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These cases highlight the need for greater scrutiny and accountability in the administration of pension schemes to prevent such errors and ensure that pensioners are not unfairly burdened with debt.

When Elle Middlemas turned 18, she began wondering whether she owned a Child Trust Fund (CTF) – a government‑backed savings account created for children born between 1 September 2002 and 2 January 2011. Her search hit a dead end; she could not confirm if she was entitled to any money and an email to HMRC yielded no response.Middlemas, a Whitby college student, explained that the loss of her mother at age 11 left her with little guidance. “My sister is 21 and spent three years looking for a fund and found nothing, so we assumed we didn’t have one,” she said, expressing the frustration felt by many of her peers.She and her sister are part of an estimated 758,000 people aged 18‑23 who have unclaimed CTFs. Collectively, these dormant accounts hold roughly £1.5 bn, a substantial sum that disproportionately belongs to low‑income families who are often unaware of its existence.Advocates are now pressing the government to automatically release CTFs when holders reach 21 years of age. Experts estimate that such a policy could inject up to £286 m directly into the pockets of young people who need it most.Middlemas finally learned of her entitlement after a conversation with a friend’s parent six months after her birthday. She discovered the Share Foundation, a charity that helps reconnect youths with their funds, and located a NatWest account bearing her name.“I had £700 sitting in my bank and thought, ‘What is going on?’ My sister also had one but never knew how to access it,” she recalled. The sisters plan to use the money to support university expenses and repay debts, underscoring the tangible impact of the scheme.The CTF programme was launched by the Labour government in 2005 to encourage parental savings. Every child received a £250 government contribution, with an additional £250 for those from low‑income families or in local authority care. Parents could add up to £9,000 per year, and any investment gains accrued until the child turned 18.If a parent failed to open an account within 12 months of birth, HMRC would create one on the child’s behalf. Today, the average value of a CTF stands at about £2,200.More than two‑thirds of the six million original recipients are now over 18 and eligible to claim their funds, with HMRC‑allocated accounts representing 28 % of all CTFs.Geographically, the North‑East of England has the highest concentration of HMRC‑allocated accounts, totalling £48 m. Across the UK, youths from the most disadvantaged 15 % of families hold accounts averaging £2,900 in value.Gavin Oldham, chief executive of the Share Foundation, warned that the scheme is hampered by poor communication, limited financial education, and “policy neglect”. He indicated the charity is considering a judicial review to compel the government to release the unclaimed assets.Oldham noted that the charity has already linked “well over 100,000 accounts to young adults”, yet the “sheer quantum of these unclaimed accounts remains a major problem”.“It is strange to find a government which expresses concern over youth poverty while doing so little to deliver on a groundbreaking scheme,” Oldham added.The charity’s proposal to release HMRC‑allocated funds automatically at 21 would free roughly £500 m, including £350 mOldham cautioned that a legal challenge, while potentially successful, could delay payouts for years, leaving vulnerable youths “denied their birthright for far too long”.Beyond immediate release, the Share Foundation is urging the creation of a new, targeted scheme for low‑income youths that embeds a financial‑awareness component, allowing participants to top up their funds through education‑linked incentives.Labour MP Laura Kyrke‑Smith echoed these concerns, describing the CTF system as “confusing and opaque” and calling for proactive tracing of account holders and clearer public information.HMRC responded that it is “directly sending every eligible young person information to help them find their child trust fund”, while also raising awareness via social media, broadcast interviews, and an online tracing tool. The agency added that banks, building societies, and investment firms managing the funds share responsibility for communicating with account holders.

Match details: Real Madrid will host Bayern Munich at the Santiago Bernabeu on Tuesday, 7 April, kick‑off at 21:00 GMT, in the first leg of the Champions League quarter‑finals. Bayern, under Vincent Kompany, arrive in Madrid riding a wave of confidence, having dispatched Atalanta 10‑2 on aggregate in the last‑16 and gone 14 matches without defeat since a January loss. Harry Kane’s potential comeback adds extra intrigue. The England striker, who has netted 48 goals in 40 games across all competitions this season, missed Bayern’s 3‑2 Bundesliga win at Freiburg with an ankle problem. Joshua Kimmich quipped that Kane “would play in a wheelchair,” while Kompany expressed a “feeling” that the striker will be fit for Tuesday. Despite Real’s storied pedigree – 15‑time European champions featuring stars such as Kylian Mbappé, Vinícius Júnior and Jude Bellingham – many analysts view Bayern as the slight favourites, citing their aggressive, high‑pressing approach and the recent form of newcomers Michael Olise and Luis Diaz. Real Madrid, meanwhile, grapple with a spate of injuries. Thibaut Courtois is sidelined with a thigh issue, handing Andriy Lunin the starting goalkeeper role. Rodrygo is also out, while Ferland Mendy and Dani Ceballos remain doubtful. Midfielder Federico Valverde is expected back after serving a suspension, and Jude Bellingham may start on the bench as he recovers from a hamstring strain. Coach Álvaro Arbeloa downplayed the recent La Liga defeat to Mallorca, insisting it will not affect the team’s performance in Europe. He stated, “I know what my players are capable of, and they understand the importance of Tuesday’s game.” Bayern’s side will also miss several players through injury – goalkeepers Sven Ulreich and others – while a final fitness test will determine whether Kane can lead the line. If he is unavailable, Nicolas Jackson is slated to spearhead the attack. Predicted line‑ups (subject to change):Real Madrid – Lunin; Alexander‑Arnold, Rüdiger, Huijsen, Carreras; Valverde, Tchouaméni, Pitarch, Güler; Mbappé, Vinícius Jr.Bayern Munich – Neuer; Stanisic, Upamecano, Tah, Laimer; Kimmich, Goretzka; Olise, Gnabry, Díaz; Kane. The Bernabeu atmosphere is expected to be a decisive factor. Bayern veteran Karl‑Heinz Rummenigge warned that the stadium’s “hurricane” of fans demands “nerves of steel” from both sides. Historically, the two clubs have met 28 times, each securing 12 victories with four draws. Recent head‑to‑head encounters have favored Madrid, including a 2‑1 win in the 2024 semi‑finals. Bayern hope to rewrite that narrative after their 2012 triumph over the Spanish giants. With both teams boasting a blend of experience and emerging talent, the first leg promises a tactical battle that could set the tone for the remainder of the tournament.

The recent conflict between Israel and Iran has highlighted the consequences of Israeli Prime Minister Benjamin Netanyahu's promise of an 'easy' war. When Netanyahu met with US President Donald Trump at Mar-a-Lago in December, he came with an appeal and a subtle inducement.Netanyahu had suggested a final benefit to Trump: defeating Iran would allow Israel to wean itself off its massive reliance on US military aid. However, the reality of the conflict has been far from easy, with Iran's resilient regime and the ongoing Middle East war showing no signs of abating.The conflict has also had significant implications for global diplomacy, with Emmanuel Macron reflecting a widespread view that US and Israeli strikes on Iran would not provide a durable solution to Tehran's nuclear program. The war has undermined Nato and potentially emboldened China, Russia, and North Korea.The conflict has also led to a decline in support for Israel globally, with polls showing a decline in support for Israel across the political spectrum in the US, particularly among Democrats and young voters. A Gallup survey released recently showed that Americans are more sympathetic to Palestinians than Israelis for the first time since Gallup began measuring that question in 2001.

The recent commentary on Donald Trump's presidency has highlighted a critical concern: the world cannot afford to wait for him to leave office. Trump's administration has effectively eroded central tenets of the US legal and civic structure, rendering the traditional checks and balances on political power ineffective.Waiting for the downfall of one individual raises two crucial questions. Firstly, will others with similar politics simply take his place? Secondly, if the country and the world wish to move in a different direction, when can we expect to see a plan?It is essential to remember that changes brought about by Trump's presidency cannot always be easily abolished or replaced. The implications of his actions, and those of his administration, are far-reaching and have significant consequences for global stability.Some argue that faith in the November midterm elections may be too optimistic, as Trump and his administration are already preparing to undermine them. The concern is that he will not allow himself to lose.Others suggest that the media and public have a role to play in puncturing Trump's pride and casting doubt on his legacy. Keeping a running count of the death toll of civilians, children, aid workers, and journalists killed since his presidency began could be one way to hold him accountable.The situation has drawn comparisons to the fall of the Roman Empire, with some warning that the current instability could lead to a similar collapse of political structures. As such, there is an urgent need for a plan to address the consequences of Trump's actions and to work towards a more stable future.

Conservationists and scientists have warned that the Minerals Council of Australia’s proposal to employ artificial intelligence for faster national environmental approvals could generate “Robodebt‑style” failures, further endangering already vulnerable species.The council has asked the federal government to allocate $13 million for a pilot that would use AI to help companies draft assessment applications and assist regulators in decision‑making.The Biodiversity Council – a consortium of independent experts from eleven universities – told Guardian Australia that while AI may assist with routine tasks, automating whole environmental assessments could lead to opaque, flawed decisions that push threatened species closer to extinction.“Robodebt” refers to the automated welfare‑debt recovery scheme that, between 2015 and 2019, wrongly accused hundreds of thousands of Australians of overpayments, highlighting the danger of opaque algorithmic judgments.Lis Ashby, the Biodiversity Council’s lead on policy and innovation, noted that the cornerstone of Australia’s environmental protection, the Environment Protection and Biodiversity Conservation (EPBC) Act, is riddled with vague language and broad ministerial discretion, which hampers rule‑based decision‑making and would be even more problematic for an AI tool.She added that establishing clear rules in the National Environmental Standards, including explicit definitions of unacceptable outcomes, would accelerate assessment times even without AI and is essential for any future automation.Brendan Sydes, national biodiversity policy adviser at the Australian Conservation Foundation, expressed scepticism, stating that “technology can be a good servant but a poor master.” He urged the government to focus on closing existing data gaps on threatened species and habitats rather than relying on AI.Prof. David Lindenmayer, a forest ecologist at the Australian National University and Biodiversity Council member, highlighted that one‑third of Australia’s threatened species have not been monitored and many others suffer from patchy data, gaps traditionally filled by expert consultation.He warned that AI decisions are only as reliable as the data they are fed, and most threatened species lack publicly available information, even basic location data, risking decisions based on outdated or incomplete evidence.The Albanese government recently passed reforms to the EPBC Act after a 2020 review found the legislation failing to protect species and habitats.Prof. Hugh Possingham, a leading conservation biologist at the University of Queensland, argued that AI models need robust training material, and the past two decades of EPBC approvals are “clearly unsuitable” because the Act has demonstrably failed to safeguard the environment. He suggested that hiring more human assessors would be a more effective way to speed up evaluations.Tania Constable, chief executive of the Minerals Council, dismissed the Robodebt comparison as “disappointing,” insisting the proposal is innovative and could strengthen environmental protection while improving efficiency. She said the AI tools would support human decision‑making for both regulators and project proponents, helping navigate the complexity of EPBC assessments.A federal government spokesperson said budget decisions on the AI trial will be made “in due course,” but the environment department is exploring how AI could simplify application processes. The statement emphasized that “decisions about whether to approve projects must, and will, always be made by assessment officers, not by AI.”Nonetheless, officials acknowledged that AI tools have the potential to save time, reduce uncertainty, and translate technical language for stakeholders.

Billy Livsey, an American musician who arrived in England in the 1970s, transitioned from touring with Slim Chance and Gallagher & Lyle to writing hits for Shakin’ Stevens, Elkie Brooks and Paul Young before being tapped to write for the teen pop group Five Star. In the mid‑80s Livsey co‑wrote the chart‑topping single “System Addict” with Gary Bell, and a few months later his publisher suggested a partnership with lyricist Peter Sinfield. After a brief exchange of a rough melody, Sinfield asked Livsey to pen the words over the phone, resulting in the lyric sheet for what would become “Rain Or Shine.” The demo featured the renowned session vocalist Tessa Niles, whose résumé includes touring with The Police and singing on Eric Clapton’s “Layla” on his Unplugged album. Livsey recalls that her effortless delivery set the tone for the final recording. Recording took place at London’s iconic Mayfair Studios, a venue that had hosted legends such as George Michael and Tina Turner. Livsey admits he “stole” a sequencer fragment from Donald Fagen’s “New Frontier” to give the track a subtle, progressive‑pop edge. Five Star’s lead vocalist Deniece Pearson remembers the demo’s female vocal as a revelation compared to an earlier male‑sung version of “All Fall Down.” Her father and manager, Buster Pearson, urged her to “listen to the lady on the demo and articulate your words.” Because she was wearing braces, Deniece deliberately over‑enunciated to keep the metal from sticking to her lips – a quirky detail she still laughs about. Studio sessions were far from smooth. Frequent electrical glitches prompted Livsey to joke, “Gremlin. Gremlin.” Yet he remained confident, insisting that such hiccups often precede a hit record – a prediction that proved accurate. Upon release, “Rain Or Shine” became a staple of Five Star’s live repertoire, earning spots on Top of the Pops, the Royal Variety Performance and the Miss World stage. During a tour, a fan pulled Deniece into the audience pit, only to be rescued by her “hunky Italian” security guard, a moment she now recounts with affection. Today the song closes the group’s concerts as an encore, with audiences singing along and often moving Deniece to tears. She credits Livsey’s melodic craftsmanship, noting that the 80s songwriting formula – a strong melody followed by soaring vocals – remains the song’s enduring charm.

The Guardian’s weekly podcast roundup highlights a varied selection of new audio series, offering listeners everything from light‑hearted celebrity banter to hard‑hitting investigative journalism.Funny You Ask – In a delightfully candid moment, Mindy Kaling exclaims, “Oh, this is a quizshow?!” upon hearing Ike Barinholtz’s latest podcast, which blends trivia with rambling conversation about topics as eclectic as Chevy Chase and New Jersey Italian cuisine. The show positions itself as a breezy, low‑stakes alternative to the crowded celebrity‑interview market.Assume Nothing: What Happened to Mary Glasgow? – Host Nathan Edgar revisits the 1991 tragedy at Stradreagh mental hospital, where nursing assistant Mary Glasgow died after a patient altercation. Through interviews with Glasgow’s daughter Emma, the series treats the case as both a detective narrative and a memorial, probing whether the incident was an isolated mishap or a symptom of systemic failures.Single Ladies in Your Area – Comedians Amy Gledhill and Harriet Kemsley continue their third series, a witty exploration of 30‑something singledom. Recent guests have included Jameela Jamil and Catherine Bohart, who discuss topics ranging from “mean flirting” to the quirks of a “lesbian louche life.”The Overturn – Partnering with the Future Justice Project charity, Marnie Duke examines potential wrongful convictions, notably the case of former sub‑postmaster Robin Garbutt, imprisoned for his wife’s murder. The series asks whether the broader Post Office scandal could cast doubt on the prosecution’s narrative.Amityvilleville – Host Alex Goldman (of Hyperfixed and Reply All) teams up with Vice writer Caroline Thompson to watch all 91 films inspired by the Amityville haunting, beginning with the 1979 classic The Amityville Horror. Their commentary blends humor with genuine enthusiasm for the genre’s most bizarre entries.

House of Gloss invites viewers into the modest flat of Opal and Lana, a young trans femme couple living in Dundee. The walls are lined with photographs of spontaneous outings and vibrant sketches by Lana, a graffiti artist, while Opal’s makeup table holds an array of wigs that enable her drag performances after dark. Despite confronting pervasive discrimination outside, the couple’s home functions as a sanctuary of affection and mutual support.Director Mark Lyken adopts a gentle, slice‑of‑life visual style that feels less like a documentary and more like a personal visit. Intimate close‑ups and domestic scenes—cooking together, washing dishes—elevate ordinary moments into powerful expressions of love, especially given the pair’s history of family rejection. These simple gestures, captured with quiet reverence, underscore the resilience of their bond.The film also challenges conventional notions of family and home. In a striking sequence, Opal walks to a venue in full drag, confronting jeers and hostile stares that reveal lingering intolerance. By contrast, the documentary showcases the liberating atmosphere of queer club nights: neon lights, Lana at the DJ deck, and Opal dancing amid pulsating electronic beats. These scenes illustrate how safe, communal spaces serve as a vital “chosen family” for LGBTQ individuals.House of Gloss premieres on the True Story platform on 10 April, offering audiences a tender yet candid portrait of a modern queer partnership navigating love, identity, and community.