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Aston University study reveals the illusion of ‘dazzle’ paint on World War I battleships
The Zealandia in wartime dazzle paint. Image: Australian National Maritime Museum on The Commons Geometric ‘dazzle’ camouflage was used on ships in WWI to confuse enemy onlookers as to the direction and speed of the ship Timothy Meese and Samantha Strong reanalysed historic data from 1919 and found that the ‘horizon effect’ is more effective for confusion When viewing a ship at distance, it often appears to be travelling along the horizon, regardless of its actual direction of travel – this is the ‘horizon effect’. A new analysis of 105-year-old data on the effectiveness of ‘dazzle’ camouflage on battleships in World War I by Aston University researchers Professor Tim Meese and Dr Samantha Strong has found that while dazzle had some effect, the ‘horizon effect’ had far more influence when it came to confusing the enemy. During World War I, navies experimented with painting ships with ‘dazzle’ camouflage – geometric shapes and stripes – in an attempt to confuse U-boat captains as to the speed and direction of travel of the ships and make them harder to attack. The separate ‘horizon effect’ is when a person looks at a ship in the distance, and it appears to be travelling along the horizon, regardless of its actual direction of travel. Ships travelling at an angle of up to 25° relative to the horizon appear to be travelling directly along it. Even with those at a greater angle to the horizon, onlookers significantly underestimate the angle. Despite widespread use of dazzle camouflage, it was not until 1919 that a proper, quantitative study was carried out, by MIT naval architecture and marine engineering student Leo Blodgett for his degree thesis. He painted model ships in dazzle patterns and placed them in a mechanical test theatre with a periscope, like those used by U-boat captains, to measure how much onlookers’ estimations of the ships’ direction of travel deviated from their actual direction of travel. Professor Meese and Dr Strong realised that while the data collected by Blodgett was useful, his methods of experimental design fell short of modern standards. He’d found that dazzle camouflage worked, but the Aston University team suspected that dazzle alone was not responsible for the results seen, cleaned the data and designed new analysis to better understand what it really shows. Dr Strong, a senior lecturer at Aston University’s School of Optometry, said: “It's necessary to have a control condition to draw firm conclusions, and Blodgett's report of his own control was too vague to be useful. We ran our own version of the experiment using photographs from his thesis and compared the results across the original dazzle camouflage versions and versions with the camouflage edited out. Our experiment worked well. Both types of ships produced the horizon effect, but the dazzle imposed an additional twist.” If the errors made by the onlookers in the perceived direction of travel of the ship were entirely due to the ‘twist’ on perspective caused by dazzle paintwork, the bow, or front, of the ship, would always be seen to twist away from its true direction. However, Professor Meese and Dr Strong instead showed that when the true direction was pointing away from the observer, the bow was often perceived to twist towards the observer instead. Their detailed analysis showed a small effect of twist from the dazzle camouflage but a much larger one from the horizon effect. Sometimes these effects were in competition, sometimes in harmony. Professor Meese, a professor of vision science at the School of Optometry, said: “We knew already about the twist and horizon effects from contemporary computer-based work with colleagues at Abertay University. The remarkable finding here is that these same two effects, in similar proportions, are clearly evident in participants familiar with the art of camouflage deception, including a lieutenant in a European navy. This adds considerable credibility to our earlier conclusions by showing that the horizon effect – which has nothing to do with dazzle – was not overcome by those best placed to know better. “This is a clear case where visual perception is more powerful than knowledge. In fact, back in the dazzle days, the horizon effect was not identified at all, and Blodgett's measurements of perceptual bias were attributed entirely to the camouflage, deceiving the deceivers.” Professor Meese and Dr Strong say that more work is required to fully understand how dazzle might have increased perceptual uncertainty of direction and speed but also the geometry behind torpedo-aiming tactics that might have supported some countermeasures. Visit https://doi.org/10.1177/20416695241312316 to read the full paper in i-Perception.
The Road to Treating Substance Use Disorder Starts in the Primary Care Office
For a groundbreaking offering in the treatment of substance use disorders, ChristianaCare’s Family Medicine residency program team received a Wellness Hero Award in the 2024 Delaware Lt. Governor’s Wellness Leadership Challenge. ChristianaCare was recognized for creating “a comprehensive program designed to address the pressing need for behavioral health services in Delaware.” ChristianaCare’s Family Medicine residency established a substance use disorder treatment program in 2020 to identify and provide targeted substance abuse treatment to patients in need and, importantly, to train future providers in the specific and unique issues that patients with addiction often face in primary care settings. “The purpose,” said James LaRosa, M.D., associate residency program director, “is to create an eager and competent workforce of providers ready to help this population.” LaRosa, an alumnus of ChristianaCare’s Family Medicine residency, is also lead for the Family Medicine substance use disorder treatment program. “James was intentionally recruited to our program to carry the torch for this important work,” said Erin Kavanaugh, M.D., FAAFP, chair of Family and Community Medicine. “He has taken the program and department to new heights, particularly in terms of grant-funded work and educational opportunities, all anchored in dedication to comprehensive patient care and improved outcomes.” “Family medicine practitioners take a holistic approach so patients receive personalized and consistent care for better health and well-being for them and their communities,” said Anna Filip, M.D., FAAFP, director of the residency program. “With opportunities like the substance use disorder treatment program, we are preparing the next generation of doctors to treat the whole person.” At the 2024 presentation, then-Lt. Gov. Bethany Hall-Long praised the program for “its impact on closing the gaps in treatment capacity for those with substance use disorders” and “taking measurable steps to expand access to care in our community.” The primary goal of the program is to support patients through withdrawal, LaRosa said. Patients identified for the program via ChristianaCare’s hospitals and emergency departments are connected with the Family Medicine Department to open the door to primary care. The program also provides vital social supports for these patients through the robust ChristianaCare network. “We utilize the services of our in-house social work, behavioral health and case management teams to help provide wraparound services to a population where those things are as crucial as the medical care,” LaRosa said. Third-year resident Deanna Gorgei, D.O., said she chose ChristianaCare’s Family Medicine residency for its “forward-thinking and innovative leadership” who support residents in exploring their interests in the field. One of her interests in addiction medicine. “Not only are residents like me getting this experience in how to treat different substance use disorders, but we’ve also gained exposure on how to set up a program like this,” she said. “It’s been a huge part of my training and has shaped my interest going forward.” Family medicine provides an especially effective setting to treat substance use disorders, in part because its providers are qualified to identify and treat comorbid conditions like hepatitis as well as a host of other illnesses and injuries. “Since starting the program,” said LaRosa, “we have stabilized multiple patients’ chronic medical conditions, identified and treated a patient with bladder cancer, and cured 26 cases of hepatitis C.” Combining care for substance use disorder with primary care, said Gorgei, is appealing for residents and fosters better patient experience and outcomes. “I like being able to have both opportunities,” she said. “It’s so beneficial to have addiction medicine rotate with routine primary care, because it is primary care.”
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.
“There was a guy standing at the end of my hospital bed that I didn’t know,” recalled Brandon Younce. “I’ll never forget this. He had a shirt on that said ‘Got Narcan.’ He introduced himself as Aaron from Voices of Hope. He said he was a peer recovery specialist, and he asked me, ‘Hey, man, are you ready to go to treatment?’” This encounter took place before the peer recovery specialist program at Voices of Hope formally partnered with ChristianaCare’s Union Hospital and the Cecil County Health Department in 2023 to grow the program into the robust offering it is today. For Younce, the program has meant not only a path to reaching and maintaining his own sobriety: It has also allowed him to become a specialist himself. And for the over 600 patients assisted through the program in fiscal year 2024, 440 of whom were connected to long-term recovery treatments, the program has meant receiving a chance at healing under the stewardship of peers who have themselves experienced addiction and recovery. Emily Granitto, M.D., of Emergency Medicine at Union Hospital, said that the process “works really seamlessly: We have a discussion with a patient and say ‘hey, we have someone available. Would you like to talk to peer recovery and see what we can do to help?’ Then a specialist comes, and they talk through the resources and options.” By having the specialist located in-hospital and ready with resources at the patient’s bedside, said Granitto, the chances for a patient’s successful transfer to long-term treatment are much higher than if the patient is expected to fend for themselves upon discharge. “We’re able to address their substance abuse concerns and tie it all into their visit here in the Emergency Department. That opportunity may not necessarily arise otherwise in the community — so offering it here and providing that olive branch can be a good bridge to the next step,” she said. The need for programs like these has never been more urgent. According to a 2022 Community Health Needs Assessment report from ChristianaCare and the Cecil County Health Department, Cecil County’s “drug poisoning death rate” is nearly double the statewide rate and triple the national average. Services like the peer recovery specialists at Union Hospital are a critical lifeline for many. Harnessing the Power of Lived Experience The peer recovery specialist program currently places 10 trained peer specialists at Union Hospital to provide supportive coverage for patients admitted to the emergency room in active withdrawal or with a history of addiction. “The peer program at Union Hospital is the perfect example of what is possible when you harness the power of lived experience and strong community partnerships,” said Health Officer Lauren Levy, JD, MPH, of the Cecil County Health Department. “The collaboration between caregivers and the peer workforce has been integral to strengthening linkages to care and improving health outcomes for people with substance use disorder.” In collaboration with caregivers — including doctors, nurses and social workers — these specialists help to support patients and to connect them with longer-term treatment and rehabilitation options within and outside of ChristianaCare. They’re present and available at the hospital from 8:30 a.m. to 1 a.m., seven days a week. Doctors and nurses who work alongside peer recovery specialists can pair patients with specialists based on patients’ needs; some patients are admitted in active withdrawal, whereas for others, a need for treatment comes up as part of their intake. “What the peers do is really very magical because they can connect to the patient,” said Lisa Fields, manager for community engagement on ChristianaCare’s Cecil County campus, “They can tell their story to the patient and say, ‘This is where I have been. I do understand.’” Partnerships Support People in Need Voices of Hope, with a primary mission of supporting addiction recovery for Maryland residents and their families, trains peer specialists alongside the Cecil County Health Department, another vital partner in the peer recovery specialist program. Training requires 500 hours in the role and 25 hours of supervision from a registered peer supervisor. Peer recovery specialists provide a form of connection that is unique and impactful for someone struggling with substance use disorder: empathy informed by personal experience. For Erin Wright, Voices of Hope’s chief operations officer, this partnership has enabled all the involved providers to build a unique, vital community to support people in need of help. “The opposite of addiction is connection,” she said. “I’ve had doctors come to my peers, and say, ‘How did you just do that?’ A peer can walk in the room and, in 20 minutes, walk out and say, ‘Listen, here’s the plan.” Back in 2019, Younce’s emergency-room encounter with Aaron led to a treatment plan that included rehab, which led to his graduation from treatment and ongoing sobriety, which then led to his decision to become a peer recovery specialist himself and eventually, he hopes, a social worker. “It’s very surreal,” he said, “working at Union Hospital and actually telling patients, like, ‘I know how you feel. I’ve been in this position.’” Recovery Support Through Project Engage in Delaware ChristianaCare’s commitment to supporting patients with substance use disorders is systemwide. Project Engage, a vital initiative serving ChristianaCare’s Newark, Wilmington and Middletown campuses, aids patients struggling with alcohol or drug use by providing early intervention and referrals to substance use disorder treatment. Peer recovery specialists engage with patients in the emergency department and at the bedside, helping them understand their substance use and offering treatment options. Since 2012, Project Engage has served more than 13,000 patients and conducted over 27,000 patient engagements, with more than 60% of these engagements resulting in referrals to community treatment at discharge.
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.
How a Fraudster Almost Stole Graceland
In a recent case that left many “All Shook Up," a Missouri woman attempted to defraud the Presley family by claiming ownership of the iconic Graceland estate. Most stories involving “The King” make for good reading, and they also hold an important lesson for homeowners. This bold scheme is a stark reminder that fraud knows no boundaries—whether you live in a mansion or a modest home, fraudsters can and will target anyone. The Graceland Fraud Attempt Lisa Jeanine Findley, a 53-year-old from Missouri, orchestrated a plan to defraud Elvis Presley’s family of millions by attempting to claim ownership of Graceland. She falsely alleged that Lisa Marie Presley had used Graceland as collateral for a $3.8 million loan that remained unpaid at the time of her death in 2023. To support her claims, Findley fabricated loan documents and filed fraudulent foreclosure notices, threatening to auction the estate if the supposed debt wasn’t settled. Riley Keough, Lisa Marie’s daughter and heir to Graceland, challenged these claims in court, asserting that no such loan existed and labeling the foreclosure attempt as fraudulent. The court sided with Keough, blocking the sale and prompting Findley to withdraw her claims. Subsequently, Findley was arrested and charged with mail fraud and aggravated identity theft. She pleaded guilty in February 2025 and faces up to 20 years in prison, with sentencing scheduled for June 18, 2025. Lawrence v. Maple Trust - A Canadian Fraud Attempt Closer to home, in 2006, Toronto homeowner Susan Lawrence fell victim to a similar scheme. Fraudsters transferred the title of her fully paid-off home into their names and registered a fraudulent mortgage with Maple Trust. Lawrence only discovered the fraud when she attempted to access her home equity. After an initial ruling forced her to bear the mortgage debt, she appealed. The Ontario Court of Appeal reversed the decision, ruling that the lender should bear the loss, not the innocent homeowner. The case took nearly two years to resolve and cost Lawrence an estimated $50,000 to $100,000 in legal fees—not to mention the emotional and financial stress. Lessons for Homeowners about Fraud This case highlights several critical lessons for homeowners: 1. Be Vigilant Against Fraudulent Claims: If fraudsters can attempt to steal Graceland, they can target your home too. Monitor your property records for unauthorized changes. 2. Don't Divulge Sensitive Information: Fraudsters can use social engineering tactics to piece together important information you share and use it to forge or alter property ownership records etc. Be careful with what you share, especially with strangers. 3. Regularly Monitor Property Records: Periodically checking public records for any unauthorized liens or claims against your property can help detect and address fraud early. Online credit reporting services such as Credit Karma offer free apps and email alerts that can help you spot potential fraud. 4. Beware of Contracts: Watch out for deceptive practices employed by certain rental companies, leading to unexpected financial obligations and complications. Using deceptive, high-pressure sales tactics, these companies can leave homeowners burdened with property liens after signing contracts for appliances like furnaces, air conditioners, and water heaters. If you are faced with this, don't rush the process. Do some additional research and/or take the next step below. 5. Consult Legal Professionals: If you are pressured to sign a contract, receive dubious claims, or receive foreclosure notices, seek advice from qualified legal professionals to navigate the situation effectively. 4. Secure Title Insurance: Title insurance protects homeowners against potential defects in the title, including fraudulent claims. It’s a crucial safeguard that can prevent significant financial loss. Let’s unpack this last point about Title Insurance. What is Title Insurance: Your Best Defence Title insurance is a safeguard for homeowners, protecting them against potential issues related to the ownership of their property. This insurance ensures that the homeowner is shielded from financial loss if any unforeseen problems with the property’s title arise. Title insurance is a policy that protects property owners and lenders against financial loss resulting from defects in a property’s title. These defects can include unknown liens, encroachments, zoning violations, or even fraud that may have occurred before the homeowner acquired the property. Unlike other insurance types that cover future events, title insurance addresses past events that could affect property ownership. Why is Title Insurance Necessary? Purchasing a property is often the most significant investment individuals make. Title insurance provides peace of mind by ensuring the property’s title is clear and free from unforeseen issues. Without this protection, homeowners could face legal disputes or financial losses if a problem with the title emerges after the purchase. For instance, if a previous owner’s unpaid taxes or undisclosed heirs come forward claiming ownership, title insurance would cover the legal fees and potential losses associated with resolving these issues. The Cost of Title Insurance in Canada In Canada, the cost of title insurance varies depending on factors such as the property’s value and location. Typically, premiums for residential properties range from $250 to $500. However, the cost can increase for higher-valued properties. This premium is a one-time payment made during the closing process and remains valid for as long as the homeowner owns the property. Providers of Title Insurance in Canada Several reputable companies in Canada offer title insurance. Some of the prominent providers include: FCT (First Canadian Title) Stewart Title Please note: None of the providers above are sponsored links. How to Check if You Have Title Insurance If you’re uncertain whether you have title insurance, consider the following steps: 1. Review Your Closing Documents: Examine the paperwork you received during the property’s purchase. Look for any mention of title insurance policies. 2. Contact your real estate lawyer: The legal professional who helped with your property purchase should have records showing whether title insurance was obtained. 3. Contact Title Insurance Providers: Most Title Insurance companies maintain issued policy records. Contacting them directly can help confirm whether a policy exists for your property. Homeowners Without a Mortgage: A Higher Risk Group If you’re a homeowner who owns their property outright, you can be at a higher risk concerning title-related issues. Why? Fewer parties (such as lenders) monitor the property’s status when no mortgage is in place. By contrast, when a mortgage is involved, most lenders today, as a rule, require title insurance to protect their investment, indirectly safeguarding the homeowner as well. However, some homeowners might overlook obtaining title insurance without a lender's mandate. This leaves you more vulnerable to potential title defects or fraudulent claims against your property. Real estate fraud is not a problem reserved for the wealthy—any homeowner can become a target. Securing title insurance and staying vigilant is the best way to protect your property and your financial future. It's such an important topic, I'll be sharing more tips on title insurance in future posts. After all, as Elvis might say, “What I say is true; if it could happen to the King, it could happen to you.” Don’t Retire … Re-Wire! Sue
UPI news service interviewed Dr. Meena Bose for the article “Trump USAID cuts create vacuums of food, medical care for vulnerable populations.” The president’s effort to downsize government agencies makes good on one of his biggest campaign promises, according to Dr. Bose. While presidents have attempted to increase the efficacy of agencies in the past, the article says Trump’s approach is different. “This is kind of a hatchet approach to doing so but I think it has a certain appeal to the president’s constituencies,” Bose told UPI. “He’s getting things done, cutting through red tape.” Dr. Bose is a Hofstra University professor of political science, executive dean of the Public Policy and Public Service program, and director of the Kalikow Center for the Study of the American Presidency.
Villanova Professor Sees Costs and Benefits in Corporate and Federal Return-to-Office Mandates
In early February, federal agencies submitted plans in accordance with an executive order to initiate an estimated 1 million government employees’ full-time return to their duty stations. The departments’ actions are among the latest in a series of RTO moves enacted since the start of 2025. Notably, they follow policy changes by corporate giants Amazon, AT&T and JPMorgan, who in January began requiring five days of in-person work for select staffers, with justifications ranging from strengthening culture to improving performance. With more employers expected to require in-office work in the coming months, some predict that 2025 could be the “year of the RTO mandate.” But, given the arguments from those pushing for these policies, it’s worth asking: Are these return-to-office requirements truly justified? Do they actually improve communication, strengthen teams and boost productivity, as supporters claim? According to Kyoung Yong Kim, PhD, whose research focuses on telework, strategic human capital management and employee-organization relationships, the answer is complicated—and highly circumstantial. Dr. Kim says that, by gathering coworkers around the proverbial water cooler, RTO policies can in some cases facilitate dialogue, promote teambuilding and foster organizational success. Yet, in other instances, work-from-home (WFH) arrangements can significantly boost employee morale, efficiency and output. “In a recent paper, my colleague Ijeoma Ugwuanyi [a professor at Hong Kong Metropolitan University] and I examined how social distancing initiatives, which reduce interactions among people, impact working relationships,” says Dr. Kim. “We found that they can actually help improve negative ones, at least in employees’ minds.” Analyzing data collected on 105 working relationships among 43 full-time personnel at a South Korean healthcare company, Dr. Kim and Dr. Ugwuanyi discovered that, when afforded extended WFH privileges, colleagues previously at odds were given the space necessary to reassess their outlooks and improve their dynamics—especially when the individuals involved were viewed as competent and warm. As a result, these repaired relationships generally empowered more effective collaboration in the long run. Additionally, employees with positive in-person relationships maintained a solid rapport even when geographically apart. “These findings are particularly relevant as corporate and government workers increasingly return to their offices,” says Dr. Kim. “Managers need to remember that, according to the research, employees are willing to reset negative relationships they had previously. That said, returning to the office also offers a chance to strengthen relationships and make them more positive, which is crucial since team dynamics are a key determinant of team performance.” Per Dr. Kim, in order to best position themselves for success on the RTO front, organizations need to take a measured, sympathetic approach in facilitating their in-office policies, with an eye toward mitigating negativity. They need to remain cognizant of the logistical and interpersonal challenges that could emerge in the wake of a return, address their employees’ concerns in an attentive manner and foster a “supportive climate characterized by supportive behaviors.” It’s a situation that Dr. Kim says bears parallels—perhaps somewhat counterintuitively—to the mass shift to telework that occurred during the COVID-19 pandemic. As he found in his research on that phenomenon, employees responded best to changes in their working arrangements when organizational leaders and managers took the time to explain and actively discuss the reasoning behind them, especially in mission-driven terms. “Essentially, an important implication of the findings is that, to sustain employees’ positive attitudes and behaviors, it is crucial to frame these moves in a way that highlights how working in the office benefits both employees and the organization,” says Dr. Kim. In turn, RTO-focused organizations should recognize that their words and messages have a very real impact, particularly when scrutinized by workers who may not be happy about resuming their morning commutes. “Amazon, for instance, appears to be taking a thoughtful approach by emphasizing the value of collaboration with colleagues and the enrichment of organizational culture,” says Dr. Kim. “One potential drawback, however, lies in their message about the consequences of non-compliance, specifically that failure to adhere to the in-office policy could jeopardize employees’ chances of promotion. “A more positive framing, emphasizing how such policies support professional growth as well as employees’ well-being, could enhance favorable perceptions and work behaviors.” In the event organizations remain attuned to such situations—taking their employees’ perspectives into account, actively communicating their intentions and presenting clear value propositions—Dr. Kim thinks a year of the RTO mandate could potentially be a less daunting prospect. And maybe, with time, the transition back from Zoom to the boardroom could be a beneficial one.
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
ChristianaCare is enhancing care options in Milford, Delaware, with the addition of two highly skilled physicians to better serve the community's growing health needs. Chinwe Ike-Chinwo, M.D., is a board-certified primary care physician with a special interest in preventive medicine. Thinesh Sivapatham, M.D., is a fellowship-trained neurointerventional surgeon and member of ChristianaCare's Neurointerventional Surgery team, specializing in minimally invasive techniques to treat conditions affecting the blood vessels of the head, neck and spine, including strokes and aneurysms. The practice is located at Halpern Plaza, 701 N. DuPont Blvd. To schedule an appointment, patients can call 302-725-3420. Convenient and Accessible Primary Care At the new ChristianaCare Primary Care at Milford practice, Ike-Chinwo is passionate about building long-term relationships with her patients, helping them achieve optimal health through personalized care. “I am excited to serve the Milford community and help individuals achieve their best health,” she said. “Through prevention, chronic disease management and wellness care, we aim to support our patients in leading healthier, more fulfilling lives.” Ike-Chinwo introduces herself in this video. The primary care practice offers a comprehensive range of services to adult patients, including sick visits, immunizations, physical exams, preventive screenings and treatment for both acute and chronic conditions and women’s health. The practice is open Monday through Friday, from 8 a.m. to 4:30 p.m. In March 2025, the practice will welcome a second provider. In April 2025, the Milford site will also offer ChristianaCare’s My65+ program, which focuses on preventive care and chronic disease management for patients 65 and older. The providers at ChristianaCare’s new Milford location will play a crucial role in addressing the growing health care needs of Sussex County, which is experiencing rapid population growth, particularly among older adults. Sussex County has been designated as a Medically Underserved Area by the federal government, with projections showing that the population will increase from 237,378 in 2022 to over 361,000 by 2050, further intensifying the demand for primary care services. As the demand for primary and specialty care in Sussex County grows, especially among older adults, ChristianaCare is committed to meeting the health care needs of the community with personalized, patient-centered care. “Our mission is to make high-quality, compassionate care accessible to every resident of the communities we serve,” said Priya Dixit-Patel, M.D., physician executive for Core and Advanced Primary Care at ChristianaCare. “As primary care providers remain in short supply in many areas like Milford, we are focused on delivering care that can prevent disease, manage chronic conditions, and improve overall well-being, particularly for older adults.” Specialized Neurointerventional Consults Close to Home Sivapatham is excited to bring neurointerventional care to the Milford community and surrounding areas. “Neurointerventional Surgery is a highly specialized field that is often only found in larger metropolitan areas,” said Sivapatham, who speaks about treatment for stroke in this video. “I look forward to working closely with patients to ensure they receive the same high-quality care right here in Sussex County.” Kim Gannon, M.D., Ph.D., medical director of the Comprehensive Stroke Program and physician executive of the Neuroscience Service Line at ChristianaCare, highlighted the importance of improving access to physician consults for patients in Sussex County. “Providing neurointerventional care closer to home significantly improves access to specialized services for stroke patients who might otherwise need to travel to Newark,” said Gannon. “We want to ensure that patients receive the ongoing care and support essential for their recovery and long-term health at a location close to where they live.”
