Why do people opt-out or not opt-out of automatic enrolment? A focus group study of automatic enrolment into a workplace pension in the United Kingdom

Automatic enrolment (AE) into a workplace pension is an important recent development in pension policy. An important question for this policy is why do people opt-out or not opt-out of AE? This question is important for understanding the power of suggestion associated with AE as well as responding to concerns that women might face undue pressure to opt-out. This article addresses this question through a focus group study into the United Kingdom’s new AE policy. Women were more likely than men to cite lack of affordability as a reason for opting out. Lack of information also seemed important for the power of suggestion associated with AE. Further research should explore how to make AE less gender blind as well as the types of information or advice that should be provided alongside AE

Organic Food and Agriculture - Ethics

Organic food is produced without the use of synthetic fertilizers and pesticides. Four further exclusions in organic production are: genetically modified organisms (GMOs), irradiation, prophylactic antibiotics, and engineered nanoparticles. These six exclusions differentiate organic agriculture from chemical agriculture. Agriculture and food harvesting and production date back millennia, and until about a century ago that history is de facto organic. The Industrial Revolution ushered in an era of novel production strategies. Agriculture was not immune to new views of industrialization and reductionism. Advances in chemistry enabled some implementation of such views. Early in the diffusion of chemical farming practices, the Austrian mystic Rudolf Steiner (1865–1924) called for a differentiated agriculture free of these new synthetic chemical inputs. The terminology, theory, and practices of biodynamic agriculture evolved (in the 1920s and 1930s) from Steiner’s Agriculture Course of 1924. It was a guided evolution, coordinated by Ehrenfried Pfeiffer (1899–1961) in Switzerland. The UK agriculturist, Lord Northbourne (1896–1982), invited Pfeiffer to lead a conference on biodynamics at his farm in Kent (in 1939). The following year Northbourne published his manifesto of organic farming, “Look to the Land.” In that book, he coined the term “organic farming” and wrote of a contest of “organic versus chemical farming”.The ideas and ideals of organic farming quickly proliferated internationally off the back of Northbourne’s 1940 book. Organic farming is now practiced in at least 179 countries, accounts for 50.9 million agricultural hectares, and a market value of US$ 81.6 billion (€75 billion)

Badanie elementów systemu pracy z uczniem zdolnym. Raport z badania IDI

Raport opracowany w ramach projektu EFS „Opracowanie i wdrożenie kompleksowego systemu pracy z uczniem zdolnym

Why do homeowners renovate energy efficiently?:Contrasting perspectives and implications for policy

This paper contrasts two perspectives on energy efficient home renovations from applied behavioural research on energy efficiency and from sociological research on homes and domestic life. Applied behavioural research characterises drivers and barriers to cost-effective renovations, and identifies personal and contextual influences on homeowners' renovation decisions. Research findings inform policies to promote energy efficiency by removing barriers or strengthening decision influences. Sociological research on domestic life points to limitations in this understanding of renovation decision making that emphasises houses but not homes, energy efficiency but not home improvements, the one-off but not the everyday, and renovations but not renovating. The paper proposes a situated approach in response to this critique. A situated approach retains a focus on renovation decision making, but conceptualises decisions as processes that emerge from the conditions of everyday domestic life and are subject to different levels of influence. This situated approach is tractable for energy efficiency policy while recognising the ultimate influences that explain why homeowners decide to renovate

Costs and Benefits of Stem Cell Research and Treatment: Media Presentation and Audience Understanding in Hungary

This study examined the press coverage and audience understanding of the costs and benefits of stem cell research/treatment in Hungary. A content analysis of five newspapers and a focus group study was conducted. The way participants talked about the costs and benefits in many aspects echoed the dominant framing of the issue in the press (medical benefits = main benefit, high expense of treatment = dominant negative aspect). Even though participants applied analogical reasoning to formulate some risks that were missing from the reporting on stem cells, many gaps of the media coverage were echoed in gaps in lay discussions

Influence of IFNL3/4 polymorphisms on the incidence of cytomegalovirus infection after solid-organ transplantation

Background. Polymorphisms in the interferon-λ (IFNL) 3/4 region have been associated with reduced hepatitis C virus clearance. We explored the role of such polymorphisms on the incidence of CMV infection in solid-organ transplant (SOT) recipients. Methods. Caucasian patients participating in the Swiss Transplant Cohort Study in 2008-2011 were included. A novel functional TT/-G polymorphism (rs368234815) in the CpG region upstream of IFNL3 was investigated. Results. A total of 840 SOT recipients at risk for CMV were included, among whom 373 (44%) received antiviral prophylaxis. The 12-months cumulative incidence of CMV replication and disease were 0.44 and 0.08, respectively. Patient homozygous for the minor rs368234815 allele (-G/-G) tended to have a higher cumulative incidence of CMV replication (SHR=1.30 [95%CI 0.97-1.74], P=0.07) compared to other patients (TT/TT or TT/-G). The association was significant among patients followed by a preemptive approach (SHR=1.46 [1.01-2.12], P=0.047), especially in patients receiving an organ from a seropositive donor (D+, SHR=1.92 [95%CI 1.30-2.85], P=0.001), but not among those who received antiviral prophylaxis (SHR=1.13 [95%CI 0.70-1.83], P=0.6). These associations remained significant in multivariate competing risk regression models. Conclusions. Polymorphisms in the IFNL3/4 region influence susceptibility to CMV replication in SOT recipients, particularly in patients not receiving antiviral prophylaxi

The implications of direct participation for organizational commitment, job satisfaction and affective psychological well-being: a longitudinal analysis

The paper examines the implications of direct participation for employees’ organizational commitment, job satisfaction and affective psychological well-being. It focuses on both task discretion and organisational participation. Applying fixed effect models to nationally representative longitudinal data, the study provides a more rigorous assessment of the conflicting claims for the effects of participation which have hitherto been based primarily on cross-sectional evidence. Further, it tests a range of mechanisms by which direct participation leads to improved employee outcomes. Contrary to the critical literature, it shows that even after controlling for unobserved individual heterogeneity, both forms of direct participation have positive effects for employees’ organizational commitment and well-being. The effects of task discretion are primarily direct, reflecting the intrinsic importance of personal control over the job task; in contrast, those of organizational participation derive to a greater extent from its indirect effect on the quality of working conditions

Payment instruments, finance and development

This paper studies the effects of a payment technology innovation (mobile money) on entrepreneurship and economic development in a quantitative dynamic general equilibrium model. In the model mobile money dominates fiat money as a medium of exchange, since it avoids the risk of theft, but comes with electronic transaction costs. We show that entrepreneurs with higher productivity and access to trade credit are more likely to adopt mobile money as a payment instrument vis-a-vis suppliers. Calibrating the stationary equilibrium of the model to match firm-level data from Kenya, we show significant quantitative implications of mobile money for entrepreneurial growth and macroeconomic development

Differences in consumer decision-making styles among selected south-east European countries

Fast changes in retailing and complex consumer decision-making processes have increased the need for additional investigation of differences and similarities in consumer decision-making styles (CDMS) in various countries. This paper tests the reliability and validity of Sproles and Kendall’s Consumer Style Inventory (CSI) instrument, identifies and compares CDMS in Croatia, Bosnia and Herzegovina and Macedonia (FYR). Data obtained from surveys conducted among university students in observed countries (n = 1.206) were analysed by using exploratory and confirmatory factor analyses and the analysis of variance (ANOVA). The results provided support for six factors, which means that the original US eight-model cannot be fully applied in this region. Croatian consumers are the least brand-conscious and novelty-fashion conscious. Macedonian consumers are the most quality-conscious, brand-conscious, novelty-fashion conscious, recreational shopping conscious and brand-loyal, while Bosnian consumers are the most confused by overchoice. The traits of price consciousness and impulsiveness were not tested because of lack of reliability among items. The paper provides guidelines for marketers on how to position and more effectively advertise their products and services in analysed countries

Regional differences in self-reported screening, prevalence and management of cardiovascular risk factors in Switzerland

In Switzerland, health policies are decided at the local level, but little is known regarding their impact on the screening and management of cardiovascular risk factors (CVRFs). We thus aimed at assessing geographical levels of CVRFs in Switzerland. Swiss Health Survey for 2007 (N = 17,879). Seven administrative regions were defined: West (Leman), West-Central (Mittelland), Zurich, South (Ticino), North-West, East and Central Switzerland. Obesity, smoking, hypertension, dyslipidemia and diabetes prevalence, treatment and screening within the last 12 months were assessed by interview. After multivariate adjustment for age, gender, educational level, marital status and Swiss citizenship, no significant differences were found between regions regarding prevalence of obesity or current smoking. Similarly, no differences were found regarding hypertension screening and prevalence. Two thirds of subjects who had been told they had high blood pressure were treated, the lowest treatment rates being found in East Switzerland: odds-ratio and [95% confidence interval] 0.65 [0.50-0.85]. Screening for hypercholesterolemia was more frequently reported in French (Leman) and Italian (Ticino) speaking regions. Four out of ten participants who had been told they had high cholesterol levels were treated and the lowest treatment rates were found in German-speaking regions. Screening for diabetes was higher in Ticino (1.24 [1.09 - 1.42]). Six out of ten participants who had been told they had diabetes were treated, the lowest treatment rates were found for German-speaking regions. In Switzerland, cardiovascular risk factor screening and management differ between regions and these differences cannot be accounted for by differences in populations' characteristics. Management of most cardiovascular risk factors could be improved