Sunday, 30 September 2018

Passing the baton: will young people take up the fight to save the planet?


Younger activists may not follow the same path as their elders but they are engaged and taking action in their own way

Every generation of old codgers thinks its society’s youth are feckless layabouts who will send the world to hell in a handbasket. Socrates complained that ancient Greek children loved luxury, and had terrible manners and contempt for authority. In the 1920s, parents feared their offspring would turn into immodest flappers and risky partygoers. In the 1960s, when large numbers of students and young people drove the new civil rights, feminist, peace and environment movements, they sent the older generation into a panic. Youth had “gone wild”. Teenagers were “sex-obsessed”, while protestors were nothing better than rioting criminals. It’s inevitable, then, that millennials cop criticism, but it’s not justified.
A much-discussed 2013 Time cover bears the memorable line “Millennials are lazy, entitled narcissists who still live with their parents.” The inside story, penned by a Gen Xer, told of “a crisis of unmet expectations” for kids born between 1981 and 2000, thanks to their being raised on a diet of constant praise and affirmation: “Though they’re cocky about their place in the world, millennials are also stunted, having prolonged a life stage between teenager and adult.”
Please. It is not bruised egos that disappoint this generation; it’s the fact that the last lot failed to clean up after themselves and the planet’s conking out.
“No one agrees about what makes each generation unique. For instance, are young people today narcissistic and coddled, or are we creative and energetic?’ writes sixteen-year-old Logan Casey, with impressive maturity, in The New York Times. “Generalizations snowball and millions of people are made to share one identity. These stereotypes can reinforce prejudices and make groups into easy scapegoats.”
I work with students all the time, and I’ve never met a single one who didn’t care about global warming or social justice or trying to build a better future. While millennials are indeed a large and diverse demographic, studies show how they value authenticity and transparency, and are more likely to be recyclers and conscious consumers. Coming of age in the Anthropocene, they exist online in a way that their parents did not. Add these ingredients to the pot and stir, and you get a very different dish from the one served up by Time magazine.

"Maybe I was just ready to hear it, but it clicked: We’ve been lied to. Our future is not secure."
The Millennial Impact Project runs an annual survey that since 2009 has quizzed over 100,000 American millennials on their attitudes to civic engagement, showing how this generation is combining social media with traditional forms of participation, while “redefining terms long accepted in the cause and philanthropy space: Activist. Cause. Social issue. Ideology.”
The 2017 report concludes that their interest in the greater good is driving their cause engagement today, and their activism (or whatever you want to call it) is increasing. Gens Y and Z are the most globally connected ever – they are building community online. They may well be induced to march; they might even sue the government for its failure to protect their right to a healthy environment. But it starts, builds and evolves with social media. Older people trying to figure out what makes Gen Z tick (and how to sell to them) have noticed that they regard equality as a non-negotiable, and are getting involved in social activism at a much earlier stage in life. Forbes hints that it’s the Malala effect.
As one young journalism student puts it in a piece for Odyssey online, “Millennials have developed our own activist platform. Homophobia, racism, cultural appropriation, transphobia, negative body image, police brutality, gun control, and women’s reproductive rights are some of the social and political issues that affect our lives, and we are willing to fight for them to great lengths until national action is taken.”

When the system lets you down

Students Liz Morley, twenty-one, and Breana Macpherson-Rice, twenty-three, are trying to explain the origins of their climate-change activism. Digging around for her earliest eco experience, Macpherson-Rice comes up with, “I was part of the compost team at school,” then adds, “I didn’t start it,” lest I give her credit where it’s not due. They are scrupulously honest; it’s a matter of principal, because those they oppose deal in half-truths and outright lies.
Macpherson-Rice answered American environmentalist Bill McKibben’s call to join the divestment movement as soon as she heard it. She’s read all his books and volunteers for 350.org, the global climate action organisation he founded in 2007. The composting “was just something we did during lunch breaks. I’m not sure I can honestly tell you I cared deeply about it.” The caring bit came later. She’d just arrived at university and was taking international studies. “I always thought I would grow up, get a great job and travel the world. That’s how I imagined my life playing out,” she says.
A lecture threw that dream into sharp relief by describing how our warmed world might look by the end of the century, with refugees rather than gap-year backpackers on the move, forced from their scorched homelands by desertification and sea level rise. “It was something in the way that the lecturer explained it,” says Macpherson-Rice, “or maybe I was just ready to hear it, but it clicked: We’ve been lied to. Our future is not secure. It will most likely be characterised by climate disaster, worsening social problems and more extreme weather.”
She switched courses to study environmental humanities at the University of New South Wales, only to find the institution had investments tied up in the fossil-fuel industry. “It was during orientation week; I got chatting to these kids from Fossil Free UNSW. I was horrified.” She signed up and was soon made campaign co-ordinator.

Nine students from Melbourne University stood on the roof of the campus’ Old Quad building and stripped off to reveal the message “drop your assets” painted on their bare backs and bottoms. The group protested the university’s investment in the fossil fuel industry.
Nine students from Melbourne University stood on the roof of the campus’ Old Quad building and stripped off to reveal the message “drop your assets” painted on their bare backs and bottoms. The group protested the university’s investment in the fossil fuel industry. Photograph: Facebook/ Fossil Free MU

Elizabeth Morley was acutely aware of the environment as a child growing up during Australia’s millennium drought. The nightly news told of farmer suicides and reservoirs drying up. “I was obsessed with saving water,” she says. “I worried that the country would run out and we’d all die.”
She was still in primary school when she watched An Inconvenient Truth. “I was very upset by it. I thought the world was going to end, but in high school I kind of forgot. Everything around me seemed fine.”
The teenaged Morley figured there was nothing to see here “around the time that the carbon tax was being introduced in Australia. I felt like the government was acting and scientists were being listened to; that they had this thing under control.” But Morley had a wake-up call. One minute you’re just a kid, happily trusting that the old people are acting responsibly; the next, you grow up. Fast.
Carbon pricing was introduced in 2011 with the Gillard Labor government’s Clean Energy Act, but repealed in 2014 by Tony Abbott (the Liberal–National Coalition accepted at least $1.8 million in direct donations from mining and energy companies that year). Australia did sign the Paris agreement, committing “to taking strong domestic and international action on climate change” and reducing emissions, but guess what happened the following year? Emissions rose.
I ask Morley if she was paying attention to politics again when the carbon tax was killed, and she says, “Of course,” and I ask her how she felt, and she says, “Angry. The injustice really got to me. They knew it would lead to where we are today, the path was clearly set, but they decided to keep going because it made them richer.”
I ask her who she means by “they” and she says, “Our politicians, on both sides, who do not act in our best interest, but profit at our expense; and the fossil-fuel industry, and everyone who gets paid by them.”
The year of the Paris agreement was also the year Morley read This Changes Everything by McKibben’s great collaborator, Naomi Klein. She was in her second year at UNSW, majoring in Japanese. “Naomi Klein’s book was the big turning point for me in my adult life; like, god, our future is not secure. Our lives are not going to be like our parents’ lives were. I can’t have these assumptions that we’ll grow old in a world that’s safe and familiar to us, like previous generations did.”
She, too, switched courses (to environmental humanities and economics) and now talks about the urgent need “to dismantle the power dynamics that exist in perpetuating the use of fossil fuels”. All she needs is a beret. Don’t get the wrong impression; these women aren’t dangerous revolutionaries. They are mild-mannered, open, friendly and considered. Diligent students. When contemplating arrest as they planned their 36-hour occupation of UNSW’s council chamber in 2016, they were confident that their exemplary academic records would work in their favour should the police be called in. “We are the kids who get good grades,” says Morley.

"They knew it would lead to where we are today, but they decided to keep going because it made them richer."
The sit-in was a last resort. They’d tried asking nicely. Their requests for meetings with the Vice Chancellor were repeatedly knocked back, even after they’d surveyed 1,300 students and found that 78% supported divestment. “We got nowhere,” says Macpherson-Rice. “So we collected signatures for an open letter. We got staff and academics on board. We presented it to the Vice Chancellor, but within a couple of weeks he’d made his response.” It was no. “We finally decided to take the route of the ‘hard’ tactic,” says Morley. “Direct action.”
The sit-in was part of a national day of student climate action. In Victoria, arts major Aoife Nicklason was one of nine students who clambered, naked, onto the roof of the University of Melbourne’s storied Old Quad building, with a message painted on their bums: “Drop your assets”. They guessed right that “the internet’s obsession with butts” should guarantee news coverage. Most memorable headline? “Melbourne University students get high, naked.” Nicklason wrote for a student news site, “For our voices to reach as many people as possible, our activism must be as diverse as possible. So write a letter to the editor, tweet about it, make a YouTube video, talk to your mum, do some performance art.”
Beware, though: mums don’t always understand. One Mother’s Day, Macpherson-Rice did not get home for lunch. Instead, she put her war paint on – a red cross on each cheek – climbed into a white hazmat suit and joined a blockade of the Sandgate Bridge on the Newcastle coal rail line. The protestors sang and ate hummus as the police removed them one by one, charging them with trespassing.
That same day, a flotilla of several hundred activists in kayaks blockaded Newcastle harbour. The chant? “We are unstoppable! Another world is possible!”
I ask Macpherson-Rice if her parents were mad at her for getting arrested.
“Mum was just really worried about my future,” she says. “I get it, but …”
“This is more important?”
She shifts in her seat and moves her elbow onto the table, revealing a tattoo of the number 355 on her outer wrist. It’s a “birthmark” tattoo representing C02 as parts per million in the atmosphere the year she was born. She sees me see it, and smiles. “We used data from Tasmania so it’s a bit different from other people’s.”
Parts per million recordings began in the southern hemisphere at Cape Grim on the north-western tip of Tasmania in 1976, the year I was born. If I were the tattoo type, my ink would read 329. Measurements are always slightly lower here than in the northern hemisphere, because there is less land mass (hence less population and industrial activity), and the ocean – a carbon sink – covers a larger area. “The tattoo means a lot to me,” says Macpherson-Rice. “It’s a reminder, a constant one, and also a conversation starter.”
“I remember you saying you got it on that side of your arm so you’re not always having to look at it; otherwise you can’t escape it,” says Morley. “Yeah but mostly it’s so other people see it. My cousin was like, ‘What that’s about?’ and when I explained, he said, ‘What’s the ppm thing now?’ So I told him, ‘Now it’s 403. Time is running out.’”

Exposing Cambridge Analytica: 'It's been exhausting, exhilarating, and slightly terrifying'

Extract from The Guardian

Inside the Guardian


Observer reporter Carole Cadwalladr on her investigation into the firm at the centre of a data breach that shamed Facebook and exposed foul play in the EU referendum campaign and US presidential election


Earlier this year, The Observer and The Guardian broke the story that became the Cambridge Analytica scandal. It was the result of a year-long investigation in which Carole Cadwalladr worked with ex-employee turned whistleblower Christopher Wylie to reveal how the data analytics firm that was behind Trump’s 2016 campaign and played a role in Brexit, had used the data harvested from 87 million Facebook users without their consent.
Cadwalladr’s reporting led to the downfall of Cambridge Analytica and a public apology from Facebook’s Mark Zuckerberg who was forced to testify before congress. Facebook has since lost $120 billion from its share price. She won the British Journalism Awards’ Technology Journalism Award in December 2017 and the Orwell Prize for political journalism in June this year for her work “on the impact of big data on the EU Referendum and the 2016 US presidential election”.
One of your first stories investigating Cambridge Analytica was published in 2017, but you had been examining the company for some time before that. Can you tell us what prompted you to start looking into it?
I first heard the words “Cambridge Analytica” just a couple of weeks after the US presidential election. I’d just started researching fake news and had stumbled upon a whole seam of weird and disturbing Google search results. I’d typed “are Jews” into Google and it had suggested the search “are Jews evil?” and when I clicked on that, I got a whole page of results saying they were … it was a truly jaw-dropping moment. I then discovered an academic in the US called Jonathan Albright who’d just started mapping the fake news network. We had this late-night conversation in which we both quite freaked each other out with what we were finding and he said to me that “companies like Cambridge Analytica can use these fake news sites to track readers around the web”. I’d never heard of the company before but I put it in that first article … and that triggered an angry letter from them that set off the entire chain events that led to where we are today.


One of the early pieces you wrote analysed the connection between Brexit and the US election and the threat to democracy, which became an overarching theme to your reporting on this issue. Take us through what happened in the months after that piece was published

The first big piece I did on Cambridge Analytica was in February 2017 and it drew these links between their work on the Brexit campaign and in the US and the shadowy role of [Donald Trump’s former strategist] Steve Bannon and [conservative billionaire] Robert Mercer. It just went off like a bit of a bomb online … it was the first major piece on Robert Mercer’s role. Jane Mayer, the brilliant New Yorker writer, was in the throes of researching a profile of him for the magazine, it turned out, but that wasn’t published for another month, and people just didn’t know what to make of the article. There were a lot of people saying “this is really creepy” and a whole load of others saying “this just reads like a conspiracy theory”. It did immediately have a consequential impact in that it triggered three investigations: one by the Electoral Commission and two by the Information Commissioner’s Office, into spending and what had been done with data, and which then became part of a bigger inquiry, into the use of data in politics. That’s become the biggest data investigation in the world and we know now that the team is also cooperating with the Mueller investigation [into alleged Russian interference in the last US presidential election]. Its final report is coming out this autumn and I really hope that it can answer some of the very many questions about both Cambridge Analytica and, more widely, what happened with data in the referendum.

The revelations then ratcheted up another level again when you reported, based on the evidence of the whistleblower Christopher Wylie, that Cambridge Analytica had contracted a Cambridge University academic to harvest the data of millions of Facebook users
After that report came out in February I got a lead about another company, a Canadian company with links to Cambridge Analytica, which traded as AggregateIQ. We already knew that Cambridge Analytica had worked for Brexit campaigners. But here was evidence that another company with close links to Cambridge Analytica had worked with the official leave campaign, Vote Leave. It’s illegal for campaigns to coordinate and yet here was this weird, covert link … which both SCL [Group, the parent company of Cambridge Analytica] and AggregateIQ promptly denied. I knew there was something there though and I set about tracking down ex-employees. Nobody would talk to me initially, but eventually someone cracked and when he heard about Facebook data and Canada, he said to me “you need find Chris Wylie”. So I did. It just took me another year to help him get into a position where he was prepared to go on the record …

Given the gravity of the revelation in your reporting, and the connections to those in power, how have you dealt with the demands of this investigation and the public denials and the pressure? What has it been like working on this story?
It’s been … exhausting, exhilarating, stressful, alarming and at various points, slightly terrifying. The early months last year were among the worst. It felt like the world had turned very dark and I was sitting on a lot of information that implicated a lot of important and powerful people … and I did worry about that. It’s got easier every time I’ve published – sunlight is the best disinfectant etc. But it really did take over pretty much every waking hour of my life for a very long time. And it was hard to even explain to family and friends what I was involved in … every time I tried to explain it, it sounded more preposterous.

What support and encouragement were you given to continue to pursue this story?
I have to say that the support of readers was absolutely crucial and was one of the things that enabled me to carry on. Not just because it helped give me the confidence to keep going, but also because it helped give the organisation confidence. It takes a huge amount of resources and resolve for a news organisation to keep publishing in the face of the kind of threats we were facing, and the support of the readers for the story and what we were trying to do really did help give my editors confidence, I think. And I’m really grateful for that.

Can you tell us about the reaction that you personally have received over the past two years while working on this story, including from Guardian readers?
I’ve had lots and lots of messages and I’m ashamed that I didn’t manage to respond to many of them. When the story was unfolding, it was so incredibly busy, I was just overwhelmed by my inbox. And I still haven’t caught up. I suspect people don’t realise how incredibly small the Observer’s team is. I just had to be tunnel-visioned about getting the stories out. But it’s been really amazing and incredibly important to have had the support, especially at moments when it got quite nasty or personal, so I’m very, very grateful. Our readers are the best.

What has stayed with you throughout this investigation to keep you digging away at various elements of the story?
Just how powerless and vulnerable we were and still are and how there’s a class of very rich people who are taking advantage of new technologies to amass power and influence for themselves.

What do you think has been the most important element of the reporting and revelations?
The aspect of the story that’s had most impact has been the fallout for Facebook, from the collapse in its share price to the ongoing scrutiny by lawmakers and regulators. One of the most important revelations, though, has been about the multiple criminal acts that we now know took place during the referendum … and it’s also been one of the most frustrating. Many of the allegations have now been proven and yet simply ignored. We seem to have accepted as a country that it’s OK to break the law. I’m struggling with this at the moment as I am with the reluctance to investigate the evidence we produced of Russian interference. Even after Damian Collins, the Conservative MP who is chairing the parliamentary fake news inquiry, made clear calls for the government to say what it was doing, there’s been a deafening silence.

What do you think could guard us against something like this happening in the future?
Our electoral laws need to be completely overhauled. And if Facebook is going to continue to refuse to answer parliament’s questions and answer to lawmakers, I don’t believe it should be allowed to play any role in British elections.

It’s a big question, but what do you think the future holds in terms of data, privacy and the will of the people in elections?
I think it’s inevitable that foreign actors and rich individuals will try to manipulate social media platforms. Their methods are only going to get more sophisticated. And while Facebook and Google remain private companies, behind closed doors, beyond the reach of lawmakers, we won’t know how.

Sick, but not sick enough: surviving on Newstart with a chronic illness is hell

Extract from The Guardian

Two years ago I had to leave a job I loved. Since then I’ve had to fight for my rights in a social system that fails sick people

Access cuts to the disability pension have made Centrelink hostile territory for those with chronic illness or disability. I know. I’m one of them.
29.53% of applicants gained access to the Disability Support Pension last financial year. The government wants you to consider this a win. But cutting access to the DSP doesn’t mean those who’ve been rejected are working. It means they’re on Newstart, an allowance that’s fundamentally unable to support those with disability or chronic illness.

"I cried as I walked home. It wouldn’t be the last time."

I have endometriosis. You might have heard of it, particularly with the recent publication of the national action plan for endometriosis. I share the condition with around 700,000 Australians but symptoms vary. Some with endo live relatively functional lives. Others, like me, have a landmine go off in our pelvis that takes our whole body down with it.
In 2016 I left a job I loved because I was too sick to work. I then did what many sick people do: I sought help from Centrelink. My first Newstart claim was rejected due to a paperwork error. The 21 days spent appealing that decision foreshadowed the next 17 months of my life.
If you’re on Newstart while you’re sick, you can get an exemption from job search responsibilities until you’re well enough to look for work. It’s a good system, provided you’re not sick for too long. After my first doctor’s certificate expired, I attended an employment-ready assessment where my medical exemption was extended while I worked with doctors to get better.
Only I didn’t get better. Two surgeries, a truckload of medication, and a bank-draining team of medical professionals later, I accepted my new normal. On good days I can write or even leave the house. On bad days I can’t leave my bed. My really bad days are spent on the shower floor trying not to blackout. The biggest barrier to my finding regular work is I never know what kind of day I’ll have in advance. And if I push myself, I risk bad days becoming bad weeks.
Armed with 12 months of documentation and the support of three doctors, I applied for the DSP in August 2017. I was rejected two months later. The rejection gave no specifics but a Centrelink staffer later told me it was because I’d started seeing a pain specialist and therefore my condition wasn’t “fully diagnosed, treated, and stabilised”. I set about appealing the decision.
Then my job search exemption expired. When I enquired about another, I was told I couldn’t get one if my condition was unchanged, even if “unchanged” meant “still sick”. When I asked whether I could submit a doctor’s certificate, I was told Centrelink won’t accept doctor’s certificates for the same condition twice. “Newstart isn’t designed for sick people,” the Centrelink staffer said. If I wasn’t getting better I should apply for the DSP.
I cried as I walked home. It wouldn’t be the last time.
I’m supposed to find work for 7-15 hours a week. When I asked about the sporadic freelance work I do I was told that it didn’t count. I was told that freelance and gig work – often the only work flexible enough for those with chronic illness or disability – often isn’t accepted as “work” by Centrelink. They will, however, record your earnings and reduce your allowance.
That turned out to be wrong information. I’ve since learned my freelance work does meet Centrelink’s requirements to be counted as work. This is far from the first time I’ve been given misinformation. I’ve been sent to the wrong appointments, forced to chase documentation I didn’t need, told I shouldn’t bother submitting paperwork that would help my situation, and – perhaps the worst part – most of the time the misinformation is corroborated by other Centrelink staffers or their affiliates. It’s exhausting.
Meanwhile, my DSP appeal languished for six months before being rejected. When I called the number on the rejection letter, I had a genuinely horrific conversation.
The assessor cited the fact I was on medication to suppress menstruation as evidence my condition wasn’t “fully treated and stabilised”. Period suppression is standard practice for those with endometriosis. It’s not treatment, it’s maintenance. I’ll be on medication to suppress menstruation so long as I have my uterus.
It’s a shame, the assessor continued, that my doctor won’t perform a hysterectomy. I explained that hysterectomies don’t cure endometriosis but my doctor is willing to perform one if I choose because I’m medication resistant and have adenomyosis.
Their response? Because a hysterectomy is on the cards, my condition isn’t “fully treated”. If I appealed further and was successful, I wouldn’t be “allowed” to have a hysterectomy in the next two years. While I was reeling from this, they said unless I’m “running around without knickers and hiding in bushes” then my co-morbid mental illness is also not severe enough to qualify me for the DSP. They didn’t try to assess the impact of my illnesses the way they affect me: cumulatively.
So here I am, living on $650.67 per fortnight (after rent assistance) when my medical expenses alone start at $300 a month (post medicare safety net). I have to find 7-15 hours of work but I have to fight to have my freelancing count toward that number. I don’t qualify for the DSP but Newstart “isn’t designed for sick people”.
And almost one-third of those on Newstart are in my position.
The system is failing those it should be helping. But hey, at least the budget’s looking good.
  • Stacey Thomson is an artist and writer

Just a populist whinge? The banking report is damning of Morrison's judgment


LEGALLED OKRoyal commissions have a way of getting to the nub of the issue and revealing a stinking mess of corruption and crime. But they, much like most issue in politics, are also hostage to perceptions. Where they become most damaging is when their findings confirm suspicions. This is done to the full extent with the release on Friday of the interim report of the royal commission into the financial services sector. The nub of the issue for this government is that it can take no pride in these findings because the then treasurer and now prime minister, Scott Morrison, fought repeatedly against holding the commission at all.
One of my favourite lines in a royal commission report was that in the commission on the home insulation program. It was a commission set up by the Abbott government for no other purpose than to attempt to embarrass the former Rudd-Gillard government.
It came off the back of some fairly disgraceful reporting conducted across newspapers and radio talkback programs, which had suggested that the insulation was shoddily installed and was leading to houses burning down. Talkback hosts scared people with absurd fears about the dangers of house fires, newspapers breathlessly reported the numbers of house fires without any context or reference to the vast numbers of houses that had received insulation.
The fires were also manna from heaven for the Liberal party. Who needed reality when there was exaggeration to feed on? Tony Abbott told parliament in 2010 of “pink batts – a program which has caused house fire after house fire”.
And so when the royal commission into the home insulation program gave its findings, you would have expected its conclusion on house fires to be pretty damning.
Instead, the commissioner found that the number of fire incidents equated to “0.02% of installations” and that the fire incident rate for homes was actually lower under the program than that which had occurred prior to the program’s commencement.
And, in one of the most damning statements ever made about the media, and which should have seen all journalists and editors associated with such reporting shamed out of the industry, the commissioner noted, “the occurrence of fires does not appear to have been an issue of particular concern, other than to the media”.
However, reality remained no issue of particular concern for politicians. Just six months after the commission handed down its report, Abbott boasted to parliament that unlike the ALP his government “did not put pink batts in people’s roofs only to see them catch fire and houses burn down”.

"Nothing will alter the words of Morrison both prior to and after the royal commission was announced"

And the current prime minister, Scott Morrison, is also more than happy to spout the fiction rather than the reality. He told parliament last year that the previous ALP government wasted money “on setting fire to people’s roofs with their pink batts program”.
And, if we’re honest, given the amount of fear-mongering both by politicians and the media, and the lack of coverage of the findings, the perception that houses caught fire in massive numbers probably is believed by most.
It’s the problem with royal commissions – they can get to the nub of the issue but even their findings struggle to correct false perceptions.
They are most powerful when their findings confirm the perceptions.
The two perceptions about the royal commission are that banks and insurance companies are screwing customers, and that the government, led by Morrison as treasurer, did everything it could to avoid holding the royal commission.
The commission’s interim report certainly confirmed the first perception, and nothing will alter the words of Morrison both prior to and after the royal commission was announced.
The calls for this commission, which according to Morrison were just “crass populism”, have found “the answer” for the systemic misconduct in the financial industry “seems to be greed – the pursuit of short-term profit at the expense of basic standards of honesty” and that this “culture and conduct of the banks was driven by, and was reflected in, their remuneration practices and policies”.
This commission, which was according to Morrison “nothing more than a populist whinge”, has found that “when misconduct was revealed, it either went unpunished or the consequences did not meet the seriousness of what had been done”, that the conduct regulator, Asic, rarely went to court to seek public denunciation of and punishment for misconduct, and that there were many “occasions when profit has been allowed to trump compliance with the law, and many more occasions where profit trumped doing the right thing by customers.”
This commission, which according to Morrison was a ploy by the ALP “just intended to bolster and prop up the stocks of a leader of the opposition”, has seen banks admit they have “engaged in misconduct and conduct falling short of community standards and expectations in connection with home loans, credit cards, processing errors and car finance” including Westpac admitting processing failures that “resulted in approximately 69,000 home loan customers being required to pay more interest over the life of their loan” and which would cost Westpac $11m to repay”, or NAB admitting to “erroneous recording of 16,288 credit defaults against customers with NAB credit cards or personal loan accounts”, some of which “involved contraventions of the Privacy Act”.
This commission, which according to the then treasurer was just the ALP wanting to “undermine and play reckless havoc with the banking and financial system”, has found that ANZ “between 2006 and 2013, charged “more than 10,000 Prime Access customers ... for documented annual reviews that were never provided” and that it “continued to deduct ongoing service fees from the accounts of certain customers who had cancelled their services”, and which saw the Commonwealth Bank admit it charged for “annual reviews to approximately 31,500” customers between 2007 and 2015 that were not undertaken.
Even on announcing this royal commission, the then treasurer and now prime minister said the “reason” the commission was being held was “the recklessness of the leader of the opposition and the shadow treasurer for over two years calling into question the integrity and the system security of our banking system and financial system”.
That commission has revealed that “clients seldom complained about being charged for nothing” because “the fees they paid were charged invisibly” and that “the banks have gone to the edge of what is permitted, and too often beyond that limit, in pursuit of profit, and they have gone beyond the limit: because they can; and because they profit from the misconduct”.
So much for integrity.
The commission’s interim report is utterly damning of the banks and the regulators, which are shown to be mostly without teeth and unwilling to use what teeth they had.
It noted that “risk to reputation was ignored. Discovery of misconduct was ‘managed’ by words of apology and promises to do better. But little more was done than utter the apology and make the promise. More often than not, remediation programs were eventually set up but usually after protracted negotiation. Profit remained the informing value.”
And the commission’s report is utterly damning of Morrison’s judgment.

Greg Jericho is a Guardian Australia columnist

The ABC show: high drama, swift action and 'bad Malcolm' in a starring role

Extract from The Guardian


Friends and foes of Australia’s former prime minister often refer during casual conversation to “good Malcolm” and “bad Malcolm”. Good Malcolm is charm itself. Bad Malcolm? That’s something else again.
Anyone watching politics over the past year or so will know that Turnbull fulminated regularly, and often publicly, about the ABC, joining a longstanding Coalition tradition of ranting against the national broadcaster.
The once-over-lightly explanation for this will be the ABC copped an extended version of bad Malcolm. The communications minister, Mitch Fifield, implicitly referenced this possibility with an in-joke this week. With tongue planted in cheek, Fifield described the former prime minister, in relation to the ABC, as a “mellow” individual. Turnbull is many things, but mellow really isn’t one of them.
My purpose this weekend is not to counter the narrative of bad Malcolm, because bad Malcolm, by many dispassionate accounts, exists, and his censorious spirit hovered around Ultimo like a pursed-lipped hall monitor.
But there is also more to this story than an arbitrary prime ministerial tantrum(s) in the slipstream of a Coalition culture war. The implosion at the top of the ABC, after a long build-up, tells us lots about a lot of things if we take the time to look closely and push slightly beyond a penetrating glimpse of the obvious.
It was always something of a curiosity, the former prime minister’s fixation with thought crimes and (allegedly) deteriorating editorial standards at the ABC when it was News Corp and a cabal of other shriekers coming to pound what remained of his prime ministership into submission.
If you were into psychoanalysis, you might even call this behaviour transference.
But it was more than transference. Turnbull’s bursts of displeasure at the ABC read like the frustration of a political leader who often felt powerless in the face of disruptive forces more powerful than him, his office, or any of us.
Political leaders worry about themselves and their fortunes, often obsessively – that’s a given. The best of them also worry about the state of the zeitgeist and, if you worry about that, frankly, there’s a lot to be worried about.
Political leaders in 2018 are attempting to govern during a time, in cultural terms, of retreat from an agreed set of facts, from truth and from evidence.
For politicians who don’t care about truth and evidence, and engage in shades of demagoguery and outright manipulation, there is no anxiety, there is only opportunity. For the technocrats though, for politicians who still think politics is the art of structured deliberation, these are tough times. There are few certainties.
This is the unacknowledged backdrop sitting behind contemporary political leadership. When politicians survey the evolving media landscape from the temporary safety of their bunkers, they see mass unhinging. The news cycle thunders day and night. The opinion cycle bludgeons mindfulness and nuance into submission.
Media companies, courtesy of the disruption visited on them by the internet and the consequent threats to commercial viability, aren’t rallying new paying readers and viewers by pitching a sober offering of bland neutrality; they are rallying tribes by appealing to people’s values and emotions, because if emotions are stirred, then engagement increases, and engagement is a metric that matters.
So, to cut a long story short, the view from the prime ministerial bunker of all this convulsing and reshaping is not pretty. It must feel like standing in the middle of field with a pack of wild bulls thundering from one end to the other.
So perhaps, if your prime ministership feels like a prolonged state of siege, and you feel the tectonic plates moving around you, entirely indifferent to your fate, you might begin to fixate on something you imagine you can control.

"If your prime ministership feels like a prolonged state of siege, you might begin to fixate on
something you imagine you can control."

You might fixate on the national broadcaster – an organisation which, in return for its taxpayer funding, is expected to exhibit higher standards of po-faced neutrality than a commercial media industry increasingly presenting to the world as caterwauling, tribal and thuggish.
You might just appoint yourself ABC nitpicker in chief and tell yourself you are doing God’s work. The imperative of structural independence of a cherished institution might feel, to you, like a second-order concern, when the whole environment feels like the badlands, and takes no prisoners. It isn’t a second-order concern of course, but it might feel like it.
This broader dynamic I’m referencing, an impulse on the part of politicians to tame the animal spirits of the public square, was also sighted during the time of the last Labor government.
The minority Labor government certainly didn’t train their guns on the ABC, but there was the Finkelstein review that recommended a new statutory body, the News Media Council, be created to set and enforce journalistic standards. Julia Gillard famously advised journalists not to write crap.
The examples are different but the instinct to assert a modicum of control over the fragmenting, punishing discourse goes to the heart of the least interrogated story in politics: the story where contemporary governments feel powerless, because, mostly, they are.
It’s a hard story to tell, because almost no one inside the system is brave enough to the truth. Access journalism also doesn’t facilitate the truth telling, because the implicit contract of access journalism is people writing up more of the default mythology: that there is always a cunning plan, executed by cunning and enlightened people in power, when, mostly, government is just a rolling shit fight, particularly in an era of riven political parties populated by cookie-cutter ideologues who install and then tear down their figureheads of convenience, and equate any compromise with weakness.
What’s gone on inside the government and the ABC to lead us inexorably to the dramatic events of this week is a complex story, and its core facts will obviously be contested by the various protagonists and their competing spin doctors. New facts will likely emerge.
But, on what is currently known, anxiety sits at the heart of the tale.
An anxious prime minister transmits anxiety to the chairman of the national broadcaster either specifically or generically. Chairman, meanwhile, has significant anxieties of his own – principally, preserving ongoing funding for a publicly funded organisation that finds itself at the centre of a vicious culture war that has amplified courtesy of disruption in the media landscape. Anxious chairman apparently thinks the crux of his job is to keep the government, the bill payer, happy.
By Justin Milne’s own, unguarded account, his task as ABC chairman was to be a “conduit” not a “wall” and his view was “you can’t go around irritating the person who is going to give you funding again and again and again, if it’s over matters of accuracy and impartiality”.
“The government is a fundamentally important stakeholder in the ABC and it is necessary, and I think it is the role of the board, to be a conduit, so we all know, so the left hand knows what the right hand is doing, and we understand how people are feeling about things”.
When you line up these dynamics, you can see how things can become addled. The whole show combusted when a long period of anxiety culminated in sudden, swift action. The departure of Michelle Guthrie triggered the departure of Milne. Turnbull, of course, had already departed.
While facts are still being established, the take-home spectacle for the public is a bunch of people too punch-drunk to grasp the basic fundamentals of their jobs, or the imperative of maintaining clear lines, or most importantly – the importance of safeguarding the institutions of which they are temporary custodians.
After a week of takedowns and trashing, what remains is recrimination about apparent failures of judgment and of governance both on the part of politicians, and at one of Australia’s most cherished institutions, the national broadcaster.
This is a fascinating, and unsettling, story about the dynamics of contemporary public life, at so many levels.