What have you agreed to?

6 Replies Christopher Roberts

Padlocked gateImage Credit

Whilst reading Animal Farm in school, my English teacher at the time had a reasonably poor memory, and as a result we would reread chapters several times, and we never actually finished the book. I did however get to see a (very impressive one-man) theatre production of the book, and I have seen the 1999 film – who’s idea was it to have a happy ending!

Anyway… today, in a BBC article it is reported that according to Fairer Finance, many car insurance policy documents are longer than George Orwell’s Animal Farm. One of the longest of the documents they found was Danske Bank’s terms and conditions which  contained almost 70,000 words – that’s more words than Animal Farm put together with Of Mice and Men – which was incidentally another book I read at school.

Of UK financial services companies, HSBC came in top with 34,162 words, whilst LV was the lowest with 6,901 – 27,261 fewer words.

Why?

For financial institutions legal jargon is important. Terms and conditions provide organisations with legal protection and are in some ways a measure of credibility and assurance – would you place trust in a bank which didn’t have any terms and conditions? I understand that they are important, but why do they need to be so long and full of technical jargon?

Do you think companies are aiming to dissuade people from reading their terms by making them so long-winded? If so, what could a business put in its terms? Could a social media site claim ownership of your face? Don’t be silly.

Do long, wordy terms of service not discriminate against slower readers, and people who have a life? Sometimes I struggle to keep up with my university reading, so how/why on earth am I expected to read a novel length script of jargon each time I open a current account?

Help is out there!

Facebook, Google and Twitter are no angels either, many websites also have ridiculously long terms of service. There is however consumer help for judging these sites, thanks to Terms of Service Didn’t Read. I use their browser extension for Firefox, and it is helpful.

YouTube tosdr

YouTube is rated D by Terms of Service; Didn’t Read

Fairer Finance have started a petition to try and bring down the small print and force organisations to be more concise and consumer friendly. Visit the campaign page and you can also send them any examples you have of annoyingly pointless small print.

Earth Day

1 Reply Jonny Hankins

earth

Today is Earth Day. It is the 44th time that we celebrate this planet that we call home. The celebration started in 1970, and is the brain child of US Senator Gaylord Nelson.

Nelson asked Denis Hayes to organize a day of awareness, on April 22nd, and by the end of 1970, the U.S. Environmental Protection Agency had been established, and efforts to improve air and water quality were gaining political traction.

Today is a time of celebration, of love for our little speck in space. And it is a lovely speck, there are some quite beautiful places to see and experience dotted across the surface.

This year’s Earth Day boasts an organization that includes more than 22 000 organizations and hopes to conduct 2 billion acts of awareness and improvement. It is an education day, that has green schools and a Leadership Center.

Why not have a look at the organization’s website, and look around your little piece of the speck to see what you can do to raise awareness of the problems faced by our world and maybe plant a tree, collect some plastic for recycling, weed an invasive species or get into a debate with your kids?

There are plenty of opportunities!

Vehicle Reversing cameras, a real safety improvement?

5 Replies Jonny Hankins

Congratulations on a beach

Congratulations Jonny! You have the honour of posting Technology Bloggers 500th article – which is also your 125th! It is also the first post of Technology Bloggers fourth year. (Image Credit)

A car reversing cameraImage Credit
At the end of last month the National Highway Traffic Safety Administration (USA) finalized long-delayed rules that will require automakers to install back-up cameras in all vehicles by May 2018. This was a long fought battle, the auto makers not wanting to be forced to adapt such measures.

And we must consider the costs, possibly between $500 and $900 million a year, to be borne by the purchaser, manufacturer and of course the state. The legislation is aimed at avoiding death or injury caused when drivers reverse over their own children or the elderly (the main victims in such accidents).

All well and good I say, maybe the rules will save some lives, and we should bear in mind that they did take 10 years to pass. But how many lives will they save?

A Typical view in reverse

We have to bear in mind that auto-mobile manufacturers estimate that upwards of 60% of all cars would have had the technology as standard by 2018, we are talking about the remaining 40%, so an incremental improvement on an already rolling ball. But how many people are killed each year in the USA in accidents of this type?

According to this article, fittingly enough from the Detroit News, 60 to 70 lives a year would be saved if all the fleet had rear view cameras, but of course as stated above 60% would have already had the cameras, so the legislation itself would save about 15 lives a year and save 1300 injuries. But how many injuries and deaths are there a year in the USA?

On average in recently in the USA there have been about 35 000 deaths and more than 2 million injured in motor accidents. According to the US Census Bureau most of those were caused by speeding and alcohol.

Now I would question the rationale of spending the amounts of money required to install cameras in all cars when the number of lives saved is going to be so small. We are talking about between 15 and 25 million dollars per life, when there may be better ways of spending this money and saving more lives.

If we look at the legislation in context, I think there are other questions that need to be asked too. The US government Distracted Driving website offers another bewildering array of statistics and related information, with mobile technology use once more taking the blame for accidents. But we might imagine that it is illegal to text and drive, but it is not in all states. Several states still allow you to send a text message while driving. Texas for example bans texting for bus drivers and novice drivers, and in school areas for everyone, but I can drive and text in Texas perfectly legally. Arizona only bans bus drivers from texting, and in south Carolina there are no rules about using mobile technology while driving.

Although road deaths have come down dramatically in the USA, those related to driver distraction have gone up. This could be related to changes in how the statistics are reported, or might be related to increased usage of mobile devices, I cannot tell that from the data provided in the census.

A table is available here that summarizes the current situation.

As a quick comparison in the UK you can be charged with reckless driving if you are involved in any accident, and texting and hand held telephone use is against the law. If you are eating or drinking however this can also be taken into account, and there is research that suggests that eating and drinking while driving can dramatically slow down reaction time. Check out this article in the Telegraph newspaper.

So I want to ask a serious question about this US legislation that we could ask about a lot of other legislation. Do these new rules really make driving safer, or do they make us feel that we are safer, or do they just make us feel that we are doing the right thing?

I don’t honestly believe that this legislation will really make driving much safer for anyone, although this is of course my own opinion. I am not making light of accidents that involve reversing over children or old people, but there must be plenty of more efficient ways of cutting down road deaths than this (like taking action to deter mobile phone or texting use for example).