></a><em>, Senior Lecturer in Media, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a> and <a href="https://theconversation.com/profiles/djoymi-baker-1269345">Djoymi Baker</a>, Lecturer in Media and Cinema Studies, <a href="https://theconversation.com/institutions/rmit-university-1063">RMIT University</a></em></p> <p><em>Image credits: ABC</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/why-are-adults-without-kids-hooked-on-bluey-and-should-we-still-be-calling-it-a-kids-show-228610">original article</a>.</em></p> </div>

TV

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Aussie cruising fanatics share their top cruise tips

<p dir="ltr">An Aussie couple who are dedicated to cruising have shared their top tips to keep in mind before setting sail. </p> <p dir="ltr">Marty and Jessica Ansen are about to set off on their 130th cruise and have made headlines around the world for their devotion to spending most of their lives at sea.</p> <p dir="ltr">Together they have sailed roughly 770,000 nautical miles over more than 2,300 days on board, which equates to more than six years spent at sea.</p> <p dir="ltr">The Brisbane grandparents, both 77, have just headed off on their tenth trip around the globe, which is also their 52nd consecutive cruise adventure. </p> <p dir="ltr">During all their time spent at seas, the Ansens have learned a thing or two about life onboard, and have shared their top ten tips to make time on a cruise ship as smooth sailing as possible.</p> <p dir="ltr">Their number one tip for cruise travellers is to take a backup credit or debit card, as Marty told<em> <a href="https://travel.nine.com.au/cruising/cruise-tips-couple-princess-cruises-marty-and-jessica-ansen-australia/c61281dd-c47a-41bf-b166-608b581eccdf" target="_blank" rel="noopener">9Travel</a></em>, "Replacing a lost or stolen card while overseas is not for the fainthearted."</p> <p dir="ltr">The Ansens recommend making a clear and legible copy of your passport, as consulates find it a lot easier if you can provide a copy ready to go when you disembark.</p> <p dir="ltr">After all their years at sea, Marty and Jessica are pro-packers, and recommend wearing all your heaviest clothing when you check in to better adhere to a strict weight limit. </p> <p dir="ltr">"Jessica and I have one piece of luggage, usually under 20kg," Marty said.</p> <p dir="ltr">"We also each have one bag of hand luggage. Going on board, regardless of weather, I wear my heaviest clothing."</p> <p dir="ltr">When it comes to packing, they also advise leaving your toiletries at home. </p> <p dir="ltr">"Leave consumables like shampoo, conditioner, toothpaste and any creams and potions at home as Princess (cruise line) provides basic toiletries and anything you do need can be bought at the first port," Marty said.</p> <p dir="ltr">Marty and Jessica also recommend packing all your essentials in your hand luggage, as it can often take a while for your checked bags to arrive in your cruise ship cabin. </p> <p dir="ltr">"Place all jewellery, passports, visas, medication money and credit/debit cards in your hand luggage for easy retrieval," Marty said.</p> <p dir="ltr">Marty said one thing every traveller must check before setting sail is what electrical connection is used onboard. </p> <p dir="ltr">"Check what electrical connection is used onboard and have the right adapter ready to charge your devices,' Marty said.</p> <p dir="ltr">Many ships have American and European plug points, while newer ones may have USB connections too.</p> <p dir="ltr">When it comes to bringing medications, the Ansens said you should always bring extras, as well as the required paperwork.</p> <p dir="ltr">"As an extra precaution carry copies of scripts so that if you do run out or lose your medications it will be easier to prove what you need to overseas pharmacies or doctors," Marty said.</p> <p dir="ltr">Lastly, like any overseas adventure, the Ansens said it is important to always have travel insurance, and to make copies of your policy. </p> <p dir="ltr"><em>Image credits: X (Twitter)</em></p>

Cruising

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Why this iconic view of Mt Fuji is set to be obstructed

<p>One small town in Japan is fed up with disrespectful tourists, and is set to take drastic measures to block an iconic view of My Fuji to deter travellers. </p> <p>Fujikawaguchiko, at the foot of the Yoshida Trail to Mount Fuji, has long been overrun with tourists who are hellbent on getting the perfect picture of the Japanese mountain. </p> <p>Tourists specifically flock to the Lawson convenience store to take their pictures, with the contrast between the busy neon-lit shop and the peaceful mountain behind it making for the perfect holiday snap. </p> <p>However, in recent years since Japan reopened its borders to international tourists after harsh Covid lockdowns, these tourists have had the run of the town, and locals have had enough. </p> <p>To combat the over tourism of the area and deter travellers, local officials of the town are set to erect a giant mesh barrier atop the store, blocking the picture perfect view.</p> <p>One town official said that there have been ongoing problems with tourists leaving trash and not following traffic rules, despite signs and security guards being posted to warn them.</p> <p>"It is regrettable that we had to take such measures," the official said.</p> <p>The net, which measures 2.5 meters high and 20 meters long, will be erected early next week.</p> <p>The crowds plaguing the small town, which is in Yamanashi prefecture, to the north of Fuji and about 100 kilometres west of Tokyo, is just one part of a larger over tourism issue in the whole of Japan. </p> <p>"Overtourism – and all the subsequent consequences like rubbish, rising CO2 emissions and reckless hikers – is the biggest problem facing Mount Fuji," Masatake Izumi, a Yamanashi prefectural government official, <a href="https://www.cnn.com/travel/mount-fuji-overtourism-intl-hnk/index.html">told CNN Travel</a> in 2023.</p> <p>Some locals had even nicknamed the 3,776-meter (12,388-foot) mountain, called Fuji-san in Japanese, "trash mountain."</p> <p><em>Image credits: Getty Images </em></p>

International Travel

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What just happened to Bonza? Why new budget airlines always struggle in Australia

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/ian-douglas-2932">Ian Douglas</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> and <a href="https://theconversation.com/profiles/seena-sarram-1469656">Seena Sarram</a>, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a></em></p> <p>The history of budget jet airlines in Australia is a long road <a href="https://www.smh.com.au/traveller/travel-news/grounded-five-of-australias-biggest-airline-failures-20221216-h28pzn.html">littered with broken dreams</a>. New entrants have consistently struggled to get a foothold.</p> <p>Low-cost carrier Bonza has just become the industry’s <a href="https://www.afr.com/companies/transport/bonza-flights-cancelled-as-aircraft-repossessed-20240430-p5fnjf">latest casualty</a>, entering voluntary administration on Tuesday after abruptly cancelling all flights.</p> <p>Losing the airline would be heartbreaking for the 24 regional Australian locations that were <a href="https://www.accc.gov.au/system/files/domestic-airline-competition-report-february2024_0.pdf">not connected directly</a> by any other airline. It would also mean even less competition in a heavily concentrated domestic air travel market. Over 85% of routes are operated by just <a href="https://www.accc.gov.au/system/files/domestic-airline-competition-report-february2024_0.pdf">three airline groups</a>.</p> <p>But Bonza hasn’t just fallen into this situation by chance. Strategic missteps likely played a key role from the very beginning.</p> <h2>What went wrong</h2> <p>First, running an airline is an expensive business – any cost savings airlines can find are extremely valuable.</p> <p>Bonza chose to enter the Australian market with a very small fleet of <a href="https://skybrary.aero/aircraft-family/b737-series">Boeing B737</a> jet aircraft. But these had no operating cost advantage over the B737s already flown by Qantas, Virgin and Rex. Bonza’s small fleet also lacked any scale advantage in scheduling aircraft or crew.</p> <p>Second, to sell tickets, Bonza adopted a radically different “<a href="https://flybonza.com/media/bonza-gets-wheels-up#:%7E:text=Bonza%20is%20the%20first%20airline,uniform%20including%20custom%20Bonza%20sneakers.">app first</a>” approach. The only place customers could search for and book tickets directly was the official Bonza app. But this meant potential customers using conventional search tools – such as search engines or booking websites – often couldn’t find Bonza flights.</p> <p>The fact Bonza <a href="https://www.couriermail.com.au/business/qld-business/gold-coast-airport-sweetheart-deals-raise-concern-for-bonza/news-story/5ecdfe749b7c8a636cfe740ee0359ba3">struggled</a> to gain traction on its routes to Gold Coast airport, which handles a sizeable 250,000 domestic passengers each month, underscores this issue with the company’s approach.</p> <p>And third, although it served a unique range of locations, Bonza’s flight schedule across its network was far from optimal. In some cases, routes were flown only <em>once weekly</em>, compared to much more frequent gateway city services on Rex and QantasLink.</p> <p>For European airlines like easyJet or Ryanair, less-than-daily flights to smaller tourist destinations might be viable. But these airlines have the scale and connectivity to offer customers alternative pathways across their networks. Unlike Bonza, small regional routes are not at the core of their business model.</p> <h2>Making an airline succeed</h2> <p>Bonza isn’t the first Australian budget carrier to fail, and likely won’t be the last. Why are so many new entrants doomed to fail?</p> <p>Making a jet airline succeed hinges on optimising three key factors – market scale, airport access, and geography. For would-be budget airlines, Australia offers a brutal starting ground on all three.</p> <p><strong>Market scale</strong></p> <p><a href="https://www.icao.int/sustainability/Pages/Low-Cost-Carriers.aspx">Low-cost carrier</a> and ultra low-cost carrier airlines have successfully gained strong footholds in Europe, the US, and Southeast Asia. But these markets are orders of magnitude larger than Australia.</p> <p>The US, for example, offers airlines a market of <a href="https://www.statista.com/statistics/183600/population-of-metropolitan-areas-in-the-us/">large cities across a large area</a>. New York’s population is approaching 20 million, Chicago 9.6 million, Houston 7.1 million, and Miami 6.1 million.</p> <p>The population of the European Union is close to 450 million. And if you include the UK, there are over 30 cities in Europe with populations over 1 million. Australian carriers have only a handful of cities on that scale.</p> <p>Australia lacks both the population density of Europe, and the range of secondary airports that European low-cost carriers have leveraged to access nearby markets and to drive down operating costs.</p> <p>After more than a year of operation, Bonza had only achieved an overall market share of <a href="https://www.accc.gov.au/system/files/domestic-airline-competition-report-february2024_0.pdf">about 2%</a>.</p> <p><strong>Airport access</strong></p> <p>Airport access is the next key barrier facing low-cost and ultra low-cost market entrants. The main routes between large Australian cities are all in a corridor along the east coast, and the largest flow into Sydney.</p> <p>Use of Sydney airport is heavily constrained, both by the incumbent operators who <a href="https://australianaviation.com.au/2023/07/sydney-slot-system-a-threat-to-bonza-owner-hints/">hold most of the slots</a>, and by regulations that artificially limit the flow of aircraft at peak times to just 80 movements (take-offs or landings) per hour.</p> <p>In contrast, London Heathrow, another constrained two-runway airport, delivers a capacity of <a href="https://www.caa.co.uk/media/dwfgyk53/estimating-the-congestion-premium-at-heathrow.pdf">88 movements per hour</a>.</p> <p>Completion of the new Western Sydney Airport will provide some relief from this capacity constraint. But it will not alter the fact Sydney Airport operates under an imposed constraint on operations.</p> <p><strong>Geography</strong></p> <p>Geography is the third constraint in Australia. Unlike Europe, the US, or Southeast Asia, most of our major cities are in a line on the east coast. There is no hub to connect our major cities with smaller regional points.</p> <p>Towns that are too distant for convenient rail or road links often have populations that are too small to support viable – let alone frequent – flights to the larger centres.</p> <p>Some regional routes are successfully serviced by small “<a href="https://nbaa.org/business-aviation/business-aircraft/turboprop-aircraft/">turboprop</a>” aircraft. Operating these incurs a higher cost per passenger than the passenger jets connecting the major cities. But it makes no sense to fly larger aircraft on these routes if the planes are half empty.</p> <h2>A big loss for regional Australia</h2> <p>The combination of Australia’s small population, the capacity constraints imposed on Sydney Airport, the presence of strong incumbent airlines, and our linear east coast market make new entry difficult.</p> <p>Virgin Blue occupied the space created by the collapse of Ansett. But Impulse, Tiger, Air Australia, Ozjet, and two versions of Compass were unsuccessful market entrants. Even Air New Zealand – which has the fleet, brand strength, and market access to support entering the market – chooses not to operate domestically in Australia.</p> <p>Understanding why new entrants fail offers little consolation to underserved regional towns in Australia. But given Bonza’s small footprint, capital city travellers looking for more competition on the major east coast routes will hardly notice a change.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/228995/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/ian-douglas-2932">Ian Douglas</a>, Honorary Senior Lecturer, UNSW Aviation., <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> and <a href="https://theconversation.com/profiles/seena-sarram-1469656">Seena Sarram</a>, Lawyer and Casual Academic, UNSW School of Aviation, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a></em></p> <p><em>Image credits: Bonza - PR Image</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/what-just-happened-to-bonza-why-new-budget-airlines-always-struggle-in-australia-228995">original article</a>.</em></p> </div>

Travel Trouble

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How niggling hip pain led a squash coach to life-saving cancer diagnosis

<p>Melbourne squash coach and player Malcolm McClarty had been experiencing frequent pain in his right hip area for about 12 months before he mentioned it to one of his clients, a top medical oncologist, in October last year.</p> <p>The 63-year-old father-of-three coaches Professor Niall Tebbutt at the Kooyong Lawn and Tennis Club in Melbourne. </p> <p>Despite having lost his younger sister to pancreatic cancer just months earlier, Malcolm had been brushing off the pain, thinking it was a niggling sporting injury. </p> <p>Now Malcolm credits Niall, who ordered a prostate-specific antigen test (PSA), with saving his life. </p> <p>Malcolm also coaches Weranja Ranasinghe, a urologist with the Urological Society of Australia and New Zealand (USANZ), who has been his ‘unofficial second opinion’ throughout the journey. </p> <p>Associate Professor Ranasinghe says Malcolm’s diagnosis comes as the newly-released Lancet Commission on Prostate Cancer predicts cases worldwide will double from 1.4 million to 2.9 million by 2040. </p> <p>The USANZ says although the findings are alarming, Australia is well-placed to manage the spike thanks to availability of advanced diagnostic tools, improvements in treatments and quality control registries, but it needs to be coupled with more awareness. </p> <p>“Australia is better placed than many other nations to deal with a sharp spike in prostate cancer cases, but the urgent review of guidelines can’t come soon enough,” says Associate Professor Ranasinghe.</p> <p>“Prostate cancer is not commonly understood or spoken about, particularly amongst high-risk younger men, leaving too many in the dark about their cancer risk and that can be deadly,” he added. </p> <p>“Prostate cancer is already a major cause of death and disability, and the most common form of male cancer in more than 100 countries,” says Associate Professor Ranasinghe. “It’s the most commonly diagnosed cancer in Australia with over 25,000 new cases every year, and more than 11 deaths a day.”</p> <p>Malcolm was devastated to learn his cancer was aggressive Stage Four and had spread to three spots in the pelvic bone. He also experienced other symptoms including frequent and weak-flow urinating at night. </p> <p>He will begin radiotherapy, with chemotherapy on the cards as well. But his attitude is positive; he’s hoping to live for another six to 10 years. </p> <p>Malcolm’s message for other men is simple: if you’re 50 or older, get tested for prostate cancer now. He warns waiting can lead to complex and limited treatment options. </p> <p><strong>Five Risk Factors For Prostate Cancer</strong></p> <p><strong>1.<span style="white-space: pre;"> </span>Age</strong> - the chance of developing prostate cancer increases with age.</p> <p><strong>2.<span style="white-space: pre;"> </span>Family history</strong> - if you have a first-degree male relative who developed prostate cancer, like a brother or father, your risk is higher than someone without such family history.</p> <p><strong>3.<span style="white-space: pre;"> </span>Genetics</strong> - while prostate cancer can’t be inherited, a man can inherit certain genes that increase the risk.</p> <p><strong>4.<span style="white-space: pre;"> </span>Diet</strong> - some evidence suggests that a diet high in processed meat, or foods high in fat can increase the risk of developing prostate cancer.</p> <p><strong>5.<span style="white-space: pre;"> </span>Lifestyle</strong> - environment and lifestyle can also impact your risk, e.g. a sedentary lifestyle or being exposed to chemicals. </p> <p>For more information, visit <a href="https://www.usanz.org.au/" target="_blank" rel="noopener">https://www.usanz.org.au/</a></p>

Caring

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Why don’t Australians talk about their salaries? Pay transparency and fairness go hand-in-hand

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/carol-t-kulik-150471">Carol T Kulik</a>, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a></em></p> <p>In Australia, it’s not the done thing to know – let alone ask – what our colleagues are paid. Yet, it’s easy to see how pay transparency can make pay systems fairer and more effective.</p> <p>With more information on how much certain tasks and roles are valued, employees can better understand and interpret pay differences, and advocate for themselves. When pay is weakly aligned with employee contributions, pay transparency can be embarrassing for firms.</p> <p>As the government continues to <a href="https://www.smh.com.au/business/workplace/think-your-male-colleagues-earn-more-than-you-soon-you-ll-know-for-sure-20240104-p5ev7i.html">legislate for pay transparency</a>, wise employers should move to identify – and correct – both real and perceived inequities.</p> <h2>The salary taboo</h2> <p>At one extreme, imagine that you work for California-based tech company Buffer, which develops social media tools.</p> <p>Buffer lists the salary of every company employee, in descending order, on its <a href="https://buffer.com/salaries">website</a>. Salaries are non-negotiable and all Buffer employees receive a standard pay raise each year. Prospective job applicants can use Buffer’s online <a href="https://buffer.com/salary-calculator/senior-data-engineer/intermediate">salary calculator</a> to estimate their pay.</p> <p>Does Buffer’s pay system make you cheer – “yay, no uncomfortable salary negotiations!”, or squirm – “what, my salary is on the website?”</p> <p>Most probably, both. There is a persistent social norm researchers call the <a href="https://www.sciencedirect.com/science/article/pii/S0047272723000725">salary taboo</a>. We want to know, but we don’t like to ask, and we definitely don’t want anyone to know that we’re asking.</p> <p>In Norway, an app that enabled users to <a href="https://www.aeaweb.org/articles?id=10.1257/aer.20160256">access neighbors’ tax-reported income</a> was enormously popular – but only while the user could remain anonymous.</p> <h2>The problem with not knowing</h2> <p>Historically, companies have given employees only minimal information about their pay systems, and some have even prohibited them from sharing their own pay information.</p> <p>Such non-transparency creates two big problems.</p> <p>First, managers place <a href="https://sloanreview.mit.edu/article/achieving-meritocracy-in-the-workplace/">too much trust</a> in organisational systems. The more managers become convinced that pay decisions accurately reflect employee contributions, the less diligent they become about monitoring their own personal biases. Without accountability, it’s easy for an organisation’s pay system to drift into inequity.</p> <p>Second, in the absence of comparative information, employees often suspect they are being underpaid – even if they aren’t.</p> <p>In a <a href="https://www.payscale.com/research-and-insights/fair-pay-impact/">survey</a> of over 380,000 employees by data firm Payscale, 57% of employees paid <em>at</em> the market rate and 42% of people paid <em>above</em> the market rate all believed they were being underpaid.</p> <p>However, unfounded it might be, a nagging sense of inequity can drive people out the door. Payscale estimates that people who <em>think</em> they are underpaid are 50% more likely than other employees to seek a new job in the next six months.</p> <h2>Pay transparency is trending</h2> <p>Broadly speaking, pay transparency policies see companies report their pay levels or ranges, explain their pay-setting processes, or encourage their employees to share pay information.</p> <p>Some companies voluntarily share pay information in response to workforce demand, but there’s also a trend toward mandating pay transparency.</p> <p>In Australia, pay secrecy terms are <a href="https://theconversation.com/pay-secrecy-clauses-are-now-banned-in-australia-heres-how-that-could-benefit-you-195814">banned</a> from employment contracts and the Workplace Gender Equality Agency is <a href="https://www.wgea.gov.au/about/our-legislation/publishing-employer-gender-pay-gaps">publishing employers’ gender pay gaps</a>.</p> <p>The European Union’s <a href="https://ec.europa.eu/commission/presscorner/detail/es/ip_22_7739">Pay Transparency Directive</a> already publishes gender pay gaps and requires employers to provide comparative pay data to employees upon request. Several US states and cities now require employers to <a href="https://www.govdocs.com/pay-transparency-laws/">include salary ranges</a> in their recruitment materials.</p> <h2>Pay transparency usually has positive effects</h2> <p>In equitable pay systems, pay differences align with the differential values employees bring to the business. When pay systems are transparent, it’s easy for employees to recognise when they – and their coworkers – are being appropriately rewarded for their contributions.</p> <p>Evidence is building that such transparency is often a good thing.</p> <p>For one, it can increase employee <a href="https://journals.sagepub.com/doi/10.1177/002224377801500204">performance and job satisfaction</a>. People also generally <a href="https://www.journals.uchicago.edu/doi/10.1086/717891">underestimate their bosses’ salaries</a>, so pay transparency can inspire employees to aspire to higher-paid senior positions. And pay transparency identifies staff with unique expertise, so <a href="https://psycnet.apa.org/record/2016-01521-001">employees seek help</a> from the right coworkers.</p> <p>Pay transparency has also been shown to help narrow gender pay gaps. As pay transparency rules spread across public academic institutions in the US, the pay gap between male and female academics <a href="https://www.nature.com/articles/s41562-022-01288-9">dramatically narrowed</a> (in some states, it was even eliminated).</p> <p>In Denmark, where firms are now required to provide pay statistics that compare men and women, the national gender pay gap has <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/jofi.13136">declined by 13%</a> relative to the pre-legislation average.</p> <h2>But it can still be risky</h2> <p>Every pay system has pockets of unfairness, where managers have made <a href="https://psycnet.apa.org/record/2001-01537-002">special arrangements</a> to attract or retain talent. Pay transparency exposes these exceptions, so they can be immediately explained or corrected.</p> <p>But if there are too many such pockets, managers need to brace for a productivity downturn. When pay transparency reveals systematic inequities – for example, disparities based on gender – overall organisational <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4341804">productivity declines</a>.</p> <p>Over the long run, pay transparency leads to <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/jofi.13136">flatter and narrower</a> pay distributions, but distributions can also be too flat and too narrow. Managers making pay decisions are aware that their decisions will be directly scrutinised and may <a href="https://journals.aom.org/doi/10.5465/amj.2020.1831">become reluctant</a> to assign high wages even for high performance.</p> <p>If pay <a href="https://www.nature.com/articles/s41562-022-01288-9">loses its motivating potential</a>, employees can become disheartened, especially <a href="https://onlinelibrary.wiley.com/doi/abs/10.1111/peps.12054">star performers</a>.</p> <h2>Proceed with caution</h2> <p>As stakeholders on this issue demand more transparency, employers would be wise to stay ahead of legislative moves.</p> <p>Independently making the first move is a show of good faith and can unfold in stages. A good first step is to reveal the pay ranges associated with groups of related roles, giving employers time to conduct internal audits, communicate with employees and systematically correct inequities as they surface.</p> <p>In contrast, having to reveal pay data because of a government mandate can publicly expose patterns of inequity and cause permanent damage to a company’s reputation.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/224067/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/carol-t-kulik-150471">Carol T Kulik</a>, Research Professor, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/why-dont-australians-talk-about-their-salaries-pay-transparency-and-fairness-go-hand-in-hand-224067">original article</a>.</em></p> </div>

Money & Banking

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Australians are having fewer babies and our local-born population is about to shrink: here’s why it’s not that scary

<div class="theconversation-article-body"><a href="https://theconversation.com/profiles/amanda-davies-201009">Amanda Davies</a>, <em><a href="https://theconversation.com/institutions/the-university-of-western-australia-1067">The University of Western Australia</a></em></p> <p>Australians are having fewer babies, so many fewer that without international migration our population would be on track to decline in just over a decade.</p> <p>In most circumstances, the number of babies per woman that a population needs to sustain itself – the so-called <a href="https://www.who.int/data/gho/indicator-metadata-registry/imr-details/123">total fertility rate</a> – is 2.1.</p> <p>Australia’s total fertility rate dipped below 2.1 in the late 1970s, moved back up towards it in the late 2000s (assisted in part by an improving economy, better access to childcare and the introduction of the <a href="https://theconversation.com/what-the-baby-bonus-boost-looks-like-across-ten-years-81563">Commonwealth Baby Bonus</a>), and then plunged again, hitting a low of <a href="https://www.abs.gov.au/statistics/people/population/population-projections-australia/2022-base-2071#assumptions">1.59</a> during the first year of COVID.</p> <hr /> <p><iframe id="CHdqj" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/CHdqj/3/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <p>The latest population projections from the Australian Bureau of Statistics assume the rate remains near its present 1.6% for <a href="https://www.abs.gov.au/statistics/people/population/population-projections-australia/2022-base-2071#assumptions">the next 50 years</a>.</p> <p>An alternative, lower, set of assumptions has the rate falling to 1.45 over the next five years and staying there. A higher set of assumptions has it rebounding to 1.75 and staying there.</p> <p>A comprehensive study of global fertility trends published in March in the medical journal <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(24)00550-6/fulltext#%20">The Lancet</a> has Australia’s central case at 1.45, followed by a fall to 1.33 by the end of the century.</p> <p>Significantly, none of these assumptions envisages a return to replacement rate.</p> <p>The bureau’s central projection has Australia’s population turning down from 2037 in the absence of a boost from migration.</p> <hr /> <p><iframe id="oi55c" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/oi55c/3/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <p>It’s easy to make guesses about reasons. Reliable contraception has been widely available for 50 years. Rents, mortgages and the other costs facing Australians of child-bearing age appear to be climbing. It’s still <a href="https://www.abc.net.au/news/2023-12-17/career-or-baby-michelle-battersby-pregnancy-gender-/103186296">difficult to have a career</a> if you have a child, and data show women still carry the substantive burden of <a href="https://theconversation.com/mind-the-gap-gender-differences-in-time-use-narrowing-but-slowly-191678">unpaid work around the home</a>.</p> <p>The US fertility rate has fallen <a href="https://ourworldindata.org/grapher/children-per-woman-un?tab=chart&amp;time=1950..latest&amp;country=OWID_WRL%7EUSA%7EAUS">much in line with Australia’s</a>.</p> <p>Reporting on <a href="https://theconversation.com/us-birth-rates-are-at-record-lows-even-though-the-number-of-kids-most-americans-say-they-want-has-held-steady-197270">research</a> into the reasons, Forbes Magazine succinctly said a broken economy had “<a href="https://fortune.com/2023/01/12/millennials-broken-economy-delay-children-birthrate/">screwed over</a>” Americans considering having children.</p> <p>More diplomatically, it said Americans saw parenthood as “<a href="https://fortune.com/2023/01/12/millennials-broken-economy-delay-children-birthrate/">harder to manage</a>” than they might have in the past.</p> <h2>Half the world is unable to replace itself</h2> <p>But this trend is widespread. The <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(24)00550-6/fulltext#%20">Lancet study</a> finds more than half of the world’s countries have a fertility rate below replacement level.</p> <p><a href="https://theconversation.com/chinas-population-shrinks-again-and-could-more-than-halve-heres-what-that-means-220667">China</a>, which is important for the global fertility rate because it makes up such a large share of the world’s population, had a fertility rate as high as 7.5 in the early 1960s. It fell to 2.5 before the start of China’s <a href="https://www.scmp.com/economy/china-economy/article/3135510/chinas-one-child-policy-what-was-it-and-what-impact-did-it">one-child</a> policy in the early 1990s, and then slid further from 1.8 to 1 after the policy was abandoned in 2016.</p> <hr /> <p><iframe id="idC4X" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/idC4X/3/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <p>South Korea’s fertility rate has dived further, to the world’s lowest: <a href="https://time.com/6488894/south-korea-low-fertility-rate-trend-decline/">0.72</a>.</p> <p>The fertility rate in India, which is now <a href="https://www.un.org/development/desa/dpad/publication/un-desa-policy-brief-no-153-india-overtakes-china-as-the-worlds-most-populous-country/">more populous than China</a>, has also fallen <a href="https://data.worldbank.org/indicator/SP.DYN.TFRT.IN?page=&amp;locations=IN">below replacement level</a>.</p> <p>Most of the 94 nations that continue to have above-replacement fertility rates are in North Africa, the Middle East and Sub-Saharan Africa. Some, including Samoa and Papua New Guinea, are in the Pacific.</p> <p>Most of Asia, Europe and Oceania is already below replacement rate.</p> <h2>A changing world order</h2> <p>The largest high-fertility African nation, <a href="https://www.weforum.org/agenda/2020/09/the-world-population-in-2100-by-country/">Nigeria</a>, is expected to overtake China to become the world’s second-most-populous nation by the end of the century.</p> <p>But even Nigeria’s fertility rate will sink. The Lancet projections have it sliding from 4.7 to <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(24)00550-6/fulltext#%20">1.87</a> by the end of the century.</p> <p>The differences mean the world’s population growth will increasingly take place in countries that are among the most vulnerable to environmental and economic hardship.</p> <p>Already economically disadvantaged, these nations will need to provide jobs, housing, healthcare and services for rapidly growing populations at a time when the rest of the world does not.</p> <p>On the other hand, those nations will be blessed with young people. They will be an increasingly valuable resource as other nations face the challenges of an ageing population and declining workforce.</p> <h2>An older world, then a smaller world</h2> <p>Global fertility <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(24)00550-6/fulltext">halved</a> between 1950 and 2021, shrinking from 4.84 to 2.23.</p> <p>The latest projections have it sinking below the replacement rate to somewhere between 1.59 and 2.08 by 2050, and then to between <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(24)00550-6/fulltext">1.25 and 1.96</a> by 2100.</p> <p>The world has already seen peak births and peak primary-school-aged children.</p> <p>In <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(24)00550-6/fulltext">2016</a>, the world welcomed about 142 million live babies, and since then the number born each year has fallen. By 2021, it was about 129 million.</p> <p>The global school-age population aged 6 to 11 years peaked at around 820 million in <a href="https://www.un.org/development/desa/dpad/publication/un-desa-policy-brief-no-152-population-education-and-sustainable-development-interlinkages-and-select-policy-implications/">2023</a>.</p> <p>The United Nations expects the world’s population to peak at 10.6 billion in <a href="https://www.smh.com.au/national/the-planet-s-population-will-get-to-10-4-billion-then-drop-here-s-when-we-reach-peak-human-20231213-p5er8g.html">2086</a>, after which it will begin to fall.</p> <p>Another forecast, produced as part of the impressive <a href="https://www.healthdata.org/research-analysis/gbd">Global Burden of Disease</a> study, has the peak occurring two decades earlier in <a href="https://www.thelancet.com/journals/lancet/article/PIIS0140-6736(20)30677-2/fulltext">2064</a>, with the world’s population peaking at 9.73 billion.</p> <h2>Fewer babies are a sign of success</h2> <p>In many ways, a smaller world is to be welcomed.</p> <p>The concern common <a href="https://theconversation.com/a-long-fuse-the-population-bomb-is-still-ticking-50-years-after-its-publication-96090">in the 1960s and 1970s</a> that the world’s population was growing faster and faster and the world would soon be unable to feed itself has turned out to be misplaced.</p> <p>Aside from occasional blips (China’s birth rate in the <a href="https://www.jstor.org/stable/1973601">Year of the Dragon</a>) the fertility trend in just about every nation on Earth is downwards.</p> <p>The world’s population hasn’t been growing rapidly for long. Before 1700 it grew by only about <a href="https://ourworldindata.org/population-growth-over-time">0.4% per year</a>. By 2100 it will have stabilised and started to fall, limiting the period of unusually rapid growth to four centuries.</p> <p>In an important way, lower birth rates can be seen as a sign of success. The richer a society becomes and the more it is able to look after its seniors, the less important it becomes for each couple to have children to care for them in old age. This is a long-established theory with a name: the <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4116081/">demographic transition</a>.</p> <p>For Australia, even with forecast immigration, lower fertility will mean changes.</p> <p>The government’s 2023 <a href="https://treasury.gov.au/publication/2023-intergenerational-report">Intergenerational Report</a> says that whereas there are now 3.7 Australians of traditional working age for each Australian aged 65 and over, by 2063 there will only be 2.6.</p> <p>It will mean those 2.6 people will have to work smarter, perhaps with greater assistance from artificial intelligence.</p> <p>Unless they decide to have more babies, which history suggests they won’t.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/228273/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/amanda-davies-201009"><em>Amanda Davies</em></a><em>, Professor and Head of School of Social Sciences, <a href="https://theconversation.com/institutions/the-university-of-western-australia-1067">The University of Western Australia</a></em></p> <p><em>Image credits: </em><em>Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/australians-are-having-fewer-babies-and-our-local-born-population-is-about-to-shrink-heres-why-its-not-that-scary-228273">original article</a>.</em></p> </div>

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