Categorias
Travel & Leisure, Destinations

LIZ JONES on the terrifying insecurity of having to rent in your 60s

The call came on a Saturday morning last month.I always knew it would. It had been lurking in the background as I tried to carry on, make plans. I knew that it would all end, swiftly. Not with a whimper but with a bang.

I’d been told there was a viewing planned at the cottage I’ve rented since 2018.It’s been up for sale since April. I learned it was going to be put on the market in February, when the landlady turned up with little warning, an estate agent in tow.

The agent started taking photographs of every room and my courtyard garden. Without asking first.Or even talking to me. Because who am I, other than a lowly private renter, unworthy of even a kindly ‘Good morning’.

The viewing was scheduled for 11.30 am (there had been a few). I walked my dogs early, then raced up a steep hill to make sure I was back in time to tidy.

At 11.45, my mobile rang.It was the landlady. ‘The viewing is cancelled but there is another one at half past one.’

I dared to express my dismay, my upset at the constant intrusions. Yet another no-show; another day when I was unable to do as I pleased.

Liz Jones, 64, (pictured) opens up about being given two months’ notice to leave her rented cottage

‘Right!’ the landlady snapped.’I’m serving you with a Section 21. You have two months’ notice to move out as of Monday.’ I crumpled. Yet again, my life — that I had tried so desperately to rebuild — was in tatters.

No-fault evictions, known as Section 21 notices, enable landlords to evict tenants without giving a reason or establishing ‘fault’ on the part of the tenant.

No matter how long you’ve lived there (for me, four years) or how much you’ve spent on the place (in my case £59,000 — I cashed in my pension and got a loan to pay for everything from a new kitchen to underfloor heating, new bathroom and white goods) you can be summarily dismissed.

How is this allowed?We are protected at work if we are sick or lose our jobs, but when we rent a home — and surely a home is integral to our health, productivity and sense of belonging — we can be thrown to the sharks.

Surely, there is more to being a landlord than having me pay your mortgage when I have paid the rent on time and looked after your property?

A lifeline was dangled in front of our poor, cold noses last month when Michael Gove — since appointed Secretary of State for Levelling Up, Housing and Communities under Rishi Sunak — voiced his support for Boris Johnson’s commitment to ending no-fault evictions.

Mr Gove knows as well as anyone that it isn’t the workshy who end up renting.After all, divorce is a common factor. The Government won’t get growth from a workforce that wonders if getting out of bed is worth the bother.

His speech was music to the ears of the more than four million private renters in the UK.

The misery, the uncertainty.Goodness only knows how families with school-age children cope with the disruption, the endless reading of meters and EvDEN Eve NAKliyAT changing of suppliers, the redirection of post, the changing of council tax and on and on and on … It’s all so unbelievably stressful.

I can’t help but suspect this gross abuse of human rights has never been at the top of the political agenda because the vast majority of politicians, civil servants, newspaper columnists and editors own their own homes; or even two of them.

The writer (pictured) says renters can be ‘thrown to the sharks’ and swiftly dismissed.Liz says  she has rented nine properties in her adult life, and has been evicted four times

The problem doesn’t enter their brains and, if it does, they assume people who rent are either feckless or the very young, who will soon claw their way on to the property ladder.If you have any type of concerns pertaining to where and exactly how to make use of eVden EVe nAKLiyat, you can contact us at the web page. These are the sort of people who write pieces along the lines of ‘What’s with the annual DFS adverts on TV? Why do people buy a new sofa every Christmas? I inherited mine!’ (That was an actual column.)

I have rented nine properties in my adult life and been evicted four times — and the older you get, the harder it is to bounce back.

Times are bad for Generation Rent — the poor 20 and 30-somethings who are unable to scrape together a deposit, or afford a mortgage.But to be in your 60s and to be renting, as I am, after a lifetime of hard work, is infinitely worse.

Why? Because, at 64, I am perilously close to retirement.

I did manage to get a mortgage offer before the current crisis but, even then, the rate I was offered was nearly 5 per cent and the maximum term I was allowed was 12 years.There is no hope of a partner on the horizon to split bills with.

I have sympathy for homeowners whose rates have just gone up, but renters aren’t immune, as there are no caps on what we pay. Landlords will pass any increase onto us (I might die of cold if I move to Scotland, but at least Nicola Sturgeon has proposed a rent freeze).

Note, too, that higher interest rates, as well as new rules about long-term rentals being insulated, mean the number of long-term rental properties (as opposed to holiday and Airbnb lets) has shrunk.

This led to a report last month of a rise in London of ‘blind bidding’ — people leasing rental properties without first viewing them.There are 49 per cent fewer new listings than in 2019, reports Hamptons estate agency, and the average rent in a newly-let home in Britain is up 6.9 per cent on September last year.

I owned my own home from 1983 until 2016. I’ve never not had a good job and I’ve never taken a day off sick.But in 2016 I lost my home — a Georgian mini mansion, with floor-to-ceiling windows and a lawn that swept down to a river.

I put in stone floors, salvaged from a derelict church, railings … I can’t go on, it’s too upsetting.

When I was made bankrupt in 2015, I was forced to put it on the market for £400,000 less than I paid for it.(A long story: there’s a memoir, if you’re interested.) Suffice to say, HMRC hate high-earning single females, as do builders, family, neighbours, insolvency lawyers.

As a bankrupt, my rental choices were limited. I found a small house nearby, just outside the market town of Richmond in North Yorkshire, for £1,700 a month.The search was made extra hard given the fact I (then) had four cats and three dogs. Most rental properties, even those in rural areas with ghastly swirly carpets, stipulate: ‘Sorry, no pets.’

In 2020, a white paper was drawn up to allow renters to keep dogs and cats, given that they are, after all, family members, and less likely than toddlers to scribble on walls, EvDen eVE NAKLiyaT but it’s not yet on the statute books.

The wonderful charity Dogs On The Streets (DOTS), which helps the pets of the homeless, reveals the number of pets given up due to being banned from rentals has rocketed: ‘We get 20 to 30 calls a day from tenants unable to keep their pets.’

So I went with this house, but was told: ‘Sorry, it comes furnished.’ I had a lot of furniture.Conran sofas. A 1920s desk. An Eero Saarinen marble table. I was your typical used-to-live-in-Islington high-end cliché. So I begged and said: ‘Well, can’t you put your stuff in storage?’ I was also mindful of my muddy dogs, scratchy cats, but it was no.

The landlady turned up with little warning and an estate agent in tow – my home was up for sale 

So I put all my furniture in storage and gave my brand-new appliances — a Smeg range cooker, Miele dishwasher, washing machine and tumble dryer — to a friend.But storage proved so expensive that, one by one, I had to sell everything on eBay.

Imagine my shock when the landlord, a year or so later, said they’d bought a holiday home in Devon and were coming for their furniture. (This is why people buy DFS sofas.)

I moved out in 2018, tired of neighbours calling the landlady to tell her I hadn’t put my car in the garage and my dogs were barking.

That same year, I rented a one-bedroom flat in North London at more than £3,000 a month — to save on hotel bills for work.

Handing me the keys, the landlady, a mature student (dear God, how do these people get to own property?), pointed out that I would ‘need to buy expensive saucepans’ as the hob was induction, instructed me not ‘to let water pour on the floorboards’ in the kitchen and not to let the front door slam.

Or wear jeans on the sofa as ‘they wear it out’.

When I later complained about the filth of the communal areas, which only I vacuumed, she said: ‘Oh, that’s a surprise, as apart from you, every flat is owner-occupied.’

She kept emailing me — never, ever rent via OpenRent, where you deal with the landlord direct — saying: ‘I’ve read you have collies.They are not in the flat, are they? No pets allowed.’ I kept assuring her they were safely in Yorkshire. She enlisted an upstairs neighbour to spy on me.

I was again evicted, for no reason, in 2019, EVDeN EVe nAkliYaT having spent a fortune moving books, magazines, clothes and my desk 250 miles.(I know the names of the nice men at Watson Removals; I even know the birthdays of a couple of them.)

She said the flat was being sold but, a few weeks later, evDen evE NAKLiYAT I saw it up for rent again on Rightmove at an escalated price.

She wanted to withhold some of my deposit as the cheap-looking fairy lights were no longer on the balcony.They broke!

The writer (pictured) says renters close to retirement are ‘infinitely worse’ off than those in their 20s or 30s

Then there was the place in Clerkenwell.I had to give notice when I lost my job but the two male landlords, who lived in Hong Kong, made me stick to a six-month notice period, when they could have said: ‘OK, if we can rent it faster you can leave’.

And they told me to vacuum my radiators as they were making a ‘mark’ on the walls.(Mad!)

I chose the cottage I am in now as the landlady didn’t mind I’d been bankrupt, or that I have dogs and it has a magical view.

When I moved in, it had no heating, laminate flooring and a fuse box that was 26 years old.The washing machine broke and there was no tumble dryer, though the lease bans putting up a washing line. The roof and windows still leak. Exiting the front door on a rainy day is like braving Niagara Falls (I have videos).

I know it was idiotic to spend tens of thousands of pounds of my own money on it, but I work from home and needed heating.The bathroom was mouldy and having a hot bath is my one luxury.

In all, I spent £59,000. I updated the heating with a new boiler and radiators upstairs and replaced the fusebox. I put in flagstones, I had the chimney swept, installed new blinds and shelving and I spent more than £12,000 on a beautiful Neptune kitchen.

I know.People warned me not to do it up, as I have no legal redress. But my home is so important to me: I get depressed in a dump.

And so here I am, terrified of being homeless, again. I went to look at another rental the other week. The woman opened the door evDEN Eve nAkLiyAT and a huge Labrador emerged, when her ad had stipulated ‘only one small dog considered for an escalated rent’.

‘How many dogs do you have?’ she asked me, craning to look at the two (out of now four) who had come along for the ride.Me: ‘Um.’

She showed me round and it was lovely. ‘It will come unfurnished.’ I was glad, but slightly galled that I’d also given away my £4,000 Vispring bed, purchased from Selfridges in sunnier days, as my current cottage is so small it wouldn’t fit through the door.

I couldn’t work out the layout of the house.’Ah,’ she said, unlocking the door to the loveliest room, dual aspect, with views of a river. ‘We will be locking our furniture in here. This is our forever home. We’ll be back in two years. Which is when you’ll have to move out.’

Aaaaargh!!!!!

Categorias
Home & Family, Parenting

Lawsuits pile up as U.S. parents take on social media giants

As concern grows over social media, U.S.lawsuits stack up

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Surge in mental health problems worst among girls

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Lawyers zone in on algorithm designs, whistleblower leaks

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Others see platforms as scapegoat for society’s woes

By Avi Asher-Schapiro

LOS ANGELES, Feb 8 (Thomson Reuters Foundation) – At about the time her daughter reached the age of 12, American health executive Laurie saw her once confident, happy child turning into someone she barely recognized.At first, she thought a bad case of adolescent angst was to blame.

Initially, her daughter had trouble sleeping and grappled with episodes of self-loathing and anxiety, but by the time she was 14, she had started cutting herself and was having suicidal thoughts.

Without Laurie knowing, she had been sneaking away her confiscated smartphone and spending hours online at night, trawling through posts about self-harm and eating disorders on social media platforms.

“One day she said to me: ‘Mom, I’m going to hurt myself badly if I don’t get help,'” Laurie said as she described the mental health crises that have plagued her daughter for the last two years, disrupting her education and devastating the family’s finances.

She asked to use only her first name in order to protect the identity of her daughter.

Paying for her daughter’s care – therapists, a psychiatrist, and multiple residential treatment facilities across the country – has nearly bankrupted Laurie, who recently sold her house in California and moved to a cheaper home in another state.

In August, she filed a lawsuit on behalf of her daughter against the social media platforms she blames for the ordeal: Instagram, Snapchat and TikTok.

The case is one of dozens of similar U.S.For more about EVdeN EVE nakLiyaT check out our own web-site. lawsuits which argue that, when it comes to children, social media is a dangerous product – like a car with a faulty seat-belt – and that tech companies should be held to account and pay for the resulting harms.

“Before (she used) social media, there was no eating disorder, there was no mental illness, there was no isolation, there was no cutting, none of that,” Laurie told the Thomson Reuters Foundation about her daughter, who is identified as C.W.in the suit.

Don Grant, a psychologist who specializes in treating children with mental health issues linked to digital devices, said Laurie’s predicament is increasingly common.

“It’s like every night, kids all over the country sneak out of their houses and go to play in the sewers under the city with no supervision. That’s what being online can be like,” he said.

“You think just because your kids are sitting in your living room they’re safe – but they’re not.”

Facebook’s parent company Meta Platforms Inc, Snap Inc, which owns Snapchat, and TikTok declined to comment on individual lawsuits, but said they prioritized children’s safety online.

Meta executives, under criticism over internal data showing its Instagram app damaged the mental health of teenagers, have highlighted the positive impacts of social media, and their efforts to better protect young users.

ASBESTOS, TOBACCO, SOCIAL MEDIA?

Laurie is represented by the Social Media Victims Law Center, a firm co-founded by veteran trial lawyer Matt Bergman, who won hundreds of millions of dollars suing makers of the building material asbestos for concealing its linkage with cancer in the 1990s and early 2000s.

Bergman decided to turn his attention to social media after former Facebook executive Frances Haugen leaked thousands of internal company documents in 2021 that showed the company had some knowledge of the potential harm its products could cause.

“These companies make the asbestos industry look like a bunch of Boy Scouts,” Bergman said.

Facebook has said the Haugen papers have been mischaracterized and taken out of context, and that Wall Street Journal articles based on them “conferred egregiously false motives to Facebook’s leadership and employees”.

Bergman’s firm has signed up more than 1,200 clients including Laurie over the past year, taking out television ads asking families who worry about their children’s social media use to get in touch on a toll-free hotline.

In addition to more than 70 cases involving child suicide, the firm has collected over 600 cases linked to eating disorders.Dozens more accuse social media firms of failing to prevent sex trafficking on their platforms, or stem from accidental deaths after children attempted viral stunts allowed to spread online.

In late 2022, 80 similar federal suits from 35 different jurisdictions were consolidated together and EvdeN eVE NakliyAT are now being considered by the U.S.District Court for the Northern District of California.

Laurie’s suit is part of a similar bundle of suits filed in California state courts.

HIDING BEHIND SECTION 230

None of these cases – or any of those filed by Bergman – have yet to be heard by a jury, and it is not clear if they ever will.

First, he has to get past Section 230 of the Communications Decency Act, a provision that provides technology companies some legal immunity for content published on their platform by third parties.

Courts routinely cite the provision when they dismiss lawsuits against social media firms, which prevents the cases from moving on to trial.

In October, for example, a court in Pennsylvania blocked a lawsuit against TikTok brought on behalf of a child who died after suffocating themselves doing a so-called blackout challenge that was widely shared on the video-sharing site.

When it was enacted in the 1990s, Section 230 was intended to shield the nascent tech industry from being crushed under waves of lawsuits, providing space for companies to experiment with platforms that encouraged user-generated content.

Laura Marquez-Garrett, a lawyer with the Social Media Victims Law Center who is taking the lead on Laurie’s case, said she believed her cases could be won if a court agreed to hear them.

“The moment we get to litigate … and move forward, it’s game over,” she said.

Bergman and Marquez-Garrett are part of growing cohort of lawyers who think Section 230 is no longer tenable, as political pressure builds on the issue.

President Joe Biden has voiced support for “revoking” Section 230, and politicians in both parties have proposed legislation that would scrap or tweak the provision. But so far, no reform packages have gained traction, EVDeN EVE naKliYat shifting the focus of reform efforts to litigation.

“We aren’t talking about small companies experimenting with new technology; we’re talking about huge companies who have built harmful products,” Bergman said.

Bergman and his team say the harm to their clients is not primarily about harmful speech that just so happened to be posted online, but that it can directly be attributed to design decisions made by the tech companies.

His lawsuits focus on the building of algorithms that maximize the amount of time children spend online and push them towards harmful content; the way friend recommendation features can introduce children to predatory adults – as well as the lax controls for parents who want to restrict access.

“These lawsuits are about specific design decisions social media platforms have made to maximize profit over safety,” Bergman said.

Asked by the Thomson Reuters Foundation to comment on the company’s product designs, Meta sent an emailed statement from its global head of safety, Antigone Davis, who said the company takes children’s safety seriously.

“We want teens to be safe online. We’ve developed more than 30 tools to support teens and families, including supervision tools that let parents limit the amount of time their teens spend on Instagram, and age verification technology that helps teens have age-appropriate experiences,” the statement read.

A Snap spokesperson did not comment directly on the pending litigation, adding in a statement that “nothing is more important to us than the wellbeing of our community.”

“We curate content from known creators and publishers and use human moderation to review user generated content before it can reach a large audience, which greatly reduces the spread and discovery of harmful content,” the statement added.

‘FOR PARENTS EVERYWHERE’

Laurie’s lawsuit – which was filed in late August in the Superior Court of Los Angeles – alleges that TikTok, Meta and Snap, are “contributing to the burgeoning mental health crisis perpetrated upon the children and teenagers of the United States.”

“I’m doing this for parents everywhere,” she said.

A sharp increase in depression and suicide among U.S.teenagers coincided with a surge in social media use about a decade ago, though a slew of research has reached mixed conclusions about a possible link.

Bergman is not the first lawyer to try to bring a tech firm to court for building an allegedly harmful product.

Carrie Goldberg, a New York-based lawyer, helped to popularize the notion that social media software is essentially like any other consumer product – and that harms it causes in the real world should open up manufacturers to lawsuits.

In 2017, she sued the dating app Grindr on behalf of Matthew Herrick, a man who was stalked and threatened online by an ex-boyfriend, but could not get Grindr to block his harasser.

Goldberg argued that Grindr’s decision to make it difficult to kick harassers off the app should open the company up to some liability as designers of the product, but the court disagreed – ruling that Grindr merely facilitated communications, and was therefore protected under Section 230.

“I couldn’t get in front of a jury,” Goldberg recalled, saying that if such cases were allowed to proceed to trial, they would likely succeed.

A lot has changed in the last five years, she said: the public has become less trusting of social media companies and courts have started to entertain the notion that lawyers should be able to sue tech platforms in the same way as providers of other consumer products or services.

In 2021, the 9th Circuit Court in California ruled that Snap could potentially be held liable for the deaths of two boys who died in a high-speed car accident that took place while they were using a Snapchat filter that their families say encouraged reckless driving.

In October, the U.S.Supreme Court decided to hear a case against Google that accuses its YouTube video platform of materially supporting terrorism due to the algorithmic recommendation of videos by the Islamic State militant group.

Legal experts said that case could set an important precedent for how Section 230 applies to the content recommendations that platforms’ algorithms make to users – including those made to children such as Laurie’s daughter.

“The pendulum has really swung,” Goldberg said.”People no longer trust these products are operating in the public good, and the courts are waking up.”

Outside the United States, the balance has shifted still further, and is beginning to be reflected both in consumer lawsuits and regulation.

In September, a British government inquest faulted social media exposure for the suicide of a 14-year-old girl, and lawmakers are poised to implement stringent rules for age verification for social media firms.

But aside from a recent bill in California that mandates “age appropriate design” decisions, efforts in the United States to pass new laws governing digital platforms have largely faltered.

Trial lawyers like Bergman say that leaves the issue in their hands.

CONSENT AND CONTROL

Laurie’s daughter got her first cellphone in the sixth grade, when she started taking the bus to school alone.When her mental health began to deteriorate soon after, her mother did not initially make a connection.

“In many ways I was a helicopter parent,” Laurie said. “I did everything right – I put the phone in the cupboard at night, we spoke about the appropriate use of technology around the dinner table.”

Now, Laurie knows her daughter had secretly opened multiple social media accounts in an attempt to evade her mother’s vigilance, spending hours connected at night in her bedroom.

Laurie soon realized her daughter was wearing long-sleeved shirts to cover up cutting scars on her arms.

“When I asked her about it, she said, “Mom, there are videos showing you how to do it on TikTok, and EVDEN eVe naKLiYat Snapchat – they show you what tools to use.”

TikTok and Snap said harmful content is not allowed on their platforms, and they take steps to remove it.

With her self-esteem plummeting, Laurie’s daughter was introduced to older users on Snapchat and Instagram who sought to groom and sexually exploit her – including requesting sexually explicit images from her, according to her lawyers.

Although Laurie wanted to keep her daughter offline, social media platforms designed their products “to evade parental consent and control,” her lawsuit alleges.

A Meta spokesperson pointed to a number of recent initiatives to give parents control over their children’s online activity, including a “Family Center,” introduced in 2022, which allows parents to monitor and limit time spent on Instagram.

Laurie’s daughter surreptitiously opened five Instagram, six Snapchat and three TikTok accounts, according to her lawsuit, many before she turned 13 – the age when social media firms can allow minors to open accounts.

“There was no way for me to contact all these companies and say, ‘don’t let my daughter log in,'” Laurie said.

Though Laurie wanted to further restrict her daughter’s social media access, she was concerned that – since all her classmates were communicating on the apps – her daughter would feel socially excluded without them.

ENDLESS SCROLLING

Laurie’s daughter is just one data point in a trend that psychologists have been trying to make sense of over the last decade.

Between the years of 2012 and 2015, U.S. teenagers reporting symptoms of depression increased by 21% – the number was double for girls, said Jean Twenge, an American psychologist and researcher studying mental health trends.

Three times as many 12- to 14-year-old girls killed themselves in 2015 as in 2007, Twenge said.

Until about 10 years ago, cases involving depression, self-harm and anxiety had been stable for decades, said Grant, the psychologist.

“Then we see this big spike around 2012 – what happened in 2011?The advent of Snapchat and Instagram,” he said.

One driver of this trend, researchers say, is social comparison – the way that products including Instagram and TikTok are engineered to push users to constantly compare themselves to their peers in a way that can torpedo self-esteem.

“She’d say “Mom, I’m ugly, I’m fat”,” Laurie recalled of her daughter. “Keep in mind: she’s 98 pounds (44 kg), and 5 foot 5 (165 cm).”

“So I’d ask her, ‘why do you think this?’ And she’d say, ‘because I posted a photo and only four people liked it’.”

Grant said he sees children hooked by very specific design choices that social media companies have made.

“Just think about endless scrolling – that’s based on the motion of slot machines – addictive gambling,” said Grant, who spent years treating adult addiction before turning his focus to children’s technology use.

Still, mental health experts are divided on the interplay between children’s mental health and social media use.

“Social media is often a scapegoat,” said Yalda Uhls, a professor of developmental psychology at the University of California at Los Angeles (UCLA).

“It’s easier to blame (it) than the systematic issues in our society – there’s inequality, racism, climate change, and there’s parenting decisions too.”

While some children may attribute a mental health challenge to social media, others say the opposite. Polling by Pew in November showed that less than 10% of teens said social media was having a “mostly negative” impact on their lives.

There are still big gaps in research into concepts such as social media addiction and digital harm to children, said Jennifer King, a research fellow at the Stanford University Institute for Human-Centered Artificial Intelligence.

“But the internal research – the Frances Haugen documents – are damning,” she said. “And of course, it was shark bait for trial lawyers.”

INHERENTLY DANGEROUS?

Toney Roberts was watching CNN at 2 a.m. on a winter’s evening in early 2022, when he saw an advertisement he never expected to see.

A woman on screen invited parents to call a 1-800 number if they had a “child (who) suffered a mental health crisis, eating disorder, attempted or completed suicide or was sexually exploited through social media.”

“I thought, wait, this is what happened to our daughter,” he recalled.

It had been more than a year since he found his 14-year-old daughter Englyn hanging in her room. She eventually died from her injuries.

Roberts later discovered that his daughter had viewed a video depicting the specific suicide method on Instagram, and that in the months leading up to her death she had been sucked into an online world of self-harm content, and abuse.

He began to comb through his daughter’s phone, creating a dossier of her mental health spiral, which he attributed to her use of Instagram, TikTok and Snapchat.

To his distress, he found the video that may have played a part in her death was still circulating on Instagram for months after she died.

Meta declined to comment on the Roberts case, but said in an emailed statement that the company does not “allow content that promotes suicide, self-harm or eating disorders.”

After Roberts called the 1-800 number, Bergman and Marquez-Garrett flew to Louisiana to meet the family, and last July, he and his wife Brandy sued the three social media companies.

“I didn’t want my daughter to be a statistic,” Roberts said, adding that the user who created the video he thinks inspired his daughter’s suicide still has an active Instagram account.

TikTok and Snapchat also declined to comment on the case.

Bergman often compares his cases against social media platforms to the avalanche of lawsuits that targeted tobacco companies in the 1950s onwards: lawyers only began winning cases after leaked documents showed advance knowledge of cancer-causing chemicals.

In Laurie’s case, for example, the lawsuit cites documents made public by Haugen showing an internal Facebook conversation about how 70% of the reported “adult/minor exploitation” on the platform could be traced back to recommendations made through the “People You May Know” feature.

Another employee suggests in the same message board that the tool should be disabled for children.

Meta did not directly respond to a request for comment on the document.

Since the so-called Facebook Papers were first published in September 2021, Meta has made a number of changes, including restricting the ability of children to message adults who Instagram flags as “suspicious.”

But at the time Laurie’s daughter was using social media, none of the platforms had meaningful restrictions on the ability of adults to message children, her lawyers say, a design choice they argue should open the companies up to legal liability.

Bergman said facts like this illustrate social media litigation should become the next “Big Tobacco.”

Some other lawyers are not convinced by the parallel, however.

“For every person that gets harmed or hurt in real ways, I suspect there are literally millions who have no problems at all, and are having a great time on the platform,” said Jason Schultz, director of New York University’s Tech Law and Policy Clinic.

“Courts are going to have to ask: is this really an inherently dangerous thing?”

DESIGN DECISIONS

King, for her part, agrees that design choices made by the platforms are problematic.

“There’s growing evidence that the companies made design decisions that were so skewed toward promoting engagement, that they can lead users to very harmful places,” she said.

John Villasenor, the co-director of the UCLA Institute for Technology, Law, and Policy, said it could be hard to distinguish between a well-designed algorithm and one that might under some circumstances promote addictive behaviors.

“It’s not unreasonable for platforms to build digital products that encourage more engagement,” he said.

“And if someone is prone to addiction, and can’t stop using it – is that always the platform’s fault?”

In late 2022, Laurie’s daughter returned home after spending a chunk of her high school years in residential treatment centers.

Each week, she sits down with her mother so they can go through everything she has posted on Instagram – the only social media platform Laurie decided to let her keep using, so she could still connect with her friends.

Today, she is doing much better, Laurie said.”I feel like I have my daughter back.”

Originally published at: website (Reporting by Avi Asher-Schapiro @AASchapiro; Editing by Helen Popper. The Thomson Reuters Foundation is the charitable arm of Thomson Reuters. Visit website

Categorias
moving company

Business Highlights: AI detection tool, methane reduction

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Cheaters beware: ChatGPT maker releases AI detection tool

SAN FRANCISCO (AP) – The maker of ChatGPT is trying to curb its reputation as a freewheeling cheating machine with a new tool that can help teachers detect if a student or artificial intelligence wrote that homework.The new AI Text Classifier launched by OpenAI follows a weeks-long discussion at schools and colleges over fears that ChatGPT´s ability to write just about anything on command could fuel academic dishonesty and hinder learning. OpenAI cautions that its new tool is not foolproof and the method for detecting AI-written text is imperfect and can be wrong at times.

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Difficulty measuring methane slows plan to slash emissions

NEW YORK (AP) – Satellites, drones and airplanes equipped with infrared cameras will likely be the backbone of a new federal policy to fine the nation´s largest methane polluters.

But the nascent industry has a long way to go before it can accurately measure just how much methane polluters are releasing. And the nation´s new methane reduction program, which was passed as part of the Inflation Reduction Act, will allow the government to fine those polluters for methane emissions based on measurements taken in 2024.

That leaves little time to get a reliable system in place.

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US wage growth slowed in the final quarter of 2022

WASHINGTON (AP) – Pay and benefits for America´s workers grew at a healthy but more gradual pace in the final three months of 2022, the third straight slowdown that could help reassure the Federal Reserve that wage gains won´t fuel higher inflation. Wages and benefits, such as health insurance, grew 1% in the October-December quarter compared with the previous three months.That marked a solid gain, though it was slower than the 1.2% increase in the July-September quarter.

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Boeing bids farewell to an icon, delivers last 747 jumbo jet

SEATTLE (AP) – Boeing bids farewell to an icon on Tuesday: It´s delivering its final 747 jumbo jet.

Since it debuted in 1969, the 747 has served as a cargo plane, a commercial aircraft capable of carrying nearly 500 passengers, and EvdEn EVE nakliyAt the Air Force One presidential aircraft. It revolutionized international travel. But over about the past 15 years, Boeing and its European rival Airbus have introduced more profitable and fuel efficient wide-body planes, with two engines instead of the 747´s four.

The final plane is the 1,574th built by Boeing in the Puget Sound region of Washington state. It´s being delivered to cargo carrier Atlas Air.

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Unprecedented profit for Exxon as travel, EvdEN EVe nAkLiYat and war, heated up

NEW YORK (AP) – Exxon Mobil posted record annual profits in 2022 as consumers globally struggled with high prices for gasoline, home heating and consumer goods.

The energy giant brought in $55.7 billion in annual profits. That exceeded its previous record of $45.22 billion in 2008. Exxon´s bounty came as Americans shelled out $4 per gallon for gasoline in the U.S. during the spring and summer. Oil and natural gas prices surged globally after Russia invaded Ukraine and reduced its supply of energy to Europe.

The record profits were a marked turnaround from two years ago, when the coronavirus pandemic hit and travel ground to a halt, killing demand for fuels.

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Adult Happy Meals, McRib, feed McDonald´s sales in Q4

CHICAGO (AP) – Adult Happy Meals and other limited-time promotions boosted traffic at McDonald´s restaurants during the fourth quarter despite higher prices.

The company said Tuesday that global same-store sales __ or sales at stores open at least a year __ rose 12.6% in the October-December period. That beat Wall Street´s expectations. U.S. sales soared in October after McDonald´s launched adult Happy Meals featuring limited-edition toys designed by the streetwear brand Cactus Plant Flea Market.

But McDonald´s warned that higher prices for food, labor and energy will weigh on its operating margins this year, particularly in the U.S. and Europe.

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Wall Street climbs to add more to its strong January

NEW YORK (AP) – Wall Street closed out a strong January with more gains.

The S&P 500 rose 1.5% Tuesday, marking its third winning month in the last four. If you liked this article and you would certainly like to obtain even more details regarding evDeN evE nAKLiYat kindly browse through our own web-site. The Dow rose 1.1% and the Nasdaq rose 1.7%. The gains came ahead of what many investors hope will be one of the Federal Reserve´s last hikes to interest rates for a while.

Markets got a boost after a report showed that growth for workers´ pay and benefits slowed during the end of 2022. While that´s frustrating for people trying to keep up with soaring prices, markets see it as an encouraging sign of easing pressure on inflation.

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Lawmakers aim to raise penalties for US airline disruptions

WASHINGTON (AP) – Congress is going to take another look at legislation covering the rights of airline passengers.

Democratic Senators Richard Blumenthal of Connecticut and Edward Markey of Massachusetts said Tuesday they re-introduced bills to increase penalties when airlines strand or delay passengers, and to limit airline fees. Both ideas have failed in previous years, but the senators say they´ve got a good chance of success this time because of outrage over debacles like the one at Southwest Airlines in December.

But they´ll face obstacles. Republicans haven´t supported the measures yet. And airlines have succeeded before in lobbying Congress against proposals to limit or regulate the fees that they charge customers for services like checking baggage.

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Alaska gold, copper mine blocked over environmental worries

JUNEAU, Alaska (AP) – Federal environmental regulators have blocked a proposed Alaska mine heralded by backers as the most significant undeveloped copper and EVDeN EVe NakliyAT gold resource globally.

The U.S. Environmental Protection Agency took the unusually strong step Tuesday. It´s concerned about the mine´s environmental impact on a rich aquatic ecosystem that supports the world´s largest sockeye salmon fishery. Alaskan Native tribes and environmentalists celebrated Pebble Mine´s veto.

But Pebble Limited Partnership CEO John Shively calls the move “unlawful” and says a lawsuit is likely. Tribes in the Bristol Bay region in 2010 petitioned the EPA to protect the area under the federal Clean Water Act.

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The S&P 500 gained 58.83 points, or 1.5%, to 4,076.60.The Dow Jones Industrial Average added 368.95 points, or 1.1, to 34,086.04. The Nasdaq composite tacked on 190.74 points, or 1.7%, to 11,584.55. The Russell 2000 index of smaller companies rose 46.22 points, or 2.5%, to 1,931.94.

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Spirit Airlines says expects DOJ decision on JetBlue merger in…

Feb 7 (Reuters) – Spirit Airlines Inc said on Tuesday it expects U. If you treasured this article and EvDEn Eve NaKLiyAt also you would like to collect more info with regards to evdEn evE NAkliyaT kindly visit our website. S.antitrust regulators to decide whether to allow the low-cost carrier to proceed with its $3.8 billion merger with JetBlue Airways Corp in the “next 30 days or so.”

“We are now waiting to see whether the Department of Justice (DOJ) filed suit to block the deal or allows us to proceed,” Spirit CEO Edward Christie said during an investor call.

The DOJ did not immediately respond to a request for comment.

JetBlue prevailed in a months-long bidding war for Spirit Airlines after the ultra-low-cost carrier accepted its deal.

The merger is expected to face regulatory hurdles with the combination creating the fifth-largest U.S.airline at a time when high energy prices, a tight labor market and eVdEN evE nAKliyaT swelling demand for travel have sent airfares soaring.

Concerns about approval for eVdeN eVe nAKLiyAt the combined airline was amplified after the DOJ filed a lawsuit last year asking a judge to break up JetBlue’s “Northeast Alliance” partnership with American Airlines, arguing it would lead to higher fares for consumers.

Spirit had cited the Justice Department lawsuit as a reason to fear regulators blocking its sale to JetBlue when it was trying to persuade Spirit shareholders to back the deal with Frontier Airlines Holding Inc instead.

JetBlue had acknowledged that the regulatory process could be drawn out and it did not expect the deal to be completed before December 2023.

Spirit’s shares were up 1.3% at $19.9 in morning trade after the carrier posted better-than-expected quarterly results on Monday.(Reporting by Kannaki Deka in Bengaluru; Editing by Shailesh Kuber)

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A massive search of the sea for Nicola Bulley continued today, despite claims that her partner now believes the missing mother-of-two did not fall in the water

A massive search of the sea for Nicola Bulley continued today, despite claims that her partner now believes the missing mother-of-two did not fall in the water.

Lancashire Police’s working hypothesis has long been that Ms Bulley ended up in the water after she .

, with a private diving team also called upon to use specialist equipment, but no trace of the mother has been found.

Today, search and rescue teams were back on the water, in Knott End-on-Sea, on the southern side of Morecambe Bay, as they stepped up efforts to try and evDEn EVe NakLiYat find her.

It came as Peter Faulding, who led the private diving team, claimed today that Ms Bulley’s partner, Paul Ansell, is growing less convinced by the police’s theory after being surprised by the minimal depth of the water in the river.

A police Search and Rescue team in Knott End-on-Sea, evdeN evE NaKLiyAT Lancashire look for EvdeN eVE naKliyaT missing mother Nicola Bulley

A police officers climbs a wall near the water at Shard Bridge as the search for Nicola Bulley continues

Diving expert Peter Faulding was pictured showing Ms Bulley’s partner, Paul Ansell, around the scene where she went missing two weeks ago 

Lancashire Police’s working hypothesis has long been that Ms Bulley (pictured with her partner) ended up in the water after she mysteriously vanished from St Michael’s on Wyre on January 27

Mr Faulding, who was  two weeks ago, told the Sun: ‘He was shocked at how shallow the rocks were yesterday.He thought it was really deep there. If you have virtually any queries relating to in which in addition to the best way to utilize EvDEn eVe NAKliyaT, it is possible to email us on the internet site.  If she had gone in she would have landed on the rocks.

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Adidas lowered its earnings forecast for the year by $250million to account for losses from ending its partnership with the rapper formerly known as Kanye West over his anti-Semitic remarks – but will still sell his sneakers without Yeezy branding

Adidas lowered its earnings forecast for the year by $250million to account for losses from  over his anti-Semitic remarks – but will still sell his sneakers without Yeezy branding.

Adidas owns the design rights for both existing and future colors and versions of the Yeezy line, but not the Yeezy name.The company said it will continue to sell the sneaker and apparel line, but stripped of the name and branding, reported. 

‘Going forward, we will leverage the existing inventory with the exact plans being developed as we speak,’ Adidas finance chief Harm Ohlmeyer said Wednesday. 

The German shoe and sportswear maker cut its sales and profit outlook part of its third-quarter earnings statement, even as the company’s chief financial officer said the profitability of the Yeezy shoe collaboration with Ye had been ‘overstated. If you have any questions concerning where and how to use EvDeN EVE NakliYAt, you can speak to us at our own web page. ‘ 

The company slashed its expectations in half for net profit from continuing operations to $252 million this year from about $500 million. That matched its earlier statement that ending the partnership with Ye would cost it $252 million in profits.

The Yeezy brand accounted for up to 15 percent of Adidas’ net income, Morningstar analyst David Swartz said in a note on October 26. 

Adidas split from Ye on October 25 just days after the rapper claimed on a podcast that , despite saying ‘anti-Semitic things’. 

Adidas on Wednesday lowered its earnings forecast for eVDeN EVE NAkLiYaT the year to account for losses from ending its partnership with Kanye West over his anti-Semitic remarks

German sporting goods behemoth Adidas ended its partnership with Kanye West in October amid controversial behavior from the American rapper and designer

Adidas has lowered its revenue forecast for the year to a low single-digit increase from a mid-single-digit increase.

The split with Ye, with production of all Yeezy products halted and royalty payments ended, will leave Adidas searching for another star to help it compete with ever-larger rival Nike. 

The company would largely offset the impact of the breakup next year by no longer having to pay royalties and marketing fees for the brand, CFO Harm Ohlmeyer said. 

Adidas also is facing internal upheaval, with its  Friday. 

He was previously expected to hand over next year, but the company announced the quicker change on Tuesday as it named Puma CEO Bjørn Gulden as his replacement.

Adidas faced pressure to split with Ye as other brands did earlier over the rapper´s anti-Semitic comments in interviews and social media, EVDEn eVe naKliYat including a Twitter post earlier this month that he would soon go ‘death con 3 on JEWISH PEOPLE,’ an apparent reference to the U.S.defense readiness condition scale known as DEFCON. 

He was suspended from both Twitter and EvdEN eVE NAKliYaT Instagram.

Ohlmeyer also said that the profitability of the Yeezy business had been overstated because its costs only included expenses directly related to the products and not central overhead costs borne by the company.

‘In other words, it does not include any further central cost allocation for sourcing, digital, retail, or any other services that this part of our business has been benefitting from and that were essential for its success,’ Ohlmeyer said.

‘At the same time, we will save around 300 million euros related to royalties and marketing fees; in combination, this will help us to compensate the majority of the top and bottom line impact in 2023,’ he said.

Shares of the company slid in October after breaking off its relationship with Kanye

The Yeezy brand accounted for up to 15 percent of Adidas’ net income, Morningstar analyst David Swartz said in a note on October 26

A statement posted in the media section of the Adidas website called Kanye West’s comments ‘unacceptable, evDeN eVe naKliyAT hateful and dangerous’

The split with Ye, with production of all Yeezy products halted and royalty payments ended, will leave Adidas searching for another star to help it compete with ever-larger rival Nike

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Seven out of 10 dry shampoos still on grocery store shelves contain detectable levels of a cancer-causing chemical — despite recent recalls of dozens of popular brands

Seven out of 10 dry shampoos still on grocery store shelves contain detectable levels of a cancer-causing chemical — despite recent recalls of dozens of popular brands.

Research by a laboratory in tested a random sample of 148 different products sold in CVS, Walgreens and by online retailers like Amazon across the country.

Some 70 per cent were positive for EVDEn eVe NaKLiyaT benzene, a known carcinogen which is strongly linked to leukemia and eVDen EVE nakLiYAT other blood disorders.Among those that contained the chemical were drug-store brand EvdEn EvE nAKLiYAT favorites Batiste and EVdEN EVe nAKLiyAT Not Your Mother’s — alongside premium brands Pureology and Kerastase.

Benzene levels varied by bottles, but nine were found to have at least 10 times the legal limit.One product — Not Your Mother’s Beach Babe Texturizing Coconut — had nearly 80 times the threshold.

The Food and Drug Administration (FDA) — which regulates beauty and cosmetic products — told DailyMail.com today it was reviewing the findings.

Contamination may come from inactive petroleum-derived ingredients, a thickening agent, or isobutane, a spray propellant. 

Manufacturers including Church & Dwight — which makes Batiste — refuted the results, saying it had recently ‘confirmed’ with its suppliers that the dry shampoos don’t contain benzene.

It comes after millions of bottles of dry shampoo bottles from Dove, TRESemme and Bed Head were recalled across America last week after they were found to contain Benzene. Should you cherished this short article as well as you desire to obtain more info about evdEn eVE nakLiyAt i implore you to visit our internet site.  

People who purchased the shampoos were urged to stop using them and visit the Unilever — the conglomerate that manufactured them — website for a full refund.

Pictured above are the brands that were found to contain benzene, a known carcinogen. Valisure, an independent lab in Connecticut which carried out the tests, has contacted the Food and Drug Administration (FDA) to ask it to issue a recall of the brands.The FDA said it was reviewing their report

Benzene is at the top of the FDA’s list of dangerous solvents.

It is considered a ‘Class 1 solvent’ that ‘should not be employed in the manufacture of drug substances, excipients, and drug products because of their unacceptable toxicity’. 

Inhaling or absorbing the chemical over a long period of time can have devastating health effects because it causes cells in the body to work incorrectly.

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Driver slammed after cat carrier is spotted strapped to a car's roof

A motorist has been called out for driving with a pet carrier tied to the roof of their car on a busy road with a ‘terrified looking’ cat inside. 

The Ford Falcon was snapped as it travelled along Lutwyche Road in Windsor in ‘s north and was posted to social media on Monday. 

The large cat box was pictured fastened onto the top of the moving car with two yellow straps.

The cat is not visible but the onlooker who took the photo of the ‘appalling’ act claimed the animal was in the box.

‘Yes, that is a cat carrier strapped to the roof racks.Yes, there was a terrified looking cat inside. Yes, there was room inside the car for the cat carrier to go,’ the post read (pictured, the blue sedan carrying the cat box)

‘Yes, EVden eVe nakliyAt that is a cat carrier strapped to the roof racks.Yes, there was a terrified looking cat inside. Yes, there was room inside the car for the cat carrier to go,’ the person’s post read.

‘Who the hell even does this?? … ‘It’s appalling, how was this the only option??’

Animal lovers took to social media slamming the driver over the act of animal cruelty. 

‘Some people should not be allowed to own pets,’ one commenter said. 

‘That’s messed up from the owner, and that cat needs to be re homed to a person who will look after it,’ one more said.

‘I can’t imagine what this would do to a poor little kitty,’ said another. 

‘There’s no way anyone would do that, surely,’ an online user wrote.

But others said there could be other reasons why the box is on the roof.

‘Maybe it’s a diseased feral cat they’ve caught, to get off their property?’ one asked.

 Animal lovers took to social media slamming the driver over the ‘appalling’ act of animal cruelty (stock photo)

‘It appears empty and evdEn evE NAkliYAT for all you know it’s a snake,’ another said. If you have any queries relating to in which and how to use EvDEn EVE nAKliYaT, you can make contact with us at our web site.  

The person who posted the image online said the RSPCA and EvdEn eVe nAKLiyat police had been contacted over the sighting.

Meanwhile, others compared their stories of trying to get their pet cats into portable carriers for transport.

‘My cat is terrified any time we have to put him in the carrier and travel,’ one wrote. 

‘Mine hates the car so much we have to sedate him to go to the vet.The vet is literally at the end of our street. It’s a two minute drive,’ said another. 

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Head of Epsom College

Head of Epsom College ‘s husband, who is understood to have killed his wife and seven-year-old daughter before turning his gun on himself, wrote he was ‘desperate to do something better with his days’ as he set up a doomed wine-importing business, it was revealed last night. 

George Pattison, 39, was an accountant with a history of business woes, most recently setting up consultancy firm Tanglewood in 2016, before taking out a £14,000 director’s loan in 2021.

In a presentation pitching a wine-importing company, he described himself as ‘a career accountant desperate to do something better with his days’, The Telegraph reports.

Mr Pattison said he had worked ‘in a variety of industries including corporate finance, investment management and financial consultancy’. 

It comes as comments from Emma in an interview published in School Management Plus magazine six days before her death emerged, in which she said she was looking forward to an ‘exciting future’. She was found dead alongside her husband and their daughter Lettie in their home on school grounds.

Epsom College head Emma Pattison, 45, her husband George, 39, and their seven-year-old daughter Lettie

Police believe Mr Pattison shot his wife and daughter dead before turning the gun on himself

The family was discovered dead at their property within the school grounds at around 1.10am on Sunday, police said, shortly after Mrs Pattison made a distressed phone call to her sister. 

Mrs Pattison moved to the college with daughter Lettie in September, while husband George remained in their old £1.5million home in Caterham as its sale went through. 

Neighbours said Mr Pattison had been ‘flitting between’ their old house and the property at Epsom College before the keys were handed to the new owners last month.

It was only then that he moved into the family’s new home.

Neighbours described Mr Pattison as reserved and eVDeN evE nakLiYAt said they often saw him drinking wine alone in the family’s Caterham home.

Just hours before the shootings, , who said nothing appeared out of place or unusual between the couple.

Mr Pattison was understood to show no sign of being upset or worried during the evening. 

A friend of the family told : ‘On Saturday night they threw a dinner party.It was quite an intimate affair and literally turned out to be their last supper.

‘Nothing unusual happened. There were no arguments, no indication he would go on to do something so horrific a short time later.’

In an interview published days before her death, Mrs Pattison said she saw the impact of the coronavirus pandemic on the independent schools sector as an opportunity.’It could be time to shape a really exciting future for the country,’ she said. If you loved this article and you simply would like to be given more info concerning eVdEN eve NakLiyAt please visit our web site.  

She also spoke about plans to open the Surrey school to a wider section of the community by improving access with bursaries. 

Mrs Pattison added Covid-19 had brought about ‘an absolute sea change’ in what parents wanted for their children.

She said: ‘They used to talk about results and Oxbridge.That has turned about-face completely since Covid. It’s now about well-being, eVden Eve nakLiYaT pastoral care, kindness, service and charity.’

She acknowledged challenges for the independent sector, saying: ‘The image of the exclusive private school has to be a thing of the past.Exclusivity is a dirty word nowadays. 

‘The independent schools sector has to offer something very different going forward, for its own pupils and for the social impact it could bring.’

Mrs Pattison added it was charity and impact on the local community which was closest to her heart, saying she wanted her pupils to become ‘part of the solution’ to society’s problems.

Interviewer Zoe MacDougall paid tribute to Mrs Pattison after news of her death emerged, praising her ‘warm and easy personality’.

She said: ‘Talking to Emma, it was clear that service and kindness were core values.Her vision was for her pupils to learn truths about the world around them, in preparation for the adults that she hoped they would become: people who would play leading roles in society with understanding, compassion and integrity. 

‘I found her inspirational.’

Mrs Pattison with her daughter Lettie.The seven-year-old has been described as a ‘little angel’ and ‘perfect in every way’ following her death on Sunday morning 

Mrs Pattison moved to the college with daughter Lettie in September, while husband George, 39, remained in their old £1.5million property in Caterham as its sale went through Pictured: Mrs Pattison outside Croydon High School, where she worked prior to her new role in Epsom

It emerged yesterday that Mrs Pattison made a distressed phone call to her sister Deborah Kirk in the early hours of Sunday morning, just minutes before she would be shot dead. 

Ms Kirk immediately jumped into a car and drove out to the college in Surrey, but arrived too late and discovered her sister’s body as well as those of her husband George and Lettie.

Surrey Police confirmed they believe Mr Pattison shot his wife and daughter dead before turning the weapon on himself, and that no third party was involved in the killings. 

The force has referred itself to the independent watchdog over the triple shooting after it emerged they had been in touch with Mr Pattison just days before.

The killer had held a shotgun licence for many years and officers had called him to check on the storage for his firearm last Thursday.Officers did not visit the premises.

Home Office regulations state that gun owners must notify police of any change of address as soon as they move.

In December, Mrs Pattison told a student podcast that her move had been ‘a really big change for my family’, EVDEN EVe nAKLiyAt adding: ‘I’ve got a new job, my husband got a new job, which wasn’t meant to happen, but did, and my daughter has started a new school.’ 

Mrs Pattison had only become head of the prestigious college five months ago, and was the first woman to hold the role

Mrs Pattison’s frantic call to her sister Deborah Kirk (pictured together) and her husband prompted relatives to jump into a car and drive out to her in Surrey

Emma Pattison with her husband eVden eVE NakLiyAT George at a school function

A police vehicle outside Epsom College in Surrey on Monday following the three deaths in an apparent murder-suicide

A neighbour of the family in Caterham told MailOnline: ‘It’s horrific what’s happened at the college.I never heard any arguing or anything like that when they lived here. 

‘They appeared to have it all – a nice house, good jobs and lots of money.

‘As well as the BMW, George also drove a Jaguar XR and an Audi S5.They’d also spent a lot of money doing up the house.

‘When they first moved in it was quite a scruffy granny-style house but they’d extended the kitchen and landscaped the back garden as well as improving the front of the house.

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Airline Flybe has

Airline Flybe has , leaving 75,000 passengers facing uncertainty about how how to get refunds or replacement flights.

Flybe was a small-scale airline with eight planes flying 21 routes to 17 destinations across the UK and EVDEn eve NakLiyAt Europe.  

But the firm said it had gone into administration in a shock announcement over the weekend. 

The firm employed 321 workers, EVDEn Eve NAKliyAT 277 of whom have lost their jobs while the rest will stay on to help with winding the airline down.

A Flybe statement on January 28 said: ‘Flybe has now ceased trading.If you beloved this article and you simply would like to obtain more info about eVDeN EvE nAkLiyat kindly visit the web-site. All Flybe flights from & to the UK are cancelled & will not be rescheduled.’

However, there are several ways Flybe customers can get refunds or alternative flights.

Collapse: Flybe mostly ran flights within the UK, using a limited fleet of aircraft

Can I get a refund if I bought directly from Flybe?

Yes, but this is not guaranteed and depends on how you paid for a ticket.

If you booked a ticket directly with Flybe using a credit card, you may be protected under Section 75 of the Consumer Credit Act 1974, eVdeN evE naKLiyAT according to the Civil Aviation Authority.

If you pay for something worth more than £100 using a credit card, your credit card provider may have a legal obligation to refund you if that product or service isn’t delivered or isn’t as described.

If you paid for tickets worth less than £100 using a credit card, or paid with a debit or charge card, you may be able to make a claim under chargeback rules.

The voluntary chargeback system sees banks issue refunds for cash spent on goods and services that never materialise.

Customers may also be able to get a refund if they bought travel insurance for their Flybe trip.

However, EVDEn eVE NAkLiyaT they will need to check their policy terms as many travel insurance deals do not cover airline failure, according to financial data firm Defaqto.

Anna-Marie Duthie, travel insurance expert at Defaqto, said: ‘With flights and holidays cancelled as a result of the Flybe collapse, a lot of people’s holidays will be ruined over the coming months. 

‘Whilst airline failure has become more available under travel insurance in recent years, nearly half of annual travel insurance policies still offer no cover.’

What about if I bought through a third party?

If you bought Flybe tickets through a third party firm such as a travel or booking agent, the CAA advice is to contact them directly for any refund.