Category / Research communication

Conversation article – Fossil footprints: the fascinating story behind the longest known prehistoric journey

A prehistoric woman with a child have left behind the world’s longest trackway.
Author provided

Matthew Robert Bennett, Bournemouth University and Sally Christine Reynolds, Bournemouth University

Every parent knows the feeling. Your child is crying and wants to go home, you pick them up to comfort them and move faster, your arms tired with a long walk ahead – but you cannot stop now. Now add to this a slick mud surface and a range of hungry predators around you.

That is the story the longest trackway of fossil footprints in the world tells us. Our new discovery, published in Quaternary Science Reviews, comes from White Sands National Park in New Mexico, US, and was made by an international team working in collaboration with staff from the National Park Service.

The footprints were spotted in a dried-up lakebed known as a playa, which contains literally hundreds of thousands of footprints dating from the end of the last ice age (about 11,550 years ago) to sometime before about 13,000 years ago.

Unlike many other known footprint trackways, this one is remarkable for its length – over at least 1.5km – and straightness. This individual did not deviate from their course. But what is even more remarkable is that they followed their own trackway home again a few hours later.

Photo showing the footprints.
A section of the double trackway. Outward and homeward journeys following each other. Central Panel: Child tracks in the middle of nowhere. Left Panel: One of the tracks with little slippage.
M Bennett, Bournemouth University., Author provided

Each track tells a story: a slip here, a stretch there to avoid a puddle. The ground was wet and slick with mud and they were walking at speed, which would have been exhausting. We estimate that they were walking at over 1.7 metres per second – a comfortable walking speed is about 1.2 to 1.5 metres per second on a flat dry surface. The tracks are quite small and were most likely made by a woman, or possibly an adolescent male.

Mysterious journey

At several places on the outward journey there are a series of small child tracks, made as the carrier set a child down perhaps to adjust them from hip to hip, or for a moment of rest. Judging by the size of the child tracks, they were made by a toddler maybe around two years old or slightly younger. The child was carried outward, but not on the return.

We can see the evidence of the carry in the shape of the tracks. They are broader due to the load, more varied in morphology often with a characteristic “banana shape” – something that is caused by outward rotation of the foot.

Colour depth rendered 3D scans of some of the footprints. Note the distinctive curved shape which seems to be a feature of load carrying.
Bournemouth University., Author provided

The tracks of the homeward journey are less varied in shape and have a narrower form. We might even go as far as to tentatively suggest that the surface had probably dried a little between the two journeys.

Dangerous predators

The playa was home to many extinct ice age animals, perhaps hunted to extinction by humans, perhaps not. Tracks of these animals helped determine the age of the trackway.

We found the tracks of mammoths, giant sloths, sabre-toothed cats, dire wolves, bison and camels. We have produced footprint evidence in the past of how these animals may have been hunted. What’s more, research yet to be published tells of children playing in puddles formed in giant sloth tracks, jumping between mammoth tracks and of hunting and butchery.

Between the outward and return journeys, a sloth and a mammoth crossed the outward trackway. The footprints of the return journey in turn cross those animal tracks.

The sloth tracks show awareness of the human passage. As the animal approached the trackway, it appears to have reared-up on its hind legs to catch the scent – pausing by turning and trampling the human tracks before dropping to all fours and making off. It was aware of the danger.

In contrast, the mammoth tracks, at one site made by a large bull, cross the human trackway without deviation, most likely not having noticed the humans.

The trackway tells a remarkable story. What was this individual doing alone and with a child out on the playa, moving with haste? Clearly it speaks to social organisation, they knew their destination and were assured of a friendly reception. Was the child sick? Or was it being returned to its mother? Did a rainstorm quickly come in catching a mother and child off guard? We have no way of knowing and it is easy to give way to speculation for which we have little evidence.

What we can say is that the woman is likely to have been uncomfortable on that hostile landscape, but was prepared to make the journey anyway. So next time you are rushing around in the supermarket with a tired child in your arms, remember that even prehistoric parents shared these emotions.

Matthew Robert Bennett, Professor of Environmental and Geographical Sciences, Bournemouth University and Sally Christine Reynolds, Principal Academic in Hominin Palaeoecology, Bournemouth University

This article is republished from The Conversation under a Creative Commons license. Read the original article.

Conversation article: Five ways to increase protein intake as we age

Two older women eat lunch together.

Protein is an essential part of a healthy diet. It helps us build and maintain strong muscles and bones, helps us better recover from illness and injury, and reduces likelihood of falls and fractures. But, as we age, many of us don’t get enough protein in our diet. This is partly because our appetites diminish naturally as we get older. Convenience, effort, and value for money, are also reasons that older adults may not get enough protein.

However, protein is extremely important as we age. This is because our bodies become less able to convert the protein we eat into muscle and other important biological factors that help us better recover from illness and injury – so we actually need to eat more protein as we get older.

Here are five tips to help you get enough protein in your diet as you age.

1. Add sauces and seasonings

Research shows that the taste and flavour of high-protein foods can encourage older adults to consume more of them. And taste and flavour are easily added with sauces and seasoning.

In studies where we have offered older adults a hot chicken meal either with or without sauce or seasoning, we find more chicken was eaten from the meals with sauce or seasoning compared to plain meals. Meals with sauces and seasonings were also rated as more pleasant and tastier than the plain meals.

Adding sauces and seasonings to meals can increase the consumption of high-protein foods. Participants also subsequently ate equal amounts of protein at the next meal following flavoured meals and plain meals, meaning that their protein intake was increased overall.

2. Add cheese, nuts or seeds

Some foods that add flavours are naturally high in protein themselves. Good examples are strong cheeses – like blue cheese – as well as nuts and seeds.

As well as protein, cheese is full of calcium and other micronutrients, including Vitamins A, D and B12, which also help maintain strong bones. Cheese can be easily added to soups, salads, pasta or mashed potatoes.

Nuts and seeds can be added to breakfast cereals, salads and desserts such as yoghurts, and can provide an interesting texture as well as added flavour. Nuts and seeds are good sources of plant-based protein, and are also high in healthy fats, fibre, and many vitamins and minerals, and can reduce risk of many chronic conditions, such as cardiovascular disease and type 2 diabetes. However, nuts and seeds may not be suitable for everyone (as they can be difficult to chew), but cheese is soft and full of flavour.

3. Eat eggs for breakfast

Breakfast meals tend to be low in protein – so eating eggs for breakfast is one way to boost protein intake.

Our recent study found egg intake could be increased by providing people with recipes and herb or spice seasoning packets that increased the taste and flavour of eggs. We gave participants recipes that used both familiar and exotic ingredients, from a variety of countries, for dishes that required a range of preparation methods. Egg intakes increased after 12 weeks by 20%, and were sustained for a further 12 weeks in those who had received the recipes.

Fried eggs in a pan.
Eggs for breakfast are an easy way to get more protein. Mary Volvach/ Shutterstock

Eggs are a nutritious source of protein, and are typically easy to prepare and chew, good value for money and have a long shelf life. Egg dishes can also add taste and flavour to the diet. However, eggs may not be suitable for everyone (including those with certain diagnosed conditions), but for most people egg consumption is considered safe.

4. Make it easy

Try to make cooking as quick and easy as possible. Many types of fish are available that can be eaten directly from the pack, or simply need heating – such as smoked mackerel or tinned sardines. Fish is also full of many vitamins and minerals, as well as omega-3 fatty acids (which are present in oily fish like salmon) which is good for heart health. To allow easier and quicker cooking, purchase meat that is pre-cut, pre-prepared or pre-marinated, or fish that has been deboned and otherwise prepared, and then make use of your microwave. Fish can be very easily and quickly cooked in the microwave.

Beans, pulses and legumes are also easily bought in cans and ready-to-eat, and are all rich sources of protein for those who wish to consume a more plant-based diet. They also contain fibre and many vitamins and minerals, and can protect against many chronic conditions including cardiovascular disease, diabetes and some cancers.

5. Eat high-protein snacks

Many people reach for biscuits or a slice of cake at snack time, but try eating a high-protein snack instead next time. Many high-protein foods are already prepared and easy to consume. Some examples include yoghurts or dairy-based desserts – such as crème caramel or panna cotta. Yoghurts and other dairy-based desserts can offer many health benefits, including improved bone mineral density, as necessary for strong bones. Nuts, crackers with cheese, peanut butter, or hummus are also great choices.

Inadequate protein intake can result in poor health outcomes, including low muscle mass and function and decreased bone density and mass, leading to increased risk of falls, frailty, and loss of mobility. To avoid these harms, researchers currently recommend consuming 1.0-1.2g protein per kilogram of bodyweight for older adults compared to 0.8g of protein per kilogram of bodyweight for all adults.

 

Professor of Psychology, Bournemouth University

Lecturer of Psychology, Bournemouth University

This article is republished from The Conversation under a Creative Commons license. Read the original article.

SWEEP EXPO event 20-22 October 2020

The South West Partnership for Environmental and Economic Prosperity (SWEEP) is now 3 years into its 5-year NERC-funded programme. With over 20 diverse projects under its umbrella, the SWEEP team are keen to share some of the results and success they have achieved to date in their mission to support the adoption of natural-capital led strategies and investments in the South West and beyond.

 

SWEEP are hosting a virtual ‘Natural Capital in the South West’ Expo over 3 days, 20-22nd Oct 2020, where attendees can ‘pick and mix’ from a range of themed sessions focusing on Natural Capital approaches for marine, land, coastal change and whole-catchment settings. There’s also a session which will explore the importance of Natural Capital for a green recovery. The event will be of interest to all those involved in managing the natural environment, and specifically how it can be protected and enhanced whilst also producing gains for business, government and society. Register for this free online event.

Call for Abstracts | The 12th Annual Postgraduate Research Conference

I am delighted to announce that the call for abstracts for The 12th Annual Postgraduate Research Conference is now open.

The Annual Postgraduate Research Conference is an opportunity for postgraduate researcher to showcase and promote their research to the BU community whether they have just started or are approaching the end of their journey at BU and this year we are going virtual.

Attending the conference is a great opportunity to engage and network with your PGRs and the wider PGR community and find out more about the exciting and fascinating research that is happening across BU.

For our 12th Annual Postgraduate Research Conference we will be hosting oral presentations via Zoom and showcasing research posters virtually on the website and the research and Faculty blogs.

How to apply guidance and the application form can also be found on the conference webpage.

I look forward to receiving the applications and hopefully seeing many of you at the conference.

Keynote speaker and registration coming soon. 

Conversation article: Nurses are on the coronavirus frontline, so why are they being left out of the response?

More than 600 nurses worldwide have died from COVID-19 during the pandemic. This should not be a surprise: we are the largest group of healthcare workers in the world, dedicated to preventing the spread of coronavirus, and we are also engaged in caring for those who are suffering.

But although we are on the frontline of this crisis, nurses are too often being left out of responses to the pandemic.

Uniquely at risk

In the UK and other countries with high rates of coronavirus deaths, there are increasing inequalities in health outcomes for different income groups. In England and Wales, the mortality rates from COVID-19 in the most deprived areas are more than double the least deprived.

In general, the risk of ill health increases for people who live on a low income. Common health issues that affect these groups include high blood pressure, coronary heart disease, lung disease, type 2 diabetes and obesity. All of these put people at higher risk of becoming sicker and dying from COVID-19. Death rates are highest among people from Black, Asian and minority ethnic backgrounds.

These communities are also disproportionately represented among nursing staff some of whom are living on the lowest wages.

Lacking equipment

Nurses working in hospitals, care homes and within communities are often put at greater risk from COVID-19 because they have not been given adequate personal protective equipment, or PPE.

A study of nearly 100,000 health workers in the UK and US found that people working on the frontline of the coronavirus pandemic were three times more likely to test positive for the disease than the general community. Health workers from a Black, Asian or minority ethnic background were found to be five times more likely to test positive than white people who did not work in healthcare. Workers who reported a lack of adequate PPE in their healthcare institutions were at greater risk still.

Another study by the UK’s Royal College of Nursing, meanwhile, found that more than half of Black, Asian and minority ethnic respondents have felt pressure to work without the correct PPE compared to just over a third of other respondents. These groups were also asked to reuse PPE more frequently than their white counterparts.

Denied a voice

It’s a painful irony that as nurses battle against the coronavirus pandemic, 2020 is the World Health Organization’s Year of the Nurse and Midwife which was supposed to raise the profile and perceptions of nurses globally.

But the response to the pandemic in the UK has starkly shown that our expertise and experience as a profession is not being called upon and our potential is not recognised. We are the biggest work force for health in the UK working in hospitals, care homes and community settings to care for those with COVID-19 and help prevent its spread yet we have no representation on the official scientific advisory group (SAGE), which advises the government on its coronavirus response. Nor are we represented on the rival Independent SAGE group.

Our role in policy development and planning is negligible despite the invaluable insights our unique position in health systems gives us. Our lack of representation and reward means that we are also suffering from the impacts of inequalities along with those we care for.

Given the chance, nurses could help guide coronavirus policy in a number of ways. First, by being a witness to the health impacts of COVID-19 on our local communities and staff, recording and researching inequity of access to services. Second, we can advise on how to provide prevention and treatment resources to those most at risk. Finally, we can set a positive example in terms of equality of opportunity, fair working conditions, protection from infection and pay. This could start with ensuring equal provision of PPE for all staff.

Nurses are at the forefront of trying to reduce existing health inequalities which are being made worse by COVID-19. We are also victims of those inequalities – a feminised, racialised workforce dealing with poor conditions and lacking a political voice. Care and prevention of disease are not perceived as being as important as finding a cure or a vaccine, but in the global recovery from COVID-19, all these elements are equally vital.

We have already lost too many colleagues in the fight against this disease. It’s time our work is recognised and we are given an official voice to help us all recover from the coronavirus pandemic.

Ann Hemingway, Professor of Public Health, Bournemouth University

This article is republished from The Conversation under a Creative Commons license. Read the original article.

Conversation article: How Airbnb got its IPO plans back on track

Airbnb is gearing up for its long-awaited IPO.
Shutterstock.com

Michael O’Regan, Bournemouth University

It’s been a rollercoaster year for Airbnb and its much-anticipated plans for an initial public offering or IPO. The home sharing platform had planned to file back in March to go public but then coronavirus hit and its revenue nose-dived.

Now, it looks like plans are back on track. Airbnb confidentially filed its IPO paperwork with the securities and exchange commission in mid-August. None of the financial specifics were revealed but the company was valued at US$18 billion in its last funding round in April, which is a long way down from its previous 2017 valuation of US$31 billion.

Of course, like the entire tourism industry, the coronavirus pandemic has had an enormous effect on Airbnb’s finances. New bookings stopped, cancellation rates soared, refunds to hosts and guests cost millions and revenue fell, even as cost cutting measures like layoffs were implemented. To help mitigate this, it was forced to fundraise US$2 billion in debt and equity securities in April 2020 with onerous terms.

So the decision to file its IPO paperwork and potentially list in 2020 was surprising to some. Critics point to the ongoing pandemic and the many issues it continues to throw up: the hosts and guests that have been angered by changing cancellation policies, new laws and regulations in cities seeking to reclaim housing for locals, as well as the falling revenue and ongoing losses. Others point to the lacklustre IPOs from sharing economy bedfellows Uber and Lyft in 2019, not to mention WeWork’s fall from grace.

Reasons to IPO

But there are lots of reasons to go public, including pressure from employees (shares held by early employees will expire this year). But another big motivation is the fact that Airbnb has rebounded better than its competitors from coronavirus. Booking rates were above expectations from June 2020 onwards and the Airbnb model could take advantage of changing host and tourist behaviour during the pandemic.

The company’s overheads are far less than the hotel sector due to its limited fixed costs. It also took advantage of the rise in domestic staycations in rural locations across the globe, and the increased demand for countryside retreats where people could safely socially distance. Unlike hotels, short-term rentals tend to facilitate longer stays and can offer full-service amenities, living space, and gardens. Research shows that the more spacious environments of short-term lets have been popular with holidaymakers and people wanting to work from home elsewhere.

Despite broad marketing cuts to reduce losses, Airbnb has strong brand recognition through past campaigns like “Don’t go there. Live there” that tapped into people’s desire to not just visit a place but have a more authentic experience of it. This helped it become the go-to platform for short-term rentals during the pandemic.

Hosts in rural areas also responded to the demand by listing. Meanwhile urban hosts responded by switching their properties to private rental, or dramatically reducing prices.

Airbnb logo held by a hand in front of wooden hut in countryside.
Rural retreats have risen in popularity.
AlesiaKan / Shutterstock.com

While the broader tourism and hospitality sector is weak, perhaps Airbnb sees this stage of the pandemic as its time to shine and push ahead with its IPO. Plus, stock markets in the US are on a record high, fuelled by stimulus from Washington.

Questions remain

Questions remain for Airbnb, however. In particular, when will travel behaviour revert to business as usual, if ever? This will determine whether current bookings growth will lead to profitability.

Then there are the safety issues that have dogged the company for years and played a big role in Airbnb’s loss of profitability in 2019. It spent US$150 million on safety initiatives, including verifying the accuracy of listings, creating a 24/7 safety hotline and even tied employee bonuses to safety.

There is also the threat of more tax and regulation in major markets, which could emerge as authorities seek new revenue to pay for the effect of coronavirus on their economies. The basis of the favourable market conditions are also open to question, as there is concern that the current strength of the stock markets isn’t based on strong economic fundamentals and is a bubble that’s waiting to burst.

Success in the tourism industry is never a given. Airbnb will be all too aware of this, having totally disrupted the hotel industry. Airbnb has more than 7 million listings – dwarfing the largest hotel chain, Wyndham Worldwide, which has 8,000 hotels. But rather than seeing this as a burden, Airbnb is capitalising on it.

But for all its market positioning as a different kind of travel provider – one that offers unique, authentic and personalised experiences – Airbnb still sits firmly with the tourism sector. Like its competitors, its success still depends on post-pandemic travel rebound.

Michael O’Regan, Senior Lecturer in Events and Leisure, Bournemouth University

This article is republished from The Conversation under a Creative Commons license. Read the original article.

Conversation article: Why the UK government is paying social media influencers to post about coronavirus

biD LTasgY/unsplash

Elvira Bolat, Bournemouth University

Social media influencers are often seen as lazy freelancers who make a living being paid to pretend they like products. But these “celebrities’” are more than just marketing vehicles. If used properly, they can be effective agents of positive social change.

Yet the UK government has taken a bold step by working with influencers to try to stop the spread of coronavirus. It has paid several social media influencers and reality TV stars to promote the NHS test and trace service – the system used when someone tests positive for COVID-19 to work out who else might be at risk after coming in contact with them. The service relies on local public health teams contacting those that may be potentially infected to ask them to self-isolate and test for the virus. However, to date, the service is failing to deliver. This is for many reasons, one of which is the public’s reluctance to share their contact details.

When the system failed to reach its target for the ninth week in a row, the government decided to change strategy. This is when it brought in social media players such as Love Island stars Shaughna Phillips, Josh Denzel and Chris Hughes. Phillips, who has 1.5 million followers on her Instagram, posted a photo of her with a friend, reminding her followers that “the best way for us all to get back to doing the things we love” is by getting tested for coronavirus. She reminded fans that the test and trace service is “totally free, quick and is vital to stop the spread of coronavirus” and told them about her experience of using the testing service.

Phillips, just like other influencers involved in this campaign, was paid for her posts. While the government hasn’t revealed how much was spent on the campaign, it claims “over 7 million people have been reached” with the messages.

Typically a mega influencer who has more than a million followers will be paid around £10,000 per post so, of course, there was a debate about whether taxpayers’ money should be used in this way.

However, the right public health messaging doesn’t always reach young people. They are often less engaged with mainstream traditional communication channels such as TV, radio and press. Paying popular influencers to promote credible public health messaging is a genuine alternative if the government wants to reach young people.

Powerful but ordinary

The impact social media influencers have – on young people in particular – is beyond doubt. And their clout is particularly strong now that we’re spending more time at home online.

Of course, their power is most readily associated with commercial interests. The rise of the influencer has transformed the beauty and fashion industries beyond recognition. Finding the right star to endorse your product on their Instragram or TikTok feed, can make or break a brand these days.

They achieve these results by presenting themselves as an approachable “friend” to their social media followers. They have a greater than average potential to influence others because they build a special, intimate bond with their followers by posting content very regularly and communicating with their audience directly. When a fan leaves a comment on an influencer’s post and receives a reply, they feel like they have a relationship with them, which reinforces the influencer’s ability to market products.

In our survey of 465 young people, we found that social media influencers’ content and their “authentic” behaviours are linked to consumers’ tendencies to buy products spontaneously without reflection.

Unlike traditional celebrities, who often keep their private lives behind closed doors, social media influencers discuss personal experiences, good or bad, with their followers. They see such sharing as more sincere and trustworthy than content coming from elsewhere.

Beyond these commercial activities, however, influencers have more recently been seen pushing followers to engage with social issues. Audiences are interested in influencers who engage in activism and who take a stand on issues. This has been particularly in evidence during the Black Lives Matter movement, when fans looked to social media stars for meaningful statements and positions and even demanded it of them when they were not forthcoming.

In our work around relationships between influencers and followers, we have found that many young people are interested in social media stars who seek to drive change rather than just sell products. This, combined with the personal approach, is what makes influencers an attractive prospect for a government trying to reach young people. If someone like Phillips talks about test and trace on Instagram, young people are likely to react and act.

The World Health Organization has been using influencer marketing techniques in its coronavirus messaging since April. It has gone a step further by using a CGI influencer called Knox Frost to “get accurate, vetted information about COVID-19 in front of millennials and Gen Z”. The computer-generated 20-year-old has been posting to just under a million Instagram followers about coronavirus safety and raising funding for the WHO.

In times when the economy is suffering, many might question why the UK government is paying social media stars to promote test and trace services. In reality, spending of this kind has enormous potential to deliver a positive impact. As our studies show, influencers are powerful in shaping the behaviour of their followers. Until now, this was mainly done in the commercial sphere to drive consumption, but now we are seeing more positive uses for their high profiles.

Elvira Bolat, Principal Academic in Marketing, Bournemouth University

This article is republished from The Conversation under a Creative Commons license. Read the original article.

PGR Peer Support Brightspace Unit

The PGR Peer Support area has just been launched and is now accessible for PGRs from your Brightspace homepage. The area will provide a forum to connect with others, ask questions and share advice about the PGR journey.

Within the PGR Peer Support area, under the heading of Peer-led Content, there is a series of interviews with current PGRs and graduates from BU. These video blogs will shed some light on the research milestones and common challenges.

In addition to this, there are Discussion Boards where you can ask questions or respond to others, post information about key events or calls for research participants too. There is also a Frequently Asked Questions tab, this will be populated with common questions from the discussion boards. This will create a repository of key questions with useful links to quickly solve small queries.

Please explore the area and engage with other PGRs. If you have any questions or suggestions for additional content you would find useful, please email Chloe Casey at ccasey@bournemouth.ac.uk.

Early Career Researcher – NERC Paleo Seminar Series

From 8th September, the Natural Environment Research Council (NERC) are launching a weekly zoom for early career researchers working in the broad field of Paleo sciences.

PERCS (Paleo EaRly Career Seminars) is a weekly seminar series that promotes and features work by Early Career Researchers in a range of paleo sciences including paleontology, paleoecology, paleoceanography and paleoclimatology. While the speakers will be Early Career Researchers, the seminar is for people at every career stage. PERCS take place on Zoom, and consist of a live streamed short (~30 min) seminar followed by a Q&A session and an opportunity for small group discussion and networking with other attendees using break-out rooms. Recordings of most PERCS will be available to participants unable to attend live seminars. Seminars are (mostly) weekly on Tuesdays at 1500 UTC. PERCS are intended as a venue to share research, strengthen our global community, and facilitate collaboration between the Palaeo sciences. All palaeo-researchers and fans (regardless of career stage) are enthusiastically welcome.

NERC strive towards diversity, equity, inclusion and accessibility with a diverse line-up of speakers from around the world, and a strong commitment towards fostering an inclusive environment. They also implement live auto-captions, and have both synchronous and asynchronous viewing options.

To be added to the email list that receives seminar invitations and announcements, please review their code of conduct and then sign up through a google form. 

The full schedule of events and the speakers/topics is available on the website. https://paleopercs.com/.

 

Conversation article: the PPI scandal is far from over – here’s why

Shutterstock/kamui29

Julie Robson, Bournemouth University

The PPI scandal led to the largest consumer redress scheme in British history, with over £38 billion paid to claimants to date. The deadline for customers to submit their claims was set at midnight on August 29 2019. But, almost one year later, hundreds of thousands of registered claims remain outstanding. And to make matters worse for the banks, a swathe of new claims have started rolling in.

The Financial Conduct Authority (FCA) hoped the deadline would bring the scandal to an orderly conclusion and offer protection to consumers while helping to restore market integrity. The banks hoped it would enable them to draw a line under it and move on. But the situation seems to be getting worse.

The problem now comes in the form of unfair commission payments. PPI commission rates were deemed to be unfair for two main reasons: when they were too high or when they were kept secret.

When they were too high they accounted for, on average, 67% of the PPI price. In the most serious cases they accounted for 95% of the cost of a PPI policy.

When secret, they were (obviously) undisclosed to the customer. That customer – had they been better informed – may have queried the value of their PPI policy. Especially if they had they known that the majority of the price was not going to the product provider (for example, the insurer underwriting the protection cover for the loan or credit card) but to the bank who sold the PPI policy to them.

Court judgements

Awareness of the unfair commission payments on PPI policies is not new. But recent court decisions mean that customers can potentially claw back all of the commission they have paid and claim after the 2019 deadline.

The issue first came to light in the November 2014 Supreme Court case, Plevin v Paragon Personal Finance Ltd, after which the FCA changed its guidance on what could be claimed as part of the PPI redress scheme. This change enabled customers to claim commission that accounted for over 50% of the price of the PPI policy and became known as the Plevin rule.

Payments to customers were however restricted to commission that was in excess of 50%. In other words, successful claimants only received part of the commission that had been paid to the banks.

A series of other court cases saw the position change again, as claimants were awarded the full commission where the bank failed to disclose large commission payments to the customer. As almost all PPI policies earned high commission rates, this change was significant and opened the floodgates to new claims.

Customers who have received a partial payment, have had their claims rejected or have not claimed so far can now claim, citing the unfair compensation. Even customers who were not mis-sold PPI and were happy with their policy can potentially claim as the high commission payments may not have been disclosed to them.

The potential for new PPI claims based on the unfair commission payments could not have come at a worse time for the banks as they are still facing a backlog of existing claims to process. A survey conducted in March this year found that 60% of PPI claimants had not heard from their bank about the progress of their claim and half of these had not even received an acknowledgement letter.

Banks were overwhelmed by the volume of claims and although the expected time for banks to respond to such claims is typically eight weeks, the FCA managed this expectation by predicting that most claims would be resolved by summer 2020.

Coronavirus disruption

But this deadline was set before COVID-19 disrupted the world and it now appears unlikely to be met. Now many customers remain frustrated that their cases have not been resolved as the new unfair commission charges issue further aggravates and complicates the issue.

The original PPI scandal severely damaged consumer trust in the banks as a lack of integrity was at the heart of the case. PPI mis-selling was something that the banks could have controlled and was an intentional act as the banks placed profits above their customer welfare.

My own research has shown that when trust is damaged by a lack of integrity, it is difficult to restore. The banks needed to display clear evidence of an intention to get rid of negative influences.

For a start, all banks should have immediately apologised for the mis-selling. Some did, but this was only after they lost a high court case trying to overturn the FCAs ruling on PPI mis-selling. The banks really needed to signal to employees the importance of a customer-centered culture and change employee incentive systems to align with long-term performance, rather than short-term profit.

Banks need to embed ethical values into their routine actions and decisions. So far, the evidence is that not all banks have bothered to take such steps.

Julie Robson, Associate Professor Marketing, Bournemouth University

This article is republished from The Conversation under a Creative Commons license. Read the original article.

Conversation article: Going green dramatically benefits businesses

Yoyo Dy/Unsplash, FAL

Jagannadha Pawan Tamvada, University of Southampton and Mili Shrivastava, Bournemouth University

The onset of the pandemic and the ensuing lockdown have imperilled businesses worldwide. It will be tempting for firms to put any commitment to the environment in the back seat as they attempt to recover, especially as some governments reduce requirements and undermine environmental protection.

This is short-sighted: businesses do not have to sacrifice their environmental goals for protecting their growth. Greening initiatives like offering green products or services, introducing green processes internally, hiring employees to promote sustainable practices, or going beyond compliance requirements, can actually help firms.

Using data on 9,236 small and medium businesses in 35 countries across Europe and the US, our research suggests that on average, businesses benefit from going green, although the type of greening that gives the most significant benefit may differ between firms.

Here are four main ways that greening can benefit businesses.

1. Innovative market niches

By offering new green products or services, a business is more likely to cater to an emerging trend or niche market, which can make it more competitive. Frugalpac, a UK-based company that makes paper-based packaging for liquids that cut carbon footprints, received a £2 million investment during the pandemic – a time when most other companies were struggling for finance.

Already seeing widespread success for their recycled paper coffee cup, Frugalpac’s innovative paper wine bottle, also made from 94% recycled paper, has led to new opportunities and partnerships.

Companies focused on sustainability can rapidly expand by catering to new niche markets internationally. Consider D’light, a company that offers innovative lighting solutions for people who do not have access to electricity. The company has transformed the lives of more than 100 million people across 70 countries through its green product offerings while raising US$197 million (£150 million) in investment.

Earlier this year, the Danish energy supplier Ørsted, formerly known as Danish Oil and Natural Gas, was named the most sustainable company in the world. This success followed from its transformation to a green energy supplier – which went hand in hand with accelerated profits.

By catering to new niche markets using green products and services, these businesses have emerged as future leaders in their sectors. Of course, not all companies are suited to finding such niches. But sustainability can be promoted in other ways like green working practices and processes, for example.

2. Employee motivation

Job seekers are increasingly attracted to companies that care for the environment. The employees of firms that promote sustainability are more likely to believe that their employer will care for them, and are more satisfied with their jobs.

Such companies create a higher sense of personal and organisational purpose that makes work meaningful. A recent poll shows that millennials and Gen Z’s are more concerned about the environment than any previous generation. This means they prioritise employers who put sustainability at the forefront.

Millenials and Gen Z’s are more worried about the environment than any previous generations.
LinkedIn Sales Navigator/Unsplash, FAL

By some estimates, companies that follow green practices have a 16% boost in employee productivity. Although establishing a direct causal link can be difficult, some of the greenest companies, such as Cisco, Tarmac or Stantec, are also considered the greatest companies by employees.

3. More engagement

Greening initiatives signal to external stakeholders, such as investors and customers, that a business is committed to doing good. This can lead to increased investment, customers and stakeholder loyalty. This is pertinent in the aftermath of COVID-19 as there is heightened awareness about the need to protect the environment.

For example, highly sustainable companies benefit from superior stock market performance in the long run, according to research looking at American companies in the period 1993-2009. Investors are increasingly questioning firms on their commitment to sustainability, and expecting meaningful steps from them for integrating consideration of such issues into their investing criteria. This is reflected by the tenfold increase in global sustainability investment to US$30.7 trillion by April 2019 since 2004.

More recently, Polysolar, a company that makes glazed windows that generate electricity, has secured more than double the investment it sought on crowdfunding platform Crowdcube. And large companies such as Unilever have benefited from increased stakeholder engagement and loyalty by adopting greening practices and products, addressing a dark history of environmental exploitation.

4. Increased efficiency

Greening processes can result in efficiency gains by reducing energy costs, allowing businesses to secure green tax credits, improving operational efficiency, and embedding circular economy principles internally.

Such gains directly translate into commercial benefits. As many as 75% of UK businesses that invested in green technologies subsequently enjoyed commercial benefits, even if financial concerns pose barriers to making these green investments in the first place. For large companies such as Proctor & Gamble, these gains can run into billions of pounds.

Conversely, in cases where businesses harm the environment, they have to be prepared to incur significant costs. A prominent example is the famous case of Volkswagen, which has even adversely impacted the performance of other German car manufacturers like BMW and Mercedes Benz.

For all these reasons, time is ripe for business to go green.

Jagannadha Pawan Tamvada, Associate Professor in Strategy and Innovation, University of Southampton and Mili Shrivastava, Senior Lecturer in Strategy, Bournemouth University

This article is republished from The Conversation under a Creative Commons license. Read the original article.

Conversation article: The hidden impact of coronavirus on Gypsy, Roma Travellers

Studio 2/Shutterstock

Vanessa Heaslip, Bournemouth University and Jonathan Parker, Bournemouth University

We know well by now that coronavirus does not affect everyone equally. In England and Wales, Black people are four times more likely die from COVID-19 than white people, while people from a Bangladeshi background are twice as likely. Coronavirus has also had a disproportionate effect on people experiencing poverty.

It’s clear that this disease heightens existing inequalities. Some of the most marginalised people in the UK are Gypsy, Roma Travellers, yet they are often left out of research and outreach programmes.

We do not currently know the rates of death and severe illness among these communities. And without better data about their experiences of COVID-19, the true impacts of the pandemic on Gypsy, Roma Travellers could remain dangerously hidden.

Health inequalities

Gypsy, Roma Travellers are not a homogeneous group, but rather consist of different communities with diverse needs. Even within the same community group, there can be many varied experiences of living through the pandemic depending upon personal, social and environmental factors.

That said, research indicates that the continuing COVID-19 pandemic will be extremely challenging for many individuals within the disparate communities.

The last census in 2011 noted that 76% of Gypsy, Roma Travellers in England and Wales lived in houses or apartments. This offers the least challenging experience, as people have access to basic amenities such as electricity, gas, sanitation and water supplies.

Those living in caravans, however, are likely to experience more difficulties. A 2019 Houses of Commons briefing paper noted there were 22,662 Traveller caravans in England, of which 57% were on private sites, 29% were on local authority sites and 14% were on caravan sites. There are increased challenges for those living on these sites during the pandemic, including accessibility of gas bottles, sewerage and obtaining fresh water. Those living on unauthorised sites experience the most significant problems, especially in accessing suitable sanitation and waste disposal.

Discriminatory policies towards these communities have meant that sites, whether they are provided by a local authority or privately run, are more likely to be located close to motorways, major roads, railways, refuse tips, sewage works and industrial estates, all of which are damaging to the health of people who live there. It is perhaps not surprising therefore, that Gypsy, Roma Travellers have a worse health status than the wider community average, dying between seven to 20 years earlier than the rest of the population.

A review across five regions in England and Wales noted that 66% of Gypsy, Roma Travellers had bad, very bad or poor health. Poor air quality, proximity to industrial sites, asthma and repeated chest infections in children and older people were noted in around half of all interviews undertaken for the review. Health access is incredibly difficult for people in these communities, which means that such problems are often not picked up until much later in the illness trajectory, leading to poorly managed chronic conditions.

As COVID-19 is primarily a respiratory disease, this places Gypsy, Roma Travellers in a precarious position – many will meet the criteria for high or moderate risk.

The impact of social distancing

As well as physical health impacts, we also know that there are mental health consequences that come from the COVID-19 pandemic. These too are likely to disproportionately affect Gypsy, Roma Travellers.

These communities often have a very strong family culture, and many live in large, extended family groups. This culture is an important protective mechanism against the harsh stigma and discrimination they face in wider society.

A desire to roam and travel is also deeply embedded as a core part of the identity of Gypsy, Roma Travellers. The distancing measures enacted in response to coronavirus reduce social contact within communities as well as people’s ability to be nomadic and roam. Both of these factors have implications for the long-term mental health and well-being of people within these communities in which mental ill-health is on the increase.

A lack of data

As well as widespread stigma, a major difficulty in truly understanding the impact of coronavirus on Gypsy, Roma Traveller communities is a lack of systematic data collection.

While Gypsy, Roma Travellers were recognised as a distinct ethnic minority category in the last census, the NHS does not currently incorporate this category into their ethnicity data. As such, individuals are not identified in health services as originating from these communities. Nor are they included as a specific ethnicity in Public Health England’s reports on COVID-19 health disparities. Instead they are merged into the category of “any other white background”.

Unless this is addressed at a national level, the health impact of coronavirus on these marginalised communities will remain hidden.

Vanessa Heaslip, Principal Academic Nursing, Bournemouth University and Jonathan Parker, Professor of Society & Social Welfare and Director of the Centre for Social Work and Social Policy, Bournemouth University

This article is republished from The Conversation under a Creative Commons license. Read the original article.

HRA UPDATE: guidance on undergraduate and master’s research projects

Please see below for an update from the Health Research Authority surrounding the review of undergraduate and master’s research projects.

‘Back in March the HRA and devolved administrations announced we had decided to stop reviewing applications for individual undergraduate and master’s student projects until further notice while we prioritised the urgent review of COVID-19 studies. This was also due to the significant pressure on the NHS/HSC, limiting its ability to participate in research studies unrelated to COVID-19.

As the lockdown eases, we wanted to update students, supervisors and HEIs on our current position in relation to student research and ethics review. For now, our existing position of not reviewing applications for individual undergraduate and master’s student projects will remain in place. This means that any student project requiring approvals will not be able to proceed. Any students with approved studies are reminded to check with the relevant NHS/HSC organisations locally about whether or not their projects may continue.

In the autumn we will publish our proposed new guidelines for student research for consultation in use. Students, research supervisors and HEIs will be invited to share their opinions and help shape our framework.

You can find more information on our current position on our website: https://www.hra.nhs.uk/planning-and-improving-research/research-planning/student-research/