Consumer advice: Don’t go paperless at ANZ

If you’re a bank customer, you’re doubtless getting plenty of messages urging you to go online and stop the waste involved in receiving paper statements each month. It’s an appealing pitch, but, at least for customers of ANZ, my advice is “DON’T !”. I recently had to replace a lost secondary card on my credit card. This used to be a painful process, involving reissuing all the cards, but it’s a lot simpler now, or so I thought. That is, until I checked my online bank statements and discovered they had disappeared.

A call to the helpline revealed the worst: the records were gone and there was no way of getting them back. The best that could be done is to print out paper statements and send those. Since I already had the paper statements, this wasn’t much use. An amusing irony of the process was that, as I checked through the bank website trying to trace the problem, I was bombarded at every step with messages urging me to go paperless.

I emailed the ANZ PR department, offering them a chance to respond, but got no reply.

The IT revolution comes to transport

One of the striking features of technological progress over the past fifty years or so has been that of incredibly rapid progress in information and communications technology, combined with near-stasis in most other sectors. Here’s what I wrote on the topic in 2003, and could have reposted, essentially unchanged, a decade later

On most of the obvious measures, technological progress in transport stopped sometime in the late 1960s and, at the frontiers, we are now seeing retrogression.

In 1970, we had regular visits to the moon, and supersonic passenger flight via Concorde was on the way. Now we have neither. Even the space shuttle, designed as a low-cost “space truck” to replace the expensive moon program, is now headed for oblivion, with no obvious replacement.

At a more prosaic level, the 747 jumbo jet, introduced in the late 1960s, is still the workhorse of passenger air transport. Boeing’s attempts at producing a new generation of passenger planes have failed, and the likely replacement for the jumbo jet is the Airbus A380 – essentially just a double-decker jumbo. In all probability, this will be the standard for the next thirty or even fifty years. Of course we don’t have flying cars, or even personal helicopters, as most projections from 50 years ago supposed.

Quite suddenly, this looks out of date. Electric cars, drones and, most significantly, self-driving vehicles have been transformed from curiosities (or, in the case of drones, military hardware with no apparent positive value to humanity) to the likely transport technologies of the near future.

There have been quite a few thinkpieces about these topics, particularly self-driving vehicles, but nothing I’ve seen has been really satisfactory to me. The central focus has been on the challenge of introducing imperfect self-driving vehicles to our current road network. But if we’ve learned anything from the last fifty years (from electronic watches to desktop publishing to digital cameras) it’s that, whatever the initial limitations, a technology that’s been digitised will inevitably improve to the point where it outperforms the analog competition on just about every dimension.

So, it’s safe to predict that, quite soon, self-driving vehicles will be safer and more reliable than all but the best human drivers, and cheaper than vehicles designed for human control. That raises some obvious questions

* what will vehicles be like once the design constraints imposed by the need for a human driver are no longer relevant;

and, more importantly,

* if unskilled or careless human drivers are more dangerous to fellow road users and pedestrians than self-driving vehicles, should they be allowed to drive at all?

To spell out the second point a bit further, if self-driving vehicles are readily available and affordable (and particularly if self-driving technology can be retrofitted to existing vehicles), there’s no argument from the necessity of personal mobility to give speeders and drunk drivers multiple chances to kill other road users. The fact that these people might enjoy driving themselves is scarcely relevant. In fact, to the extent that enjoyable driving is dangerous driving (and, in my limited experience, it mostly is), it’s an argument against allowing it.

Just writing this, I can imagine the ferocity of the responses. I suspect that policies on self-driving cars will turn out to be a long-running front in the endless culture wars in which we seem to be permanently enmeshed.

There’s a lot more to think about here, but that’s enough to be going on with.

Are young Australians (mostly) Christians ?

Regular readers will know that I’m not a great fan of analysis based on generations (Boomers, X, Millennials and so on). Most of what passes for insight on this topic consists of the repetition of unchanged cliches about the rigidity and hypocrisy of the old, the laziness and irresponsibility of the young, and so on, applied to whichever cohort happens to be old or young at the time.

But there are some genuine differences between cohorts, typically determine by the time they have entered adulthood. One of these is religion.
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Time’s up for ageing alarmists

That’s the (slightly ambiguous) headline for my latest piece in Inside Story. The central argument will be familiar to readers here. While the term “ageing population” is presented as a reason for gloom, this is a fallacy of composition. What’s actually happening is that, as individuals of any age, we are less likely to die than we use to be. Since dying is usually preceded by sickness and disability, it’s also true that, as individuals of any age, we are less likely to be sick and disabled. This is 100 per cent good news.

After publishing this I was pointed to an interesting article, maybe in the LA Times, which I didn’t note down, something like “a new view of aging”. If anyone else has seen it, maybe they could post a link. Also, there was a piece in Nature claiming 115 as an upper limit to the human lifespan. I think the conclusion is right, but the supporting analysis looked pretty dodgy to me, essentially based on two data points: namely that the longest lived and second longest lived people known to us both died in the 1990s and no one has matched them since. Still, at least Joe Hockey will be happy.

Christmas repost

Here’s a Christmas post from my blog in 2004. The theme is that nothing about Christmas ever changes, so it’s a repost of the same post from 2003. Looking back from 2015, the only change I can see is that the complaints about inclusive language to which I referred as “old stuff by now” have now become codified, as the “War on Christmas”.

I’ll add one new thought that the use of “War on Christmas” rhetoric reflects a larger problem for Christianists: should they be asserting their privileges as a majority (as in the demand that their particular holiday be recognised as primary) or demanding their rights as a minority (as in their unwillingness to accept equal marriage). The two strategies undermine each other.

In anticipation of at least a short break, let me wish a merry Christmas to all who celebrate it, and a happy New Year to everyone (at least everyone who uses the Gregorian calendar).

Read on for my unchanged Christmas message

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The economist as Grinch

The Economic Society of Australia has started running a panel in which economists are asked to give their views on policy questions. I wasn’t too happy with the last one, on penalty rates, where I thought the question was ill-posed, and the majority of responses (though by no means all of them) failed to address the basic microeconomics of the issue.

The latest is a more light-hearted one, asking for responses to the proposition

“Giving specific presents as holiday gifts is inefficient, because recipients could satisfy their preferences much better with cash.”

Rather than give an opinion, I took the argument to its logical conclusion, as follows

The obvious problem with this claim is that exchanging cash is also inefficient, especially when combined with the generally accepted norm that equals should give presents of equal value. This results in a costly exercise that nets out to zero. Anyone who accepts the stated proposition shoud be in favor of cancelling Xmas and relying on the existing intra-family tax-transfer system

Armistice Day

As Armistice Day comes around again, I find it more and more difficult to avoid despair. Each new war seems even more brutal and pointless than the last, bringing nothing but ruin and destruction to all concerned. And yet, opposition to war in general, or even to involvement in any particular war, is increasingly being seen as unpatriotic.

My annual ritual of writing a post on this day hasn’t helped at all. I’ve repeatedly had it explained to me by learned commenters that the mass slaughter of 1914 to 1918 (and, by implication, the even more massive slaughter that followed it over the 20th century) was a right and necessary response to German imperialism, or that it must be understood in its historical context. I need only change a few place names, and substitute different enemies, to hear the voices of our present leaders, explaining the need for our armed forces to deliver more death and destruction, because “we must do something”. The fact that our current enemies are of our own direct creation, and that a decade or more of these wars has succeeded only it making matters worse, seems irrelevant.

Just about the only consolation is the fact that the scale and loss of life from war has been decreasing over time. Large areas of the world once riven by war now seem to be free of it, or nearly so.

Against that, however, is the ever-present shadow of nuclear cataclysm. The world has managed to survive, permanently within a few minutes of catastrophe, for 70 years now. But can that continue indefinitely? when belief in the rightness of war and the need for military strength is such a powerful force among ordinary people, and even stronger among the rulers who have the power to launch these weapons. Without radical changes in thinking, it seems almost certain that nuclear weapons will be used, sooner or later. Even a limited nuclear war, between India and Pakistan for example, would be a disaster as bad or worse than the World Wars of the 20th century.

Flogging a live horse

A while back, I mentioned in passing the failure of the Queensland Greyhound Racing Board to do anything about notorious industry practices such as live baiting and the slaughter and dumping of dogs that failed to run fast enough. But, even if these practices were well known, the perpetrators made some effort to hide them. By contrast, the practice of whipping racehorses to make them run faster is open and unchallenged. Can there be any justification for this beyond “it’s always been done this way”?

Obviously, there’s no inherent interest in the absolute speed attained by the horses, just in the race between them. There’s no obvious reason why a race without whips would be any less interesting. And if we wanted to see the horses go as fast as possible, we’d allow the use of stimulant drugs.

Apparently, defenders of the practice have made the claim that it doesn’t hurt the horses. That’s ludicrous on the face of it – if it didn’t hurt obviously it wouldn’t work – and has been shown to be untrue.

I’d be interested to know about the legal position. Again on the face of things, whipping horses would seem to be illegal cruelty to animals. Is there a special exemption, or has the proposition never been tested?

Bernie Fraser: A brief appreciation

Bernie Fraser has just resigned as Chairman of the Climate Change Authority, of which I’m a Member. His chairmanship marked the culmination of a long career of public service, in which Bernie served as both Secretary of the Treasury and Governor of the Reserve Bank. Over many years, I’ve sometimes agreed and sometimes disagreed with Bernie on particular policy issues, but I’ve always found him to be committed to serving the Australian people and to a broad and humane view of our collective interests. At a personal level, he’s a great person to deal with and work with. He will be a big loss to the Authority, but we have made arrangements to carry on our work.

One of my Twitter followers asked for a post on which people might write appreciative comments, and here it is. If you want to discuss anything else (climate change policy, macro policy in the 1980s and 1990s, the future of the CCA) I’ll be opening a sandpit for this purpose.

Demography and irreligion

A few months ago, I was a bit surprised to read a report put out by the Pew Research Center predicting that the proportion of the world population without a religious affiliation would decline sharply by 2050. The basic argument sounds plausible: an increase in the unaffiliated proportion of the population within countries will be more than offset by faster population growth in countries with higher rates of affiliation. The main points are presented in a peer-reviewed article in the journal Demographic Research, which suggests the analysis should be solid.

Still, I thought I would dig a bit, and found a longer version of the report here, including the projection that Christians would decline from 78.3 per cent of the US population in 2010 to 66.4 per cent in 2050. That seemed like a very slow rate of change, so I did some amateur demography of my own. I found another Pew report, released almost at the same time, which focused on the beliefs of Millennials (those born from 1981 onwards). This report showed that less than 60 per cent of Millennials currently report a Christian religious affiliation, compared to around 70 per cent of X-ers (born 1965 onwards) and much higher levels for older cohorts.
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