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Data Analysis: Commercial Real Estate Troubles Threaten U.S. Banks
The U.S. banking system is on a precipice as exposures to commercial real estate grow and banks grapple with high interest rates, according to an analysis by a finance professor at Florida Atlantic University. Of the 158 largest banks, 59 in the country are facing exposures to commercial real estate greater than 300% of their total equity capital, as reported in the fourth quarter 2024 regulatory data and shown by the U.S. Banks’ Exposure to Risk from Commercial Real Estate screener. “Regulators have been putting pressure on banks to reduce their exposures. However, it’s a very difficult thing to do without sending a signal of weakness to the market and creating more problems,” said Rebel A. Cole, Ph.D., Lynn Eminent Scholar Chaired Professor of Finance in FAU’s College of Business. “To get around this, many banks are ‘extending and pretending’ by restructuring their loans.” The U.S. Banks’ Exposure to Risk from Real Estate screener, a part of the Banking Initiative at Florida Atlantic University, measures the risk to exposure from commercial real estate at the 158 largest banks in the country with more than $10 billion in total assets. Using publicly available data released quarterly from the Federal Financial Institutions Examination Council (FFIEC) Central Data Repository, Cole calculates each bank’s total CRE exposure as a percentage of the bank’s total equity. Bank regulators view any ratio over 300% as excess exposure to CRE, which puts the bank at greater risk of failure. Troubled debt restructuring for commercial construction, multifamily, owner-occupied and owner-non-occupied mortgages tripled since 2023. They reached $18 billion in the fourth quarter of 2024, up from $6 billion in Q2 2023, according to data from the FFIEC. While non-owner occupied nonfarm, non-residential accounts for more than half of these amounts, there is also serious deterioration in multifamily and commercial construction loans. “Banks choose to extend these loans, hoping interest rates might drop. While the Fed did cut rates,” Cole said. “If a loan is maturing from five years ago in today’s rate environment, rather than refinance it with today’s terms, they will restructure the loan under the same terms from five years ago for another year. This all depends on interest rates falling, which is not likely to happen this year.” Among banks of any size, 1,788 have total CRE exposures greater than 300%, up from 1,697 in Q3; 1,077 have exposures greater than 400%, up from 971 in Q3; 504 have exposures greater than 500%, up from 426 in Q3; 216 have exposures greater than 600%, up from 166 in Q3. For comparison, the aggregate industry total CRE exposure is 132% of the total, unchanged from the third quarter of 2024. Looking to know more? We can help. Rebel Cole is available to speak with media about commercial real estate and the potential threats to the American banking system, Simply click on his icon now to arrange an interview today.
Transforming Work Meetings: Strategies for More Effective and Engaging Collaboration
I’m sure you’ve heard it before—maybe from colleagues, leaders, friends or even yourself: “I am dreading my upcoming meeting.” Work meetings often have a bad reputation. People commonly complain about their frequency, the lack of purpose or how tedious they can feel. Memes and phrases like “this meeting should have been an email” have become cultural staples. Yet, over 55 million meetings take place daily in the United States. The average employee spends nearly 10 hours each week in meetings, and for executives, this number jumps to nearly half their working time. If meetings are as unproductive as people claim, consider how much of a CEO’s salary is wasted on ineffective discussions! Rather than seeing this as a hopeless situation, I view it as an opportunity. My research focuses on making work meetings more effective, engaging and satisfying, ultimately leading to better outcomes for individuals, teams and organizations. I call myself a “meeting scientist,” studying and sharing best practices for every stage of a meeting—before, during and after. BEFORE THE MEETING Meeting success starts with preparation. Research suggests having a clear and purposeful agenda shared in advance is a crucial factor in making meetings more effective. Be intentional about your attendee list—over-inviting can reduce inclusion and participation. Focus on who absolutely needs to be there, and consider listing others as optional participants. Aim to keep meetings as short as possible while still achieving your objectives. Avoid defaulting to the hourlong meeting just because it’s standard practice. Designing a meeting requires intention—every element should have a purpose. “My research focuses on making work meetings more effective, engaging and satisfying, ultimately leading to better outcomes for individuals, teams and organizations.” DURING THE MEETING Whether you’re facilitating or participating, engagement is key. Actively involve attendees, ask and answer questions and ensure quieter voices are included. Consider using round-robin discussions to ensure everyone has a chance to speak, incorporating interactive elements, like polls or brainstorming sessions, and creating a safe environment where participants feel comfortable sharing their thoughts. AFTER THE MEETING The meeting isn’t over until next steps are clearly defined. Take five minutes to recap key points, decisions and action items. Assign responsibilities and deadlines to specific individuals—Joe should leave knowing his next task, and Kate should understand when her deliverables are due. All participants should walk away feeling that something was accomplished, they have a clear path forward and their time was well spent. While these best practices might seem obvious, they’re surprisingly rare—75% of managers report never being trained on how to design or lead a meeting, even though they spend a significant portion of their roles in meetings. This lack of training is a missed opportunity to foster more productive and engaging collaboration. Looking to know more? We can help. Dr. Liana M. Kreamer is an Assistant Professor in the Industrial Organizational Psychology program at Florida Institute of Technology. She is available to speak with media. Contact Adam Lowenstein, Director of Media Communications at Florida Institute of Technology at adam@fit.edu to arrange an interview today.
Expert Opinion: Maneuvering friendships in the age of half-truths can be challenging
I recently shared an op-ed written by my colleague and friend, Ted Petersen, on a few social media sites. His thoughtful piece advocated for media literacy education. Later that day I received an alert that someone had commented on my post. The comment, made by a dear friend, alluded to disinformation about U.S.A.I.D.’s use of funds ― a false assertion that the federal agency supported the news outlet Politico for partisan gain. The comment was a perfect example of why media literacy education is important ― not just for school children. It gives people the tools to navigate a borderless media environment in which news and opinion, verified facts and unsubstantiated statements, and information and entertainment coexist. My dilemma after reading the comment was multi-faceted. What should I do? Do I respond? If so, how do I tell my friend that he is misinformed? If I don’t respond, am I shirking my responsibility as a friend, a citizen, an educator? How do I now live in a world in which my friends and family consume and trust media that actively promote disinformation? And, most importantly, how do I live in a world in which people I love are listening to a barrage of messages telling them that I am evil? That I cannot be trusted? That I should be hated? Because underlying his deceptively simple comment is the possibility that, like many, my friend trusts certain media and messages while castigating all those that don’t always align with their world view. These messages are coming through media channels that give voice to leaders and media personalities who gain traction with their audiences by demonizing those they deem their enemies. They use half-truths and outright lies to gain sway with their followers. Anyone who thinks, looks, believes differently cannot be trusted. As a media scholar I have studied media effects, persuasion, and audiences. I’ve analyzed the meaning audiences give messages and how different approaches affect audience perceptions. I’ve written about the importance of narrative and message framing. I have advocated for the ethical use of these powerful tools. As a human being, I’m saddened as I witness blatant disregard for ethical principles in those leaders and media personalities who wield communication like a weapon to undermine trust. The results are impenetrable walls separating us from those who should be our allies. After spending most of my life believing I was part of a community, able to agree or disagree, discuss and argue, to teach and to learn in conversation with others, I find myself the “other.” Dismissed. Demonized. Hated. Not by faceless strangers, but by those dear to me. I suspect I’m not alone in this feeling ― regardless of ideological preferences. Discord is painful. My heart hurts. Yet, I am stubbornly hopeful. When I see my students from different backgrounds, cultures, and generations, discussing ideas for solutions to social issues, I am hopeful. When I hear my pastor fearlessly speaking to the congregation about loving each other even in disagreement, I am hopeful. When I speak to community groups and listen to their concerns and insights, I am hopeful. When I have a long-overdue conversation with my friend instead of relying on mediated social platforms, I am hopeful. I recently spoke to a Rotary Club and borrowed their four-way test to suggest a healthier relationship with media and communication generally. Of the things we produce, consume, or share, we should ask ourselves: Is it the truth? Is it fair to all concerned? Will it build goodwill and better friendships? Will it be beneficial to all concerned? If the answer to any of those questions is no, we should change the channel, seek another source for context, delete the post, block the sender, or adjust our message so we can answer yes And if you are asking yourself why you should be fair, or build goodwill, or benefit anyone from “the other side” ―perhaps scroll through your photos or look at the pictures on your desk or mantel. We are not adversaries. We’re on the same side. It’s time to stop listening to those who tell us otherwise. Heidi Hatfield Edwards is associate dean in Florida Tech’s College of Psychology and Liberal Arts and head of the School of Arts and Communication where she is a professor of communication. She began her career as a media professional and worked nearly a decade gaining experience across multiple media platforms and in strategic communication. She teaches courses in mass communication, theory, and science communication. Heidi is available to speak with media. Contact Adam Lowenstein, Director of Media Communications at Florida Institute of Technology at adam@fit.edu to arrange an interview today.
Exploring the ripple effect: How teachers' emotions impact student engagement and learning outcomes
The classroom environment is a dynamic ecosystem where the emotional state of educators can significantly influence students' engagement and learning outcomes. In a new article published in Contemporary Educational Psychology, University of Delaware Associate Research Professor Leigh McLean offers a new tool—the Teacher Affect Coding System—for measuring teachers’ emotional expressions and studying how these expressions affect their students’ attitudes toward learning. With co-author Nathan Jones of Boston University, McLean uses this tool to gather new data showing emotional transmission between teachers and their students in fourth-grade classrooms. In the study, McLean and Jones, found that teachers displayed far more positive emotions than negative ones. But they also found that some teachers—about 10%—displayed notable amounts of negative emotions, with some showing negativity during as much as 80% of their instructional time. The students of these teachers reported reduced enjoyment and engagement in their ELA classes and reduced engagement in their math classes. Given the findings of their study, McLean and Jones make several recommendations for teacher preparation and professional learning programs. As a first step, they recommend that teacher preparation and professional learning programs share information about how negative emotions and experiences are a normal part of the teaching experience. As McLean said, “It’s okay to be frustrated!” McLean is available for interviews on the study, the tool and how teachers can help mitigate this effect. Click on her profile to contact her.
Space suit experiment lands on the moon
University of Delaware research made a moon landing on Sunday along with other experiments aboard the unmanned Blue Ghost spacecraft. These projects will help scientists better understand what it will take to successfully land humans on the moon, and could possibly pave the way for an extended stay. The experiment led by UD researcher Norman Wagner and his company STF Technologies, LLC, aims to determine how moon dust particles stick to different materials exposed to the moon’s environment. These particles, called regolith, are fine and very sharp, similar to volcanic rock or dust found on Earth. Prototype spacesuit materials made by UD and STF Technologies will be tested for their ability to repel this moon dust in experiments strapped outside a lunar lander designed to carry payloads to the moon’s surface. The UD spacesuit shell textiles are treated with multiple nanotechnologies, including shear thickening fluid, a revolutionary material co-developed by UD and STF Technologies that normally behaves like a liquid, but becomes a solid under impact, a useful feature when puncture resistance is a priority. The hope is that beyond puncture protection, the STF-infused spacesuit textiles will offer greater dust deterrence, increasing the material’s lifespan in space. Other RAC experiments will test materials for solar cells, optical systems, coatings and sensors. In other related work, the Wagner lab currently has experiments aboard the International Space Station (ISS) through a NASA collaboration to develop new construction materials for lunar exploration. These ISS experiments, part of a Materials International Space Station Experiment (MISSE) that launched last November, extend Wagner’s previous work on ways to make concrete in space, for such items as rocket landing pads, buildings, roads, habitats and other structures. More recent work in the Wagner lab by undergraduate researchers and doctoral students focuses on methods for curing 3D-printed materials in space, including using microwave technology. “Here we aren’t trying to get rid of the moon dust — we are trying to leverage it to create extraterrestrial cement through additive manufacturing on the moon,” said Wagner, Unidel Robert L. Pigford Chair in the Department of Chemical and Biomolecular Engineering. Contact mediarelations@udel.edu to set up an interview.
Understanding resource-backed financing: How countries leverage mineral wealth for economic growth
What exactly is resourced-backed financing and how does it relate to Ukraine-United States relations? That is what Blue and Gold Distinguished Professor of Energy and the Environment Saleem Ali has been investigating. Resource-backed financing has emerged as a significant strategy for countries rich in natural resources to bolster economic growth. This financial model allows nations to leverage their mineral wealth by using future revenues or production of resources as collateral for obtaining loans or investments today. Ali can put this practice into context of a potential deal that is currently being negotiated between Ukraine and the U.S. "The minerals deal could potentially be a win-win for Ukraine and the United States if the agreement is framed around a broader plan for reconstruction and infrastructure development," Ali recently said in an article for Forbes. A regular contributor to Forbes, Ali's expertise has also been featured in The Houston Chronicle, The Guardian and Bloomberg. He can be contacted to speak more on this topic by clicking on his profile.
Jase E. Bernhardt, associate professor of geology, environment, and sustainability and director of meteorology at Hofstra University, talked to WCBS-TV about the string of snow storms forecasted for the New York metropolitan area recently.
Canada’s RRSP Program Has Too Many Jobs
Summary: Since its inception in 1957, the Registered Retirement Savings Plan (RRSP) has been a cornerstone of Canada’s retirement system. However, the RRSP has taken on roles far beyond its original mandate, notably through the Home Buyers’ Plan (HBP) and the Lifelong Learning Plan (LLP). Although these programs provide short-term benefits, they significantly damage the long-term health of Canadians' retirement savings. This article explores how these additional roles are sabotaging retirement savings, highlights statistics about the state of RRSPs today, and discusses the disastrous impact these trends will have on future retirees. While listening to a recent economic presentation by Don Drummond, TD Bank's Chief Economist at the Mortgage Professionals Canada conference, the following stat stood out to me: "Median RRSP savings are $146K (RRSPs have been in existence for 6 decades)" I was stunned by how low this value was. Even with a government pension, in today's economic climate, to achieve a successful retirement, we need more than $146K saved. This prompted me to explore how the average value of RRSPs in Canada could be so low after some of us have had as much as 60 years to save. The average senior aged 65 in Canada receives $18,197 per year from OAS and CPP. If qualified for GIS, they would receive another $15,186 annually, for a total of $33,338 annually. This isn't much income, especially for homeowners who must pay for property taxes, utilities, upkeep, and maintenance. How it All Began At inception, the RRSP was called a Registered Retirement Annuity and was created in 1957. At the time, Canadians could contribute up to 10% of their income to a maximum of $2,500 annually. The goal was to give all Canadians the same tax benefits as members of registered employer-sponsored pension plans. Benefits of the RRSP Plan 1. Tax-Deferral: Contributions to an RRSP are tax-deductible, which can reduce your tax bill. 2. Tax-Free Growth: Your savings grow tax-free while the money is in the plan. 3. Retroactive: You can carry forward any unused contribution room to future years. The Multitasking Disaster Studies show that people are dreadful at multitasking; the same is true of government programs. Here is where the program went wrong. In 1992, the Home Buyer’s Plan (HBP) was made more flexible, which allowed first-time homebuyers to withdraw RRSP funds to buy a house. Then, in 1999, the Lifelong Learning Plan (LPP) was introduced, which permitted withdrawals to pay for education. The Home Buyers' Plan (HBP) was not introduced in 1957 alongside the Registered Retirement Savings Plan (RRSP) creation. Instead, the HBP was introduced in 1992 as a federal initiative to help Canadians buy their first homes by allowing them to withdraw funds from their RRSPs without tax penalties as long as they met specific conditions. Here's a timeline of crucial HBP withdrawal limits since its inception: Timeline of HBP and LLP Withdrawal Limits: 1992 - Introduction of the HBP • Maximum Withdrawal Limit: $20,000 per individual. • Purpose: To help first-time homebuyers purchase or build a home. 1999 – Introduction of Lifelong Learning Plan (LLP) • The annual withdrawal limit is $10,000 per individual • The lifetime withdrawal maximum is $20,000 per individual 2009 - First HBP increase • New Limit: $25,000 per individual. • The increase was introduced as part of federal budget changes to reflect rising housing costs. 2019 - Second HBP Increase • New Limit: $35,000 per individual. • Announced in the 2019 federal budget to support affordability for first-time homebuyers. 2019 -HBP Enhancement for Life Events • The HBP was expanded to allow individuals experiencing a marriage or common-law partnership breakdown to participate, even if they were not first-time homebuyers. 2024 - Recent increase • New Limit: $60,000 per individual. • The increase was introduced as part of federal budget changes to reflect rising costs. A Flawed Strategy The Home Buyers' Plan (HBP) and Lifelong Learning Plan (LLP) were introduced in Canada as tools to make housing and education more accessible. While well-intentioned, these programs effectively allow individuals to borrow from their future retirement savings—a strategy that can have significant negative consequences. Ask any high school economics student, and they will tell you that compromising two of the three main elements (principle and time) in investing growth will lead to a disappointing return. Here is the formula: principle X interest + time = compounded return. Are We Borrowing From the Future to Pay for Today? The Problem with the Home Buyers’ Plan (HBP): Addressing Housing Affordability at the Expense of Retirement The HBP permits individuals to withdraw up to $60,000 from their RRSP to buy a first home. In an environment of rising house prices, this measure may help buyers cobble together a down payment, but it drains retirement funds. The funds are unavailable to grow tax-free over decades, diminishing the compounding returns essential for retirement security. The Problem with the Lifelong Learning Plan (LLP): Financing Education by Sacrificing Retirement The LLP allows up to $20,000 in RRSP withdrawals to fund education, which can help individuals upskill. However, education often doesn’t yield immediate returns, and the withdrawn funds lose their growth potential, including the compounded returns. Why This Harms Future Retirees Issue #1: Loss of Compounding Growth Withdrawals disrupt the power of compounding, which is vital for retirement savings. For example, $35,000 left in an RRSP for 25 years at a 6% annual return could grow to over $150,000. If that same $35,000 were withdrawn 15 years ago and repaid over the same period as required by the HBP program, it would be worth $54,311, a loss of $95,689 Issue #2: Repayment Struggles While repayments are required, life’s expenses (mortgage, childcare, loans) often make it hard to repay on schedule. Failure to repay means the amount withdrawn is added to taxable income, further reducing the effectiveness of the programs. Issue #3: Insufficient Savings Most Canadians are already under-saving for retirement. Encouraging them to dip into their RRSPs exacerbates this shortfall. Two Different Problems. One Harmful Solution Housing Affordability Rising house prices are driven by supply-demand imbalances, speculation, and policy failures—not a lack of down payments. Increasing the HBP withdrawal limit does nothing to address the root causes of affordability, but it may drive prices higher by giving buyers more purchasing power. Retirement Security Retirement savings should be preserved and grown to ensure financial stability in later years. Programs like HBP and LLP blur the line between short-term needs and long-term planning. Why Would our Government Do This? Political Expediency Housing affordability and access to education are politically sensitive issues. Allowing individuals to tap into their RRSPs is a cost-neutral policy for the government (unlike direct subsidies or programs). Policies like these help politicians get elected or stay in office. And in proper political form, these policies only tell half the story. Vote for us because we will help you buy your first home, which is a great campaign strategy. Vote for us because we will make it look like we help you buy your first home when, in fact, we will set up a program that will allow you to borrow from yourself at the cost of your retirement, which is political suicide. Short-Sighted Economic Policies Policymakers may believe that homeowners and educated individuals are more financially secure, even if their retirement savings are compromised. The logic might be that owning a home or having better job prospects could mitigate future hardship. Assuming Home Equity is a Safety Net The government might assume that homeownership ensures financial stability in retirement. However, this overlooks that rising housing costs often mean seniors have high debt levels or are "house rich but cash poor." The Bigger Problem with the HBP and LLP Programs: No Warnings or Education Given to Canadians Neither the HBP nor the LLP adequately informs individuals of the long-term consequences of their decisions. To make matters worse, the participants of these programs will likely realize the impact once it is too late to take action. People considering retirement are often in their late 50s to early 60s, past their prime saving years. Borrowing from retirement accounts may seem like “borrowing from yourself,” but this lost growth can never be recouped. Many Canadians are not well enough informed to assess these trade-offs, leading to decisions that harm their financial future. In Case You’re Thinking, These Seniors Have Inadequate Savings - But at They At Least their Homes. The HBP and LLP programs may reflect a government view that seniors would be better off owning a home than relying solely on inadequate savings. But this is flawed for a number of reasons: A home is not a liquid asset—it cannot pay for groceries or healthcare. Also, Seniors with insufficient retirement savings often need help with financial distress despite owning property. They sometimes need reverse mortgages or sell their homes out of desperation. An Unfortunate Misguided Solution Rather than “quick fixes” that appear to solve immediate challenges while creating long-term problems, the Federal government should instead focus on longer-term, systemic solutions For housing: Governments need to curb speculative investments and provide targeted assistance for first-time buyers. Plus they need to focus on programs that increase housing supply, such as income tax incentives for homeowners to build accessory dwelling units (ADUs). These units could be rented out or used for caregivers. Or adopt a policy allowing first-time home buyers to not pay tax on their first $250,000 of income. First-time home buyers could use the tax savings as a down payment. For Education: Governments need to expand grant programs and low-interest loans to prevent reliance on retirement funds. This will not only help us increase the number of skilled workers to fill critical gaps in vital sectors such as technology, healthcare engineering and the trades. It will also contribute to a higher GDP and build a more sustainable tax base for future generations. Encouraging Canadians to steal from their future is not a sustainable strategy. Retirement savings should be viewed as sacred - not a piggy bank for solving unrelated issues. Don’t Retire … Re-Wire! Sue
In another milestone commitment to community health, ChristianaCare today announced a $1.6 million investment in 25 local nonprofits, unveiling the recipients of its Community Investment Fund during a special celebration at The Ministry of Caring in Wilmington. Since 2019, ChristianaCare’s Community Investment Fund has provided more than $5.6 million to 64 organizations, addressing social, behavioral and environmental health factors. ”ChristianaCare is empowering and supporting our nonprofit partners so they can help meet the many needs of the people they serve, and work with us to improve patient health and create healthy communities and a healthy Delaware,” said Bettina Tweardy Riveros, chief health equity officer at ChristianaCare. This year’s recipients received funding to support health improvement initiatives in neighboring communities and address critical issues and community needs. “Each of these recipients is making a significant and positive impact by addressing critical health challenges throughout our communities, including food insecurity, housing insecurity and environmental health. At ChristianaCare, we are honored to be joining forces with these 25 organizations to provide them with more resources so that they do more for those in need. It is another way we care for our community,” she said. The funded initiatives will be implemented throughout the upcoming year and were selected based on the quality of applicants’ proposals and implementation plans, and on the alignment of their proposals with the critical issues prioritized by the community in ChristianaCare’s Community Health Needs Assessment and Community Health Implementation Plan. Recipient Spotlight: Healthy Food for Healthy Kids "The impact of ChristianaCare’s 2024 Community Investment Awards funds on Healthy Foods for Healthy Kids will be felt not only in 2025 but for years to come. This funding will expand our program to an additional school, serving over 600 more students, and support data and research for future growth." Healthy Food for Healthy Kids, Lydia Sarson, Executive Director. Recipient Spotlight: Project New Start “Approximately 85% of the justice-involved individuals served by Project New Start are housing and food insecure. With ChristianaCare’s 2024 Community Investment Fund Award to Project New Start, which began 11/01/24, we have already been able to assist 23 individuals with clothing and household goods; 20 individuals with transportation assistance; 17 individuals with food support; and 7 individuals with housing as of 12/31/24. The impact of these funds cannot be overstated as this investment by ChristianaCare provides Project New Start the means to provide the critical basic needs an individual requires to live with dignity without the trauma of worrying about where they will sleep, how they will eat and how they can sustain employment. We are so grateful to ChristianaCare for their ongoing support.” Priscilla Turgon, Founder and Executive Director of Project New Start, Inc. Recipient Spotlight: YMCA of Delaware - Central YMCA Supportive Housing Program “The Central YMCA Supportive Housing Program, in partnership with Christiana Care, serves low-income men at risk of homelessness who often face trauma, addiction, disabilities or lack of family support. Through stable housing, nutritious meals, welcome packages, rental assistance and supportive activities, the program fosters community wellbeing, improves health outcomes, prevents homelessness and empowers residents to achieve self-sufficiency.” Jimia Redden, Executive Director of Housing. This year’s Community Investment Fund recipients are: • AIDS Delaware: AIDS Delaware’s mission is to eliminate the spread and stigma of HIV/AIDS, improve the lives of those living with HIV/AIDS and promote community health through comprehensive and culturally sensitive services, education programs and advocacy. • Black Mothers in Power: Black Mothers in Power seeks to eradicate racial health disparities for Black birthing people and Black babies throughout Delaware. • Boys & Girls Club of DE: Boys & Girls Clubs of Delaware inspires and enables young people, especially those most in need, to reach their full potential as productive, responsible, caring citizens. • Children and Families First DE: Children & Families First is one of Delaware's oldest and most trusted non-profit leaders in providing the supports and services children and their families need to thrive. • Claymont Community Center - Brandywine Resource Council: Claymont Community Center is a base for a variety of community organizations supporting educational, social, recreational, cultural, personal development, financial and wellness needs. • Delaware Center for Horticulture: The Delaware Center for Horticulture cultivates greener communities by inspiring appreciation and improvement of the environment through horticulture, education and conservation. • Delaware Futures, Inc: Delaware Futures empowers at-promise high school and middle school youth across the state of Delaware by providing year-round, trauma-informed curricula tailored to students at each grade level. • Delaware Nature Society: Delaware Nature Society connects people and nature to create a healthy environment for all through education, conservation and advocacy. • Do Care Doula: Do Care Doula provides grant-funded Doula training and development, subsidized Doula support and a variety of community outreach programs. • Healthy Food for Healthy Kids: Healthy Food for Healthy Kids supports educators in Delaware, bringing life-lasting benefits of gardening and good nutrition to kids. • Jefferson Street Center: The mission of JSC is to advance community-driven priorities in Northwest Wilmington that promote the conditions necessary for all residents to thrive. • Latin American Community Center: LACC seeks to empower members to become contributing members of society through advocacy and offers programs and services to anyone ages of one to 101. • Milford Housing Development Corporation: Milford Housing Development Corporation is a value-driven, nonprofit, affordable housing developer, providing services throughout Delaware. Its mission is to provide decent, safe, affordable housing solutions to people of modest means. • Ministry of Caring: Since Brother Ronald began the ministry in 1977 with the first shelter for homeless women on the Delmarva Peninsula, the Ministry has worked ceaselessly to ease the needs and struggles of our neighbors. • ONCOR Coalition: ONCOR’s vision is to build and promote spaces that connect people to the city and each other. It promotes positive relationships through community-based educational programs and recreational opportunities. • Our Daily Bread Dining Room of MOT: ODB is the only soup kitchen in the Middletown, Odessa and Townsend region. ODB is a volunteer run organization with over 300 volunteers. Volunteers help purchase and pick up food and ingredients, prepare and serve meals and clean and maintain the facility. • Project New Start: Project New Start provides a comprehensive cognitive behavioral change/workforce development initiative for individuals transitioning out of state and federal institutions. • Ray of Hope Mission Center: Ray of Hope’s mission is to recognize and address the needs of those who are struggling within our community and assist them in their efforts to provide for themselves and their families, both physically and spiritually. • St. Patrick's Center: Serving people in Wilmington’s East Side neighborhood since 1971, St. Patrick’s Center is a nonprofit organization that operates a Senior Center, and provides meals, groceries, clothing, paratransit and social service support to the public. • The Resurrection Center: The purpose of the Resurrection Center is to spread the gospel of Jesus Christ and create a spirit-filled environment that hungers for the Gospel and to serve as liberating agents in the midst of the world. • Voices of Hope: Voices of Hope’s mission is to empower lives and foster recovery. The nonprofit is dedicated to supporting individuals and families facing substance use disorder. Through compassion, education and community engagement, Voices of Hope strives to break the chains of addiction, promoting a healthier, brighter future for all. • West End Neighborhood House: At West End Neighborhood House, staff, clients, volunteers and donors work together to resolve complex social challenges throughout Delaware. Through outcomes-driven programming, the West End Neighborhood House provide support that meets community needs in finances, housing, education, employment and family services. • Westside Family Healthcare: Westside Family Healthcare is a community-minded, non-partisan health center located in Delaware. Westside opened its doors in 1988 and has maintained status as a Federally Qualified Health Center since 1994. • Wilmington HOPE Commission Inc.: The Hope Commission is a reentry program that helps formerly incarcerated men return to their community. It offers support services that address factors known to lead to repeat offenses. • YMCA of Delaware: The Central YMCA Supportive Housing Program offers housing for men aged 18 and older. Residents benefit from dorm-style accommodations, discounted access to the fitness center and connections to a range of health and human service providers in partnership with the YMCA.
The research was carried out by the University of Birmingham’s Katie Edwards and Aston University’s Jackie Blissett and James Reynolds Both the availability of high-calorie options and their position on the menu affects teenagers’ choices Restaurants provide an important location for implementing low-cost and high-reach interventions to tackle obesity. New research from the University of Birmingham and Aston University has found that putting lower-calorie meal choices at the top of a restaurant menu, and reducing the availability of high-calorie options, makes teenagers more likely to order the healthier options. Childhood obesity rates have been increasing year on year, with government pledges and targets to reduce obesity unfulfilled or missed. Restaurants are a common food environment for adolescents, with one fifth of children consuming meals out at least once a week. The study has been published in the journal Appetite. Dr Katie Edwards, research fellow in psychology at the University of Birmingham and a visiting researcher at Aston University, who led the study, said: “Childhood obesity is a significant public health challenge. A key period for targeting dietary intervention is adolescence, when young people become more independent, making their own decisions about diet and socialising with friends more. Interventions have targeted healthy eating at home and at school, but we wanted to see how altering restaurant menus can impact the choices teenagers make.” The researchers asked 432 13 to 17-year-olds to take part in an online experiment. They presented the teenagers with three different menus, with five starters, ten main courses and five desserts in separate sections, as one would find on a standard restaurant menu. Each menu was slightly different; one which reduced the number of high-calorie options on offer, one with menu positioning of low- to high-calorie meals, one which combined the availability and position interventions, and then one ‘typical’ menu. The participants were asked to select a starter, main and dessert from each menu. The experiment showed that the availability and the position interventions resulted in significantly lower calorie meal choices, compared to the choices made from the menu with no intervention (the ‘typical’ menu). The average number of calories for a selected meal reduced from 2099.78 to 1992.13 when the items were ordered from least to highest calorie content. The availability intervention reduced it from 2134.26 kcal to 1956.18 kcal. The group who had the combined availability and positioning intervention menu saw their meals’ calorie value plummet from 2173.60 kcal to 1884.44 kcal. The study also found that the positioning intervention had the biggest impact on main course choices. The availability intervention and the combined interventions, on the other hand, did not have a big impact on the calorie value of main course choices. The availability intervention had the most impact on starter choices. None of the interventions had a significant impact on dessert choices. Dr Edwards said: “Main menu choices saw the biggest reduction in calories following the position intervention, going from 1104.17 kcal to 1045.16 kcal, while the availability intervention saw the biggest reduction in the starter option. While not all interventions saw statistically significant reductions for all courses, each intervention saw a significant reduction in the calorie content of the overall meals.” Dr James Reynolds, senior lecturer in psychology at Aston University, said: “People tend to consume higher calorie meals when they eat out, so restaurants provide an important location for implementing low-cost and high-reach interventions which can encourage healthier eating in teenagers. Many restaurants are already required to display calorie information on their menus, but our research has shown that tactics like altering the position or availability of high-calorie options on menus could also be a useful tool in trying to reduce obesity and help young people make healthier choices. The next step for this research would be to replicate the study in restaurant settings.” Read the full paper in the journal Appetite at https://www.sciencedirect.com/science/article/pii/S0195666324005749
