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The Royal Commission into the banking and finance sectors has uncovered damning evidence of inappropriate conduct among Australia’s top banks. The Commonwealth Bank was found to have charged fees to a client despite knowing that they had died in 2007. Anthony Ryan confessed that AMP had essentially stolen client’s money by charging fees for no service (a practice the Commonwealth Bank was also found to have engaged in).
And then there were the instances of dishonesty, the falsification of documents, and the handing out of irresponsible loans uncovered by the Commission.
As one may well imagine, the fallout from the Commission has had a largely negative effect on the banks. AMP has rejected criminal charges. But their CEO, Craig Mellor resigned in the middle of April, and they have replaced their Chairman, Catherine Brenner, with David Murray. Similarly, the Commonwealth Bank agreed to pay twenty-five million dollars in legal settlements after ASIC brought legal action against them over bank bill swap rates.
Analyst Morgan Stanley expressed concern over the outlook of the 2019 financial year, according to a report by Business Insider. Mr. Stanley has argued that the “negative stance” on the major banks reflects a more bearish economy.
Similarly, Financial Review reported that foreign investors had taken a negative view towards Australia’s banking sector, and the financial services firm AMP. The Chief Investment Officer of Credit Suisse Private Banking in Australia, Andrew McAuley commented that “our intel is telling us that banks are being shorted by overseas investors.”
And, by extension, there is a clear and present danger that Canberra will act in a knee-jerk reaction and vote for more stringent regulations on banks. The kind of regulations that will make it harder for the banks to operate effectively.
Despite all this, it would foolish to write off Australia’s top banks. The finds of the Commission, though damning, does not change the fact that banks play an integral role in Australia’s economy. Banks provide a place for people to store and protect their money, facilitates loans, and helps people invest their wealth. And in a culture that seems more interested by which overgrown monkey will kick the most goals in a football game, or which brain-dead contestant on The Bachelor will break down into tears first, it is very likely that the banking scandal will be forgotten rather quickly. Australia’s banks may be wounded, but they have not been slain.
In March of 2015, a Coloradan woman, Michelle Wilkins, was lured to a meet-up arranged on Craigslist and brutally attacked. During the attack, Wilkins, who was seven months pregnant, had her unborn child cut from her body. Wilkins survived the attack but, sadly, her child did not. And, as if to add insult to injury, Wilkin’s unborn child was not recognised as human under Coloradan law.
Legal abortion – which I will define as the state approved murder of an innocent life – is a barbarity no civilised society should tolerate. As the Canadian clinical psychologist and YouTube sensation, Jordan Peterson (1962 – ) commented, “abortion is clearly wrong. You wouldn’t recommend someone you love have one.”
However, this is not to say that abortion isn’t a deeply complex and emotive issue. On the one hand, it is a procedure often used by desperate or easily persuaded women who feel that aborting their unborn child is the only option open to them (which it very rarely is). On the other hand, it is a form of murder cynically exploited by feminist extremists for political purposes.
Pro-choice proponents have several arguments in favour of total and free access to abortion.
The first argument, and the one that carries the greatest degree of credibility, concerns the health of the mother and her ability to safely carry a child to term. The Washington Post, for example, reported a story about an Indian girl who had been repeatedly raped and eventually impregnated by her uncle. An abortion was performed when it was decided she was too young to carry her child to term.
In all honesty, this is a sentiment which I have a great deal of sympathy for. It is very difficult for a woman to be a mother if she is dead, and it would be as wrong to sacrifice the life of the mother for the child as it would be to sacrifice the life of the child for the sake of the mother.
But the argument that abortion is necessary when the health of the mother is in jeopardy does not necessarily translate into the full, absolute, and unquestionable right to abortion. It is merely an argument for the preservation of the life of the mother.
The second argument concerns the health of vitality of the child itself. Often, however, this kind of argument is often used as a disguise for a desire to engage in eugenics. Claiming that a child with down syndrome should be aborted, for example, is the same as saying that people afflicted with certain maladies should not be afforded the same right to life as everybody else.
The third argument concerns instances where pregnancy has been instigated through an act of rape or incest. Whether or not rape should be sufficient grounds for an abortion is a tricky one to grapple with. On the one hand, the mother did not choose to be placed in the situation she has found herself in. And, by extension, birthing, and most probably raising, a child borne of rape may prove to be an insurmountable emotional turmoil for the mother. On the other hand, however, the child did not choose to be conceived through rape, and it is immoral to punish an innocent person for the crimes of another.
In reality, however, the rape justification for abortion is merely a red herring. It is a backdoor method for justifying the total, absolute, and unquestionable access to abortion.
The fourth argument concerns the idea that a woman has the right to abort her unborn child because she has the absolute right to bodily autonomy. In Texas last year, Judge Earl Leroy Yeakel III (1945 – ) overturned Senate Bill Eight which prevented doctors from performing evacuation and dilation abortions by mandating that a child’s heart must stop beating before the procedure can be performed. Yeakel claimed that the decision to abort a child outside the womb is “solely and exclusively the woman’s decision.”
This is the easiest argument to refute. An abortion does not only affect a woman’s body, it also destroys the life of a separate, innocent human being. Furthermore, the right to choose when to have a family is one shared by all people up to a point. A man has the right to wear a condom, he can have a vasectomy, and so forth. Likewise, a woman has every right to use contraceptive birth control, a diaphragm, a female condom, a cervical cap, an intrauterine device, and more. Couples can even refrain from having sex. But the right to family planning ends the moment a child has been conceived.
The fifth argument, and the one that is the most egregious, is the argument that an unborn child does not count as a human life. Much of this is the result of language. We use Latin words like “foetus” and “embryo” to fool ourselves into believing an unborn child is not a human being.
Therein lies the rub. People have always justified evil and immorality by altering the parameters of their morals to suit themselves. People have always justified murder by claiming that the person they are killing is not human. They may argue, for example, that murder is wrong, but that they are justified in aborting their unborn child because they do not see that child as human.
And the biological and physiological question of whether the unborn child is a human being is, without any shadow of a doubt, yes.
This is the case right down to the genetic level. Virtually every cell in our bodies contains thirty thousand or more different genes that are spread out on long strands of DNA known as chromosomes. Now DNA is very special. It is the chemical building block that makes us who we are. It determines whether or not we will go bald, what our eye and hair colour will be, how tall we will be, and much more besides.
If there is anything that DNA is good at it’s replicating itself. This can occur in two ways. At the most basic level, DNA replicates itself through cloning. At the most complex, one set of DNA merges with another set of DNA through sexual intercourse. And in doing so it creates an entirely unique individual.
But how can it do this safely? The answer lies in a process known as meiosis. When the human body makes sex gametes – sperm and ovum – it does so by making a copy of a previous cell. When it does this it keeps itself attached at one point and then condenses to make an ‘X’ shape. The four chromosomes then embrace and transfer some of their genetic material to each other. Finally, the cell split twice to create new sperm or ovum that carries a unique genetic package.
In other words, every sperm cell and every ovum carry a set of chromosomes that has never existed before and will never exist again.
Human beings have a grand total of forty-six chromosomes or twenty-three pairs. The moment a child has been conceived a full set of these chromosomes, known as a diploid, is established. It will receive twenty-three chromosomes from its father and twenty-three chromosomes from its mother.
The average pregnancy lasts between thirty-seven and forty-two weeks. During this time the child growing inside a woman’s body will go through all kinds of wonderful and miraculous changes. At three weeks, it’s brain, heart, gastrointestinal tract, and spinal cord have begun to form. By the fourth and fifth weeks, the heart is pumping rudimentary blood through the child’s veins with a steady rhythm. By the sixth week, the child’s fingers and toes have begun to form, and the child’s heartbeat can now be detected. By the end of the second month, all the child’s essential organs have begun to form.
And there’s still another seven months to go! By the fourteenth to sixteenth weeks, the child will begin to move around, its liver and pancreas will have begun to secrete fluid, and its fingerprints will begin to form. By the seventeenth to the twentieth week, the mother will be able to feel her child moving around inside her, it’s heartbeat will be detectable via a stethoscope, and its fingernails, toenails, eyebrows, and eyelashes will have started to grow.
By the twenty-fourth through to the twenty-sixth week, the child’s brain will be rapidly developing, the nervous system will be developed to a sufficient enough degree to give the child some control, albeit minutely, over its own movements, it will have developed a startle reflex, and its sleeping cycles will be perceptible to the mother. A child born at this stage can survive outside the womb with the assistance of modern medical technology. By the thirty-third to thirty-sixth week, the child will shift into the birthing position and will rapidly put on weight. Within weeks, a fully formed human being will be born.
Any discussion about abortion must begin with the scientific truth that an unborn child is a human life. Only after that truth has been acknowledged can factors like the health of the mother, the vitality of the child, cases of rape and incest, and bodily autonomy can be considered. The preservation of innocent life is the most important responsibility for every person living in a free society. The way we respond to this issue will define us for decades to come.
According to an article in the Sunday Mail entitled, “Vote #1 16 and Give Our Youth Their Say”, the South Australian Youth Affairs Council has responded to Business SA’s campaign to halt the disastrous mass exodus of youth from the state by pushing the State government to lower the voting age to sixteen.
The proposition has had a mixed response from the state’s major political parties. It has garnered support from the Australian Greens, and has had received an ambiguous nod of approval from the Labour Party, although Jay Weatherill has admitted that “Labour has no plans to take such a policy to this election.”
By contrast, the SA Liberal Party has reaffirmed its decision to leave the voting age where it is. Meanwhile, Nick Xenophon concurred but added that eighteen-year-olds need better education to be better voters.
Young people have often been used as pawns by the far left. They are perfectly prepared to “let children speak for adults” when the views they espouse align with their position. They are decidedly less willing when it doesn’t. Indeed, part of the motivation for giving sixteen-year-olds the vote is that they are far more likely to be fooled into voting for the kind of lunatic, far-left policies that most reasonable adults won’t.
Teenagers lack the cognitive development, life experience, and emotional maturity to make wise and informed decisions. For all their merits, young people can be reckless, impulsive, and self-centred. As a consequence, they often act without considering the long-term consequences their actions have on themselves or others.
In Britain, those who wish to lower the voting age typically talk about “seeding respect for the political process” and “increasing civic engagement.” However, lowering the voting age is not the way to do this. The true answer to “seeding respect for the political process” and “increasing civic engagement” is to educate youth on the political process, and foster a culture of responsibility and community engagement. As the conservative Youtube star, Roaming Millennial reminded her audiences, voting is a responsibility, not just a right.
The rise to power of Nationals leader and Deputy Prime Minister, Barnaby Joyce has come to a dramatic halt as news of his marital infidelity dominates the headlines.
The political fallout has been immense, but predictable. On Thursday, the Senate passed a motion that called for Joyce for to relinquish his post as Deputy Prime Minister. Greens leader, Richard Di Natale called on Joyce to resign and even demanded that the Nationals fire him if he refuses.
The Prime Minister, who commented that Joyce had made a “shocking error of judgement”, responded to the scandal by changing the ministerial code of conduct to prevent Federal Ministers from having sexual relations with members of their staff.
Joyce’s shocking lack of moral fibre has jeopardised any real political power conservatives in Australia have, and has threatened the delicate balance of power between the right-wing and left-wing factions of the coalition Government.
Following the usurpation of the conservative Prime Minister, Tony Abbott by Malcolm Turnbull – a prominent voice of the left-wing faction of the Liberal Party – many on the right hoped that a Joyce-led Nationals would be able to counteract the centre-left leaning Liberal Party with their brand of traditionalism.
Naturally, Barnaby Joyce’s marital infidelity and dishonesty puts the trustworthiness of politicians in question.
A large part of the fury over Joyce’s affair is not the sexual infidelity, but the fact that he dipped into the public purse to finance the charade. As the political scientist and commentator, Jennifer Oriel stated in her article, “Barnaby Joyce’s Greatest Sin is Being Conservative”, the combination of corruption and marital infidelity violates the most basic codes of common decency.
Barnaby Joyce’s behaviour is precisely the reason Australians are cynical about politicians.
The idea that people ought to be cynical about politicians is hardly news to anyone with any real knowledge of history, politics, or human nature.
The reason countries like Australia place so many checks and balances – separation of powers, the Constitution, an independent judiciary – on those in power is that power tends to have a corrupting effect on the human soul.
As Lord Acton famously put it: “Power tends to corrupt, and absolute power corrupts absolutely.”
The greatest measure against tyranny is the establishment of a political and legal system that places restrictions on power. We should be thankful that Barnaby Joyce’s biggest transgression was marital infidelity, and not much worse besides.
(This is derived from an old essay I wrote for university)
The size of government is an important yet seldom discussed issue. This is a peculiar phenomenon as the size of government is integral to our freedom. When government power is not limited those with power are able to encroach upon the freedoms of the people. However, when the powers of government are limited people are able to live in peace, freedom, and prosperity.
The Age of Enlightenment (c. 1685 – c. 1815) represents a period in history where the principles of the old world were replaced by new ideals. It was during the Enlightenment that the concepts of modern democracy (democracy originated with the Ancient Greeks, albeit in a rather primitive form), liberty, and inalienable rights began to emerge. One of its key concepts, limited government, came about during the High Enlightenment (c. 1730 – 1780). The English philosopher John Locke (1632 – 1704), perhaps the greatest defender of limited government, believed civil power should be derived from individual autonomy and that the separation of powers was necessary to protect people from tyranny.
Limited government works on the idea that governments should have a little interference in people’s lives as possible. Supporters of small government believe that big government destroys human creativity and innovation because. As the Austro-Hungarian philosopher, Friedrich Hayek (1899 – 1992) stated: “the more the state plans, the more difficult planning becomes for the individual”. Numerous supporters of democracy and liberty had held limited government as an important, and necessary, ideal. The American statesmen, founding father, and President, James Madison (1751 – 1836) sought institutions which would limit the scope of government and give more rights to the individual. Similarly, the Australian Prime Minister, Malcolm Fraser (1930 – 2015) argued that “the power of the state should be limited and contained”.
In no other area is this been clearer than the economy. The economist, Adam Smith (1723 – 1790) argued that regulations on commerce are not only ill-founded but also counter-productive as countries depend on capital accumulation . According to James Madison, guarding persons and property would: “encourage industry by securing the enjoyment of its fruits.” Nations with small governments create their own fortune by allowing the people to participate freely in the marketplace.
Small government makes them master of their own destinies rather than making the government master of them. The people should never forget, as Ronal Reagan put it, “we the people are the driver, the government is the car.” Only small government can continue to survive into the future, only small government can protect the rights of the individual, and only small government celebrates human achievement. This is why small government matters.
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