Latest news with #AndrewRhodes
Yahoo
13-07-2025
- Health
- Yahoo
‘Your future': Problem gambling in UK is a stark warning for Mass. public health leaders
'High Stakes: Gambling Addiction, Beyond Borders' is a three-part series by New England Public Media looking at the public health movement to address gambling in Massachusetts and the United States, and what can be learned from two countries with very different models of gambling regulation: Norway and the United Kingdom. This is part two of that series. If you walk around Blackpool, England — a one-time seaside resort on the west coast of England — you see carnival rides, a flashy boardwalk and a handful of neon-marketed casinos and arcades. Some call it the Las Vegas of Britain on the basis of betting opportunities per square mile. I thought a weekend in Blackpool might serve as a trial-by-fire to learning about gambling in Britain. And within 15 minutes, I managed to lose my entire 20-pound budget on roulette machines at the Coral Island Casino. But you don't have to come to Blackpool to bet in the United Kingdom. With an estimated 22 million people betting every month — and 2,000 gambling companies — researchers consider the U.K. one of biggest gambling markets in the world. It's also one of the places Massachusetts looked to when the state began regulating its own nascent gambling industry. 'I would describe it this way: that the wizened, haggard old man on the other side of the Atlantic is your future,' said Andrew Rhodes, the head of the U.K. Gambling Commission. 'So every difficult experience we have had is going to happen in the U.S.' While countries like Norway, for example, acted in the early 2000s to restrict gambling, the U.K. did the opposite. The National Gambling Act of 2005 liberalized and legitimized the gambling industry, which had previously been considered more of a seedy endeavor. 'Prior to then, gambling could best be described as something to be tolerated but not encouraged,' Rhodes said. Today, almost every main street in every English town has a combination of betting shops and arcades where people can gamble. Major cities have brick-and-mortar casinos. And like the rest of the world, mobile and online betting is everywhere. But with more places to gamble comes a higher risk of addiction, many health leaders say. A government report from 2023 estimated almost 2 million people in the U.K. are either problem gamblers or at risk of becoming one. In response, the U.K.'s national Gambling Commission says it is putting in a number of new guardrails to help protect the population from gambling addiction, albeit balanced against the needs of the industry and limits of the law. 'The government is still very focused on the idea that it can simultaneously grow the industry and protect people from harms,' said Heather Wardle, a professor at the University of Glasgow. 'We need a critical conversation.' Wardle has been researching gambling policy and addiction for 20 years, including as a consultant for the Gambling Commission. She's also an outspoken critic of the country's gambling policy. So when I asked her if the U.K. should be a model for U.S. regulators, including those in Massachusetts, she hedged. 'I mean, certainly the U.K. is a model,' she said. 'The question is, a model of what?' Brixton is one of the most dense betting neighborhoods in London. It's also one of the poorest. Posters at each betting shop entrance have slogans meant to promote moderation, like 'Take time to think' and 'When the fun stops, stop.' (These are often next to another sign: 'Best Odds Guaranteed.') Giving me a tour of the area, Wardle said those messages reinforce the idea that it's each person's responsibility to play in moderation — what's known as the 'responsible gaming' framework favored by the gambling industry — rather than the government's job to help protect the population from addiction. She believes that's only possible by scaling back the excessive promotion and availability of gambling. We entered one betting franchise called William Hill, where a horse race was blaring on TV screens and several men were checking their score sheets. Nearby, a row of video machines were loaded with casino-style games. Wardle slid a 10 pound note into a machine and chose an electronic roulette game. 'So if it's any number between 1 or 12, then we win,' she said, pressing the start button. It was 14. A man sitting next to us had been gambling for four hours and lost 800 pounds — around $1,100 — according to an employee who'd been watching with concern. After five minutes, a message on the screen reminded Wardle she had set a time limit for herself. To override the reminder, all she had to do was press a button. And she did, winning the next game and then losing two, along with the rest of her cash. The U.K.'s National Gambling Act of 2005 set three key goals for regulating gambling: preventing crime, ensuring fairness and protecting people from harm. Wardle said it also sent a message to the public that 'we should stop being quite so puritanical. We want the industry to grow.' And grow it did. In addition to casinos in large cities and resort towns, betting shops in smaller towns started proliferating, offering a new kind of slot machine with preloaded games. Then came online gambling and sports betting, matched by a rush of advertising and sponsorship campaigns. 'If I wanted to generate harm amongst a population, this is pretty much how I would do it,' said Matt Gaskell, an addiction specialist who runs six gambling treatment clinics for the country's National Health Service. Gambling products are designed to 'exploit reward pathways [in the brain], affect our decision making, and have an influence on the way that we think and act,' Gaskell said. 'My patients gamble in the bathroom, they gamble on their way to work, they gamble at work.' According to GamCare, a charity organization that offers counseling and referrals, 2024 saw the highest number of calls on record to the U.K.'s national gambling helpline, largely due to sports betting and online casino games. Gambling treatment has expanded in the U.K. in recent years, going from one nationally funded clinic to 15. But by the time people come into a clinic, Gaskell said, the damage has been done. While about 1,500 people seek gambling treatment a year, Gaskell believes that's only a tiny fraction of the number who have gambling disorders. Using a public health analogy, he said the system is trying to rescue people after they're already drowning. 'We're able to pick one or two out of the river,' he said, 'while the industry is throwing in thousands further upstream.' Matt Zarb-Cousin was 16 in 2010 when he placed his first bet. He was waiting for a friend near a betting shop while a soccer match was underway. 'I'm an Arsenal fan, and I just put some money in and just thought I'd pass a bit of time,' he said. 'And then I won in the first attempt, and I thought, 'Well, this is easy.'' Within a few months, he couldn't stop. Sometimes he won, which made him feel powerful. Sometimes he lost, which made him want to win the money back. 'I was sort of trapped in a prison that the gambling had sort of created around me, where I couldn't enjoy anything except gambling,' he said. He used student loans and bank overdrafts to fund his bets. In one afternoon, he lost several thousand pounds. 'And it took me to a very, very dark place.' Zarb-Cousin said he made plans to take his own life until his parents intervened. It took him a lot of therapy, and a few relapses, to stop gambling entirely. During that period, he went to a Gamblers Anonymous support group. 'And what I really didn't like about the culture around gambling addiction recovery was the focus on blaming the individual,' he said. 'That only serves the industry's interests, in my view,' he said. 'Because they're sort of saying, 'Well, OK, we're going to cause all of this harm and profit from it. But the people that get impacted by it, they're sort of embarrassed and ashamed and they're going to be quiet.'' The push for stronger regulations came as people like Zarb-Cousin, now 35, began to call on legislators to protect all players, not just the most vulnerable. He and others successfully lobbied to reduce the maximum stake on slot machines from 100 pounds a spin to 5 pounds. (They were unsuccessful in changing the speed of play, which goes as fast as two seconds a turn.) 'We never understood what a deep and complex addiction it was,' said Charles Ritchie, whose 24-year-old son Jack took his own life in 2017 after years of gambling led to anxiety, depression and overwhelming debt. Ritchie and his wife Liz founded the organization Gambling With Lives, which is made up of people who have lost a family member to gambling-related suicide. They are pushing for more limits on the industry, as well as research and education on the risks of gambling. 'All the young people who died, these were nice young people and they were … being told, 'It's your fault, it's something wrong with you,'' Ritchie said. ''Everybody else is fine. You're the problem here. You need to solve it.'' Andrew Rhodes said he takes seriously the need to protect the public from gambling harms. But, as head of the U.K. Gambling Commission, he also has to take the industry's needs into account. 'What we're trying to do is make sure that people who want to engage in gambling can, with as minimum friction as possible,' he said. 'But we make sure that operators identify those who are at risk because it isn't in the industry's best interests, after all, for people to be harmed by gambling.' Many public health advocates say that's not actually true. Research shows that about 90% of the gambling industry's profits come from about 10% of the highest-spending customers, including people with gambling disorders. Rhodes said strict regulations, like the mandatory spending limits in Norway, would not be politically or socially acceptable in the U.K. 'The more you restrict people, the more you do run a risk of driving people to the illegal market … where there are no safeguards at all,' he said, echoing a common argument from the gambling industry. Even so, Rhodes said the gambling commission has already banned many practices that encourage excessive play, including most VIP schemes, misleading messages that present a loss as a win and 'slam stops' that give the false illusion of controlling a slot machine's outcome. And Rhodes said the commission is now calling on all operators to intervene in a 'meaningful' way when customers are showing signs of trouble or losing large sums of money in a short span of time. Several betting shop managers told me they do their best to comply. An arcade manager in Blackpool named Mary, who declined to give her last name, said she looks at customers' 'body language, signs they're exhibiting to see if they're in sort of internal distress.' But Mary said most people just want to be left alone. 'Real gamblers, they'd walk through snow, wouldn't they? Because it's an addiction, isn't it?' And while she hands out brochures with the national gambling helpline number, she said most people leave them behind. Another recent change is a new levy on gambling operators in the U.K. Enacted in April, the 1% tax on profits is expected to raise about 100 million pounds ($140 million) a year towards prevention, research and treatment. 'Money will now go untainted by the gambling companies who cannot dictate how their money is spent,' said Don Foster, a member of Parliament who heads a legislative group called Peers for Gambling Reform. In one of the commission's more controversial measures, operators are now asked to conduct 'affordability checks' to determine whether players can afford to lose as much as they are betting. Some critics say that's an invasion of customer privacy and hard to enforce. 'There's lots of debates around this, how it should be done, what the limit should be,' Foster said. 'But the principle … has been established and that's a major victory.' Foster would still like to see a cap on what he considers excessive advertising for sports betting and online casino games, but Rhodes said that's not in the Gambling Commission's jurisdiction. The most encouraging sign, Foster said, is a shift in the national conversation, as more politicians treat gambling as a public health issue. But he's still concerned the new Labour Party government is under pressure to grow the economy, and by extension, the gambling industry. 'The notion that you can increase the profits of the gambling companies without it having an impact on gambling harm is clearly, in most people's view, nonsensical,' Foster said. Britain has been developing regulations over the course of 20 years, as the gambling industry has rolled out online games, smartphone apps and sports betting. In contrast, Rhodes pointed out, 'all of those things are arriving at the same time in the U.S.' And with no nationwide gambling policy, each state is on its own to regulate the options. 'It will be a very long journey for the states to get to grips with this, unless they are able to get real political clout over this very, very quickly,' said Matt Gaskell, the gambling addiction clinician for the National Health Service. 'It's always harder to draw things back once they've gotten way out of control.' U.S. gambling experts are watching the U.K.'s moves closely, including Jonathan Cohen, who wrote the new book 'Losing Big: America's Losing Bet on Sports Gambling.' 'What's happening in England is a great test case for us,' he said. Cohen said there's still time for most states to outlaw online casino games — a style of gambling that experts consider especially addictive. So far, only seven states allow them and Massachusetts isn't one of them. Affordability checks, as the U.K. is piloting, have also caught the eyes of U.S. public health leaders. 'It may or may not be doing what they set out to do, but I think the concept struck us as a very solid one,' said Mark Gottlieb, the executive director of the Public Health Advocacy Institute at Northeastern University in Boston. Gottlieb helped write the Safe Bet Act, a pending federal bill that would make gambling operators do a financial check on any customer betting more than $1,000 in a 24-hour period, or $10,000 in a 30-day period. A pending Massachusetts gambling bill makes a similar proposal. And while the Safe Bet Act stops short of creating a national gambling commission, as the U.K. has, it would create minimum federal standards for advertising, affordability and artificial intelligence — an approach the industry strongly resists. Public health advocates in both countries acknowledge that adding new restrictions on betting could lead to a smaller gambling industry. But researcher Heather Wardle said that may be a worthwhile tradeoff. 'Do you want a smaller industry that produces less harms that arguably could be more sustainable going forward?' she asked. Next up in the series: As sports betting expands across the United States, states are on their own to make the rules. A growing movement of U.S. health leaders and legislators want to strengthen and standardize the way gambling is regulated. But they are facing opposition from the betting industry. This project was supported by a grant from the Association of Health Care Journalists, with funding from The Commonwealth Fund. It was edited by Dusty Christensen, with help from Elizabeth Román. Injured Red Sox starter strikes out 8 in first rehab outing Red Sox rain delay: Sudden monsoon in DC causes stoppage in 2nd inning Sunday MLB insider tabs 'Rafael Devers duplicate' as perfect fit for Red Sox in free agency Funeral info announced for woman killed in Wrentham single-car crash MLB insider connects ex-Red Sox outfielder to NL West contender Read the original article on MassLive.
BBC News
15-04-2025
- Health
- BBC News
NHS urges Surrey patients to keep A&E numbers down over Easter
The NHS is urging people in Surrey to keep pressure off A&E departments and GP surgeries this Easter. It is reminding the public that both are expected to be very busy over the holiday period and to use the correct service should they become the case of non-emergencies it advises the NHS 111 service be contacted, either by phone or online, along with local pharmacies in the case of minor health Andrew Rhodes, joint chief medical officer at NHS Surrey Heartlands, said the move was to ensure "those who need emergency care over the bank holiday can be seen as quickly as possible". In a statement the NHS said: "If you or a member of your family have minor health concerns such as an ear infection, impetigo, insect bites, shingles, sinusitis, sore throats, or urine infections, please visit your local pharmacy and ask for a consultation in the first instance. "You'll receive advice and, if needed, medication, which will get you on the road to recovery sooner."It added that pharmacy opening times across Surrey can be found on the NHS England health service stressed that mental health resources are available over the bank holiday weekend to support anyone in need. It added that urgent care can be reached via the 24/7 Mental Health Crisis Helpline on 0800 915 4644, while out-of-hours help to those in distress is available at Safe Haven facilities across the the Samaritans can be contacted on 116 123. "We want everyone to enjoy the long bank holiday weekend and Easter holidays, whilst remaining safe and healthy," said Prof added that, with GP surgeries closed over the bank holiday weekend, people should plan ahead and ensure they have any repeat prescriptions they might need.
Associated Press
11-03-2025
- Business
- Associated Press
MCT Reports 28% Increase in Mortgage Lock Volume Heading into Spring Season
SAN DIEGO, Calif., March 11, 2025 (SEND2PRESS NEWSWIRE) — Mortgage Capital Trading, Inc. (MCT®), the de facto leader in innovative mortgage capital markets technology, today announced a 27.91% increase in mortgage lock volume compared to the previous month. Industry professionals and stakeholders are encouraged to download the full report for a detailed analysis. The increase in volume follows the typical seasonal pattern, rebounding from the December and January winter lull. As the housing market transitions into the Spring homebuying season, this positive movement suggests improving market activity. However, recent trends indicate that total volume may rise further in March and April before tapering off as early-season buyers finalize their purchases, leading to decreased demand in the deeper summer months. External economic factors also remain a key area of focus. The potential impact of tariffs and possible retaliatory trade measures could introduce volatility into the broader economy, which may, in turn, affect mortgage rates. Market participants are watching these developments closely as they navigate lending and investment decisions. Andrew Rhodes, Senior Director and Head of Trading at MCT, shared his perspective on the current financial landscape: 'The expectation is that the Federal Reserve will likely hold the line on rates in March and May, with markets anticipating a likely rate cut in June. Economic performance given impending tariffs, Nonfarm Payroll, and the Consumer Price Index (CPI) will continue to be the biggest factors influencing rate decisions as we move into the summer months.' As mortgage lenders and capital markets participants prepare for evolving conditions, MCT remains committed to delivering expert guidance and data-driven insights. For a more in-depth look at market dynamics, industry professionals can access the full report on MCT's website. About MCT: For over two decades, MCT has been a leading source of innovation for the mortgage secondary market. Melding deep subject matter expertise with a passion for emerging technologies and clients, MCT is the de facto leader in innovative mortgage capital markets technology. From architecting modern best execution loan sales to launching the most successful and advanced marketplace for mortgage-related assets, lenders, investors, and network partners all benefit from MCT's stewardship. MCT's technology and know-how continue to revolutionize how mortgage assets are priced, locked, hedged, traded, and valued – offering clients the tools to perform under any market condition. For more information, visit or call (619) 543-5111. MEDIA CONTACT: Ian Miller Chief Marketing Officer Mortgage Capital Trading 619-618-7855 [email protected] NEWS SOURCE: Mortgage Capital Trading Inc. Keywords: Mortgage, Mortgage Capital Trading Inc, MCT, mortgage capital markets technology, mortgage lock volume, SAN DIEGO, Calif. This press release was issued on behalf of the news source (Mortgage Capital Trading Inc.) who is solely responsibile for its accuracy, by Send2Press® Newswire. Information is believed accurate but not guaranteed. Story ID: S2P124651 APNF0325A
Associated Press
06-02-2025
- Business
- Associated Press
Mortgage Lock Volume Stays Flat in Latest MCT February Indices
SAN DIEGO, Calif., Feb. 6, 2025 (SEND2PRESS NEWSWIRE) — Mortgage Capital Trading, Inc. (MCT®), the de facto leader in innovative mortgage capital markets technology, announced today a 0.12% decrease in mortgage lock volume compared to the previous month. Industry professionals and market enthusiasts are encouraged to download the complete report for a deeper understanding of the latest market trends and dynamics. Despite the drop in refinance volume, purchase volume has remained steady, resulting in relatively no change in overall production volume month-over-month. The stability in purchase volume continues to support market activity while the industry awaits potential shifts in interest rates. MCT's data did show an increase in refinance production in the latter half of January. However, this uptick is likely attributable to the seasonal lull of the holiday period when compared to the end of December. The outlook for the upcoming Federal Reserve meeting remains uncertain, as additional data is required to refine market predictions. 'Tariffs, if or when implemented, may have an impact on inflation which will have influence over the next Fed decision,' said Andrew Rhodes, Senior Director and Head of Trading at MCT. 'This, along with upcoming Nonfarm payroll and Consumer Price Index (CPI) reports, will help determine the outlook for mortgage rates heading into the Spring season.' MCT's latest report offers an in-depth analysis of these factors, providing valuable insights to lenders, investors, and industry stakeholders as they navigate the shifting mortgage landscape. To access the full report and learn more about MCT's innovative solutions, visit MCT's website. MCT's Lock Volume Indices present a snapshot of rate lock volume activity in the residential mortgage industry broken out by lock type (purchase, rate/term refinance, and cash out refinance) across a broad diversity of lenders (e.g., sizes, products/services offered, business models) from MCT's national footprint. About MCT: For over two decades, MCT has been a leading source of innovation for the mortgage secondary market. Melding deep subject matter expertise with a passion for emerging technologies and clients, MCT is the de facto leader in innovative mortgage capital markets technology. From architecting modern best execution loan sales to launching the most successful and advanced marketplace for mortgage-related assets, lenders, investors, and network partners all benefit from MCT's stewardship. MCT's technology and know-how continue to revolutionize how mortgage assets are priced, locked, hedged, traded, and valued – offering clients the tools to perform under any market condition. For more information, visit or call (619) 543-5111. MEDIA CONTACT: Ian Miller Chief Marketing Officer Mortgage Capital Trading 619-618-7855 [email protected] NEWS SOURCE: Mortgage Capital Trading Inc. Keywords: Mortgage, Mortgage Capital Trading Inc., MCT, mortgage lock volume, mortgage capital markets technology, SAN DIEGO, Calif. This press release was issued on behalf of the news source (Mortgage Capital Trading Inc.) who is solely responsibile for its accuracy, by Send2Press® Newswire. Information is believed accurate but not guaranteed. Story ID: S2P123895 AP-R15TBLLI
