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  • 10 Album Covers By Famous Artists: From Warhol’s Banana To Clipse’s KAWS Collab

    10 Album Covers By Famous Artists: From Warhol’s Banana To Clipse’s KAWS Collab

    “I’d lick the grief right off your lips.”

    Fans rejoiced at the tantalizing thought of new music from Billie Eilish after she captioned a passport-style Polaroid to her Instagram in January with those emotionally charged words. But the lyrics actually come from a hotly tipped singer/songwriter from the U.K. Eilish was referencing Arlo Parks’ “Black Dog,” a candid look at the realities of trying to help a friend living with depression. A year apart in age, Eilish and Parks represent a new generation of songwriters intent on tackling Gen Z’s problems head-on.

    It’s not just Eilish who’s singing the praises of Parks—the vanguard of the creative arts is rooting for the young singer. “Cola,” from her 2019 debut EP Super Sad Generation, appeared in Michaela Coel’s critically acclaimed HBO series, “I May Destroy You.” Phoebe Bridgers and Florence Welch have shown love, too. Although the influencer generation has shifted the capacity to create stars from institutions to individuals, Parks has taken home a host of industry awards, too, landing a spot on the BBC Music Sound Of 2020 long list, which launched the careers of Michael Kiwanuka, Haim and Sam Smith, and NME’s Essential New Artists For 2020 list.

    https://www.youtube.com/watch?v=/8d-blfWHSng

    Parks has had a meteoric year, but she’s remained undeterred by the pressure; she spent 2020 and early 2021 mostly confined to her childhood bedroom. She’s gained and maintained a fan base via a social media presence as sincere and personal as her songs, emphasizing self-love and openness. Her lyrics tackle big subjects—unrequited love, addiction, mental health struggles, sexuality—and her vocals are tender, unflashy and inviting.

    Themes like these are the bedrock of her debut album, Collapsed In Sunbeams, a series of vignettes describing friends and their problems tied together by a calm, wistful energy. (The album’s title is lifted from British author Zadie Smith’s 2005 novel, On Beauty.) Nodding to her influences, like Radiohead and Portishead, Collapsed In Sunbeams easily flits between lo-fi pop, R&B and the indie sounds of her youth. Yet the real beauty is in Parks’ smart observations on life, which she tackles directly yet compassionately.

    GRAMMY.com chatted with Arlo Parks about Collapsed In Sunbeams, her literature collection and how her heartfelt lyrics entered Eilish’s imagination.

    This interview has been edited and condensed for clarity.

    What are you reading at the moment? I learned a new Japanese word recently—tsundoku, or the art of leaving a book unread after buying it. Are you like that?
    I’m definitely like that! My favorite thing to do is wander around quaint little book shops in SoHo, like Skoob Books, and buying 10 books at once. I’ve got Shampoo Planet by Douglas Coupland, This Young Monster by Charlie Fox and The Swimming Pool Library by Alan Hollinghurst on my desk, to name a few. There’s something so comforting about books as a little physical world to explore, but making the time to read them is a different story.

    Aside from your musical influences, which artistic figures inspire you?
    I’m obsessed with sensory, muscular writers like Virginia Woolf, Zadie Smith, and Raymond Carver. Some special books to me are Just Kids by Patti Smith, Chelsea Girls by Eileen Myles and Blueberries by Ellena Savage. I’m also interested in [photographers] that capture youth culture and act like super-observant documentarians, like Wolfgang Tillmans, William Eggleston, and Nan Goldin.

    In terms of films, I love Xavier Dolan—especially Mommy—[as well as] Wes Anderson’s catalog, Vertigo by Hitchcock and quiet, sensitive films like In The Mood For Love by Wong Kar-Wai or Driveways by Andrew Ahn.

    Can you remember which came first, writing stories or listening to music?
    Listening to music came first. I remember sitting on the carpet in the living room and listening to everything from Françoise Hardy to My Funny Valentine by Chet Baker to Zombie by Fela Kuti. Music permeated the house, and the car rides to Sainsbury’s. It’s in all my conscious memory.

    You’re a prolific journal writer. Is that where your ideas for songs germinate?​
    Definitely. This album was inspired by poring over old journals and picking out fragments of conversation, dissecting explosions of emotion and important stories [magnified] by adolescence. Journaling also allows me to have those quiet moments of introspection and makes me a more honest, focused, and experimental writer. Everything I write feeds into my songs.

    How did you go about recording Collapsed In Sunbeams?
    It was recorded between my bedroom, a few Airbnbs, and two studios. I wrote the demos for “Portra 400” and “Bluish” in my bedroom and recorded the Bluish vocals at 3 a.m. at home. Most of the songs were written and recorded in Airbnbs in East London—Dalston and Hoxton.

    It was a very organic and instinctive process. We approached this album on a song-by-song basis to make sure everything felt fresh, and the sonic palette was broad.

    Your songs’ emotional maturity is surprising given your age. Have you always been that emotionally in touch?

    I’ve always been somebody who felt a lot all the time. That sensitivity and empathy is a big part of who I am, and I’ve always had a sense of self-awareness when it comes to my inner landscape. I learned a lot about emotion and communication just from being around very open people—from helping friends and understanding myself.

    You’ve spoken elsewhere about being blessed with a supportive family, who helped with that emotional intelligence. What do they make of your new stardom? And what has it been like living with them while your career has skyrocketed?

    They always say how proud they are of me, but there have been adjustments to be made. Being on TV or being recognized in the park, or being in the paper has taken some getting used to. It has felt so grounding to be surrounded by the people who know me and love me best during the chaos of this year, so I’m grateful for that. It’s refreshing to watch some Hitchcock films with my mom or just chat with my brother between interviews. It centers me.

    “Black Dog” is particularly devastating, but elsewhere on the album, there’s a more uplifting message. How can we maintain hope during this bleak period?
    I think this album is an exercise in balance. Being a human being involves spikes of elation and dejection, and I wanted to explore both sides. Honestly, I would say try and make space for your own joy every day, whether it’s going for a quick walk, getting a posh coffee, having a solo dance party or a bath with candles. Doing little things for yourself consistently and being aware that what is meant for you will not pass you by.

    How do you feel about flaunting your influences? I can hear bits of Radiohead and Portishead.
    It’s super important to me. I’m a music lover before a music maker, and I love the idea of picking little elements of records I enjoy. Maybe a kick drum from [A Tribe Called Quest’s] The Low End Theory, some guitar reverb from a Beach House song, a melodic approach from [Elliott Smith’s] Either/Or, creating a unique collage.

    I like paying homage to and basking in the songs that made me fall in love with music and allow me to fall more deeply in love every day.

    Speaking of influences, Billie Eilish says she’s a fan. So is Michaela Coel and Phoebe Bridgers. How do you cope knowing the cool kids are watching?
    It’s surreal to know that such powerful, unique human beings are a fan of my work. It’s validating in a specific way because these are people I look up to.

    You’re very in touch with your fan base, particularly through your candid social media presence. What’s been the most impactful fan reaction to your work?
    I feel connected to my fans, there’s a familial quality to [my] community, and I find that lovely. Someone said that “Eugene” helped them come out to their older sister and feel a sense of comfort in themselves and their sexuality. I also remember someone saying the only way their baby boy would sleep was listening to “Cola”, which I thought was very wholesome.

    Your natural lyricism and interest in words of all kinds lend themselves to rap. Can we expect that on future albums, or will you keep it centered around spoken-word for now?
    Maybe so. Who knows? I’m a big fan of hip-hop. Artists like Navy Blue, MF Doom, and Earl Sweatshirt are so playful with language. The sky’s the limit, and that’s so exciting to me.

    Phoebe Bridgers Talks ‘Punisher,’ Japanese Snacks & Introducing Conor Oberst To Memes


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  • Thailand and Vietnam produce spectacular five-set clashes on eve of World Champs – Volleyball World

    1. Thailand and Vietnam produce spectacular five-set clashes on eve of World Champs  Volleyball World
    2. Volleywood Victory: Vietnam serves up historic win over Thailand  Asia News Network
    3. Jia De Guzman sees SEA V.League podiums as key building blocks  Tiebreaker Times
    4. Alas Women subdue Indonesia anew to seize 4th straight bronze | SEA V.League Highlights  OneSports.PH
    5. Thai volleyball fans frustrated after Vietnam’s stunning comeback victory  VnExpress International

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  • Astronomers Capture Rare Birth of Black Hole Activity

    Astronomers Capture Rare Birth of Black Hole Activity

    A recent discovery by a team of astronomers centres on a galaxy cluster called CHIPS 1911+4455, located an incredible 6 billion light-years from Earth. At its heart lies a supermassive black hole that has only recently “turned on”, just a thousand years ago. While that might sound like a long time, it’s merely a blink of an eye in astronomical terms.

    Hubble image of the galaxy cluster CHIPS1911+4455. (Credit : NASA / ESA / Hubble Heritage Team)

    Lead researcher Francesco Ubertosi from the University of Bologna describes the phenomenon as watching a sleeping giant wake up. The team used the Very Long Baseline Array and Very Large Array telescopes to peer deep into space with remarkable precision, imagine being able to read a newspaper in Los Angeles while standing in New York.

    What makes this black hole special is that it’s essentially a newborn in terms of activity. The jets of material it’s shooting out extend only about 100 light years from its center. While that sounds enormous, it’s actually tiny by black hole standards. Mature black holes in similar systems can create jets stretching for tens of thousands of light years.

    The ngVLA prototype antenna during the handover ceremony, with the older antennae in the background. The ngVLA prototype antenna during the handover ceremony, with the older antennae in the background.

    Most black holes astronomers study have been active for millions of years, making it difficult to understand how they first begin affecting their surroundings. This newly awakened black hole provides a unique “before” picture, showing scientists what happens in the earliest stages of black hole activity.

    “The jets are so young and small that they haven’t had time to push away the surrounding hot gas, this creates a perfect natural laboratory for studying how black holes first begin to influence their cosmic neighbourhood.” – Co-author Myriam Gitti from University of Bologna.

    While the black hole is just waking up, the galaxy around it is anything but sleepy. This galaxy is creating new stars at an astounding rate; between 140 and 190 times the mass of our Sun every single year. To put that in perspective, our entire Milky Way Galaxy only forms about one Sun’s worth of stars annually.
    The researchers believe they may be witnessing the smoking gun of how black holes get triggered in the first place. The hot gas surrounding this black hole is cooling very efficiently, potentially providing the fuel needed to wake up the black hole.

    Understanding how supermassive black holes wake up helps solve fundamental questions about how galaxies evolve. These black holes play a crucial role in regulating star formation and shaping the largest structures in the universe. By catching one in the act of awakening, it’s possible to finally study this process as it unfolds rather than just seeing the end result.

    The discovery required combining observations from multiple telescopes, each providing different pieces of the puzzle. Some offered ultra high resolution to see the tiny jets, while others provided the sensitivity needed to detect faint signals from star formation.

    As the research team continues, they hope to watch how it evolves over time and find more similar systems. This could revolutionise our understanding of how the universe’s most powerful objects first begin to shape the cosmos around them.

    Source : Astronomers Catch Supermassive Black Hole in the Act of “Waking Up”

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  • Isle of Man wind farm would boost economy by £2bn, firm claims

    Isle of Man wind farm would boost economy by £2bn, firm claims

    Rebecca Brahde

    BBC News, Isle of Man

    PA Media A large number of wind turbines located in the sea at sunset.PA Media

    Plans for the windfarm have already been scaled back amid concerns raised by residents

    A proposed new wind farm off the east coast of the Isle of Man could generate £2 billion for the island’s economy over its 35-year lifespan, the company behind it has claimed.

    Under Orsted’s wind farm project, called Mooir Vannin, 87 turbines would be built off the coast of Maughold.

    The firm said the sea bed rental and predicted taxation for the project would see £57m go to the government each year, while up to £1.5m would go into a community investment fund annually more than 15 years.

    A consultation last year saw some 226 of 508 respondents saying they were not in favour of the proposals, leading to the scheme being scaled back.

    Concerns raised included the visual impact, effects on wildlife and implications for shipping and navigation, leading to the firm reducing the number of planned turbines.

    A public meeting is set to be held later this month as Garff Commissioners gathers more views from residents about the potential visual and environmental impacts to “inform” its discussions with the firm and the government.

    The Isle of Man Government has declined to comment while the plans remain under consideration.

    Plans were submitted in March but withdrawn while the government made changes to its Marine Infrastructure Management Act, and resubmitted last month.

    Jamie Baldwin, a man with light brown hair and stubble, he smiles and wears a white stripy shirt in front of a white background.

    Jamie Baldwin is the development director for the project

    The project will now go through a six-month examination period, which will involve an island-wide consultation, followed by a three-month period for a recommendation report to be written.

    The Council of Ministers would then have three months to consider the proposals, and if approved the firm hopes the project would be operational between 2031 and 2033.

    Project director Jamie Baldwin said the firm could install a cable to connect the wind farm to the island.

    The other option being considered was to solely connect the wind farm to the UK grid, which would then be bought by the island.

    The £4.5bn project, which spans 81 sq miles (211 sq km), would generate “far in exceedance” of what the island would require, he said, so the majority of the energy would go back to the UK.

    The project would also create 30 jobs, he said.

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  • International Space Station undergoes crew handover, change of command

    International Space Station undergoes crew handover, change of command

    Expedition 73 aboard the International Space Station (ISS) continues to perform its scheduled science and maintenance activities on humanity’s premier orbiting outpost, now more than a quarter-century old. The Station has a new commander and a new set of crew members on the U.S. side of the complex, as four astronauts departed this week to conclude their tour of duty on board ISS.

    The Crew-11 mission successfully launched on Friday, Aug. 1, at 11:43 AM EDT (15:43 UTC) and docked just over 14 hours later on Saturday, Aug. 2, at 06:26 UTC. Crew Dragon Endeavour set a new record for the shortest time from launch to docking; previous Crew Dragon missions to ISS typically took around 19 hours to dock with the Station after launch.

    After Endeavour docked to the zenith port on the Station’s Harmony node module, the ISS temporarily hosted 11 crew members. Crew-11’s astronauts settled into life aboard the orbiting outpost while also being assisted by Crew-10’s members, who were “handing the baton” to Crew-11’s Zena Cardman, Michael Fincke, Kimiya Yui, and Oleg Platonov.

    Sergey Ryzhikov (L) and Takuya Onishi (R) shaking hands during the ISS change of command ceremony. (Credit: NASA)

    During the joint operations period, Station commander Takuya Onishi handed off his command responsibility to Roscosmos’ Sergey Ryzhikov. Ryzhikov will command ISS and the Expedition 73 crew until December, when he and his Soyuz MS-27 crewmates leave the Station and return to Earth, while Onishi returns to Earth after becoming the third Japanese to command ISS.

    Crew-10’s Anne McClain, Nichole Ayers, Takuya Onishi, and Kirill Peskov boarded Crew Dragon Endurance and undocked from the Station on Friday, Aug. 8 at 22:15 UTC before splashing down off the southern California coast on Saturday, Aug. 9 at 8:33 AM PDT (15:33 UTC). They returned to Earth with critical science samples aboard the Polar mobile cold storage locker.

    During their stay on ISS, Crew-10’s astronauts worked on many experiments, including studies on physical and mental change in astronauts during spaceflight and blood flow from the brain to the heart in microgravity. ISS crews stay on the Station for up to six months or so at a time, enabling a large database of how astronauts adapt to spaceflight.

    Takuya Onishi in the Kibo module with the JEM Internal Ball Camera 2. (Credit: NASA)

    Their science program also included studies on future lunar navigation techniques, various plant and seed experiments, investigations into how cells sense gravity, crystallization research, and tests on robots that could free astronauts from performing certain tasks, among other projects.

    Crew-11 also has an extensive science program to look forward to. Highlights of Crew-11’s science program include a study on producing stem cells in microgravity, work on a potential alternative to antibiotics, an experiment to produce nutrients that can remain viable for years in the space environment, and a Japanese plant cell division experiment using tobacco cells and green algae.

    Crew-11’s astronauts also may be tasked with a spacewalk on the U.S. segment that Crew-10 did not do. Crew-10 astronauts McClain and Ayers conducted EVA-93. On May 1, they worked on installing a modification kit for new solar arrays as well as an antenna relocation. The modification kit installation was not completed and was set aside for the next spacewalk, EVA-94.

    Astronaut Anne McClain during EVA-93. (Credit: NASA)

    However, EVA-94 has not yet been conducted, and will be left for a future crew, very possibly for the Crew-11 astronauts. Whenever this spacewalk takes place, the astronauts will be tasked with completing the solar array medication kit installation on the P4 truss at the 2A location, as well as several other tasks.

    Besides the change of command, the crew handover, and the return of Crew-10 to Earth that have already happened, the CRS-33 cargo resupply mission is also scheduled for this month. CRS-33, using Cargo Dragon C211 on its third flight, is currently set to launch on Thursday, Aug. 21, at 3:57 AM EDT (07:57 UTC) from Space Launch Complex-40 at the Cape Canaveral Space Force Station.

    Other cargo missions to the Station are only a little bit further down the line. Progress MS-32 is scheduled to fly from Site 31/6 at Baikonur Cosmodrome in Kazakhstan on Sept. 11 at 13:49 UTC, while the NG-23 Cygnus cargo mission is set to fly on a Falcon 9 from Florida no earlier than this September. The NG-22 mission was supposed to fly earlier this year but was canceled after the Cygnus spacecraft suffered an accident during transport to Florida.

    Cutaway illustration of the HTV-X. (Credit: JAXA)

    Japan’s HTV-X is scheduled to make its first flight to ISS no earlier than this October. The HTV-X is a follow-on spacecraft to the earlier Kounotori vehicle, which helped supply the Station from 2009 to 2020, and will be able to carry pressurized and unpressurized cargo to ISS like Kounotori did. Like Kounotori, HTV-X is disposed of with a destructive reentry in Earth’s atmosphere.

    HTV-X was designed to reduce mass and costs while increasing the amount of payload it could carry to the Station. The spacecraft will also be able to generate more power than Kounotori and will support late cargo loading. HTV-X will be launched by the H3-24L variant with four strap-on solid rocket boosters, and it will be berthed to the Station using its Canadian-built robotic arm.

    Another new cargo spacecraft, Sierra Space’s DreamChaser Tenacity, was supposed to fly to the Station, but Tenacity is still in work and may not fly this year. When the DreamChaser becomes operational, it will add an intact down mass cargo capability that currently only Cargo Dragon offers.

    Axiom Space’s Payload, Power, and Thermal Module shell at Thales Alenia. (Credit: Axiom Space)

    The current Expedition 73 post Crew-10 complement, with the Crew-11 astronauts, along with Soyuz MS-27’s Ryzhikov, Alexey Zubritsky, and NASA’s Jonny Kim, will be working on their scientific and maintenance tasks while also assisting with cargo loading and unloading from the upcoming visiting vehicles.

    While Expedition 73 continues, decisions are being made on the ground about the coming budget for the Station as well as construction on its possible successors. VAST’s Haven Demo, designed to test key systems aboard its coming space station, is scheduled to fly later this year, while Thales Alenia in Europe has completed the shell of Axiom Space’s first space station module.

    (Lead image: Inside the ISS Cupola. Credit: NASA))

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  • New pesticides provide challenging alternatives to neonicotinoids

    New pesticides provide challenging alternatives to neonicotinoids

    New Cornell research offers alternatives to a class of insecticides that has devastating ecological impacts, especially to pollinators, beneficial insects and aquatic invertebrates. A paper in Crop Protection published online on August 5 examines a number of alternatives to neonicotinoids (neonics) that might work for farmers who grow large-seeded vegetable crops such as snap bean, dry bean and sweet corn.

    “We wanted to find other options for growers to protect their vegetable crops from major pests. The impetus was to identify new products including those in the registration pipeline,” said Brian Nault, corresponding author on the paper and professor and program leader in the Department of Entomology at Cornell AgriTech in the College of Agriculture and Life Sciences (CALS). “My program has shifted in recent years and has focused on this major issue.”

    Snap bean seedlings, shown here damaged by seedcorn maggot, are among the crops the Cornell researchers used in their study of eco-friendly insecticides.

    The task has not been easy, he added. “Insecticides kill insects, so it’s a tall order to find those that kill the pests but have minimal effects on pollinators and other beneficial insects.”

    The race to find alternatives to neonicotinoids is urgent, Nault said, because the Birds and Bees Protection Act in New York state is phasing out the sale, distribution or purchase of certain neonicotinoid-treated corn, soybean or wheat seeds starting in the next few years. Governor Kathy Hochul signed it into law, the first of its kind in the country, in 2023, saying that it “underscores our commitment to fostering a thriving ecosystem while we prioritize sustainable farming and agricultural practices.”

    Research shows neonics have made U.S. agriculture more harmful to insects, and the Environmental Protection Agency determined that neonics likely jeopardize the continued existence of more than 200 threatened and endangered species.

    The implementation of the new law allows sufficient time for innovative research on alternatives and the development of more cost-effective products that are less harmful to the environment, Nault said.

    The researchers’ comprehensive, multi-state and multi-year study demonstrated that non-neonicotinoid insecticides varied in their ability to protect large-seeded vegetable crops against a common pest called seedcorn maggot, said Leonardo Salgado, first author and Ph.D. candidate in the graduate field of entomology.

    The researchers conducted field studies from 2021 to 2024 across Delaware, Minnesota, New York, Washington and Wisconsin. They compared protection of vegetable crops from seedcorn maggot using standard neonicotinoid seed treatments, thiamethoxam and clothianidin, with non-neonicotinoid alternatives including spinosad, cyantraniliprole, chlorantraniliprole, isocycloseram and tetraniliprole. They also compared the risk of these alternative insecticides to workers, consumers and the environment using the Environmental Impact Quotient (EIQ) developed by Cornell University’s Integrated Pest Management Program.

    “Some of the alternatives we found are safer for bees and pollinators, but not as good at controlling seedcorn maggot,” Salgado said. “The alternatives we are finding may not be a one-solution-fits-all, and we need to supplement these new solutions that we have with other strategies.”

    They found that cyantraniliprole and spinosad seed treatments in snap bean performed as well and occasionally better than the neonicotinoid standard, thiamethoxam. None of the alternative insecticide seed treatments in dry bean provided consistent and reliable protection against seedcorn maggot compared with neonics. But the big triumph was that five alternative seed treatments (chlorantraniliprole, cyantraniliprole, isocycloseram, spinosad and tetraniliprole) proved as effective as standard neonics for sweet corn.

    “Sweet corn is a pretty big crop in New York state,” Nault said. So there is good news about alternatives for sweet corn, less so for dry beans and snap beans, he said. For all of the alternative pesticides, their research shows, supplemental options may be necessary to cover additional pests.

    “For many vegetable crops, farmers could replace the neonic at planting but may need another pesticide later in the season,” Nault said. Other important factors will need to be considered before adopting non-neonicotinoid alternative seed treatments. For example, many are not yet approved for commercial use on these specific crops, and the cost of these newer products will undoubtedly be more expensive than neonicotinoids.

    This multi-state study, led by Cornell researchers and their collaborative team, provides crucial data to support future registrations of these non-neonicotinoid options. Their findings are vital for diversifying the insecticide classes used in these crops, particularly by incorporating active ingredients that function differently, can help delay the development of insecticide resistance and improve the long-term sustainability of pest management programs in large-seeded vegetable crops across North America.

    Funding for the study came from Cornell IPM Program, the New York State Agriculture and Markets, the Washington State Commission on Integrated Pest Management, the Delaware Department of Agriculture Specialty Crop Block Grant and the Midwest Food Products Association.

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  • Mortgage rates below 5% for first time since Truss budget

    Mortgage rates below 5% for first time since Truss budget

    Tom Espiner

    BBC business reporter

    Getty Images Homebuyers look at an estate agents window display - stock shotGetty Images

    The average two-year mortgage rate has dipped below 5% for the first time since former Prime Minister Liz Truss’s mini-budget in September 2022, figures show.

    The rate has dropped to 4.99%, according to Moneyfacts, which described it as a “symbolic turning point” for homebuyers and shows lenders are “competing more aggressively”.

    Interest rates have been cut five times since last August but at the Bank of England’s last meeting, a split vote between policymakers raised questions about whether there would be another reduction this year.

    A Moneyfacts spokesperson said that although mortgages are following the “mood music” set by the Bank’s rate cuts, they are unlikely to fall substantially.

    Hundreds of thousands of borrowers are due to re-mortgage this year.

    UK Finance, the banking industry group said 900,000 fixed rate deals are due to expire in the second half of 2025, while the total for the year is 1.6 million.

    Mortgage rates are still “well above the rock-bottom rates of the years immediately preceding” the mini-budget, according to Moneyfacts.

    Unveiled by Truss’s short-lived chancellor Kwasi Kwarteng, the so-called mini-budget set out £45bn in unfunded tax cuts, causing UK market turmoil.

    It pushed up the cost of UK government borrowing, which fed through into mortgage rates. By July 2023, the borrowing cost of mortgages had soared to the highest level since the 2008 financial crisis.

    Interest rates were already rising as central banks around the world, including the Bank of England, tried to deal with inflation which was being made worse by energy price shocks after Russia’s full-scale invasion of Ukraine.

    ‘Ultra-competitive’

    The UK mortgage market is “ultra-competitive” at the moment, with lenders cutting margins “extremely thin”, according to Hina Bhudia, a partner at Knight Frank Finance.

    She said the most competitive rates are about 3.7%.

    While she said the future is “uncertain”, Knight Frank Finance predicts interest rates will “continue to glide down as we move through the autumn”.

    A line chart showing the average interest rate charged on two-year and five-year fixed mortgage deals from 1 January 2022 to 13 August 2025, according to financial data company Moneyfacts. The average rate on a two-year fixed deal on 1 January 2022 was 2.38%. It then rose to 4.74% on 23 September 2022, the day of former Prime Minister Liz Truss’ mini-Budget, after which it increased more steeply to a peak of 6.65% in late October 2022. It fell back to around 5.30% before hitting another peak of 6.85% in early August 2023. It then gradually fell to 4.99% on 13 August 2025. The trend was broadly similar for five-year fixes, climbing from 2.66% on 1 January 2022 to 4.75% on 23 September 2022, and then peaking at 6.51% in late October 2022. It fell back to around 5.00% before hitting another peak of 6.37% in early August 2023. It then gradually fell to 5.00% on 13 August 2025.

    Last week, the Bank of England revealed that inflation is forecast to spike higher than expected this year – at 4% in September – before falling back to its 2% in 2027.

    Moneyfacts said this “is likely to mean the base rate will hold around its current level for longer” which, after the last cut, is 4%.

    Average house prices ticked up by more than £1,000 in July to £298,237, mortgage lender Halifax said last week.

    Although this is close to a record high, Halifax’s head of mortgages, Amanda Bryden, said: “With mortgage rates continuing to ease and wages still rising, the picture on affordability is gradually improving.”

    She added: “Combined with the more flexible affordability assessments now in place, the result is a housing market that continues to show resilience, with activity levels holding up well.

    “We expect house prices to follow a steady path of modest gains through the rest of the year.”

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  • NHS ten-year plan: what role will pharmacies play in neighbourhood health teams?

    NHS ten-year plan: what role will pharmacies play in neighbourhood health teams?

    The government’s ten-year-plan for the future of the NHS in England, subtitled ‘Fit for the future’, has promised three “radical” shifts in how the NHS will work.

    It said new technology will be used to cut administrative work for healthcare staff and give patients greater access to their care data; the health service would work to move the emphasis from sickness to prevention; and there will be a shift of care from hospital to community.

    The latter of these three aims will mean “more care will be available on people’s doorsteps and in their homes”, the plan says.

    As part of this move to bring care closer to patients, the government has promised the creation of neighbourhood health teams. And which type of provider sits in those neighbourhoods? Community pharmacies.

    More than 80% of England’s population live within a 20-minute walk of their nearest community pharmacy, and the government says that pharmacy will have a “vital role” in the new neighbourhood health service.

    Detail on the proposal is scarce and, at this early stage, it is difficult to tell how pharmacists will be integrated with the service, but Janet Morrison, chief executive of Community Pharmacy England, is optimistic about their involvement in both developing the neighbourhood health teams and achieving the government’s aims.

    “Pharmacies adapt well to change — just look at their efforts during the pandemic and in getting Pharmacy First up and running — and many are already taking innovative approaches to healthcare provision,” she says.

    There’s no clear strategy to prevent a drain from community pharmacies into these new centres, which could destabilise existing services

    Jay Badenhorst, director of pharmacy at the Pharmacists’ Defence Association

    “These neighbourhood health services should be harnessing the valuable skills and expertise of community pharmacy professionals, as well as making the most of our sector’s network of accessible locations.” 

    Jay Badenhorst, director of pharmacy at the Pharmacists’ Defence Association, is slightly less positive about the idea. Referring to the reported plan for 250–300 multidisciplinary neighbourhood health centres by 2035, bearing in mind the pharmacy workforce crisis, he asks: “Where will the pharmacists come from?”

    “There’s no clear strategy to prevent a drain from community pharmacies into these new centres, which could destabilise existing services and contribute to workforce pressures.”

    Badenhorst also notes that there is a risk of pharmacists being “subsumed under medical hierarchies” in these centres, limiting their abilities. He says they should be involved in the design of the plan, rather than being left to “pick up the pieces”.

    So what could pharmacy’s involvement in neighbourhood healthcare look like in practice, and what is needed for this planned shift from hospital to the community?

    Clinical services to address the chronic disease burden

    As part of the ten-year plan, the government says that it will transition community pharmacy over the next five years from “being focused largely on dispensing medicines to becoming integral to the neighbourhood health service, offering more clinical services”.

    As pharmacists will increasingly be able to independently prescribe — the first cohort of pharmacy students are due to qualify as independent prescribers in 2026 — the plan highlights that pharmacists will take on an increased role “in the management of long-term conditions, complex medication regimes, and treatment of obesity, high blood pressure and high cholesterol”.

    Danny Bartlett, a primary care pharmacist, says this should have always been the case. “Community pharmacists treating UTIs and coughs and colds — I don’t think that’s the best use of their skills.

    “It’s very transactional, whereas now we’ve got such a big prevention and chronic disease burden. Imagine if … instead of Pharmacy First for UTIs, it was Pharmacy First for blood pressure, diabetes and asthma reviews.”

    In the ten-year plan, the government references Canada’s pharmacy care clinics, which provide services for chronic disease management, as a model England can learn from.

    For example, the clinics provide full diabetes care, from carrying out blood glucose tests and cholesterol checks, to medication reviews and diabetes care consultations.

    Raj Matharu, chief executive of Community Pharmacy South East London, says he thinks the additional offering from pharmacies in England could be diagnostic services.

    “Phlebotomy is one that a number of pharmacies do for private phlebotomy services that could easily be converted, or you could use the flu model,” he says.

    He explains that, when the community pharmacy flu vaccination service was trialled in London in 2015, it was adapted from private providers’ patient group directions (PGDs).

    “We said … ‘why don’t we do a service level agreement that says, if you’ve got a provider PGD, that’s good enough for us — provide it’. That’s gone from strength to strength and now it’s a national service, so that can be replicated.” 

    The community pharmacy flu vaccination service launched in 2015, with pharmacies having administered more than 4 million flu vaccines in the 2024/2025 winter flu season. 

    On 24 July 2025, Community Pharmacy England (CPE) announced that community pharmacies in England will be able to provide flu vaccinations to children aged two to three years from 1 October 2025, as part of a trial commissioned for the 2025/2026 winter season.

    I think community pharmacy will run better if they do less services better, as opposed to more services diluted

    Danny Bartlett, primary care pharmacist

    Alastair Buxton, director of NHS services at CPE, said at the time: “We are confident that pharmacy teams will be able to increase vaccination rates by providing a convenient and accessible service to parents and their eligible children.” 

    Bartlett argues against pharmacies offering more services and says they should instead concentrate on improving what they already do well.

    “I think community pharmacy will run better if they do less services better, as opposed to more services diluted,” he says.

    He argues that rather than offering ad hoc services for acute conditions, such as Pharmacy First or minor ailment services, it would make more sense to channel energy into preventative services for conditions, such as hypertension, “where you’re not waiting for people to come through the door with a UTI or opportunistic referral from the GP surgery that might be inappropriate”. 

    Community pharmacy should be marketed where these needs are, “rather than trying to shoehorn acute need when you’ve got people like paramedics and advanced clinical practitioners that can help with that acute burden”, he adds. 

    “It’s the chronic burden that we need so much more help with.”

    However, Bartlett acknowledges that pharmacies may be providing lots of services, “because the funding is not there”.

    Funding reforms needed

    It is evident that if pharmacies are to transition towards more preventative work, there must be improved funding.

    “The vast amount of our income is from dispensing and if they want us to shift to clinical services, I need to see that bridge from supply to clinical and that support they provide us. I don’t see any meaningful frameworks coming forward with transitional funds to help us to do that,” Matharu says.

    He points out that only 43% of pharmacies in South East London are meeting the Pharmacy First targets for payment for each of the seven clinical conditions. “That’s a lot of money that we’re losing.”

    In April 2025, an estimated 182 pharmacies in the region fell short of the threshold, equating to £182,000 in missed payments.

    “I would love to drop the way that we have to always get referrals from other providers into community pharmacy, because that simply just doesn’t work. The fact that we’ve got a universal target of 20 or 30 Pharmacy First consultations, irrespective of how many prescriptions you do or where you’re based — I’d like to drop that if I could,” he says.

    There is no mention of pharmacy funding in the ten-year plan, just as there was no mention of it in the government’s spending review for 2025. However, a spokesperson from the Department of Health and Social Care told The Pharmaceutical Journal in June 2025 that pharmacies remain a “priority” as it rebuilds the health service.

    In response to the spending review, a joint statement published on 16 June 2025 by several primary care bodies, including CPE, said there was “little capacity to deliver the reforms needed, and improve the care people receive closer to home, without further investment in primary care”.

    Speaking in Parliament on 17 June 2025, health minister Stephen Kinnock told MPs he was “working on” reforms to Pharmacy First to “get the allocation of funding right” for the service.

    How do I make sure that there are sufficient community pharmacists in leadership positions at all levels?

    Raj Matharu, chief executive of Community Pharmacy South East London

    Bartlett says funding for the neighbourhood health service should be based on performance and priorities. He gives an example of a neighbourhood team that sees a lot of patients with frailty. “Their key performance indicators should be: we want to deprescribe medication; we want to prevent the amount of falls or reduce them; and we want to reduce the amount of hospital admissions. 

    “I think the funding model has to fit with what [neighbourhood teams are] wanting to achieve, but also make sure they achieve it,” he adds.

    Pharmacy leadership

    Matharu points out the need for funding for pharmacy leadership in the neighbourhood health service. “How do I make sure that there are sufficient community pharmacists in leadership positions at all levels? That’s the challenge for me, and I haven’t seen that addressed anywhere within the NHS ten-year plan.” 

    He says neighbourhood leadership has already been attempted with South East London Integrated Care System’s (ICS’s) community pharmacy neighbourhood leads programme.

    Developed in 2023, the programme supports community pharmacists to become neighbourhood leads for their respective localities. It followed a pilot in Lambeth, south London, which led to a 300% increase in referral activity for the community pharmacy consultation service, which pre-dated Pharmacy First, and which the ICS says freed up appointments at GP surgeries — something that aligns with the ten-year plan.

    Matharu says that Community Pharmacy South East London plans to recruit local pharmaceutical committee (LPC) staff to become the community pharmacy neighbourhood leads. 

    “We’ll start off with a small number and see how that develops as they make those interventions at a neighbourhood level,” he adds.

    Bartlett says it’s “essential” that pharmacists practising at an advanced level step into neighbourhood leadership roles.

    “My ultimate dream is that there would be a consultant pharmacist post that sits maybe in each integrated neighbourhood team (INT) or maybe across a couple of INTS, because then they’re going to be that fountain of all knowledge in primary care that can help disseminate the services and also help lift up those other junior pharmacists as well.”

    Matharu also notes that pharmacy leadership will encourage relationships between different care sectors. “Let’s get some community pharmacies in these positions of leadership and I can start developing those relationships, breaking down some of the barriers, because that’s when they will start to build trust and confidence with secondary care and general practice. 

    “Once that happens, hopefully it would be an era of collaboration.”

    Developing the plan

    Morrison says that CPE is “keen to work closely with the Department [of Health and Social Care] to ensure that community pharmacies are enabled and have the capacity to fully contribute to neighbourhood health services as they develop”. 

    “We are supporting LPCs to work with the NHS and local authorities, making sure they are aware of the value of pharmacy teams whilst also being mindful of the need for investment. With the right support, pharmacies can develop new ways of working across primary care and provide an even wider range of clinical services that benefit patients, communities and the NHS,” she adds.

    There is huge potential for pharmacists to be an integral part of the neighbourhood health service; however, as Morrison’s comments highlight, clarity is needed on how their involvement will be funded, as well as the need for pharmacists to feel empowered to take on leadership roles to help shape the service. 

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  • Stocks give up early gains, succumb to profit-booking

    Stocks give up early gains, succumb to profit-booking


    KARACHI:

    The Pakistan Stock Exchange (PSX), after kicking off the new trading session on an upbeat note on Wednesday, gave up early optimism over profit-booking pressure. By the close of trading, the benchmark KSE-100 index recorded a loss of 476 points, or 0.32%, at 146,529.

    In the morning, stocks showed impressive movement, which took the index to intra-day high of 147,892. However, at midday the market began to lose steam as traders grew increasingly risk averse. It resulted in a steady pullback, pushing the index to the day’s low at 146,418. The downturn was largely attributed to profit-booking.

    Arif Habib Limited (AHL) Head of Research Sana Tawfik told The Express Tribune that the stock market started off on a positive note but lost early momentum due to profit-taking and closed lower. “As expected, it is a consolidation phase at current levels following a streak of record-breaking rallies,” she said.

    “However, the sentiment is expected to turn positive in the backdrop of several factors such as Moody’s credit rating upgrade for Pakistan to Caa1 from Caa2 and robust financial results. Profit-taking is also expected to continue simultaneously,” she added. KTrade Securities, in its market wrap, noted that the KSE-100 index remained range bound as investors continued to take profit.

    The index lost 476 points and closed at 146,529 after hitting intra-day high of 147,892 and low of 146,418. Cement stocks performed positively while fertiliser and oil and gas sectors lost ground, it said.
    Key gainers included Lucky Cement, Habib Bank, Meezan Bank and National Bank. On the flip side, Fauji Fertiliser, Engro Fertilisers, Pakistan Petroleum and MCB Bank pulled the index down.

    The uptrend may continue, however, some consolidation is likely as the index hovers around record highs, KTrade concluded. Overall trading volumes decreased to 647.1 million shares compared with Tuesday’s tally of 691.7 million. Traded value stood at Rs40.9 billion.

    Shares of 487 companies were traded. Of these, 199 stocks closed higher, 240 dropped and 48 remained unchanged. Yousuf Weaving was the volume leader with trading in 51.8 million shares, gaining five paisa to close at Rs6.14.

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  • Boks expecting physical encounter against Australia

    Boks expecting physical encounter against Australia

    Nche spoke highly of the way the Wallabies raised their standard of play in their last two matches against the British & Irish Lions and said it would be a tight tussle between the teams.

    “We saw in their last two Tests against the British & Irish Lions how they started to gel and improve, while they are also developing good combinations with players who have been playing together for a while, so they’ll definitely be up for the game,” said Nche, who will run out for his 42nd cap in Johannesburg.

    “Their set pieces have also improved, and they have a solid pack, so we are expecting them to challenge us in the scrums and lineouts. We have no doubt they’ll be fired up and keen to try to make their presence felt in the areas of the game they are strong at.”

    Fassi echoed these sentiments and said the Boks have been preparing well for Saturday’s Test: “We know it’s going to be a physical game, and with the backs they have, we are also expecting an expansive game. That said, just as they have their plans, we have ours, and we know what we have to do no matter what they throw at us because it’s important for us to play our brand of rugby.”

    The exciting fullback was revealed as one of the goal-kicking options this week by Springbok coach Rassie Erasmus, and Fassi said he embraced the challenge.

    “I’ve been practicing my kicking a lot, even before I joined the Boks this season, and I’m confident with the way things are going,” said Fassi, who has scored seven tries in his 12 Tests to date, including a belter last year against the Wallabies in Perth.

    “So, when coach Rassie told me that I’ll also be a kicking option, it was a matter of putting my head down and continuing to put in the work.”

    With speculation rife over the last day that the Wallabies may pick James O’Connor at flyhalf for the clash, Fassi said it would not make a difference who they selected as the Boks were focused on their own game.

    “It won’t change the way we want to play if they select him because we know what we want to do on the field,” said Fassi. “He’s a good player with a good skillset, and he’s played against us before, so for us it is all about doing things the Springbok way.”

    When quizzed about the challenge of defending the Castle Lager Rugby Championship title, Nche said: “We are a year older as some say, but so are the other teams, and they’ve gained that experience as well.

    “If one looks at how the opposition teams have performed this year, both Argentina and Australia beat the British & Irish Lions, so it will be a challenging competition for all the teams.

    “But in terms of trying to defend our title, we are certainly going to do everything we can to achieve that.”

    Nche also had words of advice for the Springbok Women who will represent the country in the Women’s Rugby World Cup in England and said: “We wish them all the best, and we hope they go out there and give their all, while at the same time making memories and doing it for the country.”

    The match kicks off at 17h10 and will be broadcast live on SuperSport. Tickets are available from Ticketmaster.

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