The National Approved Letting Scheme (NALS) says it is to back a credit referencing system launched five years ago by leading referencing agency Experian that adds tenants’ rental payments to their credit histories.The scheme, called The Rental Exchange, aims to help tenants improve their credit score by paying their rent on time.If tenants and letting agent agree, Experian will record their monthly rental payments in the same way a home owners mortgage payments are documented.NALS says the scheme will enable tenants to “strengthen their credit histories and ease any difficulties accessing credit” and the organisation is working with The Rental Exchange to ask its member agents to get behind the scheme.NALS says the scheme is simple to use and free for agents to sign up to although previously, agents and landlords have had to pay to then access the information.Landlords and agents are split into two sizes by the scheme; those owning or managing less than 100 properties, who submit tenant payments data via a service called CreditLadder, and those who own or manage more than 100 properties. These agents or landlords will be able to feed rental payments directly into the scheme’s website.The Rental Exchange is already widely used in the social housing sector through Experian’s partnership with The Big Issue, where it is used as an incentive for tenants to pay their rent on time.“By paying [their]rent on time, tenants will be able to demonstrate to a prospective agent that they are a good and reliable tenant” a NALS spokesperson said.“Tenants with a history of little or no credit can build a stronger credit history and gain access to mainstream, cheaper credit.”More information from www.experian.co.uk/rental-exchange or www.nalscheme.co.ukNALS The National Approved Letting Scheme The Rental Exchange Experian January 31, 2017Nigel LewisWhat’s your opinion? Cancel replyYou must be logged in to post a comment.Please note: This is a site for professional discussion. Comments will carry your full name and company.This site uses Akismet to reduce spam. Learn how your comment data is processed.Related articles Letting agent fined £11,500 over unlicenced rent-to-rent HMO3rd May 2021 BREAKING: Evictions paperwork must now include ‘breathing space’ scheme details30th April 2021 City dwellers most satisfied with where they live30th April 2021 Home » News » NALS backs Experian tenant rental payments initiative previous nextProducts & ServicesNALS backs Experian tenant rental payments initiativeIf tenants and agents agree, rental payment records will be added to credit historiesNigel Lewis31st January 20170824 Views
Responsible for scheduling and performing a wide variety ofduties required to install, maintain and repair heating,ventilating, air conditioning, ice storage system, refrigerationequipment and controls throughout the University.Works from preventive maintenance and repair requests,schematics (pneumatic and electrical), blueprints and verbal orwritten instructions to troubleshoot, inspect and repair equipmentand systems.Conducts preventive and corrective maintenance actions onheating, ventilating, air conditioning, refrigeration and controlsystems throughout the University in codes and regulatoryagencies.Conducts inspections of systems and equipment as frequencydetermines. Uses manufacturer’s recommendations when inspection,lubricating, testing, calibrating and repairing equipment.Installs cooling coils, tubing, expansion valves, controls,motors, compressors, air filters, and dehydrators; use leakdetectors; evacuate, purge and charge systems using correct kindand amount of oil and refrigerant.Maintains correct pressures and temperatures; oil grease, andreplace motors, fan bearings and other frictional wearing surfaces.Clean and apply preservatives on evaporative condensers and otherequipment. Remove moisture and non-condensable gases fromrefrigerant systems. Cleans tube bundles.Checks electrical circuits for continuity and replace fuses;replace, maintain and repair electrical controls.Must be able to do soft soldering, silver soldering, andbrazing as required in the trade, using oxyacetylene equipment The HVAC Mechanic II makes complex problem diagnoses and performsrepairs and maintenance services, or installs, a variety ofmechanical, electrical, plumbing, heating, or energy generationequipment, independently handles complex problems requiringadvanced training and extensive experience. Uses sophisticateddiagnostic methods and innovative repair techniquesEssential Functions Include QualificationsKnowledge : High school or trade school diploma required. Technicaltraining/Certification in Control Systems (pneumatic and DDC),Technical training/Certification in Refrigeration and HVAC systems.Years of experience can be substituted for certification ifproficiency and knowledge of systems can be demonstrated. Thoroughknowledge of the principles of air conditioning and refrigeration;of the practices and techniques used in the installation, repairand maintenance of HVAC equipment and systems; of refrigeranttypes, environmental impact, and gas reclamation procedures andequipment. Minimum 6 years working in an industrial or commercialsetting as an HVAC or refrigeration specialist. CFC License-minimumClass 2 required; Universal preferred. Valid Maryland driver’slicense required.Experience : Six years progressively responsible experience in anycombination of air conditioning, refrigeration, temperaturecontrol, hot water distribution or heating trades at a similarinstitution or work placeWorking Conditions : Lifts, carries, pushes a variety of tools,materials and equipment (up to 50 pounds). Climbs, balances stoopskneels and crouches in performing work. Works inside and outside.Extensive walking throughout campus on a daily basis. Quick andpositive reaction in emergency situations. Occasional extended workperiods. Exposed to wet and cold conditions; noise vibration fromoperating equipment. Possible exposure to toxic refrigerants andchemicals. Good distant vision in one eye and ability to readwithout strain printed material the size of typewritten charactersare required-glasses permitted. Ability to hear the conversationalvoice, with or without a hearing aid is required. Ability to speakand be understood under circumstances.Work Schedule : 7:00 AM – 3:30 PM Monday – Friday. Schedule mayinclude evenings and weekends on an as needed, on call basis. Thisposition is designated as essential personnel.
FacebookTwitterCopy LinkEmail Asserting the Court of Appeals’ ruling in a rent-to-own dispute will adversely impact tenants across the state, Indiana Legal Services filed a petition Monday to transfer its litigation against Rainbow Realty Group for the company’s rent-to-own practices. The petition is the latest turn in a case that began in Marion County small claims court in 2015 and worked its way to the Court of Appeals. Several organizations, including the Economic Justice Project at the Notre Dame Clinical Law Center and the National Consumer Law Center, filed amicus briefs in favor of ILS’s clients, Quentin Lintner and Katrina Carter.In its transfer petition, Indiana Legal Services argued the rent-to-buy contract is a lease governed by the state’s Landlord-Tenant Act. The legal aid provider called the Act an “unambiguous statute” and urged the Supreme Court to grant transfer because the appellate court’s decision on this statutory question of the first impression will govern rental agreements of “hundreds of other Rainbow tenants and many other tenants across Indiana.”The case is Rainbow Realty Group, Empire Holding Corp. and/or Cress Trust v. Katrina Carter and Quentin Lintner, 49A02-1707-CC-1473.Rainbow Realty is the defendant in other lawsuits filed by the Indiana Attorney General’s Office and Fair Housing Center of Central Indiana.Lintner and Carter entered into a rent-to-buy agreement with Rainbow in 2013 a few weeks after seeing a yard sign that advertised “Own a Home in Three Days. Bad Credit OK.” The house the couple signed for did not have plumbing or electricity, had no working doors or windows and was generally not fit for habitation.Under the terms of the agreement, Lintner and Carter had to make rental payments for 24 months. They did not accumulate equity in the home during that time and they would be evicted if they fell behind in rent, losing whatever investment they made in refurbishing the residence.Rainbow Realty had the couple evicted in small claims court, but Lintner and Carter appealed to Marion Superior Court. Ruling Lintner and Carter were treated as “homeowners when it came to maintaining the property and tenants when it came time to evict them,” the trial court found the company violated the Landlord-Tenant Act and granted partial summary judgment to the couple.Before the Court of Appeals, Rainbow Realty argued the agreement signed by Lintner and Carter is not a lease but a contract for sale.A unanimous appellate panel agreed with Rainbow, holding the agreement did not have a definite term and the property did not revert to the lessor, which are the statutory requirements of a lease. The Court of Appeals found the definition of “rental agreement” in the Act provided only “limited guidance,” and instead adopted a common law definition of lease from an 1845 case requiring leases to have a definite term and end with reversion to the landlord.Although the panel acknowledged the agreement does contain elements of a lease, it held that the concern that such agreements prey on unsophisticated “buyers” who stand to lose both their home and their money is best addressed by the General Assembly, not the courts.Indiana Legal Services believes the Statehouse has already covered the matter.“The arrangement, in this case, is just the kind of abusive practice that the legislature was trying to outlaw by enacting the Landlord-Tenant Act,” ILS wrote in its petition to transfer. “Rainbow deceptively dressed up as a sale what is actually a rental agreement that provides substandard housing at an inflated price. The arrangement allows Rainbow, which buys hundreds of uninhabitable properties, not only to have them occupied and therefore less prone to vandalism but also in many cases to have them improved by the tenants before they are evicted, improvements Rainbow retains after evictions without compensating tenants.” Indiana Supreme Court Asked To Review Rent-To-Buy AgreementsNovember 1, 2018Marilyn Odendahl
[ready_google_map id=’5′]The search for a boater reported missing July 20 off the point in Longport, across Great Egg Harbor Inlet from Ocean City, has taken a new turn, according to a report from The Press of Atlantic City.Read the full story from Lynda Cohen of The Press: “Missing EHT man believed to be on the run after staging Longport boat accident.”Andrew Biddle, 45, was reportedly missing after a late-night boating accident on an incoming tide. But his body has not been found in the 13 days since the report.
== Mich Turner, founder of Little Venice Cake Company, Marylebone, London ==is author and celebration cake maker to the stars. Turner employs a team of patissiers, chocolatiers and sugar-crafters, making bespoke cakes and her own branded line of productsAs a Supreme Judge in this year’s Great Taste Awards I have just returned from a morning session blind-tasting over 40 gold medal-winning foods. For me these have included smoked salmon, very berry jams, chocolate lime biscuits, Aberdeen Angus steak pie, Cajun mustards, lemongrass-flavoured oils, cheese biscuits and Clementine chocolates.The Great Taste Awards are now seen as The Oscars of the speciality food industry, celebrating their 15th anniversary this year with some 4,500 entries from independent food producers. From small acorns these awards have grown, the first year being held in the dining room of Bob Farrand, managing director of the Guild of Fine Food, with fewer than 200 foods. Six years later, entries topped 1,000 and around 50 judges assembled to choose the Supreme Champion – Rannoch Smokery’s smoked venison.The awards are now capped with 4,500 entries, judging takes place over several weeks and the winning entries are bestowed with one- two- or three-star golds. This was my role today, together with over 60 other judges in the food world, including journalists, home economists, the Women’s Institute, food buyers and chefs. All are foodies and all are keen to sample the wares and none too shy to proffer spoonfuls of a particularly outstanding Manchego cheese or blackcurrant sorbet they felt deserving of three gold stars.I was impressed with the sheer scale of the event; over 4,000 foods have successfully made it to this round, divided into various food categories, including bread flours for which there were 12 contenders. Faced with the challenge of tasting 12 such flours, one of the Supreme Judges dutifully took the flours home and made a loaf of bread with each, following an identical recipe. This allowed the group to taste the breads and award their gold stars accordingly.From soda breads to chocolates with alcohol, rich fruit cakes to frozen yoghurts, meat pies to biscuits, there are currently in the region of 300 classes of food.Sharing the judging on my table were three other foodies awarding three gold stars to just one of our products, a flaky smoked salmon, which was quite exceptional – not too pink with a lovely skin, authentic flavour and firm, but not chewy texture.Well, I have given my opinions and put forward my Supreme Champion. Many of the judges were staying for an afternoon session – I had a book to get off to repro and some Christmas cake samples to prepare. This year’s regional and national winners and the Supreme Champion will be announced at an awards ceremony in London on Monday, 8 September.
This is one in a series of profiles showcasing some of Harvard’s stellar graduates.Pedrag Stojicic was studying medicine in his native Serbia in 2005, planning to become a surgeon, when a girl approached him in a Belgrade café and told him he just might have saved her life.Stojicic wasn’t practicing medicine yet, but had helped to found a nonprofit that educated young Serbs about HIV/AIDS and urged them to get tested for the disease. The girl, worried that she was infected, was afraid to get tested until she heard Stojicic on television say that there was help even for those who were HIV-positive. Her results came back negative, but she thereafter took precautions.Stojicic never saw the girl again, but she affected his life as much as he did hers. The encounter convinced him that his future was in public health.Stojicic has taken a winding path from Serbia to Boston, where he is part of the Harvard School of Public Health’s (HSPH) Class of 2012. Along the way, he received his M.D. from Belgrade University and an M.B.A. from Serbia’s Faculty of Economics, Finance and Administration.In addition to founding the HIV/AIDS nonprofit, he worked on health care reform in Serbia and then established a second nonprofit to fight corruption in the Serbian health care system.In 2008, Stojicic came to the United States to work on Barack Obama’s presidential campaign, convinced that Obama would overturn government restrictions on international aid for programs that distribute condoms, an essential tool in the fight against HIV. Stojicic was impressed with the campaign’s grassroots nature and, while doing Internet research, read about Senior Lecturer in Public Policy Marshall Ganz’s Harvard Kennedy School class on organizing.Stojicic found a syllabus online, got some of the materials, and began reading. The next year, he took the class on the Internet as a distance education student. The following year, while still in Serbia, he became a teaching assistant in the class.Ganz described Stojicic as a “people person” who is dedicated to learning the craft of organizing and who has a rare knack for developing excellence in others.Stojicic finally made it to Harvard and met Ganz last fall, when he enrolled in HSPH’s one-year master’s in public health program. Stojicic has continued as a teaching fellow with Ganz as he has pursued his public health studies. Stojicic said he has been impressed with HSPH’s expert faculty and the School’s emphasis on translating scientific knowledge into public health practice. He is eager to engage with classmates and alumni as they work to improve health around the world.“I really appreciate being exposed to an environment with a lot of expertise, a lot of people who really understand public health problems,” Stojicic said.While at HSPH, Stojicic has worked with John McDonough, director of the Center for Public Health Leadership and professor of the practice of public health. McDonough met Stojicic early in the school year and described him as having a “magnetic personality,” being highly motivated, and eager to get all the knowledge he can from HSPH.Stojicic will spend much of the year after graduation as a half-time fellow at the Center for Public Health Leadership and at the Hauser Center for Nonprofit Organizations.When he returns to Serbia, Stojicic said he will resume his efforts to fight corruption in the public health system. Many physicians in the system, which is supposed to offer universal free care, demand payment from patients for treatment, Stojicic said.“I think he’s going to go back and make a huge difference in Serbia,” Ganz said.
Our customers operate in highly competitive industries where every ounce of productivity is critical. Creating a workplace that empowers employees to be productive continues to be one of the key priorities for organizations of all types. While we know there are many factors that influence a workplace’s productivity, customers keep listing one issue as a priority—ensuring their employees are provided with the right tools to ensure their success.There are many considerations that need to be taken into account to ensure employees are in the best environment for productivity. Employees need maximized ergonomics to foster efficiency as well as increased interactivity to take advantage of the entire workforce’s capabilities, while organizations need to be able to customize work styles to tailor to different roles.At Dell we pride ourselves on knowing our customers and we work closely with them to stay ahead of the technology demands and business challenges that drive their decisions. It’s this understanding that fuels our innovation, along with a desire to provide truly connected offerings that incorporate every aspect of our industry leading hardware and software suites. Although incremental adjustments continue to be made to keep existing products competitive, Dell often leaps ahead of the curve to provide customers with the next big thing.At Dell World in Austin today, I was extremely excited to preview two industry-leading concepts that will provide our customers with added productivity and performance opportunities they have only dreamed about—the Dell UltraSharp 27 Monitor and the Dell “smart desk” workspace of the future concept.Unprecedented detail and compatibility to power the most creative conceptsOur groundbreaking Dell UltraSharp 27 Monitor is the world’s first display with Ultra HD 5K resolution (5120 x 2880) and it will be a game-changer for our creative customers. Dell serves the creative technology needs of Academy Award-winning visual effects studios, Grammy-winning artists and the next generation of students who will find entirely new ways to leverage technology in fields such as arts and design. These customers’ day-to-day jobs often depend on productivity, efficiency and precise detail to bring complex, out-of-this-world images to life in the face of rigid deadlines. Ultra HD 5K resolution is equivalent to four times the resolution of QHD and seven times the resolution of Full HD. That means photographers and our other creative customers who require the highest possible resolution to optimize their work will be able to see and control the imagery they invent at an unprecedented level of detail.By integrating the Dell UltraSharp 27 Monitor with Dell’s entire innovative solution suite, we can offer our customers true end-to-end solutions—always backed with Dell’s reputation for security, manageability and reliability. This monitor has six USB ports and one media card reader to seamlessly connect to a litany of other peripherals; whatever our customers need to push the limits of their creative concepts will be supported. The Dell UltraSharp 27 Monitor is available for pre-order on November 13, ready to ship on December 18.The future of office collaborationOnce an innovation proves to greatly increase productivity, it becomes hard to remember how we got by using the antiquated method it replaced: rolodexes vs digital contacts, faxes vs emails, typewriters vs computers. The Dell smart desk concept revolutionizes the productivity of digital artists, engineers, architects, and scientific analysts operating high-performance professional applications with the introduction of a new interactive zone. By combining interactive LCD touch screens with innovations in user experience in conjunction with participation from key Independent Software Vendor (ISV) partners and Dell Precision workstation performance, the Dell smart desk will change creative, design, and analysis workflows for the better while introducing a new, immersive way for professionals to interact with those demanding workflows.Placed in a natural, horizontal location that is more comfortable for touch interaction, the Dell smart desk provides a work surface that aligns closely with the productivity requirements of professional software applications. Paired with a vertical display and powered by plug-ins to key ISV applications, it instinctually separates seeing from doing; primary work activities are close to the user while secondary ones are further away, accessible through intuitive screen swipes. Ten-plus finger touch functions as well as high-performance pen functions and gestures, paired with a new generation of tools naturally located on a horizontal surface, will allow users to easily manipulate digital content without having to step away from the task at hand. This digital desktop allows for multiple desks to be clustered around specific projects, notes that can be searched and shared, and better organization with scaling and stacking of growing content. In fact, any smart desk workspace will allow users to pick up their work session wherever they left it—regardless of location. This means that the creative cycle will never miss a beat.These conceptual product previews are not only industry leading, they have the potential to transform the way we work. They represent an exciting shift in how we interact with technology in the workplace. However, most importantly, they are innovations that were not created in a vacuum. Not only do the Dell smart desk and the Dell UltraSharp 27 Monitor feature the latest technological developments, they also address productivity issues of real importance for every customer.It’s this mix of innovation and practicality that really excites us at Dell – and it’s a notion that reflects the entrepreneurial spirit Dell was founded on more than 30 years ago. </p><p>
It is well-known in the medical field that the pig brain shares certain physiological and anatomical similarities with the human brain. So similar are the two that researchers at the University of Georgia’s Regenerative Bioscience Center have developed the first U.S. pig model for stroke treatments, which will provide essential preclinical data and speed the drug discovery process. Often referred to by research teams as “the animals most like people,” pig-derived medical products have a long history of use in humans and have improved the lives of countless patients. Pig heart valves are used to replace damaged or diseased human valves, diabetics may use insulin taken from pigs, and the blood-thinning drug heparin was first derived from a pig. “Compared to mice, our large animal stroke model is a more rigorous test of potential therapeutics with findings that are likely more clinically relevant,” said Franklin West, an associate professor in the College of Agricultural and Environmental Sciences and senior author of the paper describing the model. Using their model, the team has shown that induced neural stem cells, or iNSCs, can replace stroke-damaged brain tissue and stimulate neuroplasticity — the brain’s ability to naturally repair itself. “This is the first time that a neural stem cell therapy has been tested in a large animal model with a brain more similar to humans,” said Emily Baker, lead author of the study, who recently received her doctorate in neuroscience from UGA. “With greater predictive capabilities, there’s a better likelihood of it working in a human.” Stroke is the cause of one in every 19 deaths in the U.S. and has estimated annual cost of $315 billion — 56 percent higher than treatment-associated costs of all cancers, according to the American Heart Association. Despite the urgent need, almost all clinical trials of neuroprotective therapies to date have failed to translate from the laboratory to the clinic, according to the RBC research team. Stroke therapies that worked on small animals such as mice more often than not proved ineffective in human strokes.With the failure of so many clinical trials, the concept of neuroprotection and the inability to demonstrate a regenerative action to restore and replace brain tissue has been the subject of many discussions in both research and medical communities. Through this model, the research team was able to more precisely establish the repair mechanism by which stem cells work in neural tissue regeneration and neuroprotection than was previously known. “The takeaway from this work is that the injected stem cells led to cellular and tissue improvement,” West said. “Basically, if you have a stroke and you get this treatment, fewer neurons are going to die, and for stroke research that’s critically important.” The findings from the study, published in Nature’s Scientific Reports, suggest that there are peripherals of salvageable brain tissue that would benefit from cell-based restorative therapies after acute ischemic stroke. Specifically, iNSCs that naturally promote brain plasticity and recovery. In collaboration with Emory University and UGA’s College of Veterinary Medicine, the team’s work shows improved recovery in white matter, the “superhighways of connectivity” that connect key centers of the brain. This change in response to restorative therapy can be monitored using MRI imaging techniques. “From the MRI we learned of a recovery mechanism in that neural stem cell therapy improves white matter integrity,” said Baker. “We now have white matter tracts that allow for faster, more effective communication from one region in the brain to another after injury.” The research marks a major milestone and, while a long way from clinical use, it may speed stroke discoveries by providing a better, more predictive translational model. Researchers within the RBC are already using this model as a platform for future nanotechnology applications. “If we can replace lost brain tissue and neural systems that are basically gone from stroke, which would lead to functional improvement or functional independence like feeding yourself, getting yourself dressed and being able to move again, then we’ve met our long-term goals — but in the bigger picture what we’ve done is improve the quality of life,” said West. The study, “Induced Pluripotent Stem Cell-Derived Neural Stem Cell Therapy Enhances Recovery in an Ischemic Stroke Pig Model,” is available online at www.nature.com/articles/s41598-017-10406-x.The Regenerative Bioscience Center at the University of Georgia links researchers and resources collaborating in a wide range of disciplines to develop new cures for devastating diseases that affect animals and people. With its potential restorative powers, regenerative medicine could offer new ways of treating diseases for which there are currently no treatments — including heart disease, Parkinson’s, Alzheimer’s and stroke. For more information, see www.rbc.uga.edu.
Full article ($): U.S. Coal Sector Faces Reckoning What isn’t sustainable are the publicly traded coal powers built atop the recent China-driven commodity boom, and the corporate structures—headquarters, salaries, pensions—they maintained. FacebookTwitterLinkedInEmailPrint分享John W. Miller for the Wall Street Journal:Peabody Energy Corp. warned Wednesday that it could go bankrupt, signaling the end of an era for listed U.S. corporate coal companies, even as their mines continue to fuel a big chunk of the country’s power stations.A chapter 11 filing by St. Louis-based Peabody, the U.S.’s largest coal miner, would be the latest in a wave of bankruptcies to hit top American coal producers, including Arch Coal Inc., Alpha Natural Resources, Inc., Patriot Coal Corp. and Walter Energy, Inc.U.S. coal miners are wrestling with high debt levels, low energy prices, new environmental regulations, the decline of steel production, and the conversion of coal-fired power plants to use natural gas made abundant by shale drilling.The industry’s troubles come amid a larger political debate over the future of coal that has flared up in the presidential contest. Most Democrats, concerned about the effects of burning fossil fuels on the environment, advocate a switch to cleaner energy sources, while Republicans decry job losses in the coal sector that they predict would come from policies cutting carbon emissions. The industry’s setbacks have been especially damaging in the coal strongholds of Wyoming and Appalachia.To be sure, this isn’t the end for coal. Just under one- third of the U.S. grid is still powered by coal, and hundreds of mines are still profitable and operating. WSJ: U.S. Coal Sector Faces Reckoning
Australia’s ANZ bank to exit coal lending business by 2030 FacebookTwitterLinkedInEmailPrint分享Argus Media:Australian bank ANZ will exit all lending to companies with exposure to thermal coal either through extraction or power plants by 2030, as part of its new lending criteria to support the 2015 Paris climate agreement target of net-zero greenhouse gas (GHG) emissions by 2050.ANZ, which is one of four banks that dominate the banking sector in Australia, will no longer finance any firms that have more than 10pc of their total revenue from thermal coal activities, the bank said.The Melbourne-based bank will only lend to renewable projects and low-carbon gas projects by 2030 and will discuss with its customers that have more than 50pc of their revenue from thermal coal about diversification strategies by 2025. “We will cap limits to customers that do not meet this expectation and reduce our exposure over time,” ANZ said.The tightening of the lending criteria to the thermal coal industry follows ANZ’s previous stance unveiled last year of lending only to new customers that have less than 50pc of their revenue from thermal coal and not financing the construction of any new conventional coal-fired power plants. It also marks a shift from when the bank first unveiled its thermal coal lending policy in 2015, when it said it would consider financing new coal-fired power stations only if advanced technology and higher-quality thermal coal were used.ANZ was the last of Australia’s four largest banks to commit to exiting lending to thermal coal activities, with fellow Australian bank Westpac pledging to neither lend money nor invest in the thermal coal mining industry from 2030.Australia is the world’s second-largest exporter of thermal coal. The sector faces more headwinds now that Australia’s four largest banks will no longer lend for new thermal coal mine developments or expansions of existing mines. Australia’s three largest coal customers have also all committed to net-zero emissions by 2050 for Japan and South Korea and 2060 for China. These three countries took around three-quarters of Australia’s thermal coal exports in calendar 2019.[Kevin Morrison]More: Australian bank ANZ to exit all coal lending by 2030