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The Plight of Bereaved Families Families of deceased NS&I; premium bond holders are facing significant delays in claiming their loved ones' savings, with some waiting over a year to receive their funds. Kate Constable, whose mother passed away, waited 14 months to claim £46,000 in premium bonds. The process was prolonged due to NS&I;'s requirement for probate for claims over £5,000, which added nine months to her wait. The Tracing Errors and Delays NS&I; has admitted to long-running problems with tracing accounts belonging to deceased customers, affecting 34,000 bereaved families owed £367m. The issue is attributed to the bank's outdated search process, which failed to identify all relevant NS&I; products. This has resulted in a backlog of claims, with response times for bereavement inquiries now taking eight weeks, rather than the usual fortnight. The Financial Impact The delays have significant financial implications for families. Bonds are only entered in the prize draw for a year following a customer's death, meaning no interest is earned on holdings trapped in limbo for longer. For example, Peter, who is still investigating his father's accounts, may be owed over £60,000 in withheld funds, once interest has been taken into account. The Road to Resolution NS&I; has brought in extra staff to help process the backlog of claims and has promised to return to processing bereavement claims within the normal timeframe by autumn 2026. The bank has also confirmed that any redress payments will be exempt from inheritance and income tax. Despite these efforts, families like Constable and Peter continue to face significant challenges in claiming their loved ones' savings. The Future Outlook NS&I;'s new process, introduced at the start of this year, aims to improve the tracing of accounts. However, this more thorough process takes longer than before and has resulted in delays to current and new claims. The bank's efforts to rectify the situation and provide better customer service will be crucial in rebuilding trust with bereaved families and ensuring timely access to their loved ones' savings.

Britain’s energy regulator is poised to announce another steep quarterly price‑cap, signalling that electricity bills will stay high for the foreseeable future. The rise is driven not just by volatile wholesale prices but by a cascade of non‑commodity costs that are set to balloon over the next decade.Why the Next Ofgem Price Cap Is Likely to Remain ElevatedEnergy consultant Cornwall Insight predicts the typical household electricity bill will reach £1,850 this quarter – an increase of £209 from the previous period. The regulator’s messaging will likely cite the ongoing disruption of the Strait of Hormuz and the mitigating effect of new wind and solar generation.Cost Drivers Behind the Rising Electricity BillsWholesale electricity now accounts for only 30% of the bill, down from 90% a few years ago.Non‑commodity charges – grid upgrades, carbon taxes, warm‑home discounts and nuclear subsidies – dominate the cost structure.Network Use of System charges are projected to jump from £7.6bn this year to £12.1bn by 2029‑30, a ~60% increase.Balancing costs could rise from £2bn annually now to as much as £8bn by 2030.Industry leaders warn that even a 50% cut in wholesale prices would still leave bills 20% higher due to fixed non‑commodity costs.Broader Economic and Industrial ImplicationsHigh electricity prices threaten UK manufacturing competitiveness, as highlighted by the CBI and Energy UK. The Climate Change Committee stresses that cheaper power is essential to accelerate heat‑pump and electric‑vehicle adoption, yet the current cost trajectory delays those decarbonisation gains.What Transparent Medium‑Term Forecasts Could ChangeAnalyst Ben James estimates an average increase of £79 per household between 2025 and 2030. If Ofgem published similar medium‑term models, policymakers could better allocate levies, decide on taxation versus direct subsidies, and provide households with clearer expectations. Greater openness would also sharpen the political debate on who should bear the rising grid and balancing costs.

The LeadOne of Régis Le Bris's first acts as Sunderland's head coach was to preside over a pre-season training camp near Alicante. It was July 2024 and, according to those present, the Breton sometimes cut a slightly isolated figure. "I arrived alone, without any collaborators," Le Bris has said, reflecting on his leap of faith that involved exchanging the familiarity of Lorient for a job that, initially, meant working with Sunderland's existing backroom team rather than bringing hand-picked assistants.The Strategic Transformation at WearsideThe coach who ended last season with a Championship playoff final victory and, a year to the day later, led Sunderland into the Europa League was playing a longer game. "Step by step I started to express my ideas and my concepts," Le Bris said. Slowly but surely he also began to establish a power base on Wearside.Le Bris went unrecognised when, shortly before taking charge at the Stadium of Light, he slipped into the back of a lecture room where Sunderland's club historian, Rob Mason, was recounting the team's sometimes illustrious past. But within six months Le Bris would be serving as a magnet, his unshowy pulling power attracting some of football's brightest emerging talents.Everything changed in January 2025. Sunderland's young, inexperienced side were pushing for automatic promotion and, unusually, the owner, Kyril Louis-Dreyfus, allowed Le Bris rather than the then sporting director, Kristjaan Speakman, to take the lead on pursuing a statement signing.The Recruitment Revolution and Financial InvestmentLe Bris had first coached Enzo Le Fée as a 12-year-old in Lorient's academy and knew the playmaker's recent transfer, to Roma, was not working out. With Le Fée receptive to a loan, Louis-Dreyfus and Speakman began talking to Florent Ghisolfi, then Roma's sporting director.Ghisolfi was gaining a reputation as a shrewd, well-connected recruitment specialist, with his work at Lens and Nice seen as highly impressive. What went under the radar was that Ghisolfi had worked with Le Bris at Lorient and had tried to lure him to Nice.Louis-Dreyfus and Ghisolfi bonded and the idea of the latter relocating to Wearside as football director no longer seemed ridiculous. Sure enough he arrived last July, partnering with Speakman to sign 15 players. Including Le Fée, whose assists would help to clinch promotion.The presence of Le Fée and Ghisolfi ensured that when Louis-Dreyfus called Granit Xhaka out of the blue at 11pm last summer as the Switzerland captain was preparing for bed, the midfielder did not immediately cut the call.If it helped that Louis-Dreyfus is Swiss-French and knew Xhaka slightly through mutual acquaintances in Basel, Xhaka needed a little more convincing. Not that it took long for him to decide that swapping Bayer Leverkusen for a club managed by a coach who reminded him of his old Arsenal boss, Arsène Wenger, and serious enough to have acquired Le Fée and Ghisolfi, was an exchange worth making.Sunderland's long-serving club captain Luke O'Nien – who joined back in the League One days and now helps Xhaka run the dressing room, takes up the story. "I always say Enzo was the catalyst for all this," the defender says. "He was the first top player to trust us as a club and he's made a big contribution to where we are today. Enzo works so hard, he's unbelievably humble and, as good a player as he is, he's an even better person."The same could be said of Xhaka. In a recent interview with the Guardian Le Fée said: "Granit's arrival changed everything." Significantly, Xhaka played a key role in persuading one of Sunderland's stars of this season, the former Paris Saint-Germain defender Nordi Mukiele, to join. The pair had played together at Leverkusen and Mukiele says: "When Granit speaks you have to hear with both ears."With last summer's Ghisolfi-inspired £155m investment in, among others, Robin Roefs, Noah Sadiki, Habib Diarra, Omar Alderete, Reinildo, Chemsdine Talbi and Brian Brobbey paying rich dividends, Sunderland reached Le Bris's pre-season target of 40 points with a win at Leeds in early March and finished seventh.The Power Restructuring and Club CultureIn February Speakman departed, amicably if not exactly willingly, as it became clear Ghisolfi's arrival had made a large part of his role redundant. Other high-profile executive exits followed, prompting erroneous suggestions Le Bris could be next. In reality the coach who arrived "without collaborators" had built an on- and off-field support network the envy of many Premier League peers.Now, a cerebral manager whose natural courtesy and gentle humour are said to conceal a capacity to be "utterly ruthless" when necessary, faces twin tasks. He must nurture his power base and a tightly-bonded dressing room amid the demands of playing European football on Thursday nights.Xhaka, though, harbours few fears. "As Sunderland's captain I can promise you that this is the just the beginning," he says. "We want more."Le Bris, sensibly, talks of the need to "stay humble" and remember the essential "fragility" of footballing success, but he is also justifiably proud. "This club is a special place in English football and our journey is really special because we feel the connection, the alignment with our fans," he says. "It's a really nice feeling."The European Challenge and Future ProspectsThe impeccably polite, quietly unassuming Frenchman who spent his first two weeks in charge of Sunderland unnoticed by fellow guests at a County Durham hotel, no longer walks alone on Wearside. Having transformed the club's fortunes from Championship contenders to Europa League participants, Le Bris now faces the challenge of maintaining momentum while navigating the complexities of European competition.The question for Sunderland and their supporters is whether this remarkable ascent represents a temporary resurgence or the dawn of a new era for the Wearside club. With Le Bris's methodical approach, the backing of owner Kyril Louis-Dreyfus, and a squad increasingly filled with quality internationals, the foundations appear to be in place for sustained success at the highest level of English and European football.

The Pope's Warning on AIPope Leo XIV has called for the "disarming" of artificial intelligence (AI), warning that "new forms of slavery" are tied to its rise. The Catholic Church leader warned against "a race for ever more powerful algorithms and larger datasets," driven by "the desire to secure geopolitical or commercial dominance."The Encyclical: Magnifica HumanitasHis concerns regarding AI were presented in his first encyclical, titled "Magnifica Humanitas" (Magnificent Humanity), in person at the Vatican. Encyclicals are one of the highest forms of teaching from a pontiff to the church's 1.4 billion members.Leo insisted that ownership of AI data must not be left solely in private hands, called for policymakers to protect the rights of workers and keep children safe from the technology, and urged the cooling of competition between AI companies."What is needed is a more active political involvement that is capable of slowing things down when everything is accelerating," Leo said.The Catholic leader continued by calling for "robust legal frameworks, independent oversight, informed users and a political system that does not abdicate its responsibility"."AI now demands to be disarmed, freed from logics that turn it into an instrument of domination, exclusion, and death," he said. "Like nuclear energy, it must be at the service of all of the common good."Industry Response and ConcernsPope Leo presented the encyclical alongside AI experts, including Christopher Olah, co-founder of US giant Anthropic. Anthropic is embroiled in a legal battle with the United States military after opposing the use of its technology for lethal autonomous warfare and mass surveillance.At the presentation, Olah said AI companies operate "inside a set of incentives and constraints that can sometimes conflict with doing the right thing".He welcomed input from outside actors like the Catholic Church to "push events in a better direction", saying that "the questions raised by AI are bigger than the AI research community".Olah highlighted three areas he said required urgent attention: the risk of widespread job losses, the need to ensure that AI benefits are extended worldwide, and the unresolved question of how to interpret increasingly complex and sometimes opaque system behavior.Military AI and Ethical ConcernsIn the encyclical, Leo also sounded the alarm over AI-directed weaponry, saying it was "not permissible to entrust lethal" decisions to tech.Leo has repeatedly clashed with the White House over the US-Israel war on Iran and its use of religion to justify conflict.The "just war" theory, espoused recently by the administration of US President Donald Trump, was "outdated", Leo wrote, adding that "no algorithm can make war morally acceptable".

The Lead The current education system is increasingly criticized for failing to adequately prepare young people for the job market, with rising youth unemployment and a disconnect between school experiences and workplace requirements. The Educational Disconnect Readers of The Guardian have shared their experiences of a "joyless education system that focused too heavily on passing exams," noting the negative attitudes many young people develop toward schooling. The traditional lecture-based teaching methods in many schools fail to engage students meaningfully, leaving them unprepared for the workforce. Former government workers on youth programs report that teacher training needs to shift toward more interactive approaches that better suit the needs of today's students. The Employment Crisis Youth unemployment remains a significant issue even in affluent areas, with young people often struggling to find employment after leaving education. The job market has changed dramatically over recent decades, with fewer entry-level positions available and reduced support from employment services. Many job centers now focus primarily on benefits rather than connecting young people with actual job opportunities, leaving graduates without clear pathways to employment. The Impact on Society The failure to connect education with employment has far-reaching consequences for both individuals and society. Young people face extended periods of unemployment, leading to financial instability, mental health challenges, and a loss of confidence. The economy suffers from a generation of workers entering the job market without the necessary skills or experience, creating a productivity gap that affects national economic performance. The Path Forward Addressing this crisis requires systemic changes in both education and employment support. Schools need to adopt more interactive, practical teaching methods that develop real-world skills alongside academic knowledge. Teacher training programs must evolve to prepare educators for modern classroom environments. Additionally, employment services need to refocus on connecting young people with meaningful job opportunities while providing the necessary support and guidance for successful career transitions.

The Lead: Winner-Takes-All T20 Decider New Zealand and England are facing off in the third and deciding T20 match at Hove, with the White Ferns winning the toss and choosing to bat first on a sun-baked pitch. This match will determine the series winner after New Zealand narrowly won the previous encounter by 14 runs despite a shaky start. The Event Details: Toss Decision and Previous Match Context New Zealand captain Melie Kerr called the coin correctly and decided to have first use of the pitch. "We'll try and have a better start than last time," she said after her side were tottering at 11-4 in the previous match in Canterbury. Despite that poor start, New Zealand managed to win largely thanks to the experienced hands of Sophie Devine who made an assured 87 with support from a half-century scoring Maddy Green. An all-round bowling effort then restricted England's chase and saw them fall 14 runs short. The Impact Analysis: Series on the Line Today's match is winner-takes-all, adding significant pressure to both teams. The high stakes are evident in the preparation and decision-making, with New Zealand looking to build on their previous victory while England seeks to level the series. The match is being played in hot conditions with temperatures hovering around 31 degrees, which could impact player performance and strategy. The Prediction: What Happens Next With both teams evenly matched and the series on the line, this final T20 promises to be a closely contested affair. New Zealand will look to capitalize on their momentum from the previous victory, while England will be determined to bounce back and claim the series. The outcome of this match could have implications for future rankings and team confidence as both sides continue their preparations for upcoming international competitions.

The Widespread Impact of Retail Crime Across the UK Nine in 10 retailers based in rural locations have been victims of crime in the past 12 months, according to research by NFU Mutual, highlighting the widespread impact of rising shoplifting and theft even in more remote parts of the UK. The findings reveal that retail crime is not just an urban problem but affects businesses across all geographical areas, with inner cities reporting the highest level of incidents at 94%, followed by urban areas (91%) and rural locations (91%). The Scale of Retail Crime: Statistics and Patterns The research provides a comprehensive picture of the retail crime landscape in the UK. Almost a quarter of rural retailers surveyed had suffered on more than six occasions, equivalent to an incident taking place every other month. In contrast, only 5% of rural retailers who had fallen victim to crime over the past year only suffered one incident. The data suggests that while crime is widespread, some businesses experience repeated victimization, creating a pattern of ongoing disruption. Financial Devastation: The Cost of Retail Crime The financial impact of retail crime is substantial, with the average cost for each affected retailer reaching £83,000 during the past year, according to the survey by NFU Mutual. One in 20 victims reported losses exceeding half a million pounds. These figures represent a significant financial burden on businesses, particularly smaller rural enterprises that may have fewer resources to absorb such losses. The British Retail Consortium reported 5.5 million incidents of shoplifting in 2025, costing the industry an estimated £400 million. Changing Crime Patterns and Business Responses Retailers are experiencing a shift in crime patterns, with many noting that theft appears to be more organized and targeted. John Harris, owner of Broadditch farm shop in Kent, observed that "there has always been petty theft on farmyards of things like diesel and quad bikes, but now it seems like things are being targeted and stolen to order." In response to these challenges, businesses are increasing security measures, with many investing in better locks, alarms, and surveillance systems to protect their premises and staff. Human Impact: Violence Against Retail Workers The retail crime crisis extends beyond financial losses to include significant human impact. Just under half (46%) of the 150 rural retailers surveyed said staff had been verbally abused during the past 12 months, while a quarter reported that members of staff had been physically assaulted. These incidents create a hostile work environment and can lead to staff turnover, increased costs for businesses, and long-term psychological effects on employees. Government Response and Future Outlook The government's crime and policing bill, which passed into law at the end of April 2026, has introduced measures to address retail crime, including creating a stand-alone offense for assaulting a retail worker and removing the £200 threshold for "low-level" theft. However, with 77% of surveyed retailers believing crime has increased in the UK over the last 12 months, there are concerns that these measures may not be sufficient to address the growing problem. The future outlook suggests that businesses will need to continue investing in security measures while advocating for stronger enforcement of existing laws and potentially new legislation to better protect retail workers and businesses.

The Evolutionary Perspective on Gender DifferencesAccording to evolutionary psychologist Steve Stewart-Williams, almost everyone gets sex wrong. Traditionalists tend to exaggerate natural differences between men and women, while progressives tend to minimize them and assume that nurture and socialization play a decisive role. In his book "A Billion Years of Sex Differences," Stewart-Williams promotes a more nuanced, scientifically rigorous public conversation about why and how men and women differ to guide better policymaking.Understanding the Spectrum of Sex DifferencesStewart-Williams identifies varying degrees of sex differences. Some are relatively pronounced, such as attraction patterns, upper body strength, height, likelihood of committing violence, and occupational interests. Others, like ability in mathematics or conscientiousness, are much more modest. These differences are best visualized as two overlapping bell curves. For example, while the average man is taller than the average woman, there is considerable common ground—knowing someone is 5ft 8in doesn't enable confident gender identification.Research Evidence and Scientific BiasesAs a professor of psychology at the University of Nottingham Malaysia, Stewart-Williams examines various physical, psychological, and cognitive sex differences through an evolutionary lens. He identifies common biases in his field, including "gamma bias" (minimizing differences that paint men in a better light while highlighting those that do the opposite) and "delta bias" (an aversion to traditional sex differences and a preference for the reverse).His research found that when presented with fictitious studies showing men drawing better, lying less, or being more intelligent, people rated them as lower in quality, more harmful, and more worthy of censorship than studies showing women possessed these positive traits.Implications for Gender Equality and PolicyStewart-Williams argues that innate differences don't imply one sex is better than the other, nor do they suggest a moral imperative to enforce sex differences. However, he believes that when given freedom of choice, men and women tend to gravitate toward different directions—men toward working with things and status, women toward working with people and relationships.Interestingly, various studies find that many sex differences—from occupational preference to personality traits—are more pronounced in more gender-equal countries, suggesting that when social constraints are removed, natural tendencies become more evident.The Future of Gender ResearchWhile Stewart-Williams presents compelling evolutionary explanations for sex differences, the reviewer notes that evolutionary psychology isn't always the most useful lens. For example, understanding domestic violence as primarily a manifestation of male aggression rather than patriarchy may overlook how socialization and culture shape behavior in different societies.The book contributes valuable insights to the nature versus nurture debate, but ultimately represents only one part of a complex story about human development and gender relations. Future research will likely need to integrate biological, psychological, and sociological perspectives to fully understand the intricate interplay of factors that shape who we are.

The Enduring Appeal of BoundI'm not necessarily inclined towards what might typically be dubbed "feelgood." No, you won't find me seduced by a happy ending, nor am I partial to the oeuvre of Disney (in fact, I find all the talking animals and poreless princesses a bit grotesque). The raw edges and friction of feelbad have tended to be much better suited to my tastes: the porno chic slasher Knife+Heart, the sartorial murder of In Fabric and the snuff film-obsessed Thesis. Sex and gore, basically. For a long time, my favourite film was Crimes of the Future: a stomach-churning body horror about sexual-surgical experiments.A Queer MasterpieceHowever, there is one movie that reveals a slightly soft(er)core side to my viewing habits, which I frequently return to in order to feel the gushy feelings and butterflies of a school crush. That film is Bound. The 1996 directorial debut from the Wachowski sisters, the plot revolves around an opposites-attract scenario which is both familiar and high stakes: plumber Corky, and mafia moll Violet. When their eyes meet across an elevator, the tiny vestibule becomes thick with sexual tension: it is so on.Most of what makes this film work is the palpable chemistry between Corky, whose slick masculinity is embodied by Gina Gershon, and Violet, played with ultimate sex pot prowess by Jennifer Tilly. The whole thing is shot in the conventions of the sapphic gaze: we get plenty of closeups of Corky's hands wrestling with pipes, snaking holes and unscrewing things in languorous, laborious detail.Say what you will about how openly queer actors should play openly queer roles, but this film – starring two ostensibly cis, straight female leads – is a masterclass in lesbian eroticism. The two main actors so seamlessly embody a masc/femme dynamic, without the try-hard didacticism of many later cinematic attempts, to create a relationship that feels oddly real (except much, much hotter).Character Analysis and ChemistryHaving just starred as the vamp Cristal Connors in the trash-cult, 1995 Vegas romp Showgirls, it's uncanny to see Gershon undergo such a dramatic gender transformation to play a butch pin-up just one year later. It's not a stretch to say that Corky has the kind of sly smirk and shaggy hair that no doubt served as the blueprint to The L Word's Shane.And then, well, there's Jennifer Tilly. A porcelain doll: her sex appeal is painted on the surface of her pout and her whole-bosom sighs but, underneath, she has a strong and stony demeanour. A complex female protagonist who smolders and manipulates to get what she wants from men, and a femme imprisoned by her own beauty, Tilly delivers probably the most astute performance exploring the double life of a straight-passing lesbian which I have ever seen.The Plot and Its ThemesAnyway, back to the plot. What comes after our protagonists' initial meeting is oh-so relatable: Corky, having just got out of prison, is particularly vulnerable to Violet's high-femme charms. In a turn that can only be explained by unbridled lust, Corky agrees to help her in a mad caper to steal $2m from the mob and pin it on her boyfriend. I, too, fear that I would do whatever Violet asked me to.But, to be honest, the crime plot is pretty inconsequential to me. What do I care if they pull it off or not? If you're interested, however, there are some tired – almost femmephobic – overnotes, where Corky begins to doubt if Violet is really the lesbian she says she is, or if she will ditch her for a man the first chance she gets. But despite it all, they get their own happy ending.Interestingly, the plot draws an equivalence between the prison time served by Corky and Violet's very own sentence: the years she spends as a clandestine lesbian in straight relationships with men, for her own financial survival. At the end of the film, evading prison and with a stack of cash, they are both free: Corky of the criminal justice system, and Violet from the confines of cis-heterosexual society.Legacy and Cultural ImpactWhile this film came out about 30 years ago – in my birth year – it remains the most convincing depiction of dyke sexual dynamics I have ever seen on screen. While they weren't out at the time, the Wachowski sisters (both trans lesbians) were cinematically brave: depicting the cheek, mischief and pleasure of sapphic relationships with Bound. I'm of a different generation to the directors, and I supposedly have access to a whole plethora of queer representation, but if it wasn't for this film made by two trans women in the 90s, I wouldn't have cinematic proof of my own sexuality.Bound is available on Kanopy or to rent digitally in the US and to rent digitally in the UK and Australia