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Aston University’s approach to a global challenge Across industries, companies face mounting pressure to cut carbon, improve resource efficiency, and contribute to the UN Sustainable Development Goals (SDGs). Yet many firms still struggle to move from vision statements to measurable action. At Aston Business School, Dr Breno Nunes, reader in sustainable operations management, is developing practical frameworks that help organisations embed sustainability at their core. His concept of 'sustainability fitness' captures how firms can build the capabilities they need to adapt, compete, and thrive in the transition to a net zero economy. “Many organisations want to be sustainable but struggle to operationalise what that means. My work is about bridging that gap — helping businesses translate strategies into practice.” — Dr Breno Nunes The sustainability fitness concept involves both meeting human needs and respecting environmental limits. While it can also be applied at the societal and individual level, Dr Nunes focuses on organisations, where capability building delivers the fastest, measurable change. Corporate sustainability fitness examines how a firm is able to survive and meet its own needs, while aligning itself to wider essential needs of society and operating within limits imposed by its surrounding natural environment. From research to real-world action Dr Nunes’ research examines how organisations design, implement, and monitor sustainability strategies across operations, supply chains, facilities, and product development. He is the main author of the book Sustainable Operations Management: Key practices and cases, which applies the issues of sustainability to all strategic decisions of operations. His work is already making a tangible difference, including international partnerships in Brazil, Canada, and the US, bringing cross-cultural insights into organisational transformation, as well as for various companies and organisations. In an Innovate UK Knowledge Transfer Partnership (KTP) with automotive supplier Metal Assemblies, Dr Nunes and Professor Alexeis Garcia Perez, professor of digital business and society at Aston University, are working to calculate and report the carbon cost of metal components used in car production, tackling one of the industry’s biggest sustainability challenges. The digitalisation of processes will allow Metal Assemblies to meet customers' requirements and position itself as a trusted and transparent supplier of low-carbon components. In another KTP with Brockhouse Group, a forging manufacturer in the West Midlands, Dr Nunes worked with Aston colleague Dr Muhammad Imran, reader in mechanical, biomedical and design engineering. Together they developed a sustainable manufacturing strategy centred on carbon reduction and process improvement. The work involved the development of an energy dashboard, allowing analysis of data on gas and electricity consumption. The project also included analysis of alternatives for energy recovery systems, and development of routines and procedures to improve the manufacturing process. As a result, Brockhouse group is more competitive to supply in non-captive markets. Dr Nunes has also been involved with a collaboration with Birmingham Botanical Gardens to integrate sustainability into policy and practice, expanding the use of business sustainability theories to nonprofit sectors. Sustainability can be embedded across different areas of organisations while seeking financial stability. As an environmental education charity, it is important to for Birmingham Botanical Gardens to 'practise what it preaches'. It was recently awarded almost £20m from various grants (including Heritage Lottery) in a capital project, thanks to having sustainability at the core of renovation plans. These projects highlight Aston University’s role in bridging academia, industry, and policy — ensuring research findings reach the boardroom as well as the factory floor. Key insights from the research Dr Nunes’ studies highlight several critical factors for turning sustainability from intention into measurable results: • Organisational capabilities are central to embedding sustainability. These include empowering sustainability “champions” (institutional entrepreneurs), supportive structures, superior technologies, and the ability to learn and balance economic, environmental, and social performance. • The tensions in implementing sustainability vary not just by function (supply chains, governance, innovation) but also by an organisation’s maturity level. • Start with the low-hanging fruit: tools like self-assessments, capability diagnostics, and learning games allow firms to act at lower cost before committing to full environmental impact assessments or formal reporting. • Collaboration between academia, industry, and policymakers accelerates real-world impact. Why this matters The stakes are high. Businesses worldwide are expected to reduce carbon emissions, demonstrate social responsibility, and remain competitive in a rapidly changing global economy. Aston University’s research shows that strengthening sustainability capabilities not only improves environmental outcomes but also boosts resilience and cost savings. In pilot projects, teams working with Dr Nunes have achieved up to 30% reductions in both cost and carbon emissions — proof that sustainability can drive operational performance as well as compliance. Looking ahead: expanding the Sustainable Growth Hub The next phase of Dr Nunes’ work centres on Aston’s Sustainable Growth Hub, which is being developed as a reference point for SMEs seeking sustainability solutions. In 2025, the Hub will: • Launch its first industry club cohort and expand its team. • Roll out new self-assessment tools to size sustainability needs and decarbonisation goals. • Introduce new learning formats and follow-up courses to Aston’s Green Advantage programme, alongside sessions to play a new corporate sustainability game. • Host events to bring together businesses, policymakers, and the wider sustainability management community. • Attract new research grants and publish results to share knowledge across both academic and practitioner circles. These initiatives aim to equip organisations not only to meet today’s challenges, but to anticipate tomorrow’s. Get involved Follow Dr Nunes via his profile below, and soon through the Sustainability Fitness website. Businesses can also attend Aston Business School events to explore workshops, tools, and courses first-hand. About Dr Breno Nunes Dr Breno Nunes is reader in sustainable operations management at Aston Business School and president of the International Association for Management of Technology (IAMOT). He serves as associate editor of the IEEE Engineering Management Review and has published widely on sustainability strategy execution and innovation. Aston University’s work in sustainable operations — shaped by researchers like Dr Nunes — is helping organisations worldwide move from ambition to action, building the 'sustainability fitness' needed for a net zero future.
Lighting the Fires of Memory: The History, Meaning and Modern Significance of Memorial Observances
In the United States, United Kingdom and Canada, special annual days of remembrance bring into focus a simple yet profound truth: societies mark the sacrifice of those who died in military service so that past and future generations will not forget. These observances are layered with history, symbolism and evolving practice. Origins & Historical Development United States – Memorial Day Memorial Day began in the aftermath of the American Civil War. One of the earliest national observances took place on May 30, 1868, when John A. Logan, Commander-in-Chief of the Grand Army of the Republic, proclaimed “Decoration Day” to honour the Union dead by decorating their graves. The date was chosen because spring flowers would be in bloom across much of the country. Over time, as the United States engaged in further conflicts, Decoration Day evolved into a broader day of honouring all U.S. military personnel who died in service. In 1971, Congress made Memorial Day a federal holiday observed on the last Monday of May. United Kingdom and the Commonwealth – Remembrance Day Remembrance Day, also known as Armistice Day, originated from the end of the First World War and is observed on November 11. It commemorates the armistice signed at the 11th hour of the 11th day of the 11th month in 1918. In Britain and the Commonwealth, the red poppy became the enduring symbol of remembrance, inspired by the poppies of Flanders fields and popularized in the years following the war. Canada – Remembrance Day Canada also observes Remembrance Day on November 11. The observance dates back to post-WWI traditions and was officially adopted by Parliament in 1931. It honours the more than 118,000 Canadians who have made the ultimate sacrifice among the 2.3 million who have served in uniform. Meaning and Symbolism At their core, Memorial Day and Remembrance Day are about memory, sacrifice, duty, and gratitude. They serve as communal rituals: visiting cemeteries and memorials, placing flowers or wreaths, holding moments of silence, and wearing symbols like the poppy. In the United States, the act of decorating graves carried not only personal remembrance but also civic pride—honouring those who laid down their lives for their country. In the United Kingdom and Canada, the poppy remains a powerful visual reminder of both the human cost of war and the enduring hope for peace. Modern Significance These observances offer societies a chance to pause, reflect, and connect past sacrifice with present freedoms and responsibilities. In the United States, Memorial Day has also come to mark the unofficial start of summer. Still, national initiatives such as the National Moment of Remembrance invite Americans to refocus on solemn reflection. In Canada and the United Kingdom, Remembrance Day remains deeply ceremonial, marked by two-minute silences, wreath-layings, and public education about the sacrifices of war. For all three nations, these days foster inter-generational understanding—educating younger people about service, sacrifice, and the peace that followed—while reminding governments and citizens alike of ongoing obligations to veterans. Why It Matters to U.S., British, and Canadian Peoples For Americans, Memorial Day symbolizes how unity, freedom, and democracy have been defended and preserved at great cost. For Britons and Canadians, Remembrance Day binds their shared histories of service in global conflicts, linking national identity with sacrifice and resilience. In Canada especially, the day has evolved into a moment not just of military remembrance, but of reflection on what it means to serve a country and commit to peace. Across all three nations, these observances allow public acknowledgment of loss and courage, while anchoring civic values of duty, freedom, and gratitude. Key Themes and Story Angles Continuity and Change: From Decoration Day to Memorial Day, from Armistice Day to Remembrance Day—how the meaning endures through time. Symbols and Rituals: Poppies, wreaths, silences, and ceremonies as expressions of collective memory. Commercialization vs. Solemnity: Balancing commemoration with modern traditions such as travel and leisure. Generational Awareness: Passing remembrance to younger audiences through schools, media, and veterans’ stories. Veterans and Contemporary Service: Linking remembrance with ongoing commitments to those who serve. Community Connection: How towns and cities mark remembrance through local parades, services, and shared stories. Memorial Day and Remembrance Day are more than calendar observances—they are living rituals of collective gratitude. They invite reflection on what has been given and what must be preserved. For the United States, the United Kingdom, and Canada, these days stand as enduring reminders of courage, unity, and the price of peace. Connect with our experts about the history, meaning and modern significance of memorial observances: Check out our experts here : www.expertfile.com
Beyond the Repo Headlines: What the Liquidity Signals are Really Saying
In late October and early November 2025, usage of the Federal Reserve's Standing Repo Facility (SRF) reached elevated levels exceeding $50 billion at month-end -- the highest utilization since March 2020. Simultaneously, the Overnight Reverse Repo (ON RRP) facility has collapsed to approximately $24 billion, down from peak levels exceeding $2 trillion in 2023. This combination signals structural stress in U.S. money markets extending beyond seasonal factors. These two facilities serve opposite functions in the Fed's monetary policy framework. The SRF is an emergency lending facility where banks can borrow reserves overnight by pledging Treasury or agency securities as collateral, paying the SRF rate (currently 4.50%). It acts as a ceiling on overnight rates. The ON RRP works in reverse: money market funds and other institutions lend cash to the Fed overnight, earning the ON RRP rate (currently 4.30%). It provides a floor on rates. The depletion of ON RRP removes a critical shock absorber. When the facility held trillions in 2021-2023, it functioned as a deployable liquidity reservoir. During stress events, as repo rates in private markets rose above the ON RRP rate, money market funds would withdraw their cash from the Fed and deploy it into higher-yielding private repo markets. This automatic flow of liquidity would stabilize rates without Fed intervention. With ON RRP now depleted to $24 billion, this reservoir is empty. When liquidity shocks occur, there is no pool of cash to flow into stressed markets. Instead, all pressure falls directly on bank reserves, currently at approximately $2.8 trillion. The elevated SRF usage indicates that despite aggregate reserves appearing adequate, banks are unable to efficiently reallocate liquidity across the system. The core problem is that banks with surplus reserves face prohibitive costs to intermediating due to post-2008 regulations, particularly the Supplementary Leverage Ratio (SLR) and G-SIB capital surcharges. The SLR requires capital against all balance sheet assets, including reserves. For a large bank to lend $1 billion overnight, it expands its balance sheet by that amount, increasing SLR denominators and potentially triggering higher surcharge brackets. The capital costs of holding additional assets on the balance sheet often exceed repo market spreads, rendering arbitrage unviable. Banks with surplus reserves therefore park them at the Fed rather than lending to institutions that need them. Current conditions reveal that while dealer behavior around period-ends follows established patterns, the magnitude of rate effects has grown substantially. Recent Federal Reserve research documents that SOFR rose as much as 25 basis points above the ON RRP rate at recent quarter-ends, far exceeding the 5-10 basis point moves typical in 2017. The Fed's analysis attributes this to "growing tightness in the repo market and a diminishing elasticity of supply and demand" as reserves decline. Critically, the research shows that dealer quarter-end behavior -- reducing triparty borrowing and shifting to central clearing -- has remained "remarkably stable," yet rate impacts have intensified. This indicates the problem is not changing behavior but deteriorating underlying conditions. The pattern mirrors 2018-2019, when similar dynamics preceded the September 2019 crisis. Academic work from that episode documented that foreign banks reached minimum reserve levels while domestic G-SIBs maintained surpluses but declined to intermediate due to balance sheet constraints.¹ November 2025 differs critically from September 2019: the ON RRP buffer is now depleted. In 2021-2023, that buffer absorbed surpluses and prevented repo rate collapse. Its near-zero level means the system lacks this stabilizer precisely when QT has reduced reserves and Treasury issuance remains elevated. Additional liquidity pressure falls directly on reserves, leaving repo markets vulnerable to quarter-end dynamics, tax payments, or Treasury settlement volatility. Chairman Powell announced that QT will slow dramatically, with Treasury runoff ending while mortgage-backed securities continue maturing. However, this addresses only aggregate levels, not the structural issues driving period-end stress. The question remains whether current reserve levels are sufficient given elevated post-pandemic deposits, outstanding credit line commitments, tighter balance sheet constraints, and the expired Bank Term Funding Program. What do these signals indicate? Three interpretations emerge. The most likely is that quarterend and month-end rate effects will continue intensifying as reserves decline further, with the spread between SOFR and ON RRP at period-ends serving as a barometer of underlying tightness. Federal Reserve research suggests that as Treasury issuance continues and reserves decline, "the repo market is likely to tighten further and the effects of quarter- or month-ends on repo rates may grow, providing another potential indicator that reserves are becoming less abundant." This would manifest as larger SRF usage at period-ends and persistent elevated Fed facility usage, though system functioning would remain generally stable between these events. A more adverse interpretation sees a triggering event during an already-stressed period-end causing broader repo market seizure, forcing the Fed to resume asset purchases and confirming that meaningful balance sheet normalization is impossible under current structures. An optimistic interpretation requires regulatory reform -- SLR exemptions for reserves or changes to quarter-end reporting requirements -- to reduce incentives for balance sheet window dressing, though this appears politically unlikely. For banks, the implication is that reserve buffers need to be higher than pre-2019 benchmarks, and the ratio of demandable claims to liquid assets requires closer monitoring. For investors, continued volatility in short-term interest rates should be expected, particularly around periodends. The Fed's weekly H.4.1 release tracking SRF and ON RRP levels provides leading indicators. Money market fund flows have outsized impact as their allocation decisions directly affect system liquidity buffers. The transformation underway represents a fundamental shift from bank-intermediated to partially Fed-intermediated money markets. Post-2008 regulations strengthened individual bank resilience but broke private intermediation chains. The central bank now serves as both lender and borrower of last resort, with private markets unable to efficiently connect flows. September 2019, March 2020, March 2023, and November 2025 episodes demonstrate a pattern: reserves appear adequate until buffers thin, after which modest events trigger outsized disruptions. 1. Bostrom, E., Bowman, D., Rose, A., and Xia, A. (2025), "What Happens on Quarter-Ends in the Repo Market," FEDS Notes, Board of Governors of the Federal Reserve System; Copeland, A., Duffie, D., and Yang, Y. (2021), "Reserves Were Not So Ample After All," Federal Reserve Bank of New York. 2. Du, W. (2022), "Bank Balance Sheet Constraints at the Center of Liquidity Problems," Jackson Hole Economic Symposium.
UF builds community resilience in Jacksonville’s Historic Eastside neighborhood
As the University of Florida continues to expand its presence in Jacksonville, Gators are undertaking sustainability projects to improve the city’s neighborhoods. Faculty and students in the College of Design, Construction and Planning’s Florida Institute for Built Environment Resilience (FIBER) have spent the past four years focusing on the role of housing design in community health resilience in Jacksonville’s Historic Eastside neighborhood, interviewing resident stakeholders and collaborating with citywide organizations that are helping to restore older homes. Findings from the UF research will be instrumental in informing future community planning and housing design decisions, potentially leading to more health-centered, sustainable neighborhoods. “Our research in Jacksonville focuses on how we can inform the development of community infrastructure that holistically supports human well-being across mental, emotional, and physical dimensions,” said Lisa Sundahl Platt, Ph.D., a FIBER research faculty member and an assistant professor of interior design at UF, who added that this holistic, health-centered approach is known as salutogenic design. “We are also actively collaborating with community organizations in Jacksonville and researchers from UF to explore improved strategies for designing and constructing community infrastructure that effectively responds to potential hazards.” A community-wide collaboration UF has conducted a pilot study over the past year on the Jacksonville-based Restore, Repair, and Resilience (R3) initiative that is underway in Historic Eastside – surveying residents about how the design quality of their housing and surrounding environments affects their overall well-being. This interdisciplinary project has brought together FIBER and members of the R3 Group – a coalition of organizations that includes the JEA utility company, LIFT JAX (committed to eradicating generational poverty), the Historic Eastside Community Development Corporation, the United Way of Northeast Florida, and Local Initiatives Support Corporation Jacksonville. FIBER-led research has received ongoing support from the Florida Resilient Cities grant, which is funded by the Jessie Ball duPont Fund. The scope of the R3 project is being scaled up through a U.S. Department of Energy grant awarded through JEA, which will allow for an expansion of home revitalization efforts in Eastside Jacksonville. FIBER’s ongoing housing and health community action research on these efforts will be supported through a grant from the LS3P Foundation. “Many residences we evaluated need help with improvements to housing energy efficiency, building ventilation, building shell structural integrity, and materiality,” Platt said. “For example, underperforming flooring material can create potential trip hazards for older adults. Deterioration in interior materials, caused by degrading components of the building envelope, can also lead to mold and mildew growth in interior environments, which can contribute to poor interior environmental quality issues and acute and chronic health conditions.” Respiratory health issues are often caused by material and ventilation design failures, which can affect people of all ages, especially vulnerable populations such as children and older adults. Oftentimes, interior designers see that the environmental risks that compromise human well-being are coming from both the outside and inside of the buildings. “As we continue to address priorities, our focus extends beyond energy and building efficiency to encompass comprehensive factors of built environment resilience that impact overall community health and well-being,” Platt said. “There's still significant progress to be made in the design of sustainable housing that supports community salutogenic health." Keeping residents safe and healthy UF research has continued to prove that interior resilience for living environments plays a vital role in people’s mental and physical health. “People spend roughly 90% of their time indoors, so it is important to understand the types of design conditions and materials that we’re putting into spaces and how they can affect the occupants of those living in said spaces,” said UF student Milena Rodriguez Mendez, who is one of Platt’s graduate research assistants. Students like Mendez are using qualitative and quantitative research methods to engage in collaborative community-led research that includes academics, for-profit organizations, nonprofits, citizen scientists, and neighborhood stakeholders. “I aim to center my work on social justice and equity, and I believe this initiative represents a meaningful step in that direction,” Mendez said. “Our focus is on the residents of this vibrant yet at-risk community.” FIBER researcher Jason von Meding added, “We want to know how future housing policies can address some future health concerns. We have a lot of youth in the community that are participating, which I think is important.” The FIBER housing and health team is actively pursuing additional funding to expand this research, in collaboration with UF Health Jacksonville’s Department of Community Engagement. “Our goal is to develop an open-source online platform that disseminates lessons learned and proof-of-concept findings on the impact of regenerative housing design on human and ecological health,” Platt said. “This resource will be valuable for other cities and neighborhoods facing similar challenges in housing quality, affordability, and accessibility.” Looking to know more about this project or connect with Lisa Platt? Simply click on her icon now to arrange an interview today.
Multi-university AI research may revolutionize wildfire evacuation
As wildfires grow wilder, the University of Florida and two other universities are developing large language models to make evacuations safer and more efficient. Armed with a nearly $1.2 million National Science Foundation grant, UF, Johns Hopkins University and the University of Utah are creating these AI-based models to simulate human behavior during evacuations – information that will help emergency managers shape more effective evacuation plans. “Strengthening wildfire resilience requires accurate modeling and a deep understanding of collective human behavior during evacuations,” said UF project lead Xilei Zhao, Ph.D., an associate professor with the Engineering School of Sustainable Infrastructure and Environment. “There is a critical need for simulation models that can realistically capture how civilians, incident commanders and public safety officials make protective decisions during wildfires.” Xilei Zhao focuses on developing and applying data and computational science methods to tackle problems in transportation and resilience. View her profile here Existing simulation models face limitations, particularly with reliable predictions under various wildfire scenarios. New AI models can simulate how diverse groups of people behave and interact during the hurried scramble to seek safety. Zhao’s team is developing a convergent AI framework for wildfire evacuation simulations powered by psychological theory-informed large language models. The project will produce simulation methods to promote teaching, training and learning, and support wildfire resilience by allowing public safety officials to use open-access tools. “This research seeks to be a transformative step toward improving the behavioral realism, prediction accuracy and decision-support capability of wildfire evacuation simulation models,” Zhao said. Zhao partnered with John Hopkins professor Susu Xu, Ph.D., and University of Utah professors Thomas Cova, Ph.D., and Frank Drews, Ph.D. The preliminary results of the study were recently presented at the 63rd Annual Meeting of the Association for Computational Linguistics. “In that paper, we started to train the model on the survey data we collected to see how we can accurately predict people's evacuation decisions with LLMs,” Zhao said. Research objectives include extending the Protective Action Decision Model for civilians and public safety officials, developing psychological theory-informed large language model agents for protective modeling and generating a realistic synthetic population as input for the simulation platform. The team also plans to develop learning-based simulations and predict human behavior under scenarios such as fire spread, warning and infrastructure damage. This research comes at a critical time, as the number of wildfires has significantly increased globally. About 43% of the 200 most damaging fires occurred in the last decade leading up to 2023, according to a recent study in Science. The intensity, size and volume of wildfires are threatening more urban areas. “If you go into the urban area, many people do not have cars, or they need additional mobility support,” Zhao said. “For example, the LA fires impacted nursing homes with a lot of elderly people, many of whom are immobile or lack the ability to drive. That's a big problem. This would be very relevant to them.” The large language models will provide important context for evacuation planning as well as real-time decision making. “We envision this tool being used during planning,” Zhao said, “so emergency managers can test different kinds of scenarios to determine how to draw the evacuation zones, where to issue the orders first and how to design the communications messaging.” This is important research and critical as wildfires become more common across North America. If you're a reporter looking to connect and learn more - then let us help. Xilei Zhao is available to speak with media - simply click on her icon now to arrange an interview today.
Batty pathogens: Why do bats spread so many diseases?
Let’s face it — bats get a bad rap. Their links to disease outbreaks and their spooky association with vampires influence their notoriety. In reality, bats are truly remarkable. Bats support our agricultural industries as vital members of food webs. And, contrary to their portrayal in popular Halloween blockbusters, they are gentle and tidy creatures that groom themselves like cats. So why is it that when we hear of disease outbreaks, it always seems to be bats? According to University of Florida Emerging Pathogens Institute member Jim Wellehan, D.V.M., what sets bats apart isn’t black magic at all. But rather, it’s their long history of co-existing with viruses, the unique tradeoffs of flight and, perhaps most of all, a history of adapting to new pathogens. “(Infectious disease) has been the biggest factor in all of evolution,” said Wellehan, who is also a professor at the UF College of Veterinary Medicine. “People are always looking for an excuse (as to) why bats are magic, and the truth is bats have just been exposed to a lot of stuff and selected for those genes accordingly.” While humans are the most populous mammals on Earth, bats are a massive group of animals. Behind rodents, they represent the second-largest group of mammalian biodiversity, accounting for a whopping 20% of all mammal species. With over 1,400 species, it’s no surprise that pathogen diversity in bats is just as extensive and complex. Jim Wellehan's research focuses on comparative infectious disease, pathogen evolution, molecular diagnostics and pathogen discovery. View his profile here Bats, as we know them, have been on Earth for over 50 million years. This extensive period has given pathogens plenty of time to evolve alongside the winged mammals. Bats carry viruses like Ebola, Hendra virus, Nipah virus and SARS-CoV-2, which causes COVID-19. One factor that is important in this viral diversity is flight. Flight provides bats with many evolutionary advantages, such as predator evasion, access to new food sources and the ability to exploit diverse habitats. Flight also dramatically increases the chance of rapid pathogen transmission, as they can travel long distances and past many geographic barriers. Many species are highly social, which increases transmission rates as they live in close proximity and groom one another. “When I first learned about Darwin and evolution, ‘survival of the fittest,’ I assumed, meant ‘smartest and fastest and strongest,’ but if you look at our genomes, turns out that's wrong,” said Wellehan. “The genes that are selected for are mostly immune-related. The most important thing is to have enough genetic diversity in your population so that someone has immunity genes that are effective against the next pathogen that doesn't even exist yet. With their increased mixing and contact rates, bats have done this more often than most animals.” Generally, pathogens are most likely to cause disease when they first infect a new host species, as the susceptible animals have not yet developed the necessary defenses. Pathogens, along with their hosts, have no choice but to evolve to survive. With such a wide variety of species, it is not surprising that bats also carry a large proportion of mammal-associated viruses. This is not to say that bats are immune to all pathogens. As the most rapidly evolving factor in life, infectious disease is an incredibly dynamic part of medicine. Bats can get sick from lyssaviruses, including rabies. Additionally, white nose disease, a fungal infection that targets hibernating bats, has been a growing concern in the United States for the past decade. Though bat pathogens are a significant concern, habitat disturbance plays a larger role in bat population pathogen emergence, ultimately affecting humans as the dominoes fall. “Pathogen transmission to humans and conservation efforts go hand in hand,” Wellehan said. “When populations get under stress, that's when ecological balances get shifted, and zoonotic jumps occur. ... It turns out that if we think of ourselves as something separate from nature, it doesn't work so well.” So, while bats may embody the spirit of Halloween, their “magic” lies in evolution and resilience, shaped by millions of years of flying in the face of viruses, not spooky legends. Looking to know more? We can help. Jim Wellehan is available to speak with reporters about bats - simply click on his icon now to arrange an interview today.
Hurricane Melissa: Preparation, decision making and recovery from potentially 'catastrophic' storm
Hurricane Melissa, now a Category 5 storm, is projected to cause “catastrophic” flooding and inflict severe damage in Jamaica. The University of Delaware’s Disaster Research Center has several experts who can talk about preparations, evacuations, health impacts, decision making and recovery. The following experts in the DRC – which has a few contacts in Jamaica – are available for comment. Jennifer Horney: Health impacts of disasters as well as how cuts to aid and emergency assistance will factor into recovery after the storm. Sarah DeYoung: Pets in emergencies, infant feeding in disasters and decision-making in evacuation. Tricia Wachtendorf: Evacuation decision-making, disaster response and coordination, disaster relief (donations) and logistics, volunteer and emergent efforts, social vulnerability. Jennifer Trivedi: Can talk about preparedness steps and recovery as well as challenges for people with disabilities during disaster, cultural issues and long-term recovery. Shanjia Dong: Research looks at infrastructure systems, critical infrastructure protection, effective disaster preparedness and response, and equitable resilience planning and climate change adaptation. A.R. Siders: Expert on sea level rise and managed retreat – the concept of planned community movement away from coastlines and flood-prone areas. To contact these experts directly and arrange an interview, visit their profiles and click on the "contact" button. Interested reporters can also email MediaRelations@udel.edu.
In a September article featured in Forbes, Marshall Shepherd reports on a new tool launched by Project Drawdown that aims to deliver personalized climate-action strategies to different users—including policymakers, businesses, and individuals. In the piece, he explains that the tool helps match context-specific emissions reduction or resilience options to the particular needs, geography, and capacities of the user, rather than prescribing one-size-fits-all solutions. Shepherd also emphasizes that tools like this can help bridge the gap between climate science and real-world decision-making. He argues that equipping stakeholders with tailored pathways could accelerate uptake of effective interventions by making them more relevant, feasible, and compelling. Ultimately, Shepherd presents the new Drawdown resource as a promising model for democratizing access to climate solutions, enabling individuals and organizations to engage in strategies best suited to their specific circumstances. Dr. J. Marshall Shepherd is a leading international weather-climate expert and is the Georgia Athletic Association Distinguished Professor of Geography and Atmospheric Sciences at the University of Georgia. Dr. Shepherd was the 2013 President of American Meteorological Society (AMS), the nation’s largest and oldest professional/science society in the atmospheric and related sciences. View his profile here Dr. J. Marshall Shepherd is a leading international weather-climate expert and is the Georgia Athletic Association Distinguished Professor of Geography and Atmospheric Sciences at the University of Georgia. He's available to speak with the media about this topic - simply click on his icon now to arrange an interview today.
How LSU is Helping Keep Louisiana at the Center of the Nation’s Seafood Map
1. Strengthening the Seafood Workforce Through outreach programs like Louisiana Fisheries Forward, a partnership between Louisiana Sea Grant and the Louisiana Department of Wildlife and Fisheries, LSU helps fishers and processors modernize their operations. These voluntary programs teach best practices in handling, traceability, and sustainability — directly improving product quality and market reputation. LSU’s extension agents also provide hands-on disaster recovery assistance after hurricanes and market disruptions, helping ensure Louisiana’s seafood workforce remains resilient and ready for the next season. 2. Building Seafood Resilience The total economic value for oysters in 2018 was more than $180 million. Resilience defines LSU’s seafood science. Researchers at the LSU AgCenter and Louisiana Sea Grant are leading selective breeding programs and developing genetic tools to combat disease, temperature changes, and salinity stress. With a powerful combination of hatchery capacity, genetics expertise, and industry collaboration, LSU is helping Louisiana’s seafood industry adapt faster and smarter — protecting both the food supply and the economic backbone of coastal communities. 3. Powering Economic Growth Every part of LSU’s seafood research and outreach ties directly to Louisiana’s economy. AgCenter economists analyze market data and advise state and federal partners on strategies to grow the seafood sector. Meanwhile, Sea Grant specialists help entrepreneurs develop value-added seafood products, from branded lines to ready-to-eat options, that increase profit margins and create new jobs in coastal towns. By helping Louisiana seafood businesses stay competitive, LSU keeps more of the industry’s economic benefits right here at home. 4. Supporting Communities Louisiana’s seafood industry faces constant challenges. LSU’s coastal extension agents and Sea Grant programs provide on-the-ground support to help communities recover and rebuild after disasters. Whether assisting with dock repairs, connecting fishers to relief programs, or helping restart operations, LSU’s commitment ensures that Louisiana’s coastal workforce can weather any storm. 5. Preparing the Next Generation LSU’s work extends from the lab to the dock — and into the classroom. New research and education programs are training future scientists, producers, and entrepreneurs to continue Louisiana’s seafood legacy. For new LSU students interested in the coast, Bayou Adventure, a trip created by the College of the Coast & Environment (CC&E), was designed specifically to educate incoming freshmen about some of the challenges and marvels of the Louisiana coastline. The trip stops at sites that showcase "not just the significance of these areas to the state and nation, but the important work that is being done to sustain and preserve them," said Clint Willson, dean of CC&E. Through workforce development, hands-on learning, and applied research, LSU is shaping the next wave of innovators who will protect Louisiana’s coast and ensure its seafood remains world-renowned. Looking Ahead As the seafood industry faces new challenges and opportunities, LSU’s mission remains clear: to protect Louisiana’s coast, empower its seafood workforce, and ensure the state remains synonymous with the best seafood in America.
Why Brokers Are Canada’s New Mortgage Rockstars
There’s a quiet revolution happening in Canadian mortgage lending—well, as “quiet” as anything can be when two-thirds of Canadians are shouting, “We’d rather deal with a broker than a bank!” According to the most recent Mortgage Professionals Canada (MPC) Consumer Survey, 67% of Canadians now say they’d rather work with a mortgage broker than a bank. Among those who already have? A whopping 81% would do it again. That’s not just a statistic. That’s a standing ovation. The Great Mortgage Broker Boom According to recent MPC data, broker market share reached 33% in 2024—a four-point increase in just two years. Nearly half of all borrowers now choose brokers. The message is clear: Canadians are tired of sales reps; they want advocates who speak human, not policy manual. And who can blame them? With 1.2 million mortgages renewing in 2025 and average payments increasing by $513 a month, people aren’t just rate-shopping anymore—they’re seeking guidance, reassurance, and maybe a bit of hope. Let’s face it: they want their cake and still be able to heat their home too. Why This Matters—Especially for Seniors I work with Canadians aged 55+ every day, and about three-quarters of them are homeowners. They’ve done everything right: worked hard, paid off debt, raised families, and built wealth through their homes. But now, many feel… trapped by them. Here’s the reality: Mortgage renewals are costing hundreds more monthly (some facing 15–20% jumps) Inflation is eating into fixed incomes; and downsizing, aging in place, or tapping into home equity all feel like high-stakes decisions. Almost 80% of Canadians over 55 say their savings and pensions aren’t enough. (Source: Home Equity Bank Ipsos Survey) According to this same survey, half of respondents believe home equity is crucial for retirement—yet 76% feel pressured to downsize even if they’d rather not trade their garden for a balcony (or their favourite hairdresser for whoever’s closest to the condo). What they don’t need: A one-size-fits-all sales pitch from someone who thinks “retirement” means early-bird specials and Sudoku marathons. What they do need: A mortgage broker who listens, educates, compares options, and helps them sleep at night—not just sign on the dotted line. The Missing Link: Transactional vs. Conversion Sales Traditional mortgages are what we call commodities, sold using a transactional method. In this approach, the need is obvious—the customer wants a mortgage—and the focus is on competing for the best price and terms. It’s fast, efficient, and, let’s be honest, a little impersonal. It’s the classic hammer-and-nail approach: every client looks like a nail, and the broker just keeps swinging rates and terms until something sticks. That may work for a first-time buyer chasing the cheapest five-year fix—but for seniors? It’s about as effective as putting a Band-Aid on a broken arm. The 55+ demographic doesn’t want a hammer. They want a conversation. They want to understand how to stretch their pension income, cover rising expenses, and prepare for life’s curveballs—like healthcare costs or home repairs—without feeling like they’re going backwards financially. That’s why this is not a transactional sale; it’s a conversion sale. A transactional sale happens when someone already wants what you’re selling—you’re just facilitating the purchase. A conversion sale, however, is when the client doesn’t yet believe they need or want what you’re offering. You’re not closing a deal; you’re changing a mindset. And that’s the secret sauce for brokers working with older Canadians. You’re not selling debt—you’re offering financial flexibility. You’re helping people reframe home equity from a “last resort” into a retirement resource. How Brokers Can Shift the Conversation Lead with empathy, not economics. Ask about life goals, not loan size. Do they want to age in place, help kids, or reduce financial stress? Start with why, then move to how. Rebrand the conversation. Words matter. “Mortgage” can feel like failure. Try “home-equity strategy” or “retirement cash-flow plan.” You’re not adding debt—you’re unlocking options. Talk cash flow, not contracts. Focus on income versus expenses, inflation resilience, and emergencies. Discuss how home equity can supplement pensions, create predictable, guaranteed income (like our parents had), and—most importantly—boost that all-important sleep score. Include the family. Adult children often play a major role. Involve them early—these are emotional, multi-generational conversations, not just financial ones. Educate, don’t sell. Show examples, calculators, and real-life case studies. Transparency earns trust—and trust is the true currency in a conversion sale. When brokers shift from “rate pitching” to “retirement planning,” they go from hammer-swingers to problem-solvers—and that’s where the real magic (and business growth) happens. What Mortgage Brokers Bring to the Table The broker market is projected to grow at a 5% CAGR through 2030, driven by consumers demanding personalization over cookie-cutter lending. And the reverse-mortgage space just got a serious glow-up. Home Trust Bank has just entered the market, announcing its new Equity Access Reverse Mortgage product at this week's Mortgage Professionals Conference in Ottawa. That brings the total to four active lenders in Canada’s reverse-mortgage space: HomeEquity Bank, Equitable Bank, Home Trust Bank, and Bloom Finance Company. More lenders mean more credibility—or, as I like to call it, street cred for seniors. The kind that lets retirees walk down the street (or the fairway) with a little swagger, knowing their financial toolkit has options. With more players in the mix comes more choice, sharper pricing, and—most importantly—a sense that reverse mortgage products have finally crossed over from “fringe” to financially fashionable. Reverse mortgages are no longer the “we-don’t-talk-about-that” cousin at the financial family dinner—they’re sitting proudly at the adult table. The product is being normalized—treated as the legitimate, strategic retirement tool it has always been. So, brokers—be honest. Isn’t it time you caught up to the trend? Reverse mortgages have gone from taboo to totally credible. And if your clients still say, “We’re just not reverse-mortgage people,” that’s your cue to help them unpack that posture of financial marginalization. Because what they often mean is, “We don’t want to feel old, desperate, or dependent.” That’s not who they are—and that’s not what this product is. It’s not about retreating; it’s about reframing. Helping them see home equity as strength, not surrender. Because empowering clients to live comfortably, confidently, and cash-flow secure isn’t just good business—it’s the kind of advocacy that gives everyone involved a little swagger. Older Canadians Need Advocates—Not Just Advisors As a spokesperson for this group, I urge brokers to master Equity Literacy—the ability to explain complex tools like reverse mortgages and HELOCs in plain language. It’s about helping retirees access equity wisely, preserve benefits, and create peace of mind. Canadian reverse-mortgage debt reached $8.2 billion in mid-2024—an 18.3% year-over-year increase. (Source: Office of the Superintendent of Financial Institutions - OSFI). Canadians are catching on: their house can help them, not haunt them (could not resist the Halloween joke). Help seniors understand the range of uses for Reverse Mortgages like paying off high-interest debt, helping family through early inheritance or gifting, and supplementing retirement income to maintain independence. And here’s where brokers can really shine—by guiding family conversations about inheritance, housing, and aging in place. According to CMHC’s 2025 Mortgage Consumer Survey, 41% of first-time buyers used a gift or inheritance to cover mortgage costs. That's up from 30% the year before. Those gifts averaged nearly $80,000. The Bank of Mom & Dad just got promoted to Wealth Management HQ. To the Canadian mortgage broker industry You’re not just in the mortgage business—you’re in the dignity business. You help Canadians stay in their homes, reduce stress, and live comfortably in retirement. With home sales slowing and fewer purchase deals, this is your moment. Building expertise in the 55+ market isn’t just good karma—it’s good business. How to start: educate your database about equity-release benefits and tax-free cash flow; host workshops on “Aging in Place with Equity”; partner with financial planners, lawyers, healthcare providers—and yes, Realtors—to build a holistic approach to retirement housing. Involve adult children in every conversation; they’re tomorrow’s clients. The data says Canadians need you more than ever. And I’ll say it louder: so do I. Let’s make retirement planning better, smarter, and more human—one conversation at a time. So here’s the truth: the 55+ crowd doesn’t need rescuing—they need respect. They’re not clinging to the past; they’re funding their future. They don’t want pity; they want power—and they’ve earned it. This generation built Canada’s equity base—literally—and now it’s time they get to use it wisely, proudly, and on their own terms. Whether that means a new roof, a family gift, or finally taking that long-postponed trip to Italy, it’s not about borrowing money—it’s about buying freedom. So, brokers, financial pros, and anyone guiding retirees—remember: your role isn’t to sell products. It’s to spark possibilities. To help older Canadians move from fear to freedom, from “we’re not those people” to “why didn’t we do this sooner?” Because the real revolution in retirement isn’t about rates or renewals. It’s about reclaiming confidence, creating financially viable futures, and knowing you’ve made a real difference—something your clients will remember long after the ink dries. Trust me, that’s far more gratifying than handing out a 4.99% five-year fixed. I want to know what you think. Send me your feedback. Want more insights like this? Subscribe to my free newsletter here, where I share practical strategies, real-world stories, and straight talk about navigating retirement with confidence—not confusion. Plus, all subscribers get exclusive early access to advance chapters from my upcoming book. For Canadians 55+: Get actionable advice on making your home equity work for you, understanding your options, and living retirement on your terms. For Mortgage Brokers and Financial Professionals: Learn how to become the trusted advisor your 55+ clients desperately need (and will refer to everyone they know). This isn't just another revenue stream—it's your opportunity to build lasting relationships in Canada's fastest-growing demographic. Sue Don’t Retire…Re-Wire!
