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==Please visit link above for sample details== The man who first blew the whistle on dubious practices at the Commonwealth Bank (CBA) has condemned the appointment of the bank's new chief executive, Matt Comyn, saying it is a deliberate statement that the bank does not want to change.
"I think it's absolutely an indication that the culture hasn't changed," Jeff Morris told 7.30.
"This is a deliberate statement that they don't want it to change, that they want it to stay the same, that they want to continue putting profit before people regardless of the cost, and that basically they don't seem to be that worried about the damage that they've done to their reputation so far."
How Matt Comyn got top job
Matt Comyn was CBA's golden child but many thought he suffered a career mortal wound after a scandal last year. But this is how he got the bank's top job, writes Carrington Clarke. Before his appointment as CEO, Mr Comyn was head of retail banking.
In that role he was caught up in one of the CBA's scandals last year, after AUSTRAC accused the bank of breaching money laundering regulations more than 50,000 times.
"Matt Comyn was a member of the senior management committee of the Commonwealth Bank, so he has been a party to ... the way that they have handled these scandals for the past several years," Mr Morris said.
He believed the board had failed in its duty and missed an opportunity to make a fresh start by appointing an outsider with a mandate to make any changes thought necessary.
"They've done nothing about the scandals, they've done nothing to put things right, they have endorsed the management that have delivered these scandals," he said.
"And they've now re-endorsed that management by appointing a member of that management team as the new CEO.
"Frankly, it's the board of CBA that now needs to change."
Banking royal commission 'almost laughable' Bank whistleblower, Jeff Morris, interviewed by 7.30. 30 January 2018 PHOTO: Bank whistleblower Jeff Morris says the Commonwealth Bank has missed a chance to change its culture. (ABC News) Mr Morris first tried to expose a culture of cover-up of rogue financial planners at the Commonwealth Financial Planning in 2008, shortly after
joining the institution, when he and two colleagues sent a fax outlining their concerns to the Australian Securities and Investments Commission (ASIC).
With no response from the financial regulator, he spent the next three years battling the CBA and regulators to have his concerns heard.
Eventually his efforts led to a parliamentary inquiry and now a royal commission into the banks.
But the experience left him with little faith in the corporate regulator.
"It's a decade since I started trying to do something about that, and now ASIC are running around saying that they've discovered all these problems, which I was trying to tell them about 10 years ago and they refused to act on," Mr Morris said.
And he does not have high hopes for the royal commission.
"My concern with the royal commission is it's not actually meant to achieve anything," he said.
"The Government and the banks have been quite open about the collusion in nobbling the terms of reference of the royal commission, limiting those terms of reference.
"It's almost laughable that they would put a 12-month time frame on this and only appoint one commissioner.
"The royal commission into child abuse has six commissioners and ran for five years.
"I think the mess in the financial services industry frankly would justify a similar commitment."
And Mr Morris thinks it is quite possible there will more to bad news to come out about CBA, whether through the royal commission or not, because of the bank's "fundamentally rotten culture".
"As long as you have a culture like that, that cuts corners and doesn't place any premium on ethics or governance, you will continue to have scandals," he said. When you google "weight loss", the challenge to sort fact from fiction begins.
These five supplements claim to speed up weight loss — but let's see what the evidence says.
1. Raspberry ketones Raspberry ketones, sold as weight loss tablets, are chemicals found in red raspberries that are responsible for that distinct raspberry flavour and smell.
You can also make raspberry ketones in a lab.
A study in obese rats found raspberry ketones reduced their total body fat content. In one study, 70 adults with obesity were put on a weight loss diet
and exercise program, and randomised to take a supplement containing either raspberry ketones, or other supplements such as caffeine or garlic, or a placebo.
Only 45 participants completed the study. The 27 who took a supplement lost about 1.9kg, compared to 400g for the 18 in the placebo group.
The drop-out rate was so high that these results need to be interpreted with a lot of caution.
A small pilot study of five adults found no effect on weight when the participants were told to maintain their current eating and exercise patterns and just took supplements of 200mg/day of raspberry ketones.
Concerns have been raised about potential toxic effects of raspberry ketones on the heart and for reproduction.
Verdict: Fiction! Leave the raspberry ketone supplements on the shelf. Spend your money on foods that contain them, including fresh berries, kiwifruit, peaches, grapes, apples and rhubarb.
A close-up image of raspberries. PHOTO: You're better off buying fresh berries rather than raspberry ketone supplements. (Flickr: Liz West, CC BY 2.0) 2. Matcha green tea powder Matcha is a green tea made from leaves of the Camellia sinensis, or tea plant, but it is processed into a green powder and can be mixed into liquids or food.
Before the leaves are harvested, the tea plant is put in the shade for a few weeks, which increases the content of theanine and caffeine.
No studies have tested the effect of matcha on weight loss.
A review of six studies using green tea preparations for weight loss over 12 weeks found a difference based on country.
In studies conducted outside of Japan, people consuming green tea did not lose more weight than controls.
In the eight studies conducted within Japan, the mean weight loss ranged from 200g to 3.5kg in favour of green tea preparations.
Verdict: Fiction! There are currently no studies testing whether matcha tea accelerates weight loss.
3. Garcinia cambogia supplements Garcinia Cambogia is a tropical fruit that contains a large amount of Hydroxycitric Acid (HCA), touted to aid weight loss.
In animal studies, HCA interferes with usual production of fatty acids.
If this was transferred to humans it could theoretically make it harder to metabolise fat and speed up weight loss. Research studies in humans show this is not the case.
While one 12-week trial in overweight women randomised them to a low kilojoule diet with or without HCA, and found the HCA group lost significantly more weight (3.7kg compared to 2.4kg for placebo), two other trials found no difference in weight loss.
A 12-week trial in 135 men and women found no difference in weight loss between the HCA group (3.2kg) and the placebo group (4.1kg).
A 10-week trial in 86 men and women who were overweight and randomised to take either Garcinia Cambogia extract or placebo, but were not also put on a weight-loss diet, found minimal weight loss of 650g versus 680g, with no difference between groups.
Verdict: Fiction! Garcinia cambogia does not accelerate weight loss.
A pile of matcha green tea powder. PHOTO: Matcha green tea powder is often marketed as a weight loss aid. (Flickr: Matthew Hadley, CC BY 2.0) 4. Caffeine supplements Caffeine is claimed to increase your metabolic rate and therefore speed up weight loss.
Research studies in volunteers of a healthy weight found an increase in metabolic rate, but it depended on the dose.
The more caffeine supplements consumed, the more the metabolic rate went up.
The lowest caffeine dose of 100mg, the amount in one instant coffee, increased the average metabolic rate by nine calories per hour, while the 400mg dose, which is roughly equivalent to the caffeine found in two to three cups of barista-made coffee, increased metabolic rate by about 34 calories per hour over three hours.
When adults with obesity were given caffeine supplements at a dose of 8mg per kilo of body weight, there was an increase in metabolic rate of about 16 per cent for up to three hours.
In a study in which adults with obesity were asked to follow a weight-loss diet, then randomised to receive either 200mg caffeine supplements three times a day for 24 weeks or a placebo supplement, there was no difference in weight change between groups.
For the first eight weeks, the group taking caffeine supplements experienced side-effects of insomnia, tremor and dizziness.
Verdict: Fiction! While caffeine does speed up the body's metabolic rate in the short-term, it does not speed up weight loss.
5. Alkaline water Alkalising products are promoted widely. These include alkaline water, alkalising powders and alkaline diets.
You're supposed to measure the acidity of your urine and/or saliva to "assess" body acidity level. Urine usually has a slightly acidic pH (average is about pH6) — vegetables and fruit make it more alkaline, while eating meat makes it less so.
Saliva has a neutral pH of 7. Alkaline diets recommend you modify what you eat based on your urine or saliva pH, claiming a more alkaline pH helps digestion, weight loss and well-being.
But your stomach is highly acidic at a pH less than 3.5, with this acid helping breakdown food.
It then moves into the small bowel for digestion and absorption where the pH increases to 4.5-5.0, which is still acidic.
Your body has finely controlled pH balancing mechanisms to make sure your blood pH stays between 7.35-7.45. If it did not, you would die.
On the positive side, alkaline diets encourage healthier eating by promoting plant based foods such as fruit and vegetables.
There is some evidence lower intakes of foods of animal origin that contribute to acid load are associated with better long-term health.
Verdict: Fiction! There is no scientific evidence to support alkaline water or powders speeding up weight loss.
Clare Collins is professor in nutrition and dietetics at the University of Newcastle.
Lee Ashton is a postdoctoral research fellow at the University of Newcastle.
Rebecca Williams is a postdoctoral researcher at the University of Newcastle.
Originally published in The Conversation
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