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Wednesday, 17 January 2018

#Brexidiot MPs Vote To Strip British Citizens Of Their Fundamental Rights

Is there any limit to how far, or for how long the Brexidiots can mislead their Brexit supporters? Not content with changing the colour of British passports to distract from the loss of the right to move freely across EU borders, Brexidiot MPs have now voted to strip British citizens of their fundamental rights when dealing with the state and each other. 

The Brexidiots claimed that the government was only refusing to apply the Charter of Fundamental Rights if the UK goes ahead with Brexit because the rights would already be covered by "British" law (whatever that is). That is simply untrue - as is the contrary complaint by Brexidiot Fernandes that the Charter "would give UK citizens additional protections on issues such as eugenics, personal data and collective bargaining"! Typically, the Brexidiots want to have their cake and eat it.

The Charter does not create any new rights. It only restated clearly and in one place the rights, freedoms and principles that were already recognised across the EU in 2000.  So, for instance, Article 15 does not create a general 'right to work', but affirms the freedom to choose an occupation and the right to engage in work.

The Charter is important, however, because it (only) applies to member states when they are implementing EU law (Treaties, regulations and directives - not UK law), so they do not mistakenly override their citizens' rights in the process. That is important for the UK both now, and because the Brexidiots have said before that they intend to adopt all EU-derived laws post-Brexit. By stating the rights in one place, the Charter helps interpret what is intended by the EU law, to give the proper interpretation when implementing it in the UK. This stops the government interpreting the law in a way that conflicts with British citizens' fundamental rights. The UK and Poland did opt-out of the Charter in a very limited sense, as a little show for the Europhobes at home. But even in the UK and Poland, the Charter must be applied and interpreted by the government and national courts strictly in accordance with Charter guidance. Critically, the limited opt-out did not reduce the pre-existing rights that are reaffirmed in the Charter.

So, the Brexidiots now want to be able to interpret EU law in a way that conflicts with the fundamental rights in the Charter...

Their problem is that the Charter is part of UK domestic law now (and would remain so even if the Human Rights Act were repealed). So to deny those rights, the Brexidiots need to specifically exclude the Charter from laws imported by the EU Withdrawal Bill. Indeed, the reference to the Human Rights Act 1998 is a red herring. The Charter goes beyond it only because that Act did not incorporate all of the European Convention on Human Rights into UK domestic law.  But remember that the Charter did not create any new rights. It only reaffirmed pre-existing rights as at 2000. 

The fundamental rights in the Charter are not just important when dealing with the state, e.g. government departments or the police, however. There are instances where it may be relied on between British citizens or between a citizen and a company or business.

Below is the full list of fundamental rights. Which rights (if any) do you think the Brexidiots or other British citizens should be free to ignore?!


DIGNITY
Article 1
Human dignity
Human dignity is inviolable. It must be respected and protected.

Article 2
Right to life
1. Everyone has the right to life.
2. No one shall be condemned to the death penalty, or executed.

Article 3
Right to the integrity of the person
1. Everyone has the right to respect for his or her physical and mental integrity.
2. In the fields of medicine and biology, the following must be respected in particular:
(a) the free and informed consent of the person concerned, according to the procedures laid down by law;
(b) the prohibition of eugenic practices, in particular those aiming at the selection of persons;
(c) the prohibition on making the human body and its parts as such a source of financial gain;
(d) the prohibition of the reproductive cloning of human beings.

Article 4
Prohibition of torture and inhuman or degrading treatment or punishment
No one shall be subjected to torture or to inhuman or degrading treatment or punishment.

Article 5
Prohibition of slavery and forced labour
1. No one shall be held in slavery or servitude.
2. No one shall be required to perform forced or compulsory labour.
3. Trafficking in human beings is prohibited.

FREEDOMS
Article 6
Right to liberty and security
Everyone has the right to liberty and security of person.

Article 7
Respect for private and family life
Everyone has the right to respect for his or her private and family life, home and communications.

Article 8
Protection of personal data
1. Everyone has the right to the protection of personal data concerning him or her.
2. Such data must be processed fairly for specified purposes and on the basis of the consent of the person concerned or some other legitimate basis laid down by law. Everyone has the right of access to data which has been collected concerning him or her, and the right to have it rectified.
3. Compliance with these rules shall be subject to control by an independent authority.

Article 9
Right to marry and right to found a family
The right to marry and the right to found a family shall be guaranteed in accordance with the national laws governing the exercise of these rights.

Article 10
Freedom of thought, conscience and religion
1. Everyone has the right to freedom of thought, conscience and religion. This right includes freedom to change religion or belief and freedom, either alone or in community with others and in public or in private, to manifest religion or belief, in worship, teaching, practice and observance.
2. The right to conscientious objection is recognised, in accordance with the national laws governing the exercise of this right.

Article 11
Freedom of expression and information
1. Everyone has the right to freedom of expression. This right shall include freedom to hold opinions and to receive and impart information and ideas without interference by public authority and regardless of frontiers.
2. The freedom and pluralism of the media shall be respected.

Article 12
Freedom of assembly and of association
1. Everyone has the right to freedom of peaceful assembly and to freedom of association at all levels, in particular in political, trade union and civic matters, which implies the right of everyone to form and to join trade unions for the protection of his or her interests.
2. Political parties at Union level contribute to expressing the political will of the citizens of the Union.

Article 13
Freedom of the arts and sciences
The arts and scientific research shall be free of constraint. Academic freedom shall be respected.

Article 14
Right to education
1. Everyone has the right to education and to have access to vocational and continuing training.
2. This right includes the possibility to receive free compulsory education.
3. The freedom to found educational establishments with due respect for democratic principles and the right of parents to ensure the education and teaching of their children in conformity with their religious, philosophical and pedagogical convictions shall be respected, in accordance with the national laws governing the exercise of such freedom and right.

Article 15
Freedom to choose an occupation and right to engage in work
1. Everyone has the right to engage in work and to pursue a freely chosen or accepted occupation.
2. Every citizen of the Union has the freedom to seek employment, to work, to exercise the right of establishment and to provide services in any Member State.
3. Nationals of third countries who are authorised to work in the territories of the Member States are entitled to working conditions equivalent to those of citizens of the Union.

Article 16
Freedom to conduct a business
The freedom to conduct a business in accordance with Union law and national laws and practices is recognised.

Article 17
Right to property
1. Everyone has the right to own, use, dispose of and bequeath his or her lawfully acquired possessions. No one may be deprived of his or her possessions, except in the public interest and in the cases and under the conditions provided for by law, subject to fair compensation being paid in good time for their loss. The use of property may be regulated by law in so far as is necessary for the general interest.
2. Intellectual property shall be protected.

Article 18
Right to asylum
The right to asylum shall be guaranteed with due respect for the rules of the Geneva Convention of 28 July 1951 and the Protocol of 31 January 1967 relating to the status of refugees and in accordance with the Treaty on European Union and the Treaty on the Functioning of the European Union (hereinafter referred to as ‘the Treaties’).
Article 19
Protection in the event of removal, expulsion or extradition
1. Collective expulsions are prohibited.
2. No one may be removed, expelled or extradited to a State where there is a serious risk that he or she would be subjected to the death penalty, torture or other inhuman or degrading treatment or punishment.

EQUALITY
Article 20
Equality before the law
Everyone is equal before the law.

Article 21
Non-discrimination
1. Any discrimination based on any ground such as sex, race, colour, ethnic or social origin, genetic features, language, religion or belief, political or any other opinion, membership of a national minority, property, birth, disability, age or sexual orientation shall be prohibited.
2. Within the scope of application of the Treaties and without prejudice to any of their specific provisions, any discrimination on grounds of nationality shall be prohibited.

Article 22
Cultural, religious and linguistic diversity
The Union shall respect cultural, religious and linguistic diversity.

Article 23
Equality between women and men
Equality between women and men must be ensured in all areas, including employment, work and pay.
The principle of equality shall not prevent the maintenance or adoption of measures providing for specific advantages in favour of the under-represented sex.

Article 24
The rights of the child
1. Children shall have the right to such protection and care as is necessary for their well-being. They may express their views freely. Such views shall be taken into consideration on matters which concern them in accordance with their age and maturity.
2. In all actions relating to children, whether taken by public authorities or private institutions, the child's best interests must be a primary consideration.
3. Every child shall have the right to maintain on a regular basis a personal relationship and direct contact with both his or her parents, unless that is contrary to his or her interests.

Article 25
The rights of the elderly
The Union recognises and respects the rights of the elderly to lead a life of dignity and independence and to participate in social and cultural life.

Article 26
Integration of persons with disabilities
The Union recognises and respects the right of persons with disabilities to benefit from measures designed to ensure their independence, social and occupational integration and participation in the life of the community.

SOLIDARITY
Article 27
Workers' right to information and consultation within the undertaking
Workers or their representatives must, at the appropriate levels, be guaranteed information and consultation in good time in the cases and under the conditions provided for by Union law and national laws and practices.

Article 28
Right of collective bargaining and action
Workers and employers, or their respective organisations, have, in accordance with Union law and national laws and practices, the right to negotiate and conclude collective agreements at the appropriate levels and, in cases of conflicts of interest, to take collective action to defend their interests, including strike action.

Article 29
Right of access to placement services
Everyone has the right of access to a free placement service.

Article 30
Protection in the event of unjustified dismissal
Every worker has the right to protection against unjustified dismissal, in accordance with Union law and national laws and practices.

Article 31
Fair and just working conditions
1. Every worker has the right to working conditions which respect his or her health, safety and dignity.
2. Every worker has the right to limitation of maximum working hours, to daily and weekly rest periods and to an annual period of paid leave.

Article 32
Prohibition of child labour and protection of young people at work
The employment of children is prohibited. The minimum age of admission to employment may not be lower than the minimum school-leaving age, without prejudice to such rules as may be more favourable to young people and except for limited derogations.
Young people admitted to work must have working conditions appropriate to their age and be protected against economic exploitation and any work likely to harm their safety, health or physical, mental, moral or social development or to interfere with their education.

Article 33
Family and professional life
1. The family shall enjoy legal, economic and social protection.
2. To reconcile family and professional life, everyone shall have the right to protection from dismissal for a reason connected with maternity and the right to paid maternity leave and to parental leave following the birth or adoption of a child.

Article 34
Social security and social assistance
1. The Union recognises and respects the entitlement to social security benefits and social services providing protection in cases such as maternity, illness, industrial accidents, dependency or old age, and in the case of loss of employment, in accordance with the rules laid down by Union law and national laws and practices.
2. Everyone residing and moving legally within the European Union is entitled to social security benefits and social advantages in accordance with Union law and national laws and practices.
3. In order to combat social exclusion and poverty, the Union recognises and respects the right to social and housing assistance so as to ensure a decent existence for all those who lack sufficient resources, in accordance with the rules laid down by Union law and national laws and practices.

Article 35
Health care
Everyone has the right of access to preventive health care and the right to benefit from medical treatment under the conditions established by national laws and practices. A high level of human health protection shall be ensured in the definition and implementation of all the Union's policies and activities.

Article 36
Access to services of general economic interest
The Union recognises and respects access to services of general economic interest as provided for in national laws and practices, in accordance with the Treaties, in order to promote the social and territorial cohesion of the Union.

Article 37
Environmental protection
A high level of environmental protection and the improvement of the quality of the environment must be integrated into the policies of the Union and ensured in accordance with the principle of sustainable development.

Article 38
Consumer protection
Union policies shall ensure a high level of consumer protection.

CITIZENS' RIGHTS
Article 39
Right to vote and to stand as a candidate at elections to the European Parliament
1. Every citizen of the Union has the right to vote and to stand as a candidate at elections to the European Parliament in the Member State in which he or she resides, under the same conditions as nationals of that State.
2. Members of the European Parliament shall be elected by direct universal suffrage in a free and secret ballot.

Article 40
Right to vote and to stand as a candidate at municipal elections
Every citizen of the Union has the right to vote and to stand as a candidate at municipal elections in the Member State in which he or she resides under the same conditions as nationals of that State.

Article 41
Right to good administration
1. Every person has the right to have his or her affairs handled impartially, fairly and within a reasonable time by the institutions, bodies, offices and agencies of the Union.
2. This right includes:
(a) the right of every person to be heard, before any individual measure which would affect him or her adversely is taken;
(b) the right of every person to have access to his or her file, while respecting the legitimate interests of confidentiality and of professional and business secrecy;
(c) the obligation of the administration to give reasons for its decisions.
3. Every person has the right to have the Union make good any damage caused by its institutions or by its servants in the performance of their duties, in accordance with the general principles common to the laws of the Member States.
4. Every person may write to the institutions of the Union in one of the languages of the Treaties and must have an answer in the same language.

Article 42
Right of access to documents
Any citizen of the Union, and any natural or legal person residing or having its registered office in a Member State, has a right of access to documents of the institutions, bodies, offices and agencies of the Union, whatever their medium.

Article 43
European Ombudsman
Any citizen of the Union and any natural or legal person residing or having its registered office in a Member State has the right to refer to the European Ombudsman cases of maladministration in the activities of the institutions, bodies, offices or agencies of the Union, with the exception of the Court of Justice of the European Union acting in its judicial role.

Article 44
Right to petition
Any citizen of the Union and any natural or legal person residing or having its registered office in a Member State has the right to petition the European Parliament.

Article 45
Freedom of movement and of residence
1. Every citizen of the Union has the right to move and reside freely within the territory of the Member States.
2. Freedom of movement and residence may be granted, in accordance with the Treaties, to nationals of third countries legally resident in the territory of a Member State.

Article 46
Diplomatic and consular protection
Every citizen of the Union shall, in the territory of a third country in which the Member State of which he or she is a national is not represented, be entitled to protection by the diplomatic or consular authorities of any Member State, on the same conditions as the nationals of that Member State.

JUSTICE
Article 47
Right to an effective remedy and to a fair trial
Everyone whose rights and freedoms guaranteed by the law of the Union are violated has the right to an effective remedy before a tribunal in compliance with the conditions laid down in this Article.
Everyone is entitled to a fair and public hearing within a reasonable time by an independent and impartial tribunal previously established by law. Everyone shall have the possibility of being advised, defended and represented.
Legal aid shall be made available to those who lack sufficient resources in so far as such aid is necessary to ensure effective access to justice.

Article 48
Presumption of innocence and right of defence
1. Everyone who has been charged shall be presumed innocent until proved guilty according to law.
2. Respect for the rights of the defence of anyone who has been charged shall be guaranteed.

Article 49
Principles of legality and proportionality of criminal offences and penalties
1. No one shall be held guilty of any criminal offence on account of any act or omission which did not constitute a criminal offence under national law or international law at the time when it was committed. Nor shall a heavier penalty be imposed than the one that was applicable at the time the criminal offence was committed. If, subsequent to the commission of a criminal offence, the law provides for a lighter penalty, that penalty shall be applicable.
2. This Article shall not prejudice the trial and punishment of any person for any act or omission which, at the time when it was committed, was criminal according to the general principles recognised by the community of nations.
3. The severity of penalties must not be disproportionate to the criminal offence.

Article 50
Right not to be tried or punished twice in criminal proceedings for the same criminal offence
No one shall be liable to be tried or punished again in criminal proceedings for an offence for which he or she has already been finally acquitted or convicted within the Union in accordance with the law.

GENERAL PROVISIONS GOVERNING THE INTERPRETATION AND APPLICATION OF THE CHARTER
Article 51
Field of application
1. The provisions of this Charter are addressed to the institutions, bodies, offices and agencies of the Union with due regard for the principle of subsidiarity and to the Member States only when they are implementing Union law. They shall therefore respect the rights, observe the principles and promote the application thereof in accordance with their respective powers and respecting the limits of the powers of the Union as conferred on it in the Treaties.
2. The Charter does not extend the field of application of Union law beyond the powers of the Union or establish any new power or task for the Union, or modify powers and tasks as defined in the Treaties.

Article 52
Scope and interpretation of rights and principles
1. Any limitation on the exercise of the rights and freedoms recognised by this Charter must be provided for by law and respect the essence of those rights and freedoms. Subject to the principle of proportionality, limitations may be made only if they are necessary and genuinely meet objectives of general interest recognised by the Union or the need to protect the rights and freedoms of others.
2. Rights recognised by this Charter for which provision is made in the Treaties shall be exercised under the conditions and within the limits defined by those Treaties.
3. In so far as this Charter contains rights which correspond to rights guaranteed by the Convention for the Protection of Human Rights and Fundamental Freedoms, the meaning and scope of those rights shall be the same as those laid down by the said Convention. This provision shall not prevent Union law providing more extensive protection.
4. In so far as this Charter recognises fundamental rights as they result from the constitutional traditions common to the Member States, those rights shall be interpreted in harmony with those traditions.
5. The provisions of this Charter which contain principles may be implemented by legislative and executive acts taken by institutions, bodies, offices and agencies of the Union, and by acts of Member States when they are implementing Union law, in the exercise of their respective powers. They shall be judicially cognisable only in the interpretation of such acts and in the ruling on their legality.
6. Full account shall be taken of national laws and practices as specified in this Charter.
7. The explanations drawn up as a way of providing guidance in the interpretation of this Charter shall be given due regard by the courts of the Union and of the Member States.

Article 53
Level of protection
Nothing in this Charter shall be interpreted as restricting or adversely affecting human rights and fundamental freedoms as recognised, in their respective fields of application, by Union law and international law and by international agreements to which the Union or all the Member States are party, including the European Convention for the Protection of Human Rights and Fundamental Freedoms, and by the Member States' constitutions.

Article 54
Prohibition of abuse of rights
Nothing in this Charter shall be interpreted as implying any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms recognised in this Charter or at their limitation to a greater extent than is provided for herein.

Tuesday, 9 January 2018

The #Brexidiots Know The Game Is Up But Are Committed To More Lies And Deception

David Davis wrote an extraordinary letter to Theresa May in December 2017. 

He whinged that the EU has been explaining to UK businesses the risks associated with the UK leaving the EU with "No Deal". The EU says that, to minimise the impact of Brexit, contracts will need to be renegotiated and EEA-facing operations will need to move into the remaining 27 EU countries ('Brexodus').  

Davis claims these explanations are a problem because the EU has not made any "reference to the possible alternative arrangements that might be agreed".  But he admits that the chance of any successful legal challenge to require the EU to mention such potential arrangements is "low" and "high risk politically and financially". 

In other words, Davis has no confidence that alternative arrangements will be agreed to prevent the need for the Brexodus of the portion of any business that relies on trade with the EEA or EU trade deals with other countries - jobs included. 

This means the very real choice facing the UK is either "No Deal" (with the consequences explained by the EU) or to withdraw its Article 50 notice and remain in the EU.

Instead, Davis promises two things: he will "continue to press our case" with the EU - which he admits has a low chance of success - and engage in "greater communication with UK businesses to provide assurances where we can." 

But given the EU's strong legal position it is clear that reliable assurances cannot be given. Any such assurances would be yet further lies and deception from the Leave camp.

This means that remaining in the EU is the only viable option for the UK, and the Brexidiots know it but are unwilling to admit it. Yet.


Thursday, 21 December 2017

Think Of The #Brexidiots On the Darkest Day Of The Year

How fitting, on the shortest, darkest day of 2017, that we should think of all those Brexidiots who stood in front of that big red bus 18 months ago selling Brexit fantasy snake oil to would-be-Leavers. 

The 'promise' was that Brexit was not only practicable, but simple, low cost, would leave the UK with more money and that trade deals would be plentiful and easy. 

Yet all those snake oil salespeople - the lurkmen, touts and bludgers - have done ever since is submit to every demand the EU has made. Painting themselves and the UK into a corner where it must comply with all EU laws and trade rules but have no say in how they are made.  The member state becomes the vassal state, an EU colony, in the words of Brexidiot Johnson.

Because the UK is definitely the biggest loser out of Brexit.

And that's why 2018 will be the year it is stopped.


Friday, 8 December 2017

Time To End This False Brexit Farce?

As the EU/UK joint report on "progress" makes clear, the parties have done nothing more than agree "in principle” on only three of many, many issues to be resolved if the UK is to leave the EU (and that remains a big “if”). Aside from the ongoing price tag, there are the three aspects worth noting below. But my overriding concern is that the very reasonable steps which people and businesses are already taking to minimise their exposure to the downside (and maximise exposure to the upside) of the Brexit “Black Swan” are probably the main source of lasting damage for the UK, and unless the Brexit process is soon halted that lasting damage will be done. 

The first area of common ground is that if citizens wish to retain their EU rights (with some family members being able to join them), then UK citizens need to be ‘legally resident’ in (another) EU member state, and EU citizens legally resident in the UK, on the date of the UK’s withdrawal. But they may well need to apply for that status, and this opens a chasm of uncertainty. 

After some scary moments early this week, the UK now seems clear that the Good Friday Agreement must remain paramount. That deal was predicated on EU membership, so it's a Trojan Horse for what the “Leave” camp are now calling “Leave in name only” (or “LINO”). There is no clarity at all, for example, on how the absence of a ‘hard border’ between Northern Ireland and the Republic of Ireland can be accommodated in light of typical import/export checks and other constraints between the EU and ‘third countries’ (as the UK will be). My sense is that there could never be agreement on that, the result of which is stated (in para 49) to be that: 
“the United Kingdom will maintain full alignment with those rules of the Internal Market and the Customs Union which, now or in the future, support North - South cooperation, the all-island economy and the protection of the 1998 Agreement.” 
The demands from Scotland, Wales and London to receive equal treatment with North Ireland in this respect also seem to be honoured in paragraph 50 of the report. Other provisions suggest free movement of labour will continue, as will free movement of goods ‘placed on the market’ prior to UK withdrawal. There are references to transitional arrangements but no cap on their duration...  Uncertainty abounds.

There is no mention of free movement in relation to any services, let alone financial services - which are a bellwether for the UK economy. Financial passporting was ruled out by Mr Barnier on 20 November, but perhaps it might yet leap out of the Good Friday Trojan Horse. Be that as it may, there is nothing sufficiently certain on this front that should tempt firms which are currently passporting from the UK to delay the process of establishing new EEA passport ‘hubs’ within one of the EU27 countries by March 2019 (or, indeed, EEA firms from establishing a UK presence). Management and staff will also be considering their own personal risks and opportunities related to this, particularly where they might benefit from rights that flow from becoming legally resident in an EU27 member state before the UK’s withdrawal. 

No doubt there are also people and firms in other sectors who will be similarly disinclined to halt or pause their own efforts to minimise their exposure to the downside of Brexit, and maximise their exposure to the upside. It is this risk management activity in the face of continuing uncertainty that seems likely to cause lasting damage to the UK...

Wednesday, 29 November 2017

Brexit Needed Your Fully Informed Consent

In 2016, the Swiss parliament realised the people had made a terrible mistake in a narrow, binding 2014 vote to impose quotas on EU workers.

While Switzerland is not an EU member, it's the EU's third largest trading partner after the USA and China - so more important than the UK on its own - and has a free movement agreement for all EU citizens, meaning EU citizens can live and work there.

The EU was not intimidated by the Swiss vote in 2014. The EU (including the UK, even after the Brexit vote) continued to insist that any attempt to restrict free movement of EU citizens would automatically exclude Switzerland from the EU single market. Imposing quotas would end all of Switzerland's 120 trade deals with individual EU members and result in exclusion from the EU’s chemical regulation, research and education programmes.

So the Swiss parliament decided not to implement the quotas on EU workers. Voters had not been informed of all these consequences of voting to impose the restrictions. Conservative politicians were outraged, but that was felt to be a price worth paying to protect the Swiss economy.

UK citizens are already personally familiar with the need for consent - especially where that is the basis for processing their personal data under the Data Protection Act 1998. Indeed, the UK government was instrumental in developing the new, more stringent General Data Protection Regulation (GDPR), and has committed to retain it post-Brexit

Where consent is relied upon for the processing of personal data, it must be a "freely given, specific, informed and unambiguous indication of the data subject's wishes... a statement or ... clear affirmative action [which] signifies agreement to the processing of personal data relating to him or her."

The UK's own EU referendum was a non-binding vote and a simple Yes or No to leaving the EU.  No one would argue that any voters were really "informed" as to the consequences of Brexit. Only a few of those consequences are clear 18 months later.  Many people are very angry that they were misled by Leave campaigners who claimed that leaving the EU would be easy, that it would cost nothing, that there would be new trade deals by now and the UK would be able to spend its EU contributions on the NHS instead.

But it is clear that the EU does not feel the need to compromise with the UK - after all it didn't need to for Switzerland.

On this basis, the non-binding referendum vote to leave the EU was not fully informed and Parliament should now now decline to proceed with it. The Article 50 notice to leave the EU can and should be withdrawn.


Wednesday, 22 November 2017

Mau-Mauing The Brexiteers

In 1970 a group of indignant, physically intimidating citizens gathered in San Francisco's Office of Economic Opportunity to confront a useless bureaucrat over the fraudulent failings of the Office's poverty relief efforts. The bureaucrat's initially condescending approach soon turned to humiliation and he ended the meeting with a pathetic promise to call his absent boss for some real answers the following morning. Satisfied with the bureaucrat's humiliation, however, nobody turned up to hear him make the call. 

Re-reading Tom Wolfe's famous article on the confrontation last night, it struck me as something of a parable for the campaign against Brexit, and yet revealed a key difference that firmly points to that campaign's success. 

Wolfe called his article on the confrontation in San Francisco "Mau-Mauing the Flak Catchers" in reference to both the intimidation by Kenya's anti-colonial Mau Mau Uprising and the tendency for public officials and politicians to send an underling to 'catch the flak' rather than face it themselves. He ends it with the observation, however, that the bureaucrats were ultimately successful. The flak catcher caught the flak and everyone went on with business as usual.

Brexit was billed by the Brexiteers as a poverty relief effort, but we've since discovered it was riddled with fraud, from the claims that there would be an "extra £350m a week" to be spent on the NHS, to the claim that the Tory leader could send the Article 50 notice without reference to Parliament, to the claim that the notice could not be withdrawn and the Brexit process stopped, to the notion that the UK would not need to settle its membership tab on the way out, to the claim that new trade deals would be easy... to the now utterly hollow claim that "Brexit means Brexit".

Such lies and misinformation have cast the Brexiteers as very, very low grade officials indeed. Whether or not you applaud their elevation to cabinet minister by a weak (and faux-Remain or closet Leave) Prime Minister, that step has at least highlighted their total and complete incompetence to lead or achieve anything. Years after launching their mendacious campaign to 'free' the UK from some imagined EU 'dictatorship' they are yet to offer any concrete details for an EU trade deal, let alone a 'Global Britain'. They have even failed at the first hurdle, skewered by their bizarre denial that the UK would need to settle its membership bill before leaving. These people are simply living a fantasy.

The indignant citizens actually confronting these bureaucratic flops are an intimidating bunch. They draw strength from representing at least 16 million people, for a start. They also tend to be the very people whom the Brexiteers must have been relying on to actually achieve the impracticable task of unwinding over 40 years of British efforts to make the UK a key player within the European Union. Beyond the disaffected UK civil servants there are millions of importers, exporters, manufacturers and their workers throughout British industry, investors and investment managers, QCs, judges, academics, teachers, nurses, doctors, students... a whole civil society of people who understand how the UK works, the value of its EU membership and that it does not work in isolation and who consider themselves EU citizens as well as UK citizens. They are angry and they are fighting for their rights and in many cases their homes.

But the key difference between the #StopBrexit campaigners and the indignant citizens who gathered in the San Francisco Office of Economic Opportunity in June 1970 is that no one is letting the hapless Brexiteers off the hook.  Unlike short-sighted Leave voters and the dormant botnets of the Leave campaign, their Twitter accounts are very much alive and connected to ongoing investigations, court proceedings, official complaints and petitions. They are relentless in challenging the hollow rhetoric flowing from the Brexiteers. And unlike the Brexiteers, anti-Brexit politicians are not fighting for their credibility - they can safely rely on inertia and the vast weight reality, statistics, events and common sense to expose the Brexiteers' feeble lies and misinformation on a daily basis. They are not satisfied with the mere humiliation of May, Johnson, Gove, Davis, Fox and their supporters and apologists (including the Labour front bench!). No, they are turning up the next day, every day, day after day, demanding answers and an end to Brexit.


Thursday, 12 October 2017

Why Would The #Brexiteers Lie?

Follow the money. 

Years of low interest rates have made investors desperate for higher returns, and volatile markets mean lots of big ups and downs, like the rollercoaster ride we've seen since the Brexit vote and are likely to see for many years as a result. Movement either way is an opportunity for speculators to make money, even if the longer term trend is down. And paying rock-bottom prices for UK assets could mean good profits can be made selling them to predatory trade partners in the future

At any rate, steady as she goes won't cut it for the wealthy investor - which is why "strong and stable" is just another #Brexiteer lie. After all, the wealthy don't have to live in Britain when the going gets tough.

So this is why the Leave campaign was largely funded by 5 wealthy financial investors, and why after the Brexit vote, George Osborne knew it was best to leap into an investment fund manager

And now that Brexit is hitting the buffers, guess what? Legatum, the Tory's hard-Brexit stupidity "think" tank has received £4m from a wealthy investor from New Zealand who Private Eye says made his money "by finding undervalued assets the rest of market ignored – “transition economies or distressed sectors where information is not easily available and standard metrics don’t apply”.

It's still unclear where the so-called "Institute for Free Trade" got its money, but it has similar hallmarks to the other Brexiteer stunts.


Make no mistake: Brexit is for a few, not the many who are unwitting pawns in their game. 


Monday, 9 October 2017

Are Retailers Prepared For Financial Regulation From 13 January 2018?

Three years after being announced in the UK and I suspect many retailers are still yet to realise that their loyalty/store card programmes will be regulated by the Financial Conduct Authority from 13 January 2018 - likewise across the European Economic Area. 

As the FCA now also explains, retailers who offer such programmes anywhere in the EEA will need to track the annual transaction volumes very carefully, starting with the completely arbitrary and inconvenient date of 13 January 2018. 

If the volume meets or exceeds €1 million (or the GBP or local currency equivalent) in any 12 month period (the first ending on 12 January 2019), the retailer must notify the FCA (or local regulator) within 28 days (by 10 February 2019).  Firms may also choose to register at any time from 13 October 2017.

But be sure of the outcome before you decide whether or not to register!

The regulator must then decide whether the programme is exempt from regulation as an e-money/payment service.  

If the firm fails to notify, it commits an offence under the Payment Services Regulations 2017 (or local equivalent implementing the second Payment Services Directive (PSD2)). 

If the FCA decides the programme is exempt, then it must include the retailer on the FCA's register of 'limited networks', and the name will be added to a central register of all such firms across the EEA.

If the FCA decides the programme is not exempt from regulation the retailer can appeal, but basically this means the firm will have been found to be violating the Electronic Money Regulations 2011 and/or Payment Services Regulations 2017 by issuing e-money and/or offering a payment service without being duly authorised/registered to do so. Major problem!

So retailers really have to decide now whether they should outsource the operation of the programme to an authorised firm (or the agent of one); or seek their own authorisation (or agency registration). Ultimately, they might restructure the scheme to fit the exemption, or shut it down.

Of course, the mere fact that retailers with loyalty schemes have to be mindful of these requirements and go through the process means they are in effect regulated by the FCA. Ignorance, as they say, is no defence.


Tuesday, 19 September 2017

BigTech Must Reassure Us It's Human

Recent issues concerning the purchase of lethal materials online, "fake news" and secure messaging highlight a growing tension between artificial intelligence and human safety. To continue their unbridled growth, the tech giants will have to reassure society that they are human, solving human problems, rather than machines solving their own problems at humans' expense. While innovation necessarily moves ahead of the law and regulation, developments in artificial intelligence should be shaped more by humane and ethical considerations, rather than outsourcing these to government or treating them as secondary considerations.

In the latest demonstration of this concern, Channel 4 researchers were able to assemble a 'shopping basket' of potentially lethal bomb ingredients on Amazon, partly relying on Amazon's own suggestion features or 'algorithms' ("Frequently bought together” and “Customers who bought this item also bought...”), which even suggested adding ball-bearings. This follows the phenomenon that emerged during the Brexit referendum and US Presidential election whereby purveyors of 'fake news' received advertising revenue from Facebook while targeting gullible voters.

Neither business is keen to proactively monitor or police its services for fear of conceding an obligation to do so and rendering itself liable for not doing so where the monitoring fails.

Channel 4 quoted Amazon as merely saying that:
"all products must adhere to their selling guidelines and all UK laws. [We] will work closely with police and law enforcement agencies should they need [us] to assist investigations." [update 20.09.17: Amazon is reported to have responded the next day to say that it is reviewing its website to ensure the products “are presented in an appropriate manner”.]
Amazon makes a valid point. After all, the same products can be bought off-line, yet unlike an offline cash purchase in a walk-in store, if they are bought on Amazon there is likely to be a digital 'audit trail' showing who bought what and where it was delivered. Indeed, it's conceivable that Amazon had alerted the authorities to the nature of the items in Channel 4 researchers' shopping basket and the authorities may have allowed the session to run as part of a potential 'sting' operation. It is perhaps understandable that neither Amazon nor the authorities would want to explain that publicly, but it would be comforting to know this is the case. Channel 4 is also somewhat disingenuous in suggesting this is an Amazon problem, when less well-resourced services or other areas of the Internet (the 'dark web') may well offer easier opportunities to purchase the relevant products with less opportunity for detection.

At any rate, the main difference, of course, is that no one from an offline store is likely to help you find missing ingredients to make a potentially lethal device (unless they're already part of a terror cell or perhaps an undercover operative) - and this is the key to Amazon's enormous success as a retail platform. It's possible, however, that a helpful employee might unwittingly show a terrorist where things are, and Amazon might equally argue that its algorithms don't "know" what they are suggesting. But whether it's because of the 'promise' of the algorithms themselves, there is a sense that the algorithm should not be vulnerable to abuse in this way.

Similarly, in the case of Facebook, the social network service has become a raging success because it is specifically designed to facilitate the exchange of information that generates passionate connections amongst like-minded people far more readily than, say, the owner of a bar or other social hang-out or a newspaper or other form of traditional media. Equally, however, Facebook might argue that the helpful algorithms aren't actually "aware" of the content that is being shared, despite use of key words etc. Meanwhile, WhatsApp seems to have declined to provide a terrorist's final message because it could not 'read' it (although the authorities seem to have magically accessed it anyway...).

Just as we and the online platform owners have derived enormous benefit from the added dimensions to their services, however, we are beginning to consider that those dimensions should bring some additional responsibilities - whether merely moral or legal - possibly on both users and service providers/developers.

In many ways the so-called 'tech giants' - Apple, Amazon, Alphabet (Google), Facebook and others - still seem like challengers who need protection. That's why they received early tax breaks and exemptions from liability similar to those for public telecommunications carriers who can't actually "see" or "hear" the content in the data they carry. 

But while it's right that the law should follow commerce, intervening only when necessary and in a proportionate way to the size and scale of the problem, the size and reach of these platforms and the sheer pace of innovation is making it very hard for policymakers and legislators to catch up - especially as they tend to have wider responsibilities and get distracted by changes in government and issues like Brexit.  The technological waves seem to be coming faster and colliding more and more with the 'real world' through drones and driverless cars, for example. 

The question is whether these innovations are creating consequences that the service providers themselves should actively address, or at least help address, rather than ignore as 'externalities' that government, other service providers or society must simply cope with.

The tech giants are themselves struggling to understand and manage the scale and consequences of their success, and the relentless competition to attract the best talent and the race to push the boundaries of 'artificial intelligence' sometimes presents as a declaration of war on the human race. Even the government/university endowed Alan Turing Institute seems to consider the law and ethics as somehow separate from the practice of data science. Maybe algorithms should be developed and tested further before being released, or be coded to report suspicious activity (to the extent they might not already).  Perhaps more thought and planning should be devoted to retraining commercial van and truck drivers before driverless vehicles do to them what the sudden closure of British coal mines did to the miners and their communities (and what the closure of steel mills has done since!).

In any event, the current approach to governance of algorithms and other technological leaps forward has to change if the 'bigtech' service providers are to retain their mantle as 'facilitators' who help us solve our problems, rather than 'institutions' who just solve their own problems at their customers' expense. They and their data scientists have to remember that they are human, solving human problems, not machines solving their own problems at humans' expense.

[update 20.09.17 - It was very encouraging to see Channel 4 report last night that Amazon had promptly responded more positively to researchers' discovery that automated suggestion features were suggesting potentially lethal combinations of products; and is working to ensure that products are "presented in an appropriate manner". The challenge, however, is to be proactive. After all, they have control over the data and the algorithms. What they might lack is data on why certain combinations of products might be harmful in a wider context or scenario.]


Thursday, 7 September 2017

FinTech: BIS Shakes The Banking Snow Globe - Anything Could Happen, Nobody Blamed

At least 17 years too late, the Bank for International Settlements (the central bank for central banks) has become very concerned about the impact of technology on the finance world. So concerned, in fact, that it has... produced a report for comment by the end of October.  Cue another vast exercise in global regulatory group-think...

The scenario is already amusing, but the report is laugh-out-loud material. It argues persuasively for every possible outcome, like some management consulting report on e-commerce from the early days of the Internet. Some banks will survive, others won't, for at least 10 significant reasons. Choose your bank, take your pick. Though in reality every bank is probably subject to all 10 in some way or other. 

Recommended actions are lofty and bland. They do not herald a departure from "same business, same risks, same rules" mantra that got the banking industry (and the broader regulated finance sector) into the current mess, nor any realisation that "fintech" doesn't represent the "same business" in the first place. In fact, we heard all the same stuff from central bankers back in April.

Never mind the obvious overall conclusion that the sector as a whole is doomed to wither for being glacially slow to adapt, brittle, hidebound and herd-like. Even central banks and BIS itself are clearly at risk. Maybe that's why some of them (and securities regulators) have now resorted to banning "initial coin offerings" of digital currencies without even being able to coherently explain why. The lack of self-awareness is hilarious. 

Anything could happen, but rest assured none of the this lot will be blamed.


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