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Government bails out Rex Airlines

<p>The federal government is set to take on Rex Airlines' $50 million debt in order to keep the company, that collapsed on June 30th 2024, servicing regional Australia. </p> <p>Rex has been struggling to stay afloat in the six months since the company entered voluntary administration, with Ernst and Young (EY) appointed administrators, putting a strain on domestic travel to regional areas. </p> <p>Transport Minister Catherine King and Finance Minister Katy Gallagher announced on Thursday that the government would acquire some of Rex's debt to prevent liquidation, which they said would harm regional and remote communities that rely on the carrier.</p> <p>"By acquiring the debt, the government will become the principal secured creditor and will seek to become a voting member of the Committee of Inspection," the ministers said in a joint statement.</p> <p>"Whilst the accelerated initial sale process undertaken by the administrators in mid-2024 did not find a suitable buyer for the airlines' regional operations, the government continues to work closely with the administrators through the extended convening period."</p> <p>"This makes clear the government's ongoing commitment to maintaining access to aviation services for regional and remote communities, and recognises the critical role of the Rex network to local economies."</p> <p>Ernst and Young has a just few months to secure Rex's commercial future after the Federal Court late last year granted an extension of the voluntary administration to June 30th 2025. </p> <p><em>Image credits: Shutterstock</em></p>

Domestic Travel

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Superannuation is complicated. A guaranteed government income in retirement would be simpler

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/brendan-coates-154644">Brendan Coates</a>, <a href="https://theconversation.com/institutions/grattan-institute-1168">Grattan Institute</a> and <a href="https://theconversation.com/profiles/joey-moloney-1334959">Joey Moloney</a>, <a href="https://theconversation.com/institutions/grattan-institute-1168">Grattan Institute</a></em></p> <p>Having compulsory super should help create a comfortable and stress-free retirement. But Australia’s super system is too complex for retirees to navigate.</p> <p>This can leave them stressed and lacking the confidence to spend their super savings.</p> <p>Our latest report, <a href="https://grattan.edu.au/report/simpler-s%5Buper/">Simpler super: taking the stress out of retirement</a>, recommends the federal government offer all Australians a lifetime <a href="https://moneysmart.gov.au/retirement-income/annuities">annuity</a> - a financial product that pays a guaranteed income for the rest of their lives.</p> <p>This would help retirees stress less, spend more, and enjoy their retirement years.</p> <h2>Stress prompts many to underspend super</h2> <p>For the first time, many Australians are entering retirement with significant super balances: Australians are retiring with an average super balance of more than A$200,000, and couples with about $300,000.</p> <p><a href="https://grattan.edu.au/news/balancing-act/">Despite having saved enough to be comfortable</a>, four in five people say planning for retirement is complicated, and 60% don’t think their retirements will be financially stress-free.</p> <p>Few retirees draw down on their retirement savings as intended. In fact, many are actually net savers – their savings continue to grow for decades after they retire.</p> <p><a href="https://grattan.edu.au/report/simpler-super/">Our analysis</a> of the <a href="https://www.abs.gov.au/participate-survey/household-survey/survey-income-and-housing">ABS Survey of Income and Housing</a> shows for those aged 60-64 in 2003-04, average super balances had grown by 37% in real terms by the time they were aged 76-80 in 2019-20.</p> <p>And their average net wealth, which excludes the equity in their home, grew by 14% over the same period.</p> <p>Australia’s <a href="https://www.apra.gov.au/quarterly-superannuation-performance-statistics-highlights-september-2024">$4 trillion</a> compulsory superannuation system is turning into a massive inheritance scheme. That’s not how super was supposed to work.</p> <h2>Retirees are given too little guidance</h2> <p>The super system makes most big decisions for working Australians, such as how much to contribute or how it’s invested. But once we retire there is little guidance about how to use our funds.</p> <p>More than four in five retirees are steered into account-based pensions. But partly because they’re anxious not to outlive their savings, this group manages their spending very cautiously.</p> <p>While on average, an Australian woman aged 65 today can expect to live until 88, they also have a one-in-five chance of either dying before age 81 or of making it to 94.</p> <p>Half of those retirees who use an account-based pension draw their super at legislated minimum rates, which if followed, leave 65% of super balances unspent by average life expectancy.</p> <p>This widespread use of account-based pensions makes Australia a global outlier. Retirees in most rich countries are automatically given – or otherwise strongly encouraged to choose – <a href="https://www.oecd.org/en/publications/2023/12/pensions-at-a-glance-2023_4757bf20.html">an income guaranteed to last their entire lives</a>.</p> <p>Research suggests having an income that is guaranteed to last until death <a href="https://www.researchgate.net/profile/Keith-Bender/publication/23647866_What_Makes_Retirees_Happy/links/0046353578c678a403000000/What-Makes-Retirees-Happy.pdf">can reduce stress</a> and <a href="https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3875802">boost retirees’ spending</a>.</p> <h2>Government could steer retirees into annuities</h2> <p>Our report argues retirees should be encouraged to use 80% of their super balance above $250,000 to purchase an annuity.</p> <p>The government could embed this pre-set guidance throughout the retirement income system. It could be included in all relevant communications with retirees from super funds, and especially at the point of retirement.</p> <p><a href="https://researchportalplus.anu.edu.au/en/publications/default-and-naive-diversification-heuristics-in-annuity-choice">Research shows</a> that retirees tend to choose the option put in front of them.</p> <p>The remaining super balance – $250,000, plus the remaining 20% of any savings above that level – would continue to be drawn down via an account-based pension. Retirees would still have to access their super for large purchases if needed.</p> <p>Using some super to buy an annuity could boost expected retirement incomes by up to 25%, compared to solely drawing on an account-based pension at legislated minimum rates.</p> <p>And it would ensure that the bulk of retirees’ incomes, irrespective of their super balances, would be guaranteed to last the rest of their lives.</p> <hr /> <p><iframe id="TYMjG" class="tc-infographic-datawrapper" style="border: 0;" src="https://datawrapper.dwcdn.net/TYMjG/" width="100%" height="400px" frameborder="0" scrolling="no"></iframe></p> <hr /> <h2>Annuities should be provided by government, not super funds</h2> <p>But steering retirees into annuities offered via super funds is unlikely to work.</p> <p>Super funds <a href="https://www.superreview.com.au/news/superannuation/asfa-urges-against-cipr-longevity-component">have resisted</a> previous attempts by government to <a href="https://consult.treasury.gov.au/development-of-the-framework-for-comprehensive-income-products-for-retirement">require them to offer annuities to retirees</a>.</p> <p>Many people also struggle to understand and compare annuities. They often find it difficult to switch to a better deal later even if they can spot one.</p> <p>Recent <a href="https://www.fca.org.uk/publications/market-studies/retirement-income-market-study">experience in the UK</a> showed when required to purchase an annuity, most people simply took what their fund was offering and often got a poor deal.</p> <p>Designing a regulatory regime that overcomes these issues is a huge challenge. The best option, therefore, is for the government to directly offer annuities. It should offer all retirees a simple lifetime annuity as the baseline option.</p> <p>The government could also offer alternatives including investment-linked annuities, where payments are guaranteed for life, but payments could vary based on investment returns.</p> <p>Priced fairly, and managed by an independent agency, a government annuity would encourage there take-up. Retirees would be more confident that they’re getting a good deal.</p> <p>Annuity payments would be made from the pool of capital created by annuity purchases, with these investments managed by the Future Fund.</p> <p>Under reasonable assumptions we project the government annuity provider could be managing assets totalling 2.5% of GDP by 2040.</p> <p>Superannuation offers Australians the promise of a more comfortable and stress-free retirement. Government-offered annuities can help turn that dream into reality.</p> <p><em>Esther Suckling made substantial contributions to the research underpinning this article.</em><!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/247383/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/brendan-coates-154644"><em>Brendan Coates</em></a><em>, Program Director, Housing and Economic Security, <a href="https://theconversation.com/institutions/grattan-institute-1168">Grattan Institute</a> and <a href="https://theconversation.com/profiles/joey-moloney-1334959">Joey Moloney</a>, Deputy Program Director, Housing and Economic Security, <a href="https://theconversation.com/institutions/grattan-institute-1168">Grattan Institute</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/superannuation-is-complicated-a-guaranteed-government-income-in-retirement-would-be-simpler-247383">original article</a>.</em></p> </div>

Money & Banking

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NSW Government refunds millions of Covid fines

<p>Millions of dollars in fines dished out for breaches of Covid restrictions in NSW are set to be refunded, while close to 24,000 penalty notices will be officially erased. </p> <p>The announcement of the statewide refund by the NSW Fines Administration Commissioner on Tuesday came after legal advice cast doubt on the legal validity of the penalties handed out during Covid lockdowns. </p> <p>In total, more than $5.5 million will be handed back to those who have made either a full or partial payment towards paying off a Covid fine. </p> <p>Those in line for money, or with outstanding penalties, will be contacted by Revenue NSW within days.</p> <p>“Following representations made to the Commissioner of Police and myself concerning the validity of COVID-19 penalty notices, I have decided to exercise my statutory authority and withdraw these notices,” Fine Administration Commissioner Scott Johnston said.</p> <p>“Revenue NSW will be reaching out to all affected customers to support them through the finalisation of their matters.”</p> <p>At the height of the pandemic, the state government claimed they introduced the public health orders to "protect the community". </p> <p>Some fines have already been withdrawn, as in 2022 the Commissioner withdrew about 36,000 penalty notices tied to Covid-related offences because the information on them “made it difficult” for recipients to understand their offence.</p> <p>The remaining 23,539 penalty notices were believed to have provided a clearer explanation and were not withdrawn, but after further legal advice and consideration, it was considered “appropriate” to withdraw them too.</p> <p><em>Image credits: Xinhua News Agency/Shutterstock Editorial </em></p>

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The government wants to keep cash alive for buying essentials. Here’s why it’s such a challenge for businesses

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/steve-worthington-138">Steve Worthington</a>, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a></em></p> <p>Cash usage has <a href="https://www.rba.gov.au/publications/bulletin/2023/jun/cash-use-and-attitudes-in-australia.html">fallen off a cliff</a> in Australia, but the federal government says it must have a future. So, it’s going to mandate one.</p> <p>The Australian government will require businesses to accept cash for essentials such as groceries and fuel. Some (yet to be determined) small businesses will be exempt.</p> <p>According to <a href="https://ministers.treasury.gov.au/ministers/stephen-jones-2022/media-releases/ensuring-future-cash-and-next-steps-phasing-out-cheques">Treasury</a>, losing cash as a means of payment would leave too many people behind:</p> <blockquote> <p>Around 1.5 million Australians use cash to make more than 80% of their in‑person payments. Cash also provides an easily accessible back‑up to digital payments in times of natural disaster or digital outage.</p> </blockquote> <p>In its announcement on Monday, Treasury pointed to what had already been achieved with similar schemes in other countries such as Spain and Norway, and a range of US states.</p> <p>It’s an honourable cause. There are, however, some aspects of life in Australia that will present unique challenges for achieving it.</p> <h2>Why does using cash cost so much?</h2> <p>Some merchants in Australia already refuse to accept cash as a means of payment. That means relying entirely on digital payment methods such as bank cards and mobile wallets.</p> <p>It mightn’t be immediately obvious why some businesses don’t like cash. But for many, it’s the most costly payment method to accept. While cash transactions don’t come with a surcharge fee like bank cards, they do carry a wide range of other hidden costs.</p> <p>Businesses typically need to keep a “float” of cash in their tills overnight, so that next day’s early customers can be given change if needed. This float needs to be regularly updated and rebalanced with appropriate currency so the correct change can always be given.</p> <p>Businesses also have to make sure no cash goes missing during their opening hours, count their cash take at the end of each day, make sure it is secure on their premises, and make periodic physical deposits into their bank account.</p> <p>Both maintaining a float and making deposits can involve unpredictable trips to a bank branch or post office throughout the week.</p> <h2>Things are getting harder</h2> <p>For individuals and businesses, getting cash into and out of a bank account is becoming more of a challenge. And if you’re in regional or remote Australia, the nearest location where you can do so may be an hours-long drive away.</p> <p>The most recent <a href="https://www.apra.gov.au/authorised-deposit-taking-institutions-points-of-presence-statistics">figures</a> from the Australian Prudential Regulation Authority (APRA) show that across Australia since 2017, the number of ATMs has fallen by about 60% and the number of bank branches by 41%.</p> <p>Many remaining bank branches have reduced their hours, and some have even stopped dealing in cash entirely, especially in rural and regional areas.</p> <p>Moving cash around the country isn’t getting any easier or cheaper.</p> <p>The dominant provider of cash-in-transit services, Armaguard, has been under <a href="https://theconversation.com/future-of-cash-secured-for-now-as-banks-and-retailers-bail-out-armaguard-233087">sustained financial pressure</a> in recent years.</p> <p>Earlier this year, it secured a deal with Australia’s big four banks and some of its other major customers to receive a $50 million bailout.</p> <p>Some countries facing similar situations – <a href="https://www.link.co.uk/helping-you-access-cash/banking-hubs">including the UK</a> – have persuaded their banks to fund the idea of “banking hubs”.</p> <p>Typically under this model, a location is identified in a regional community and banks collectively share the space, with each bank having one day a week in residence so that nobody is excluded from these services.</p> <h2>Could a regional branch levy help?</h2> <p>Also this month, Treasury proposed a <a href="https://www.afr.com/politics/federal/banks-face-new-levy-to-keep-rural-branches-open-20241115-p5kqwu">new regional services levy</a>, to support what should be the minimum level of banking services in regional areas.</p> <p>Banks with a relatively large regional presence would be cross subsidised by a proportional levy on banks with relatively fewer services in these areas or none at all.</p> <p>This funding would help banks sustain the number of branches, their opening hours and their ATMs. Under the proposal, banks that fell short of baseline requirements could purchase credits from others that did.</p> <p>The reasoning behind these measures is that like <a href="https://www.transparency.gov.au/publications/communications-and-the-arts/australian-postal-corporation/australia-post-annual-report-2022-23/other-important-information/community-service-obligations">Australia Post</a>, banks should have a formal community service obligation. That is, a baseline of minimum services that must be provided.</p> <h2>Questions still to answer</h2> <p>In its <a href="https://ministers.treasury.gov.au/ministers/jim-chalmers-2022/media-releases/ensuring-future-cash-and-next-steps-phasing-out-cheques">media release</a>, Treasury only gave a big picture view of what they wanted to achieve. There are still many questions that need to be resolved before any of its plans can become legislation.</p> <p>Some concern where and how to target support. If regionally focused, how should regional be defined? Which areas and towns prioritised?</p> <p>How should the banks and other financial services providers be required to help support cash use?</p> <p>Exactly which businesses will be affected – and which exempt – must also be clearly defined, along with any enforcement measures.</p> <p>And there is likely to be robust debate over what exactly constitutes the “essentials” for which merchants will be mandated to accept cash payment.<!-- 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/243919/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/steve-worthington-138"><em>Steve Worthington</em></a><em>, Adjunct Professor, <a href="https://theconversation.com/institutions/swinburne-university-of-technology-767">Swinburne University of Technology</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/the-government-wants-to-keep-cash-alive-for-buying-essentials-heres-why-its-such-a-challenge-for-businesses-243919">original article</a>.</em></p> </div>

Money & Banking

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"Disgraceful": Government red tape causes funeral to be cancelled

<p>A local council has cancelled a funeral just 24 hours before it was set to take place due to government red tape. </p> <p>Ever since Shellharbour local Judy passed away, her brother Ron had been working hard to give her a decent send off. </p> <p>However, less than one day before her planned funeral, the Shellharbour Council cancelled the service over an unpaid burial fee. </p> <p>Ron had been liaising with two government agencies to get payment to council for the burial, which <a href="https://9now.nine.com.au/a-current-affair/sydney-council-cancels-funeral-after-government-fails-to-pay-burial-fee-on-time/60cfa883-6a45-4ff7-badd-1a2e4c52b6aa" target="_blank" rel="noopener"><em>A Current Affair</em></a> said was a matter of one government organisation waiting for a simple sign off from another government agency.</p> <p>Confirmation of the payment came through just one day after the funeral should have gone ahead.</p> <p>Ron was left heartbroken over the cancellation and said the council was "very disrespectful" in their dealings, and said he is owed an apology. </p> <p>"Disgraceful in fact. Low-life mongrels to do that to any family in this sort of situation," Ron told <em>ACA</em>.</p> <p>He says the most devastating part was calling family one by one, including Judy's intellectually disabled son, to deliver the news, as he recalled, "He was in tears. I had to get his support worker over just to calm him down."</p> <p>Shellharbour City Council told <em>A Current Affair</em> via email it was "unable to grant interment rights which are legally required before a burial because the fee hadn't been paid".</p> <p>They went on to say in a statement, "Shellharbour City Council acknowledges the complexity of the burial process and apologises for the hurt the family has experienced."</p> <p><em>Image credits: A Current Affair </em></p>

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"People are losing faith": Nat Barr takes aim at Albanese government

<p>Prime Minister Anthony Albanese has defended his record on economic management as the Labor party's primary vote continues to slip in the polls against Peter Dutton ahead of next year's election. </p> <p>This week's Newspoll shows that Labor's primary vote has slumped to 31 per cent, the lowest it has been since the 2022 election, while the Coalition remains steady at 38 per cent. </p> <p>On Thursday, <em>Sunrise</em> host Nat Barr told the Prime Minister that while on her way to the studio she had spoken to a Labor-voting taxi driver who said he was "losing faith" in Albanese's leadership, as things were "too expensive". </p> <p>“This is your biggest problem, people like this cabby are losing faith. How do you respond to that?” Barr asked Albanese. </p> <p>Albanese defended his choices by pointing out that ABS figures released on Wednesday showed annual inflation rates at 2.7 per cent in August, down from 3.5 per cent in July, and the lowest it has been since August 2021. </p> <p>“Cost-of-living pressures are real, but that’s why we have engaged with responsible economic management in order to bring inflation down whilst we have been delivering cost-of-living relief,” he said.</p> <p>“Yesterday’s figures show the headline inflation is down from 3.5 to 2.7 (per cent), it is a good outcome.</p> <p>“There’s more work to be done, but we’ve done that whilst we have delivered a tax cut for that cabby who would have got nothing under the previous scheme.”</p> <p>Albanese added that energy bill relief, cheaper childcare, and fee-free TAFE places were also making a difference to cost-of-living pressures. </p> <p>However, Barr hit back and said that the cost-of-living measures such as the energy rebate were “artificial” as the rebate would end. </p> <p>“The RBA has said, this does not mean that inflation is under control. The power rebate is going to end and that’s keeping it at one level at the moment, that’s why they look at underlying inflation — they take out volatile stuff,” Barr said.</p> <p>“So, what do you say about inflation still being at this level?” she asked. </p> <p>“What I say is if you exclude volatile, the figures released yesterday, which are known as month-by-month, but they’re year-to-year … that figure is down from 3.7 down to 3 (per cent). That’s a remarkable drop,” Albanese responded. </p> <p>“The Reserve Bank Australia’s target band is 2 to 3 (per cent). Every single one of the figures yesterday that were released, whether it was headline, excluding volatile, mean, all of them saw significant drops in inflation.</p> <p>“Inflation is half what we inherited and one-third of where it peaked …That is in part because of the back-to-back budget surpluses that we have delivered that in part is, yes, energy bill relief, but also what we’ve done in cheaper childcare, fee-free TAFE, the deliberate policy design to help people whilst putting that downward pressure on inflation,” he said.</p> <p><em>Image: Sunrise</em></p>

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What the government’s home care changes mean for ageing Australians

<div class="theconversation-article-body"> <p><em><a href="https://theconversation.com/profiles/tracy-comans-696663">Tracy Comans</a>, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a> and <a href="https://theconversation.com/profiles/frances-batchelor-2209350">Frances Batchelor</a>, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p>The Albanese government has this week announced it will introduce one of the <a href="https://www.health.gov.au/ministers/the-hon-anika-wells-mp/media/once-in-a-generation-aged-care-reforms">largest reforms</a> to Australia’s aged-care sector to date.</p> <p>The package includes a A$4.3 billion investment in home care, now called “<a href="https://www.health.gov.au/our-work/support-at-home">Support at Home</a>”, to come into effect from July 2025. This reflects both the desire of many people to remain living at home as they age, and the government’s desire to reduce the costs of residential aged care.</p> <p>So what changes is the government making to home care packages? And what will these changes mean for ageing Australians?</p> <h2>Reducing waiting times</h2> <p>One of the major complaints about the current home care system is the long waiting times. Estimates suggest there’s a <a href="https://www.gen-agedcaredata.gov.au/getmedia/447b425c-63d6-4b96-a1fc-4dac805066ba/Home-Care-Packages-Program-data-report-1-January-%E2%80%93-31-March-2024">6–to-12-month wait</a> for the higher level 3 and 4 home care packages. For people with the highest needs, this is far too long.</p> <p>As of March this year, around <a href="https://www.gen-agedcaredata.gov.au/getmedia/447b425c-63d6-4b96-a1fc-4dac805066ba/Home-Care-Packages-Program-data-report-1-January-%E2%80%93-31-March-2024">45,000 people</a> were waiting for any level of home care. An additional 14,000 were already receiving a package, but on a lower level of home care than they were entitled to.</p> <p>With additional funding, the new system will <a href="https://www.health.gov.au/ministers/the-hon-anika-wells-mp/media/once-in-a-generation-aged-care-reforms">support more participants</a>. It aims to shorten wait times to <a href="https://www.health.gov.au/sites/default/files/2024-09/support-at-home-fact-sheet.pdf">an average of three months</a> from July 2027.</p> <h2>Changes to services</h2> <p>The new system will replace the current four levels of home care packages with <a href="https://www.health.gov.au/ministers/the-hon-anika-wells-mp/media/once-in-a-generation-aged-care-reforms">eight classifications</a> of funding for services. When participants are assessed, they will be assigned the most suitable category. There’s currently very limited information on what these classifications are, but the idea is they will provide more targeted services.</p> <p>A number of short-term supports will also be available. These include assistive technology (such as mobility aids) and home modifications. Some people will be able to access 12 weeks of restorative care – a more intensive program designed to build function after injury or illness – as well as palliative care support.</p> <p>The way different types of services are subsidised is also changing. Previously, the same means-tested co-contribution applied regardless of the type of service.</p> <p>Under the new system, services are categorised into clinical care (for example, physiotherapy or wound care), independence (such as help with bathing or cooking) and everyday living (for example, gardening or home maintenance). The new reforms fully subsidise clinical services regardless of income, whereas independence and everyday living services will attract co-contributions based on means testing.</p> <p>For example, <a href="https://www.health.gov.au/sites/default/files/2024-09/case-studies-support-at-home.pdf">a self-funded retiree</a> would pay nothing out of pocket for physiotherapy, but would pay 50% for help with showering and 80% towards gardening costs. A full pensioner would also pay nothing for physiotherapy, but pay 5% for help with showering and 17.5% of the cost of gardening.</p> <p>This is a positive change. Our research has previously highlighted a tendency for people with home care packages to choose everyday living services <a href="https://onlinelibrary.wiley.com/doi/full/10.1155/2023/4157055">such as gardening</a> and cleaning and refuse clinical care such as allied health and nursing as these types of services were more expensive.</p> <p>These changes should make older people more likely to choose allied health and clinical care services, which will help them maintain their function and stay fitter for longer.</p> <h2>Some challenges</h2> <p>For the government’s reforms to deliver faster and better support at home, a number of issues need to be addressed.</p> <p>As people stay at home for longer, we also see that these <a href="https://academic.oup.com/ageing/article/52/5/afad058/7147101">people are frailer</a> and have more health conditions than in the past. This requires a different and more highly skilled home care workforce.</p> <p>The current <a href="https://www.health.gov.au/sites/default/files/documents/2021/10/2020-aged-care-workforce-census.pdf">home care workforce</a> consists largely of personal care and domestic support workers alongside a much smaller skilled workforce of registered nurses and allied health professionals.</p> <p>But with the changing profile of people receiving care at home, there will need to be a greater focus on maintaining functional capacity. This might mean more allied health input will be required, such as from physiotherapists and occupational therapists.</p> <p>It’s difficult to source an appropriately skilled workforce across the sector, and almost impossible in <a href="https://www.ruralhealth.org.au/sites/default/files/publications/fact-sheet-allied-health.pdf">rural and remote areas</a>. Alternative models, such as training personal care workers to act as allied health assistants, and effectively using technology such as telehealth, will be necessary to meet demand without compromising on quality of care.</p> <p>One example of the need for upskilling in specific areas relates to caring for people with dementia. The majority of people who are living with dementia at home receive care from family carers, supported by home care workers. It’s vital that these care workers have adequate knowledge and skills specific to dementia.</p> <p>However, research has shown the home care workforce may <a href="https://pubmed.ncbi.nlm.nih.gov/31646701/">lack the knowledge and skills</a> to provide best-practice care for people living with dementia. Specialised <a href="https://onlinelibrary.wiley.com/doi/10.1002/gps.6140">dementia training</a> for home care workers is effective in improving knowledge, attitudes and sense of competence in providing care. It should be rolled out across the sector.</p> <h2>What about unpaid care at home?</h2> <p>Unpaid carers, such as family members, provide <a href="https://www.pmc.gov.au/resources/draft-national-strategy-care-and-support-economy/goal-1-quality-care-and-support/support-for-informal-carers">significant amounts of care</a> for older people. The value of this unpaid care is estimated to be in the billions. As older people stay at home for longer, this is set to increase even further.</p> <p>However, carers with high care burdens are particularly vulnerable to <a href="https://www.sciencedirect.com/science/article/pii/S2352827316300283#s0025">poor physical and mental health</a>. Without adequate support, we may find extra caring pressures lead to a breakdown in caring relationships and an increase in other health-care costs for both the carer and care recipient.</p> <p>So we need to ensure carers have adequate financial, psychological and practical support. But the currently available detail on the reforms doesn’t indicate this has been adequately addressed.</p> <p>With careful implementation and ongoing evaluation, these reforms have the potential to significantly enhance the home care system. However, their success will depend on addressing workforce challenges, ensuring adequate support for unpaid carers, and maintaining a focus on the holistic needs of older Australians.</p> <p><em>More information about Support at Home is <a href="https://www.health.gov.au/our-work/support-at-home/about">available online</a>.</em><!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/238890/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/tracy-comans-696663"><em>Tracy Comans</em></a><em>, Executive Director, National Ageing Research Institute; Professor, Centre for Health Services Research, <a href="https://theconversation.com/institutions/the-university-of-queensland-805">The University of Queensland</a> and <a href="https://theconversation.com/profiles/frances-batchelor-2209350">Frances Batchelor</a>, Director Clinical Gerontology &amp; Senior Principal Research Fellow, National Ageing Research Institute, <a href="https://theconversation.com/institutions/the-university-of-melbourne-722">The University of Melbourne</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/what-the-governments-home-care-changes-mean-for-ageing-australians-238890">original article</a>.</em></p> </div>

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Even after the government’s aviation crackdown, Australia will lag behind on flyers’ rights

<div class="theconversation-article-body"><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></em></p> <p>When it comes to consumer protections for airline passengers, Australia has long been dragging its feet.</p> <p>The limited protections we do have rely heavily on the general <a href="https://consumer.gov.au/index.php/australian-consumer-law">Australian Consumer Law</a>. The “consumer guarantees” provided in this law only require services to be delivered in the arguably vague framework of a “reasonable time”.</p> <p>That might be okay if we’re just getting a sofa delivered from a furniture retailer. The cost of a late delivery is low.</p> <p>But these guarantees were not tailored to the unique impacts delayed or cancelled flights can have on travellers. Australia’s lack of aviation-specific protections has long been a severe <a href="https://www.accc.gov.au/system/files/Airlines%20Terms%20and%20Conditions%20Report.pdf">pain point</a> for flyers, only heightened by pandemic disruption.</p> <p>The government’s much-awaited <a href="https://www.infrastructure.gov.au/infrastructure-transport-vehicles/aviation/aviation-white-paper">Aviation White Paper</a>, released in full on Monday, promised to address this issue. At the heart of the reforms, Australia will get a new aviation ombud scheme, and a new charter of customer rights for passengers.</p> <p>The recognition that new protections are needed is a step in the right direction. But this once-in-a-generation white paper missed the chance to achieve far more, by moving Australia to the style of consumer protection that have now been offered for 20 years in <a href="https://www.airhelp.com/en-int/ec-regulation-261-2004/">Europe</a>.</p> <h2>Why is air travel unique?</h2> <p>Airline customers have a reasonable expectation of arriving at their destination, at (or close to) the time published by the airline in its schedule at the time the reservation was paid and ticketed.</p> <p>If this can’t be achieved, they should at least arrive at some amended time that was advised far enough in advance to allow related reservations and bookings to be adjusted.</p> <p>Air travel has to be punctual because it doesn’t have any substitutes. On even a modest deadline, driving from Perth or even Sydney to Melbourne, for example, is not a comparable option.</p> <p>And a passenger’s options to adapt their travel plans diminish as the departure date approaches. In the final days before travel, hotel cancellation deadlines pass and alternative connecting flight options sell out or spike in price.</p> <p>In some cases, travelling to a specific event can become pointless for a passenger if a delay is lengthy enough.</p> <h2>Australia is playing catch-up</h2> <p>In contrast with Australia, aviation-specific protections have long existed in many other developed economies.</p> <p>In the European Union (EU), for example, <a href="https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=LEGISSUM%3Al24173">regulations</a> make clear that airlines have specific obligations and responsibilities in the event of delays, cancellations and denied boardings. This includes the <a href="https://www.airhelp.com/en-int/ec-regulation-261-2004/">right to compensation</a> of up to €600 (A$988).</p> <p>These protections and the levels of compensation payable for failure to meet specified requirements for different kinds of flights are comprehensively legislated.</p> <p>Canada has a <a href="https://laws-lois.justice.gc.ca/eng/regulations/SOR-2019-150/index.html">slightly different approach</a> – smaller regional carriers have different obligations to mainline operators. But as with the European regulation, it imposes an obligation to get the passenger to the ticketed destination, or to refund the ticket if the journey has become pointless.</p> <p>The absence of such legislated protections in Australia means we typically have to rely on the goodwill of the airline when things go wrong.</p> <h2>Real action has been delayed</h2> <p>The centrepiece proposal of the <a href="https://www.infrastructure.gov.au/infrastructure-transport-vehicles/aviation/aviation-white-paper">white paper</a> is to create a new ombud scheme with “the power to direct airlines and airports to provide remedies to consumers and investigate customer complaints about airlines’ and airports’ conduct”. This will replace the existing <a href="https://www.airlinecustomeradvocate.com.au/General/Default.aspx">Airline Customer Advocate</a>.</p> <p>A new charter of customer rights, to be produced by the scheme, will aim to give flyers “greater certainty about what they can expect when flights are cancelled and delayed” and require airlines to be more transparent about their performance.</p> <p>The white paper noted the poor on-time performance of Australian carriers. It also pointed out that the Australian Competition and Consumer Commission <a href="https://www.accc.gov.au/system/files/Airlines%20Terms%20and%20Conditions%20Report.pdf">identified</a> problems with consumer protections for air travel in Australia as far back as 2017. But its proposals offer no real quantifiable or enforceable improvements to consumer rights.</p> <p>Despite the well-established models in comparable countries – many of which have <a href="https://theconversation.com/if-australia-had-an-aviation-ombudsman-passengers-could-get-compensation-for-cancelled-flights-235679">followed the EU’s lead</a> – Australians will need to wait for yet another discussion process to be complete before they see what protections may eventually be introduced.</p> <p>The government’s white paper has largely just kicked the can down the road.</p> <p>At a minimum, passengers on Australian carriers deserve the assurances given to those travelling in and from Europe: in the event of a cancellation or long delay, that they will be transported to their destination on an alternative flight as quickly as possible.</p> <p>They should also be given appropriate meals and accommodation until they can make this onward journey, receive compensation for lengthy delays, and have the option to return home with a full refund if their travel has become pointless.<!-- 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/237469/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></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/even-after-the-governments-aviation-crackdown-australia-will-lag-behind-on-flyers-rights-237469">original article</a>.</em></p> </div>

Domestic Travel

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Government launches new campaign to tackle elder abuse

<p>The federal government has launched a new campaign to tackle elder abuse. </p> <p>According to the National Elder Abuse Prevalence Study, one in six older Australians experienced abuse last year, with 61 per cent of victims not seeking for help or advice. </p> <p>The Albanese government will spend $4.8 million on the campaign which includes a series of commercials.</p> <p>Council on the Ageing Australia chief executive Patricia Sparrow said the organisation believed cases were under reported.</p> <p>"That's why we think it's incredibly important to raise this awareness," Sparrow said.</p> <p>"It mostly comes from someone they know, which makes it very difficult for older people to report it or know what to do." </p> <p>Labor senator Jenny McAllister told <em>Sky News</em>: "This is something that the community needs to start thinking about. It's a scourge.</p> <p>"We need to eliminate it and the right place to start is with conversations with people we know and care about."</p> <p>"If you're feeling a little uncertain, if you think something is wrong and you're an older Australian you should speak up about it," she added. </p> <p>With an ageing population, it's important to raise awareness that elder abuse is not just physical violence, but emotional, financial and psychological abuse too. </p> <p>The commercials will run on TV, online and at medical clinics from July 28 and they aim to encourage older people to open up about the poor treatment they receive, including from their children and grandchildren. </p> <p>Attorney-General Mark Dreyfus will formally announce the campaign at the National Elder Abuse Conference in Adelaide on Monday. </p> <p>He said that elder abuse was a shameful and often hidden form of cruelty and mistreatment. </p> <p>"It is ugly, it is unacceptable and it must be eliminated," he said.</p> <p>"It is critical that we continue to work together as a community to promote the rights and safety of older people, and ensure that everyone is able to age with dignity and respect."</p> <p><em>Images: Nine</em></p>

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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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An emotional Scott Morrison delivers his last speech to parliament

<p>In a poignant and somewhat unexpected farewell, former Prime Minister Scott Morrison bid adieu to federal parliament, leaving behind a legacy tinged with tears – and a surprising tribute to pop sensation Taylor Swift.</p> <p>As he marked his exit, Morrison delivered a heartfelt address, reflecting on his political journey, acknowledging his colleagues, and offering insights into his future endeavours.</p> <p>Flashing a Swiftie friendship bracelet emblazoned with the nickname "ScoMo" beneath the sleeve of his suit, Morrison's speech was a blend of personal anecdotes, political reflections and nods to popular culture. Surrounded by his family – his mother Marion, wife Jenny, and daughters Abby and Lily – Morrison addressed a gallery that, while not at full capacity, held a significant emotional weight for the departing leader.</p> <p>With a touch of humour, Morrison recounted his daughters' suggestion of incorporating references to Taylor Swift albums into his remarks, a challenge he gamely accepted. Seamlessly weaving Swift's song titles into his speech, Morrison painted a picture of his political journey, acknowledging the challenges he faced and the steadfast support of his loved ones, particularly his wife Jenny, whom he affectionately referred to as his "Lover":</p> <p><em>"It is true that my political opponents have often made me see <strong>Red</strong>.</em></p> <p><em>Often when subjected to the <strong>Tortured Poets</strong> who would rise to attack my Reputation. </em></p> <p><em>In response, I always thought it important to be <strong>Fearless</strong> and <strong>Speak Now</strong>. </em></p> <p><em>Or forever hold my silence and allow those attacks to become <strong>Folklore</strong>. </em></p> <p><em>Ever since leaving university in <strong>1989</strong> this has always been my approach.</em></p> <p><em>My great consolation has always been my <strong>Lover</strong>, Jen, who has always been there for me whenever I needed her from dawn, and beyond the many <strong>Midnights</strong> we have shared together.</em></p> <p><em>See? I'm actually a <strong>True Romantic</strong> after all.</em></p> <p><em>I can assure there is no <strong>Bad Blood</strong>, as I've always been someone who has been able to … <strong>Shake It Off</strong>."</em></p> <p>Reflecting on his tenure as Australia's 30th prime minister from 2018 to 2020, Morrison expressed gratitude to the Indigenous community and the defence personnel, emphasising their contributions to the nation's freedom and prosperity. He cautioned against what he termed a "drift of secularism" and advocated for a reconnection with traditional Christian values, underlining the importance of faith in his own life.</p> <p>Amid tears, Morrison thanked his staff, household personnel and security detail, acknowledging their dedication and sacrifice – particularly recalling two individuals injured while protecting him. “I want to specially mention Travis Ford and Jen McCrae," he said, "who were <a href="https://www.oversixty.com.au/news/news/dangerous-traffic-crash-rocks-scott-morrison" target="_blank" rel="noopener">terribly injured in the line of duty</a> protecting me … in a terrible car accident in Tasmania. I will always be grateful for your sacrifice.”</p> <p>Emotionally addressing his family, Morrison expressed profound gratitude to his wife and daughters, recognising the challenges they endured due to his public role.</p> <p>In a magnanimous gesture, Morrison extended well wishes to his political opponents and congratulated Prime Minister Albanese on his recent engagement. He also expressed appreciation for his party colleagues, including former Prime Minister Malcolm Turnbull and Peter Dutton, highlighting their support and camaraderie.</p> <p>Touching upon his role in the AUKUS nuclear submarine deal and Australia's stance against Chinese coercion, Morrison underscored the importance of standing firm in the face of geopolitical challenges. He warned against complacency and urged vigilance in safeguarding national interests against external threats.</p> <p>Closing on a deeply personal note, Morrison reaffirmed his faith in Jesus Christ, acknowledging his own imperfections and the power of forgiveness. Quoting scripture, he embraced his Christian beliefs unapologetically, emphasising the strength derived from his faith.</p> <p>The solemnity of the moment was then relieved somewhat when Morrison ended his speech with the words "And, as always, up, up, Cronulla!", as colleagues from across the political spectrum approached to bid him farewell.</p> <p><span style="font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">Morrison made a point of highlighting the main lessons he says he's learned during his political career, which we have summarised here:</span></p> <p><strong>1. Without a strong economy, you cannot achieve your goals as a nation</strong></p> <p>He said there have been strong contributions made in this respect by both sides of politics, and Australia must be careful not to "reinstitutionalise our economy" and crush entrepreneurial spirit.</p> <p><strong>2. Threats are out there, and they are real</strong></p> <p>Morrison talked about a new era of strategic competition, in which the old rules-based international order is being challenged by "a new arc of autocracy" ranging from Pyongyang to Beijing to Tehran and Moscow.</p> <p>He cited AUKUS, the Quad and new trading and defence relationships as key achievements of his government in this arena, but said that "continued vigilance and the connection between all spheres of police" is required going forward.</p> <p><strong>3. Judeo-Christian values shouldn't be forgotten in the 'increasing Western embrace of secularism'</strong></p> <p>"Individual liberty, the rule of law, equality of opportunity, responsible citizenship, morality, liberty of speech, thought, religion and association. All of these stem from the core principle of respect for individual human dignity," Morrison said. "So does representative democracy. And even market-based capitalism. This is a unique Judeo-Christian principle."</p> <p><em>Image: ABC News</em></p> <p> </p>

Retirement Life

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As Scott Morrison leaves parliament, where does he rank among Australian prime ministers?

<p><em><a href="https://theconversation.com/profiles/paul-strangio-1232">Paul Strangio</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a></em></p> <p>This week Scott Morrison, Australia’s 30th prime minister, will deliver his valedictory speech to the House of Representatives. As Morrison leaves parliament, it’s timely to ask where he is placed in the pantheon of Australia’s national leaders.</p> <p>Already there have been unflattering verdicts on Morrison’s prime-ministerial standing. For example, in her withering account of his leadership, veteran columnist and author <a href="https://scribepublications.com.au/books-authors/books/bulldozed-9781922585981">Niki Savva writes</a> that among detractors, “Morrison was regarded as the worst prime minister since Billy McMahon”. Moreover, according to Savva, following the August 2022 revelation of his commandeering of five ministries during the COVID pandemic, his reputation sunk still lower: “he was worse than McMahon. Worse even than Tony Abbott, who lasted a scant two years in the job”.</p> <h2>How can we rank prime ministerial performance?</h2> <p>How might we know how Morrison’s record stacks up against his prime-ministerial peers? One device for evaluating comparative leadership performance is expert rankings. Australia has had a slow take-up in this field, unlike the United States, where presidential rankings have a lineage stretching back three-quarters of a century and are a veritable scholarly cottage industry.</p> <p>In recent years, there have been forays into this territory in Australia, with three prime-ministerial rankings conducted by newspapers and two initiated by Monash University in 2010 and 2020. (I was the organiser of both of these Monash rankings.)</p> <p>These rankings have been largely consistent in their results. The experts, mostly political historians and political scientists, have judged the nation’s greatest prime minister to be its second world war leader, John Curtin. The other leaders in the top echelon are, in rough order, Bob Hawke, Ben Chifley, Alfred Deakin, Robert Menzies, Andrew Fisher, John Howard, Paul Keating and Gough Whitlam.</p> <p>At the other end of the scale, Billy McMahon, who is chiefly remembered for being defeated by Labor’s Whitlam at the December 1972 election, thereby bringing to a close the Liberal Party’s postwar ascendancy, has been consistently rated Australia’s prime-ministerial dunce. Even his biographer, Patrick Mullins, acknowledges that McMahon has become “a by-word for failure, silliness, ridicule”.</p> <p>However, in the most recent of the rankings, the Monash 2020 survey, McMahon had a close competitor for bottom place: Tony Abbott. Forty-four out of 66 respondents to that survey assessed Abbott’s prime ministership a failure. Other prime ministers to the rear of the field included Abbott’s contemporaries, Kevin Rudd and Malcolm Turnbull.</p> <p>Morrison was not included in the 2020 rankings because as the incumbent his prime ministership was incomplete, and so it was premature to evaluate his performance. Let us now, though, measure his record against the nine benchmarks that the experts were asked to consider in rating the nation’s leaders.</p> <h2>So how does Morrison shape up?</h2> <p>The first is “effectively managing cabinet”. To date, little has been disclosed about the integrity of cabinet processes under Morrison’s stewardship. Yet, whatever the merits of that management, his scandalous breach of the norms of cabinet government by <a href="https://theconversation.com/view-from-the-hill-the-bell-report-on-morrisons-multi-ministries-provides-a-bad-character-reference-195368">secretly assuming several ministries</a> will irretrievably stain his reputation in this regard.</p> <p>Next is “maintaining support of Coalition/party”. That Morrison avoided being deposed by his party, which was the fate of his immediate predecessors (Rudd, Julia Gillard, Abbott and Turnbull), counts in his favour. As the ABC docuseries Nemesis shows, however, his prime ministership was marked by serious frictions both within the Liberal Party and between the Liberal and National coalition partners.</p> <figure><iframe src="https://www.youtube.com/embed/gLXdXUwGrJs?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <p>“Demonstrating personal integrity”. This was not one of Morrison’s strong suits. As Savva makes searingly evident, and Nemesis also highlights, Morrison earned a reputation for being economical with the truth (including hiding his acquisition of colleagues’ ministries), for evading accountability and shifting blame (“I don’t hold a hose, mate”), and for corrupted processes under his watch (an example being the <a href="https://theconversation.com/more-sports-rort-questions-for-morrison-after-bridget-mckenzie-speaks-out-133160">shameless pork-barrelling</a> of the community sport infrastructure program in the lead-up to the 2019 election).</p> <p>“Leaving a significant policy legacy”. Here Morrison is partly damned by his own words. In office, he insisted he was not concerned about his legacy, equating the idea with a vanity project. Indeed, an obsession with the theatre of politics and a corresponding lack of substance caused his prime ministership to come to be seen as bereft of purpose.</p> <p>On the other hand, management of the COVID pandemic, however mixed, accords a significance to his time in office. AUKUS stands as the other major legacy of Morrison’s prime ministership, entrenched as it has been by his successor, Anthony Albanese. The agreement promises to influence Australia’s defence capability until the middle of this century and beyond, although only time will tell whether it enhances the nation’s security or is a dangerous white elephant.</p> <p>“Relationship with the electorate”. Morrison’s record here is mixed. In his favour, he won an election (something McMahon couldn’t claim). Yet, by the time of the 2022 election, according to the Australian Election Study, he was the least popular major party leader in the history of that survey, which dates back to the 1980s.</p> <p>His public toxicity was a primary factor in the Coalition’s defeat, one of his Liberal colleagues comparing the depth of public sentiment against the prime minister in 2022 to “having a 10,000-tonne boulder attached to your leg”.</p> <p>“Communication effectiveness”. Styling himself as a Cronulla Sharks-supporting “daggy dad” from the suburbs, at least initially Morrison’s communication mode seemed to be well received in the community. He was relentlessly on message during the 2019 election campaign.</p> <p>But the shine rapidly wore off his persona following that victory, with growing doubts about his authenticity. Rather than persuade, his habit was to hector, and rather than empathise, he exuded smugness. A series of notorious tin-eared statements, which especially alienated women voters, came to define his image. By the end he was known as the “bulldozer-in-chief”.</p> <figure><iframe src="https://www.youtube.com/embed/yamdw5VeNtA?wmode=transparent&amp;start=0" width="440" height="260" frameborder="0" allowfullscreen="allowfullscreen"></iframe></figure> <p>“Nurturing national unity”. An innovation of Morrison’s at the beginning of the pandemic was the national cabinet. Bringing together the prime minister and premiers, it worked effectively for a time, only for partisan interests over lockdowns to strain relations between Canberra and the states.</p> <p>Under pressure, Morrison also flirted with divisive culture-war politics, instances being his divisive Religious Discrimination Bill and his egregious handpicking of the anti-transgender Liberal candidate Katherine Deves to contest the 2022 election.</p> <p>“Defending and promoting Australia’s interests abroad”. The AUKUS pact has vehement critics, led by Morrison’s prime-ministerial peers Keating and Turnbull, who argue it jeopardises national sovereignty.</p> <p>There is no denying, however, that AUKUS was Morrison’s signature foreign policy enterprise. On the other hand, Australia’s reputation as a laggard on climate change under the Coalition hurt our international standing, not least among Pacific neighbours. The Morrison government’s belated commitment to a net zero carbon emissions by 2050 target was too little, too late. Bellicose rhetoric towards Beijing also led to a deterioration in relations with the nation’s major trading partner (as well as estranging Chinese-Australian voters).</p> <p>“Being able to manage turbulent times”. Here, again, Morrison’s record is at best mixed. In his favour is decisive early actions to ameliorate the COVID pandemic, headed by the JobKeeper program. As the pandemic progressed, however, his government was too often flat-footed, demonstrated by its dilatory approach to procuring vaccines. His response to natural disasters, most notably the 2019-20 Black Summer bushfires, was another shortcoming, exemplified by his secret holiday to Hawaii in the midst of the crisis. Arguably, his prime ministership was doomed from that moment.</p> <h2>And the verdict?</h2> <p>Prime-ministerial reputations can take time to settle. The passing of years fleshes out historical knowledge as well as providing greater perspective on performance in office. For example, the fate of AUKUS will quite possibly affect Morrison’s standing well into the future.</p> <p>Even allowing for this, it seems safe to forecast that Morrison will be rated among the least distinguished of Australian prime ministers. His government’s relatively successful early management of the COVID pandemic and the legacy of AUKUS might spare him from falling below McMahon and Abbott at the bottom of the prime-ministerial heap. But avoiding that ignominy will probably be a close-run thing.<!-- 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/223003/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/paul-strangio-1232">Paul Strangio</a>, Emeritus professor of politics, <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/as-scott-morrison-leaves-parliament-where-does-he-rank-among-australian-prime-ministers-223003">original article</a>.</em></p>

Retirement Life

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South Australian Government's sprinkles ban sparks outrage

<p>New guidelines for school canteens in South Australia have sparked outrage for "taking all the enjoyment away from children". </p> <p>Sprinkles of any kind, including 100s and 1000s - which are an essential ingredient for the iconic fairy bread - have been categorised as “red 2", meaning that they “should not be promoted or encouraged in schools on any occasion”.</p> <p>The ban comes after processed meats including ham would be limited at canteens in Western Australia, with similar restrictions now in place for South Australian canteens. </p> <p>Processed meats fall into the “red 1” or “amber” categories in South Australia, which means that products featuring them would be limited depending on nutritional criteria. </p> <p>These restrictions mean that children will no longer be able to regularly enjoy Australian staples like ham and cheese toasties and fairy bread at school. </p> <p>“Why are they taking all the enjoyment away from children?” one person told 7News. </p> <p>Dieticians have also questioned the decision, saying that it might only cause further problems in the future. </p> <p>“All your brain wants to do is eat that food, and eventually, you can restrict it for a little bit, until you get to that point where you just give in, you want to eat it, and then you binge,” dietitian Mattea Palombo said. </p> <p>Another expert suggested changing the foods we associate with good times. </p> <p>“Celebration foods aren’t so much about the foods that we have at the time of the celebration, but the friends and family we have around at the time of celebrating,” dietitian Dr Evangeline Mantzioris said.</p> <p>“So I think we probably need to balance it out a bit, so healthy foods are available at those celebrations.” </p> <p>Although the changes impact canteens, parents are still free to pack whatever they want in their kids' lunchboxes. </p> <p><em>Images: Getty</em></p> <p> </p> <p> </p>

Food & Wine

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Stage 3 stacks up: the rejigged tax cuts help fight bracket creep and boost middle and upper-middle households

<p><em><a href="https://theconversation.com/profiles/ben-phillips-98866">Ben Phillips</a>, <a href="https://theconversation.com/institutions/australian-national-university-877">Australian National University</a></em></p> <p>The winners and losers from the Albanese government’s <a href="https://treasury.gov.au/sites/default/files/2024-01/tax-cuts-government-fact-sheet.pdf">rejig</a> of this year’s Stage 3 tax cuts have already been well documented.</p> <p>From July 1 every taxpayer will get a tax cut. Most, the 11 million taxpayers earning up to A$146,486, will also pay less tax than they would have under the earlier version of Stage 3, some getting a tax cut <a href="https://theconversation.com/albanese-tax-plan-will-give-average-earner-1500-tax-cut-more-than-double-morrisons-stage-3-221875">twice as big</a>.</p> <p>A much smaller number, 1.8 million, will get a smaller tax cut than they would have under the original scheme, although their cuts will still be big. The highest earners will get cuts of $4,529 instead of $9,075.</p> <p>But many of us live in households where income is shared and many households don’t pay tax because the people in them don’t earn enough or are on benefits.</p> <p>The Australian National University’s <a href="https://csrm.cass.anu.edu.au/research/policymod">PolicyMod</a> model is able to work out the impacts at the household level, including the impact on households in which members are on benefits or don’t earn enough to pay tax.</p> <h2>More winners than losers in every broad income group</h2> <p>We’ve divided Australian households into five equal-size groups ranked by income, from lowest to lower-middle to middle to upper-middle to high.</p> <p>Our modelling finds that, just as is the case for individuals, many more households will be better off with the changes to Stage 3 than would have been better off with Stage 3 as it was, although the difference isn’t as extreme.</p> <p>Overall, 58% of households will be better off with the reworked Stage 3 than they would have under the original and 11% will be worse off.</p> <p>Importantly, there remain 31% who will be neither better off nor worse off, because they don’t pay personal income tax.</p> <hr /> <p><iframe id="0CWXE" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/0CWXE/4/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <p>But it is different for different types of households.</p> <p>In the lowest-earning fifth of households, far more are better off (13.5%) than worse off (0.2%) with the overwhelming bulk neither better nor worse off (86.3%).</p> <hr /> <p><iframe id="KC5zy" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/KC5zy/3/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <p>In the highest-earning fifth of households, while more than half are better off (54.4%), a very substantial proportion are worse off (42.3%).</p> <p>Very few (only 3.1%) are neither better nor worse off.</p> <hr /> <p><iframe id="WSkSL" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/WSkSL/3/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <h2>But high-earning households go backwards on average</h2> <p>In dollar terms, the top-earning fifth of households loses money while every group gains. That’s because although there are more winners than losers among the highest-earning fifth of households, the losers lose more money.</p> <p>The biggest dollar gains go to middle and upper-middle income households with middle-income households ahead, on average, by $988 per year and upper-middle income households by $1,102. The highest-income households are worse off by an average of $837 per year.</p> <p>As a percentage of income, middle-income households gain the most with a 1% increase in disposable income. Lowest income households gain very little, while the highest-income households go backwards by 0.3%.</p> <hr /> <p><iframe id="kAPmC" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/kAPmC/3/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <h2>The rejig does a better job of fighting bracket creep</h2> <p>And we’ve found something else.</p> <p>The original version of the Stage 3 tax cuts was advertised as a measure to overcome <a href="https://theconversation.com/the-2-main-arguments-against-redesigning-the-stage-3-tax-cuts-are-wrong-heres-why-221975">bracket creep</a>, which is what happens when a greater proportion of taxpayers’ income gets pushed into higher tax brackets as incomes climb.</p> <p>We have found it wouldn’t have done it for most of the income groups, leaving all but the highest-earning group paying more tax after the change in mid-2024 than it used to in 2018.</p> <p>The rejigged version of Stage 3 should compensate for bracket creep better, leaving the top two groups paying less than they did in 2018 and compensating the bottom three better than the original Stage 3.</p> <hr /> <p><iframe id="YG0cT" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/YG0cT/1/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <p>Not too much should be made of the increase in tax rates in the lowest income group between 2018 ad 2024 because some of it reflects stronger income growth.</p> <p>We find that overall, the redesigned Stage 3 does a better job of offsetting bracket creep than the original. It is also better targeted to middle and upper-middle income households.</p> <p>Having said that, the average benefit in dollar terms isn’t big. At about $1,000 per year for middle and upper-middle income households and costing the budget about what the original Stage 3 tax cuts would have cost, its inflationary impact compared to the original looks modest.<!-- 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/221851/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/ben-phillips-98866"><em>Ben Phillips</em></a><em>, Associate Professor, Centre for Social Research and Methods, Director, Centre for Economic Policy Research (CEPR), <a href="https://theconversation.com/institutions/australian-national-university-877">Australian National University</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/stage-3-stacks-up-the-rejigged-tax-cuts-help-fight-bracket-creep-and-boost-middle-and-upper-middle-households-221851">original article</a>.</em></p>

Money & Banking

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Scott Morrison resigns from parliament

<p dir="ltr">Former Prime Minister Scott Morrison has resigned from parliament, marking an end to his 16-year career in politics. </p> <p dir="ltr">Mr Morrison said he would leave politics at the end of February, setting up a by-election a year out from the next federal election.</p> <p dir="ltr">In a lengthy statement, the 55-year-old explained that he would be stepping back from politics to spend more time with his family, and be more involved in his church community. </p> <p dir="ltr">ScoMo paid tribute to his family – wife Jenny and daughters Lily and Abbey – in the statement, who he said “have sacrificed a great deal to support my service to our country and local community”. </p> <p dir="ltr">“I am grateful for their support, but the time has come for me to return to my private life and support my family to pursue their goals and for us to spend more time together as a family,” he said.</p> <p dir="ltr">“I am also looking forward to being more active in my church community outside the constraints of public office.”</p> <p dir="ltr">Mr Morrison said it had been his “great privilege” to represent his constituents in the Sydney electorate of Cook and noted the decision to leave had been “difficult”. </p> <p dir="ltr">“However, I believe the timing is now right to move on to a new season with my family and take on fresh challenges,” he said.</p> <p dir="ltr">After making the announcement of his resignation, Morrison appeared on <em>Sky News</em> to discuss his lasting legacy as one of Australia’s most controversial prime ministers. </p> <p dir="ltr">He told the <em>Sky News</em>’ Paul Murray, “I’m sure there’s things that people will need to forgive me for and I’ll forgive them. You just don’t carry these things around with you. You look forward.”</p> <p dir="ltr">He then quoted former US president Theodore Roosevelt, who Mr Morrison described as a “hero” for him. </p> <p dir="ltr">“He used to talk about – I’m one of those ones who was on the field, who has known victory and defeat, not one of those timid souls who have known neither, and just looks on from the outside,” he said.<span id="docs-internal-guid-a7151a37-7fff-a3f1-de75-5a7687aa9fec"></span></p> <p dir="ltr"><em>Image credits: Getty Images</em></p>

News

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"Devastated": James Morrison's partner dies aged 45

<p>British singer James Morrison is grappling with the heartbreaking news of the sudden death of his partner, Gill Catchpole, as <a href="https://www.bbc.com/news/uk-england-gloucestershire-67910325" target="_blank" rel="noopener">reported by the BBC</a>.</p> <p>Catchpole, 45, who had been in a relationship with the renowned hitmaker since their teenage years, was discovered lifeless on Friday at her residence in Gloucestershire, UK.</p> <p>Authorities have issued a statement indicating that the coroners and the woman's next of kin have been informed. While her death is currently labeled as "non-suspicious", the details surrounding the tragedy remain undisclosed.</p> <p>The couple, who had been together since their youth, leaves behind two daughters. Morrison, 39, has not yet made any public statements regarding the news, and his latest Instagram post from a recording studio only days before the incident hinted at new beginnings and adventures for the year.</p> <p>In the face of this tragedy, followers flooded Morrison's Instagram comments section to offer their condolences and support to the grief-stricken singer. The outpouring of sympathy from fans reflects the deep connection that Morrison has forged with his audience over the years through his soulful music.</p> <p>Morrison, originally from Warwickshire, rose to fame with hits like "You Give Me Something" and "Broken Strings". Despite his success in the music industry, Morrison has faced significant personal losses in recent years, having lost his father, brother and nephew within a span of three years.</p> <p>According to reports from <em>The Sun</em>, Morrison is described as "devastated" by the untimely passing of Catchpole. The couple's enduring connection, from their challenging beginnings to the shared joy of raising a family, has become a poignant chapter in Morrison's life.</p> <p>In a previous interview on the White Wine Question Time podcast, Morrison nostalgically shared the story of how he and Catchpole first crossed paths. Their initial encounter occurred when she moved in with her then-boyfriend as a lodger in Morrison's mother's house. Despite the unconventional start, Morrison considered it a romantic tale, describing their journey as a "little fairy tale".</p> <p>As the news of Gill Catchpole's passing reverberates through the music world and beyond, James Morrison's supporters join him in mourning the loss of a loved one and offering their heartfelt condolences during this difficult time.</p> <p><em>Images: Facebook / Instagram</em></p>

Caring

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Former Neighbours star’s stunning Yarra Valley wedding

<p>In a celebration filled with love, laughter and music, singer and former <em>Neighbours</em> star Bonnie Anderson tied the knot with her beau, Samuel Morrison, in a breathtaking ceremony at the enchanting Acacia Ridge Vineyard in Yarra Valley, Victoria.</p> <p>The 29-year-old songstress and her landscaper husband exchanged vows in the presence of their closest family and friends, marking the beginning of a beautiful journey together.</p> <p>The radiant bride walked down the aisle in a sleeveless, halter-neck lace gown crafted by the talented Australian designer Jason Grech, while the dashing groom looked ever so handsome in a classic black tuxedo. The picturesque vineyard provided the perfect backdrop for this special day, creating an atmosphere of pure magic and romance.</p> <p>Sharing their joy with the world, Anderson captioned the first wedding photo on Instagram with the simple yet powerful words, "Mr and Mrs Morrison."</p> <p>The newlyweds flooded their social media with countless photos and videos, giving fans a glimpse into the magical celebration of their love.</p> <p>During the reception, the talented bride took the stage once again, not only as a singer but as a romantic lyricist. Anderson serenaded her new husband with a heartfelt song she had written especially for him, creating an unforgettable moment as their guests gathered around to witness their love story unfold.</p> <p>The celebration continued inside a marquee on the sprawling estate, where the bridesmaids, adorned in elegant black satin gowns, kicked off the festivities with a rehearsed entrance set to the iconic Beyoncé hit, "Single Ladies". Dinner was served, and the atmosphere was electric as the bride treated the guests to her musical prowess before the DJ took over, transforming the evening into a dance-filled extravaganza.</p> <p>In a pre-wedding interview with the <em>Herald Sun</em>, Anderson expressed her desire for the celebration to be a "big party" filled with entertainment and music, and she certainly delivered on that promise. Life may be chaotic as a mum, singer and wedding organiser, but for Bonnie Anderson, the chaos is well worth the joy that comes with looking forward to the future.</p> <p>The couple, who had already welcomed their bundle of joy, Bobby, in December the previous year, radiated happiness and love throughout the day. Anderson, who found fame at the tender age of 12 as the first winner of <em>Australia's Got Talent</em> in 2007, has come a long way, gracing the screens of <em>Neighbours</em> from 2018 to 2021. Now, as Bonnie Morrison, she begins a new chapter in her fairy tale alongside Samuel.</p> <p>As they dance into the rest of their lives together, Bonnie and Samuel Morrison serve as a testament to the enduring power of love, the magic of music, and the joy of sharing life's grandest moments with those who matter most. Cheers to the newlyweds, and may their journey be filled with endless love, laughter, and, of course, more unforgettable music!</p> <p><em>Images: Instagram</em></p>

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Modern prime ministers have typically left parliament soon after defeat. So why doesn’t Scott Morrison?

<p><em><a href="https://theconversation.com/profiles/paul-strangio-1232">Paul Strangio</a>, <a href="https://theconversation.com/institutions/monash-university-1065">Monash University</a></em></p> <p>With each passing month, Scott Morrison is developing into a post-prime-ministership peculiarity. Well over a year since voters cast him from power, he remains limpet-like in the House of Representatives, defying speculation that he is ready to quit parliament and trigger a byelection in his New South Wales seat of Cook. Hanging around on the backbench is generally not the way of ousted national leaders in the modern political era.</p> <p>It is true that in bygone times former prime ministers did not scurry to leave parliament after losing office. The most spectacular example is Australia’s leader during the first world war, William Morris Hughes. Bumped from office in 1923, the “Little Digger”, as he was known, remained in the House for another three decades, relentlessly scheming for power. Only death in 1952 brought closure to his parliamentary career.</p> <p>Since the 1980s, however, the habit of former PMs has been to hastily abandon politics once the mantle of office has slipped their grasp. Malcolm Fraser established this modern pattern, triggering a byelection in his seat of Wannon two months after his Coalition government was defeated by the Bob Hawke-led Labor Party in March 1983.</p> <p>From that time there have been few exceptions to this norm. Deposed from office by Paul Keating in December 1991, Hawke was out of the parliament by February 1992, with his seat of Wills won by the independent, Phil Cleary. Keating, too, followed the trend. After his Labor government lost power to the John Howard-led Coalition in March 1996, Keating resigned from the House the following month.</p> <p>For Howard, the decision was taken out of his hands, as voters not only finished his prime ministership in November 2007 but terminated his more than three decades as the member for Bennelong.</p> <p>Howard’s slayer, Kevin Rudd, did buck the trend after he was overthrown by caucus colleagues in June 2010. Convinced of the righteousness of his resurrection and thirsting to avenge his usurper, Julia Gillard, he stayed on for another parliamentary term, wresting the prime ministership back in June 2013. However, when electors put an end to his second government three months later, Rudd swiftly exited politics. Meanwhile, Gillard had resigned as the member for Lalor only weeks after being dethroned by Rudd.</p> <p>Prone to eccentricity, Tony Abbott is the clearest exception to the rule of modern ex-PMs not dallying in parliament once their reign is over. Deposed by Malcolm Turnbull in September 2015, less than two years after becoming prime minister, Abbott lingered mostly aimlessly on the backbench for the rest of that term and the next. Recontesting his seat of Warringah again at the May 2019 election, he lost to the independent, Zali Steggall.</p> <p>In contrast to Abbott, Turnbull left parliament with almost unseemly haste once he was unseated from power. After being dumped from the leadership in favour of Morrison in August 2018, he tendered his resignation as the member for Wentworth within a week. In the ensuing byelection, his seat too went to an independent, Kerryn Phelps.</p> <p>How do we explain the modern pattern of former prime ministers sprinting to the exit door once their time in office is over?</p> <p>In earlier times, there was a role for ex-leaders as elder statesmen in parliament. The best example is the Great Depression-era PM, Labor’s James Scullin. Despite failing health, he remained in the House for nearly another two decades and served as a trusted confidant to John Curtin throughout the harrying days of the second world war.</p> <p>Modern former prime ministers can be a source of counsel to their successors, offering advice both welcome and unwelcome. But there is no appetite among colleagues for them to hang around in parliament fulfilling that function. The media are quick to portray them as an unhelpful distraction or curiosity, while opponents point-score off them. Better they are out of the way.</p> <p>Another reason modern former leaders are impatient to move on is that, with extended lifespans and expanded opportunities post-office (for example, book-writing deals, lecture circuits, ambassadorships, business ventures, NGO and think-tank appointments), ex-PMs can now enjoy a second wind once out of parliament in a way that was not so open to earlier predecessors. Politics is now less of a lifetime vocation.</p> <p>Why, then, is Morrison clinging on? We can discount his declarations that he is relishing being the member for Cook. Being a humble backbencher visits daily humiliation on him. Indeed, Morrison’s post-prime ministership has been most notable for his reputation being tarnished by revelations of his bizarre commandeering of several portfolios while PM, and by the adverse findings against him by the Robodebt Royal Commission.</p> <p>These scandals have undoubtedly complicated an early departure for Morrison because, in going, he would be seen to be retreating in disgrace. He needs time and space from the scandals for the semblance of a dignified escape. The opportunities Morrison had hoped for following politics have potentially also thinned because of his sullied reputation.</p> <p>Finally, there is the political calculation surrounding his exit for his party. Stay or go, Morrison is a headache for Opposition Leader Peter Dutton. As long as the scandal-ravaged Morrison hangs around, he is damaging the Liberal brand.</p> <p>Yet a byelection in his electorate is also unwelcome. Though Cook is very safe on paper, the history of the seats of three former PMs going to independents over the past 30 years is intriguing and not to be lightly dismissed.<!-- 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/212544/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/paul-strangio-1232">Paul Strangio</a>, Professor of Politics, <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/modern-prime-ministers-have-typically-left-parliament-soon-after-defeat-so-why-doesnt-scott-morrison-212544">original article</a>.</em></p>

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How a secret plan 50 years ago changed Australia’s economy forever, in just one night

<p><em><a href="https://theconversation.com/profiles/alex-millmow-4462">Alex Millmow</a>, <a href="https://theconversation.com/institutions/federation-university-australia-780">Federation University Australia</a></em></p> <p>At a time when governments are timid, keener to announce <a href="https://www.pc.gov.au/inquiries/completed/productivity/report">reviews</a> than decisions, it’s refreshing to remember what happened 50 years ago today – on July 18 1973.</p> <p>Inflation had surged to <a href="https://www.datawrapper.de/_/vu9by/">14%</a>. Australia’s biggest customer, the United Kingdom, had joined the <a href="http://news.bbc.co.uk/onthisday/hi/dates/stories/january/1/newsid_2459000/2459167.stm">European Economic Community</a>, agreeing to buy products from it rather than Australia. And the newly formed Organisation of Arab Petroleum Exporting Countries had <a href="https://advisor.visualcapitalist.com/historical-oil-prices/">doubled</a> the price of oil.</p> <p>The tariffs imposed on imported goods to protect Australian manufacturers from competition were extraordinarily high. For clothing, they reached <a href="https://www.pc.gov.au/inquiries/completed/textile-clothing-footwear-1997/59tcf2.pdf">55%</a>; for motor vehicles, <a href="https://ro.uow.edu.au/cgi/viewcontent.cgi?article=1077&amp;context=commwkpapers">45%</a>.</p> <p>Then, with absolutely <a href="http://andrewleigh.org/pdf/Trade%20liberalisation%20and%20the%20ALP.pdf">no</a> public indication he had been considering anything as drastic, at 7pm on Wednesday July 18, the recently elected prime minister Gough Whitlam made an <a href="https://pmtranscripts.pmc.gov.au/sites/default/files/original/00002971_0.pdf">announcement</a>.</p> <h2>Every tariff cut by one quarter overnight</h2> <p>From midnight, all tariffs would be cut by 25%. As Whitlam put it: “each tariff will be reduced by one quarter of what it is now”.</p> <figure class="align-right "><figcaption></figcaption></figure> <p>If Australian businesses (and the Australian public) were caught by surprise, it was because Whitlam had planned the whole thing in secret.</p> <p>He had given a six-person committee just three weeks to work out the details.</p> <p>Although the committee was chaired by the head of the Tariff Board, Alf Rattigan, and included an official from Whitlam’s own department, the department of industry and the department of trade, it met in an obscure location in Canberra’s civic centre rather than in public service offices, where the project might be discovered.</p> <p>Not included in the committee was a representative of the treasury, which its then deputy head John Stone said “<a href="https://cdn.theconversation.com/static_files/files/2744/Stone__The_Inside_Story_of_Gough%E2%80%99s_Tariff_Cut__in_The_Australian__18_July_2003..pdf">knew nothing</a>” about what was unfolding.</p> <p>But driving the work of the committee were two academic outsiders – Fred Gruen, an economics professor at the Australian National University and adviser to Whitlam, and Brian Brogan, an economics lecturer at Monash University who was advising the trade minister, Jim Cairns.</p> <h2>Outsiders, not treasury insiders</h2> <p>As economists rather than bureaucrats, Gruen and Brogan were able to see benefits where others saw entrenched interests. Going to the tariff board and asking for extra tariffs, whenever it looked as if your prices might be undercut by imports, had become a reflex action for Australian businesses.</p> <p>In the words of <a href="https://esavic.org.au/385/images/2013_GaryBanks.pdf">Gary Banks</a> – later to become head of the successor to the tariff board, the Productivity Commission: “it was not a shameful thing for a conga line of industrialists to be seen wending its way to Canberra”.</p> <p>Tariffs were good for business owners, although bad for their customers, who had to pay much higher prices and often got <a href="https://www.afr.com/opinion/bill-scales-the-rise-and-fall-of-the-australian-car-manufacturing-industry-20171018-gz3ky4">worse goods</a>. They were also good for government – bringing in tax revenue.</p> <p>Whitlam was more interested in bringing down inflation. His announcement said increased competition would "have a salutary effect upon those who have taken advantage of shortages by unjustified price increases which have exploited the public".</p> <p>Any firm seriously hurt by the extra imports could apply to a newly established tribunal for assistance, but the tribunal "should not provide relief as a matter of course – that is, simply because the question of relief had been referred to it".</p> <p>So Whitlam offered “rationalisation assistance” to encourage firms to refocus their operations, and “compensation for closure” where that couldn’t be done and production had to cease.</p> <p>For displaced workers, the 7pm announcement offered anyone who lost their job retraining, as well as "a weekly amount equal to his [sic] average wage in the previous six months until he obtains or is found suitable alternative employment."</p> <p>Over the next seven years, manufacturing employment fell by <a href="https://www.bitre.gov.au/sites/default/files/report_136_CHAPTER_6_WEB_FA.pdf">80,000</a>, but few of those job losses were immediate. Fifteen months after the 25% tariff cut, fewer than <a href="https://www.jstor.org/stable/20634782?seq=10">6,000</a> people had claimed the wage replacement offered on the night of the announcement.</p> <p>When Whitlam went to the polls a year after the cut in the double dissolution election of May 1974, 122 university economists signed an <a href="https://pmtranscripts.pmc.gov.au/release/transcript-3267">open letter</a> of support.</p> <p>The letter said the general thrust of the government’s policy responses had been in the best interests of the nation as a whole, and added, "more importantly, we seriously doubt that the previous government would have had the wisdom or the courage to undertake it. It had certainly given no indication of moving in that direction while it was in power, even though the need for such policies had become obvious".</p> <p>In its later days in office, the Whitlam government was roundly criticised for its irresponsible public spending. Ironically, in its approach to tariffs in the 1970s, it had taken the first steps in a neoliberal direction that characterised western governments of the 1980s.</p> <p>By acting boldly after decades of inaction, Whitlam showed what a government could do. It was a lesson his Labor successor Bob Hawke took to heart a decade later, when he floated the dollar, revamped Australia’s tax system and put in place a series of further cuts that reduced tariffs to near zero.</p> <p>It’s something we see less of today.<!-- 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/209378/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/alex-millmow-4462">Alex Millmow</a>, Senior Fellow, <a href="https://theconversation.com/institutions/federation-university-australia-780">Federation University 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/how-a-secret-plan-50-years-ago-changed-australias-economy-forever-in-just-one-night-209378">original article</a>.</em></p>

Money & Banking

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Queensland proposes ban on certain dog breeds

<p>Queensland is proposing stricter laws in a bid to bring down the number of dog attacks in the state.</p> <p>The laws would include increased jail time for owners after dog attacks, the potential banning of select breeds and for all dogs to be “effectively controlled” in public.</p> <p>The Palaszczuk government released a discussion paper on June 23 outlining the options as well as a survey asking Queenslanders to speak out about the issue before the legislation is put together.</p> <p>A significant number of dog attacks occurred in the state in April, with three children suffering severe injuries in separate incidents that involved several dogs.</p> <p>The major factor to consider for the paper is whether Queensland should ban animals from the Commonwealth’s restricted breed list, which would make owning them in any capacity illegal.</p> <p>The restricted dog breeds include the pit bull terrier, dogo argentino, fila brasilerio, japanese tosa and the presa canario.</p> <p>Currently, those who seek to own these breeds are required to apply for a permit, but that would be withdrawn if the proposed laws are put into place.</p> <p>The discussion paper says that any changes would include a “grandfather clause” that would allow individuals with a current permit to keep their pet.</p> <p>The government has also proposed to include imprisonment as a maximum penalty for more serious attacks.</p> <p>If an attack causes death or grievous bodily harm to a patron, according to present laws, the owner could be fined up to $43,125 but would not face jail time.</p> <p>“It is proposed to introduce a new criminal offence in the Act that captures conduct of an owner, or responsible person for a dog, who fails to take reasonable steps to effectively control their dog if the dog causes bodily harm, grievous bodily harm or death to a person,” the report states.</p> <p>“Including a proposed new offence for the most serious dog attacks would send a clear message to owners and people responsible for dogs that fail to take reasonable steps to protect people in the community from harm from serious dog attacks will not be tolerated.”</p> <p>The move would bring the state into line with the laws in the ACT, NSW, Victoria, NSW and Western Australia.</p> <p>In NSW, an owner who encourages a dangerous dog to attack another person faces up to five years in prison.</p> <p>Another proposal is to set up a new requirement for dogs to be “effectively controlled” in public, which would ban off-leash dog walking.</p> <p>“Effective control could be defined to include a person who is physically able to control the animal, it is on an appropriate leash and supervised or in a temporary enclosure adequate to contain the animal,” the paper reads.</p> <p>Instant fines would be issued to owners who failed to control their dogs in public and exceptions would be made for designated off-leash areas.</p> <p>Councils are urging for certain breeds to be banned and for tougher restrictions, according to Local Government Association of Queensland chief executive Alison Smith.</p> <p>“Ratepayers would be alarmed to know that Queensland councils are being forced to spend hundreds of thousands of dollars on legal fees because irresponsible owners are using the courts to drag out the fate of these dangerous animals after their dog has been impounded and a destruction order made,” she said.</p> <p>“For too long, irresponsible dog owners have been able to hold the community and councils to ransom. That needs to change.”</p> <p>Agricultural Industry Development Minister Mark Furner is calling on all Queenslanders to participate in the survey to “have their say” on the proposed reforms.</p> <p>“Community feedback on this discussion paper will be vital in drafting new legislation,” he said.</p> <p>“It is so important that we get this right to make sure any new laws meet community expectations.</p> <p><em>Image credit: Getty / Shutterstock</em></p>

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