Letter

Eviction fiction? $15 million FTC-CFPB settlement with Trans Union and tenant screening subsidiary underscores importance of FCRA’s “maximum possible accuracy” requirement

Retrieved on: 
Thursday, April 25, 2024

Eviction fiction? $15 million FTC-CFPB settlement with Trans Union and tenant screening subsidiary underscores importance of FCRA’s “maximum possible accuracy” requirement“Reasonable procedures to assure maximum possible accuracy” isn’t a wish, a hope, or a lofty aspiration.

Key Points: 

Eviction fiction? $15 million FTC-CFPB settlement with Trans Union and tenant screening subsidiary underscores importance of FCRA’s “maximum possible accuracy” requirement

  • “Reasonable procedures to assure maximum possible accuracy” isn’t a wish, a hope, or a lofty aspiration.
  • A proposed $15 million FTC-CFPB settlement with Trans Union and its subsidiary TransUnion Rental Screening Solutions underscores that fundamental legal principle.
  • Operating under Tran Union’s management and oversight, TransUnion Rental Screening Solutions (TURSS) provides background screening reports about consumers to rental property owners, property management companies, employers, and other background screening companies.
  • Misinformation in eviction records can result in longer searches for a place to live, additional application fees, possible expenses for temporary housing, and higher rent payments.
  • What’s more, the proposed order will impose far-reaching changes in how TURSS and Trans Union do business.

Are race-conscious scholarships on their way out?

Retrieved on: 
Tuesday, April 23, 2024

The review comes after Dave Yost, the state’s attorney general, advised administrators in a call that using race as a factor to award funds may be unconstitutional.

Key Points: 
  • The review comes after Dave Yost, the state’s attorney general, advised administrators in a call that using race as a factor to award funds may be unconstitutional.
  • The day after the Supreme Court’s decision, he had signaled that schools should clamp down on race-conscious programs.
  • He warned that “disguised” race-conscious admissions policies are still race-conscious admissions policies.

Targeting racial criteria

  • Officials at the universities of Kentucky and Missouri eliminated consideration of race in scholarships and grants.
  • This raises a question that goes beyond Ohio: Are scholarships that use race as part of their criteria a thing of the past?
  • To figure that out, administrators may have to go back to the source: the 2023 Supreme Court decision.

Diversity and the ‘strict scrutiny’ test

  • In 2003 and again in 2016, the court ruled that a diverse student body is a compelling interest.
  • But in 2023, Harvard and UNC weren’t able to pass the strict scrutiny test.
  • But this overlooks two important facts: The Supreme Court did not rule that diversity can never be a compelling state interest or that race can never be considered.
  • Even race-conscious admissions aren’t completely off the table – if programs can pass the strict scrutiny test.
  • But after the Harvard and UNC decision, even these programs will need to explore other ways to achieve diversity.
  • MIT and Stanford Law are among the programs already using criteria such as income, ZIP code and civic engagement to maintain diversity.

More challenges ahead

  • In contrast, some campus leaders and lawyers argue that the court’s decision should be limited to race-conscious admissions.
  • They argue it should not include other programs where race might be used as a factor.

Tips for prospective students and their parents

  • Students can also take the following steps: • Stay informed: Follow the news to find out whether changes in state laws or policies will affect scholarship opportunities.
  • • Talk to financial aid administrators: Connect with advisers in the school’s financial aid office to learn how they interpret the Harvard/UNC decision.


The authors do not work for, consult, own shares in or receive funding from any company or organization that would benefit from this article, and have disclosed no relevant affiliations beyond their academic appointment.

The murder of Giacomo Matteotti – reinvestigating Italy’s most infamous cold case

Retrieved on: 
Tuesday, April 23, 2024

He is on a secret mission to meet representatives of Britain’s ruling Labour party – including, he hopes, the recently elected prime minister, Ramsay MacDonald.

Key Points: 
  • He is on a secret mission to meet representatives of Britain’s ruling Labour party – including, he hopes, the recently elected prime minister, Ramsay MacDonald.
  • The 38-year-old Matteotti, a tireless defender of workers’ rights, still hopes Mussolini can be stopped.
  • For Matteotti, this new British government – the first to be led by Labour, although not as a majority – is a beacon of hope.

Four days in London

  • Britain’s new prime minister was a working-class Scot who had made his way up via humble jobs and political activism.
  • In contrast, Matteotti hailed from a wealthy family that owned 385 acres in the Polesine region of north-eastern Italy.
  • The team is working with academics from different backgrounds who have been engaged in projects aimed at tackling societal and scientific challenges.
  • But something else may have troubled Mussolini about Matteotti’s visit to London – part of a European tour that also included stops in Brussels and Paris.

Death of a socialist

  • He had reportedly been working on this speech day and night, studying data and checking numbers for many hours.
  • This secret group, known as Ceka after the Soviet political police created to repress dissent, had been following Matteotti for weeks.
  • The squad’s leader, US-born Amerigo Dumini, reputedly boasted of having previously killed several socialist activists.
  • Socialist MPs, alerted by Matteotti’s wife, denounced the MP’s disappearance – but were not altogether surprised by it.
  • For a few days, it appeared that the resulting public outrage – much of it aimed at Mussolini himself – might even bring down Italy’s government, spelling the death knell for fascism.

Why was Matteotti murdered?

  • His death can be seen as one of the most consequential political assassinations of the 20th century.
  • Yet for the Italian right, Matteotti is a ghost.
  • Throughout her political career, Italy’s current prime minister, Giorgia Meloni, has hardly ever spoken about the historical crimes of fascists in Italy, and not once about the murder of Matteotti.
  • The historical debate about the murder has also never reached a unanimous conclusion about who gave the order to kill Matteotti and why.

The LSE documents

  • The story of how the documents came to be secreted away in the LSE library takes us back to London for another clandestine visit – this time by Gaetano Salvemini, an esteemed professor of modern history who fled Italy in November 1925.
  • In December 1926, while still in London, Salvemini received the secret package which he soon passed on to the LSE.
  • But they were driven by the conviction that these documents could one day prove beyond doubt that Mussolini had orchestrated Matteotti’s assassination.
  • Salvemini may thus have considered the LSE a safe haven – and there the documents have remained ever since.

A voice from the dead

  • Rather, the move allowed Mussolini to legislate unchallenged while the seats of the 123 MPs who had joined the rebellion were left vacant.
  • Matteotti’s article, entitled “Machiavelli, Mussolini and Fascism”, was a response to an article published in the magazine’s June issue by Mussolini himself.
  • The Italian prime minister’s translated essay about the Renaissance intellectual Niccolò Machiavelli had carried the provocative headline “The Folly of Democracy”.
  • The article was widely commented on in the British press, which had been following the story of Matteotti’s murder almost daily.
  • His funeral was rushed through very quickly, with the coffin being transported overnight in an attempt to prevent public gatherings.

The end of Italian democracy

  • In a speech to parliament on January 3 1925, he took “political responsibility” for the murder while not admitting to ordering it.
  • Mussolini’s speech ended with a rhetorical invitation to indict him – to a parliament now populated only by fascists.
  • The speech signalled the end of Italian democracy.
  • The nature of Mussolini’s involvement was little discussed in the wake of his execution in April 1945 and the end of the second world war.
  • Was it the evidence of the Mussolini government’s corruption that he planned to reveal to the Italian parliament the day after his kidnap?


For you: more from our Insights series:
India elections: ‘Our rule of law is under attack from our own government, but the world does not see this’

History’s crisis detectives: how we’re using maths and data to reveal why societies collapse – and clues about the future

How a little-known clergyman studying worms by candlelight in the 1700s inspired Charles Darwin – but didn’t get the credit he deserved

To hear about new Insights articles, join the hundreds of thousands of people who value The Conversation’s evidence-based news. Subscribe to our newsletter.

  • He has also received funding from the Fondazione Giacomo Matteotti to study the LSE documents.
  • Gianluca Fantoni does not work for, consult, own shares in or receive funding from any company or organisation that would benefit from this article, and has disclosed no relevant affiliations beyond their academic appointment.

Curious Kids: who makes the words? Who decides what things like ‘trees’ and ‘shoes’ are called?

Retrieved on: 
Tuesday, April 23, 2024

Key Points: 



Who makes the words? Why are trees called trees and why are shoes called shoes and who makes the names? - Elliot, age 5, Eltham, Victoria
Who makes the words? Why are trees called trees and why are shoes called shoes and who makes the names? - Elliot, age 5, Eltham, Victoria

  • Let’s start with the first part of the question: who makes words?
  • Well, there’s no official person or group that’s responsible for making words.
  • Mostly, it’s a matter of reusing words, or parts of words, and transforming them into new products.

Creating words out of ‘tree’ and ‘shoe’

  • One is to add things called “suffixes”, which are letters we add to the ends of words to change their meaning slightly.
  • It’s also possible to combine whole words to make new ones.
  • These types of words are called “compound words” — they are often written as two words (“apple tree”), but sometimes one (“shoelace”).
  • This is when we mix words together (sometimes they’re called “frankenwords”, itself a blend of “Frankenstein” and “word”).


Treerific (“tree” has been squished with “terrific” to convey something wonderful that is related to trees)
Shoenicorn (“shoe” has been squished with “unicorn” to mean an unicorn with magical shoes)

  • Words and parts of words can combine and recombine to create a never-ending number of new words.
  • We can also build words from the first letters of other words.
  • Finally, English is also a word pirate that steals words from other languages — more than 350 in fact.
  • This term for this is “borrowing” — curious, because English has no intention of ever giving these words back!

Early examples of trees and shoes

  • Okay, so what about the second part of the question: why are trees called trees and why are shoes called shoes?
  • Here’s a very early example of “tree” from an ancient poem written more than a thousand years ago.
  • This was spoken about 2,500 years ago, but unfortunately nothing survives of the language, or perhaps people weren’t into writing things down back then.
  • We can go even further back in time to the grandparent of English — a language called “Proto-Indo-European”.

The very beginning of trees and shoes

  • For centuries, people have wondered how words like “tree” and “shoe” were invented.
  • There are lots of ideas around, but we’ll never know for sure because people have been speaking for more than 30,000 years.
  • Remember what we could do earlier with just the two words “tree” and “shoe’!


Kate Burridge does not work for, consult, own shares in or receive funding from any company or organisation that would benefit from this article, and has disclosed no relevant affiliations beyond their academic appointment.

Hateful graffiti blights communities and it’s something we need to tackle urgently

Retrieved on: 
Friday, April 19, 2024

Hateful graffiti and other imagery plague communities across the UK, spreading a toxic message of division.

Key Points: 
  • Hateful graffiti and other imagery plague communities across the UK, spreading a toxic message of division.
  • Such graffiti targets people based on race, religion, sexual orientation, disability and gender identity.
  • This is why we’ve developed an app called StreetSnap to record instances of hateful graffiti and other visuals.
  • The Weiner Holocaust Library and several other locations around London have been targeted by a spate of far-right racist graffiti.

Under-reporting

  • Issues such as war, immigration, people seeking asylum and the rising costs of living are changing and challenging communities.
  • As a result, it is now more important than ever that hateful graffiti and symbols are better understood.
  • But one Australian study showed that hateful graffiti can heighten people’s perceptions of insecurity and fear of crime.
  • Hateful graffiti, whether fuelled by malicious intent or simply ignorance, may have the same destructive effect on individuals, groups and communities.

StreetSnap

  • Our intention is that this will allow for easier communication between various authorities, as well as identification and removal by councils.
  • More importantly, though, the data gathered can be used to identify and understand patterns and help monitor community tensions.


Melanie Morgan is affiliated with Swansea University and is employed through SMART Partnership Grant Funding from Welsh Government. Lella Nouri receives funding from Welsh Government, Bridgend & Swansea Council. She is affiliated with Swansea University and is the Founder of StreetSnap. She also consults Welsh Government on the Anti-Racist Wales Action Plan.

Hard work and happy accidents: why do so many of us prefer ‘difficult’ analogue technology?

Retrieved on: 
Thursday, April 18, 2024

Up two flights of stairs, the music machinery on offer includes brands such as Moog and Buchla, as well as modern euro-racks.

Key Points: 
  • Up two flights of stairs, the music machinery on offer includes brands such as Moog and Buchla, as well as modern euro-racks.
  • (From Michael’s fieldnotes)
    I finally locate the legendary Schneiders Buero, a shop selling analogue synthesizers in Berlin’s Kotti neighbourhood.
  • Up two flights of stairs, the music machinery on offer includes brands such as Moog and Buchla, as well as modern euro-racks.
  • (From Michael’s fieldnotes) As academics who rarely go a day without playing or making music, we have spent the past decade examining the extraordinary revival of analogue technology.
  • This means there are now more analogue options available than at any time since the 1970s, the heyday of the modular format.

The appeal of the slow

  • So we dived in.
  • Eventually, these forays became our formal research project, which has included visiting record fairs and conventions around the world, going on photowalks and attending listening evenings, and meeting an array of diehard analogue communities both on and off line.
  • The team is working with academics from different backgrounds who have been engaged in projects aimed at tackling societal and scientific challenges.
  • And we expect interest in such experiences to rise exponentially in coming years.
  • Recognising our existential need to occasionally slow down can be the basis for winning consumer strategies.
  • Recognising our existential need to occasionally slow down can be the basis for winning consumer strategies.

Saved from demolition

  • Rather than nostalgia, they are turning to film because of its aesthetic values and a greater sense of creative control over their photos.
  • In response, venerable brands including Kodak, Polaroid and Leica have re-emerged – in some cases, almost from the dead.
  • We literally saved it from demolition at the very last second in 2008.
  • We literally saved it from demolition at the very last second in 2008.
  • He said luxury brands such as Gucci are particularly keen on using film photography as this gives their promotional material a different look.

Work, effort, meaning

  • When it was conceded that digital probably was better for wildlife photography, James cut in:
    That’s to miss the point!
  • The sound might be better but you miss seeing the work that went into the performance, the effort of the players and their crew.
  • Work, effort, meaning – these ideas are all interconnected for users and consumers of analogue technology.
  • However, when asked to compare the two, they talk about the greater weight and meaning they give to their analogue experiences.
  • I think it is the quality of the human voice; it does feel more like someone’s speaking to me.
  • And part of what makes this possible is the process of analogue recording, in which all the sounds being made, including the unscripted noise of the recording process itself, are captured in the final track.
  • To facilitate this sound, some musicians have even started setting up their own pressing plants, such as Jack White’s Third Man Pressing in Detroit.

The joy of happy accidents

  • Half of what you do trying to make music is like a happy accident that ends up sounding better than what you intended.
  • When we started, we didn’t have that technology, so we made mistakes and some of them were happy accidents, resulting in iconic tracks.
  • When we started, we didn’t have that technology, so we made mistakes and some of them were happy accidents, resulting in iconic tracks.
  • It’s these happy accidents that we love.
  • It’s these happy accidents that we love.
  • For example, the opening bass part of Cannonball, the 1993 song by US Indie band the Breeders, accidentally starts in a different key.
  • Bass player Josephine Wiggs began playing the riff one step down, then fixed it when the drums came in.

Digital technology is de-skilling us

  • Over the decade or so of our research, explanations for the analogue revival have shifted from nostalgia, to the desire for something physical in a digital age, to the sense that analogue technology is creatively preferable.
  • Is digital technology de-skilling consumers, leading to a sense of alienation?
  • Using analogue technology is another way consumers can feed this desire to re-skill.
  • Rob told us how his love of music had turned sour with the “sheer ease” of digital, starting with CDs and the MP3 player – and how vinyl had reinvigorated him.
  • For him, the problem came when listening on digital devices without the “sides” of vinyl albums, and then on music streaming platforms whose digital algorithms preference popular tracks.

‘This song sucks’

  • These are the people who want to stretch and break the rules and trigger the happy accidents that create something altogether new.
  • For example, photographers who seek more creative expressions by pre-soaking or “souping” their camera film in lemon juice, coffee, beer, or even burning it.
  • And among this group, connecting digital and analogue technology is also common – combining two completely different systems to generate even more possibilities.
  • Film director Denis Villeneuve’s first instalment of Dune (2021) was initially shot on digital, then transferred to film, before being re-digitised.
  • By combining the two, Villeneuve got a film that, in his words, has a “more timeless, painterly feel”.


For you: more from our Insights series:
How music heals us, even when it’s sad – by a neuroscientist leading a new study of musical therapy

The artist formerly known as Camille – Prince’s lost album ‘comes out’

Beatrix Potter’s famous tales are rooted in stories told by enslaved Africans – but she was very quiet about their origins

To hear about new Insights articles, join the hundreds of thousands of people who value The Conversation’s evidence-based news. Subscribe to our newsletter.
The authors do not work for, consult, own shares in or receive funding from any company or organisation that would benefit from this article, and have disclosed no relevant affiliations beyond their academic appointment.

Scotland is ditching its flagship 2030 climate goal – why legally binding targets really matter

Retrieved on: 
Thursday, April 18, 2024

The target was statutory, meaning it had been set in law in the Emissions Reduction Targets Act of 2019.

Key Points: 
  • The target was statutory, meaning it had been set in law in the Emissions Reduction Targets Act of 2019.
  • Scotland is still subject to the 2030 carbon target for the UK as a whole.
  • The consistent implementation of the existing targets, in other words, is the difference between meeting the Paris objectives and condemning the planet to dangerous climate change.

Legally (but not literally) binding

  • In 2017, Sweden was the first major economy to enact a statutory net zero target.
  • Its net zero target is complemented by a series of intermediate steps: five-yearly carbon budgets, which are also legally binding.
  • Legal scholars have long known that, even though the targets are legally binding, they would be difficult to enforce against an unwilling government.

Governments in the dock

  • The plaintiff was the environmental law charity ClientEarth, which remains dissatisfied with the strategy and returned to court in February 2024.
  • If successful, such a move would be the latest in a series of court cases in which judges have ordered governments to scale up their climate ambitions.
  • The political embarrassment of missing a statutory target, or being subject to a court case, can focus the mind.
  • A review of the UK Climate Change Act found that civil servants were petrified about the threat of a judicial review.
  • Scotland’s decision to abandon its 2030 climate ambition is the most brazen violation of a statutory climate target yet.


Don’t have time to read about climate change as much as you’d like?
Get a weekly roundup in your inbox instead. Every Wednesday, The Conversation’s environment editor writes Imagine, a short email that goes a little deeper into just one climate issue. Join the 30,000+ readers who’ve subscribed so far.
Sam Fankhauser receives funding from the University of Oxford's Strategic Research Fund for Oxford Net Zero and the UK Economic and Social Research Council (ESRC) for the Place-based Climate Action Network (PCAN).

Feedback on the input provided by the European Parliament as part of its resolution on the ECB’s Annual Report 2022

Retrieved on: 
Thursday, April 18, 2024

Beyond managing related risks, the financial sector can also contribute to the transition toward a net-zero economy.

Key Points: 
  • Beyond managing related risks, the financial sector can also contribute to the transition toward a net-zero economy.
  • Our work aims to enhance data transparency in climate change analysis, while informing monetary policy, financial stability and banking supervision.
  • The indicators we have developed focus on the euro area financial sector and are built from harmonised granular datasets.

An economist explains: Textbook economics is badly flawed when it comes to climate change

Retrieved on: 
Wednesday, April 10, 2024

But economists are hardly infallible experts on the carbon tax and other fiscal measures implemented by governments.

Key Points: 
  • But economists are hardly infallible experts on the carbon tax and other fiscal measures implemented by governments.
  • While the carbon tax increase kicked in, the Alberta fuel tax was hiked by 13 cents the same day.
  • In other words, the carbon tax has been a blessing for Smith as she deflects attention away from her own government’s role in raising gas prices.

Double standards

  • For instance, some homeowners have blamed the carbon tax for higher electricity bills in Alberta, ignoring the fact that the carbon tax does not apply to the electricity sector.
  • Double standards abound on the carbon tax.
  • While protesters chant “Axe the tax,” they ignore that fossil fuel subsidies cost them more than the carbon tax.

Textbook economics backs carbon tax

  • As an economics instructor, a key lesson is that the carbon tax is the least costly method to address carbon emissions.
  • In my pedagogical paper on climate change, I refer to McGill University economist Chris Ragan, who states that the carbon tax is more efficient than regulation.
  • But the carbon tax incentivizes investment in new technologies to limit the tax payment.

The limits of textbook economics

  • The way textbook economics approaches climate change through externalities suggests it’s simply a minor aberration.
  • Energy and raw materials are ignored, which means that biophysical or ecological limits are disregarded in the pursuit of growth.
  • Keen argues that mainstream economics assumes 90 per cent of GDP will be unaffected by climate change.
  • In short, he argues, mainstream economics has been complicit in the existential crisis of climate change.

Radical solutions

  • But it may be too little too late, necessitating radical solutions beyond the carbon tax.
  • In this regard, Keen argues that carbon pricing is not enough, calling for carbon rationing.
  • This happens by going beyond textbook economics and technical jargon by highlighting the ecological and biophysical limits to growth.


I am not affiliated with any organization. Though, I have in the past done research assistance work for the Parkland Institute.

Cairn Homes Plc: Replacement - Annual Report and Notice of AGM

Retrieved on: 
Wednesday, April 10, 2024

Dublin / London, 26 March 2024: Cairn Homes plc (“Cairn”, “the Company” or “the Group”), announces that its Annual Report for the year ended 31 December 2023, together with the Letter from the Chairman and 2024 Notice of Annual General Meeting and Form of Proxy have been issued to shareholders.

Key Points: 
  • Dublin / London, 26 March 2024: Cairn Homes plc (“Cairn”, “the Company” or “the Group”), announces that its Annual Report for the year ended 31 December 2023, together with the Letter from the Chairman and 2024 Notice of Annual General Meeting and Form of Proxy have been issued to shareholders.
  • The Annual General Meeting will be held on 10 May 2024 at 12:00 noon in The Merrion Hotel, Merrion Street Upper, Dublin 2, Ireland.
  • Copies of the above documents (including the Annual Report and Financial Statements for the year ended 31 December 2023 in ESEF compliant format) are also available on the Company's website, www.cairnhomes.com .
  • The Annual Report will also be submitted to the UK National Storage Mechanism and Euronext Dublin, and will shortly be available for inspection at https://data.fca.org.uk/#/nsm/nationalstoragemechanism and at the following address: