WWW.THESIS.DISLIB.INFO
FREE ELECTRONIC LIBRARY - Online materials, documents
 
<< HOME
CONTACTS



Pages:     | 1 |   ...   | 69 | 70 || 72 | 73 |   ...   | 78 |

«COMMERCIAL RADIO INQUIRY Report of the Australian Broadcasting Authority Hearing into Radio 2UE Sydney Pty Limited February 2000 Sydney ISBN 0 642 ...»

-- [ Page 71 ] --

There are certain features of the advertisement which are associated in the minds of listeners with advertising or advertisements. In particular, the name of the company is clearly stated on a number of occasions.

There is insufficient evidence of the content of the broadcast.

Laws uses RAMS’ well kno0wn advertising catch phrase ‘give RAMS a call’.

The Panel’s Finding The Panel agrees with the submission of Mr Laws that ‘the public interest is satisfied as long as it is, as a whole, identified as an advertisement’. However, the Panel does not believe that these broadcasts (the RAMS live reads) are, as a whole, sufficiently identifiable as advertisements.

The Panel does not accept the submissions from either Mr Laws or 2UE that listeners would be able to recognise this broadcast as an advertisement. In the opinion of the Panel the broadcast has elements that make it difficult to distinguish it from other broadcast matter.

RAMS.0008.0120 RAMS.0005.0495 The repeated mention of the name of an organisation during a broadcast does not necessarily indicate that the broadcast is an advertisement for that organisation. A phrase such as ‘give RAMS a call’ can be used conversationally and is not immediately recognisable as a catch phrase or slogan.

The Panel does not accept 2UE’s submission that ‘there is insufficient evidence of the content of the broadcast’. The Panel accepts that the above script of 1 August 1997 is an accurate record of the broadcast in question. A Marketing and Advertising Report obtained from RAMS indicates that the broadcast entitled ‘Interest Rate Cut’ went to air on 1 August 1997.

In his statement submitted to the hearing, Greg Jones of RAMS stated that:

RAMS required that the scripts be strictly adhered to by the presenters. The advertisements which Laws read as live reads on his program, or recorded for use on other programs on 2UE or elsewhere, followed scripts which I prepared, or which were prepared by RAMS’ advertising agency.

For the following reasons the Panel finds that the matter broadcast is an advertisement:

♦ it is calculated or designed to promote RAMS by being mainly concerned with highlighting the performance of RAMS with respect to passing on cuts in interest rates and by favourably comparing RAMS to the banks in this regard; and ♦ valuable consideration was provided to Mr Laws by RAMS.

The Panel also notes that in its submission, 2UE considered this broadcast to be an advertisement.

For the following reasons the Panel finds that this advertisement has been presented as an ‘other program’, in this case a current affairs program:

♦ it has the characteristics and content of a current affairs program; and ♦ it appears to be concerned with matters relating to social and economic issues of relevance to the community, namely interest rates and interest rates cuts.

The Panel finds that 2UE breached clause 3.1(a) of the Codes.

FEES ARE GOOD FOR YOU

Material Provided to Mr Laws The following live read script, dated 7 August 1997 and entitled ‘ Fees are good for you’,

was provided to Mr Laws by RAMS:

There was a remarkable line in the Sunday Telegraph the other day. It said, ‘Higher bank charges are good for you.’ It was in an article written by their financial editor, Terry McCrann. ‘Higher bank charges are good for you.’ Now, it’s not as silly as it first appears, but it’s a bit of a worry. You see, I think the banks are softening us up to accept new fees, bigger fees… more fees.

There’s St George who are running training courses for their staff on how to educate customers that fees are good for them. It’ll have to be a great course, won’t it? And the National Bank admitted the other day that their fees are going up and customers will have to learn to love them Incredible.

But getting back to the Terry McCrann article in the Telegraph. There is sense in his argument which goes like this: Banks used to make their profits on the interest margins they charged on home loans, personal loans, business overdrafts, business loans and so on. (And didn’t they make some beauties? Remember Christopher Skase and Alan Bond.) Well the argument now is that, because of companies like RAMS Home Loans,… because of competition,…they can’t make their profits on margins, so they have to charge more fees.

People should pay fees for services the banks provide because otherwise all the other customers end up subsidising them.

Well this all sounds reasonable doesn’t it? But I have a couple of questions. For the banks. For Terry McCrann.

How much profit is enough profit? How high will fees have to be for the National to continue making 2 billion dollars profit a year?

And when are the banks going to stop closing branches, sacking staff and withdrawing services from their customers, and start sending some of those profits back the other way?

It’s not good enough to say they have to make profits for shareholders; what about the customers? Higher bank fees are good for you? I don’t think so.1151 Material Broadcast by Mr Laws RAMS Marketing & Advertising Report - Media Advertising Activity indicates that on 7 August 1997 Mr Laws broadcast the live read script entitled ‘Fees are good for you’.





The Panel’s Finding

For the following reasons the Panel finds that the matter broadcast is an advertisement:

♦ it is calculated or designed to promote RAMS by being mainly concerned with highlighting the performance of RAMS with respect to fees and charges and by favourably comparing RAMS to the banks in this regard; and ♦ valuable consideration was provided to Mr Laws by RAMS.

The Panel notes that in its submission, 2UE considered this broadcast to be an advertisement.

For the following reasons the Panel finds that this advertisement has been presented as an ‘other program’, in this case a current affairs program:

♦ it has the characteristics and content of a current affairs program; and ♦ it appears to be concerned with matters relating to social and economic issues of relevance to the community, namely bank fees and charges.

The Panel finds that 2UE breached clause 3.1(a) of the Codes.

–  –  –

SOCIAL CONTRACT BROADCAST

Material Provided to Mr Laws The following live read script, dated 7 August 1997 and entitled ‘Social Contract’, was

provided to Mr Laws by RAMS:

There’s been an unwritten social contract in this country for about 100 years between the banks

and the community. What it says is this:

You’re a bank, we grant you a banking licence, so you have the privilege of being able to accept people’s deposits, make loans, make profits.

In return, you should look after our money, lend at a fair rate, and provide a reasonable banking service to all Australians.

Now, I may be looking through rose coloured glasses, but this seemed to work pretty well for many years. But now I wonder.

The financial world changed with deregulation and the lending mistakes the banks made in the 1980’s.

Suddenly the banks had lost money. A lot of money.

They needed to get it back – and they have – through the interest they charged on home loans, credit cards and other kinds of loans. Home loan rates were much, much higher before companies like RAMS came on the scene.

The Big Four banks have all made billion dollar profits in the past couple of years. The National Bank seems to consider $2 billion pretty much what it should make every year. And now the NAB is saying it should be allowed to take over one of the other banks. It says this is the best way to compete with giant overseas banks. It says we need a ‘superbank’ in Australia.

So there you have it. That’s the new social contract the banks want:

You, the customers, pay more fees and charges. We continue to make our massive profits. We close branches, sack staff and force you to use ATMs. And we gobble up the competition.

–  –  –

My advice is to get yourself a home loan from RAMS, and arrange your affairs so you use the banks as little as possible. Maybe when they have to compete harder, they’ll try harder to look after us.1152 Material Broadcast by Mr Laws RAMS Marketing & Advertising Report - Media Advertising Activity indicates that on 7 August 1997 Mr Laws broadcast the live read script entitled ‘Social Contract’.

–  –  –

The Panel’s Finding

For the following reasons the Panel finds that the matter broadcast is an advertisement:

♦ it is calculated or designed to promote RAMS by being mainly concerned with highlighting the performance of RAMS against the banks with respect to fees and charges, profits earned by the banks, branch closures, etc.; and ♦ valuable consideration was provided to Mr Laws by RAMS.

The Panel also notes that, in its submission, 2UE considered this broadcast to be an advertisement.

For the following reasons the Panel finds that this advertisement has been presented as an ‘other program’, in this case a current affairs program:

♦ it has the characteristics and content of a current affairs program; and ♦ it appears to be concerned with matters relating to social and economic issues of relevance to the community, namely the banking industry and its place in Australian society.

The Panel finds that 2UE breached clause 3.1(a) of the Codes.

ATM USAGE Material Provided to Mr Laws The following live read script, dated 15 August 1997 and entitled ‘ATM usage’, was

provided to Mr laws by RAMS:

The ATM, the Automatic Teller Machine, - so you shouldn’t say ‘ATM Machine’ should you?

Because that would be ‘Automatic Teller Machine Machine’,… ATMs, the computerised money dispensers in the wall of the bank, are now used more often than branch visits to a bank, building society or credit union.

Yes, folks, the banks have got you. 23 per cent of transactions now go through ATMs. That’s according to the Roy Morgan Research people who did a survey in September 1996. Only 16% of transactions are done by you walking in to your bank or building society and talking to the human being on the other side of the counter. Not that there are many building societies left, are there? The banks have gobbled most of them up, or they turned into banks themselves. And companies like RAMS have pretty much replaced them with a better way of getting a home loan.

It’s no wonder the banks are keen to bump up ATM fees is it? The more we use them, the more the temptation grows to nudge up the charges a little bit all the time.

Now, I’m not suggesting we shouldn’t pay for the convenience of using an ATM – we won’t have much choice soon, the way they’re closing down branches – but this is all part of the bank’s tactics to make fees their major source of profit. Fees are what puts a smile on the face of every banker.

Don Argus, he’s the head of the National Bank,… he says he wants fees to contribute 50 per cent of the bank’s profit. Half their profits from fees. Now, let’s do a little figuring here. The National Bank made a profit of 2 billion dollars last year and they’ll do it again this year. So… half of 2 billion is 1 billion. That’s what the NAB wants to make out of you in fees – a cool one billion dollars profit. So whenever you have anything to do with a bank from now on, the first thing you have to ask them is ‘what about fees?’ You can get a RAMS Home Loan and they’ll charge you no on going fees whatsoever. Never have. Beats me why anyone would go to a bank for a home loan.1153 Material Broadcast by Mr Laws RAMS Marketing & Advertising Report - Media Advertising Activity indicates that on 15 August 1997 Mr Laws broadcast the live read script entitled ‘ATM usage’.

The Panel’s Finding

For the following reasons the Panel finds that the matter broadcast is an advertisement:

♦ it is calculated or designed to promote RAMS by being mainly concerned with highlighting bank fees and charges and the closure of bank branches in favour of ATMs.

The performance of RAMS with regard to these two issues is compared favourably with that of the banks; and ♦ valuable consideration was provided to Mr Laws by RAMS.

The Panel also notes that in its submission, 2UE considered this broadcast to be an advertisement.

For the following reasons the Panel finds that this advertisement has been presented as an ‘other program’, in this case a current affairs program:

♦ it has the characteristics and content of a current affairs program; and ♦ it appears to be concerned with matters relating to social and economic relevance to the community, namely bank fees and the closure of bank branches in favour of ATMs.

The Panel finds that 2UE breached clause 3.1(a) of the Commercial Radio Codes of Practice WESTPAC DOWN TO 16% Material Provided to Mr Laws The following live read script, dated 22 August 1997 and entitled ‘Westpac down to 16%’,

was provided to Mr Laws by RAMS:



Pages:     | 1 |   ...   | 69 | 70 || 72 | 73 |   ...   | 78 |


Similar works:

«HOW TO PREACH PEACE (Without Being Tuned Out) Written by the Rev. Richard G. Watts Originally published in The Pastor’s Letter, Volume 2, Number 10 (October 1981) Revised by the Rev. W. Mark Koenig, July 2003 Preaching peace does not seem all that controversial. After all, who is against peace? But what if a preacher tries to get specific about Jesus’ call for us to be not only peace lovers but also peacemakers? What if one’s commitment to peace in Christ leads to asking if the “war on...»

«LITERARY JOURNALISM AT SPORTS ILLUSTRATED: DAN JENKINS, FRANK DEFORD AND ROY BLOUNT, JR. By TED GELTNER A THESIS PRESENTED TO THE GRADUATE SCHOOL OF THE UNIVERSITY OF FLORIDA IN PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR THE DEGREE OF MASTER OF ARTS IN MASS COMMUNICATION UNIVERSITY OF FLORIDA Copyright 2006 by Ted Geltner ACKNOWLEDGMENTS I would like to thank my supervisory committee for their support and guidance during the writing of this thesis. I would also like to thank the subjects of...»

«A militância das palavras: a imprensa católica de esquerda no pré-golpe de 1964 Wellington Teodoro da Silva Como as autoridades de Washington devem certamente estar conscientes, está ocorrendo nesse país uma guerra política de grande importância, que determinará sua orientação doméstica e externa e, com ela, a maior parte do continente. (Lincoln Gordon. Embaixador norte-americano no Brasil em telegrama enviado ao Departamento de Estado em 03/10/1962). I O jornal Brasil, Urgente...»

«A Walk in The Way Holy Week Year A, 2014 Terracotta Angel, c. 1896, Watts Chapel, Compton, England ~labyrinthos.net Receive our thanks for night and day, for food and shelter, rest and play. Be here our guest, and with us stay, saranam, saranam, saranam. For this small earth of sea and land, for this small space on which we stand, for those we touch with heart and hand, saranam, saranam, saranam. In the midst of foes I cry to Thee, from the ends of the earth, wherever I may be, My strength in...»

«Filing # 28164710 E-Filed 06/05/2015 04:16:32 PM IN THE CIRCUIT COURT OF THE EIGHTEENTH JUDICIAL CIRCUIT IN AND FOR SEMINOLE COUNTY, FLORIDA CASE NO: 2012-CA-2181-10-G CARLOS DIEZ-ARGUELLES, AS PERSONAL REPRESENTATIVE OF THE ESTATE OF MANUEL BRINGAS-MEJIA, AND RAFAEL JAIMES-MEJIA, Plaintiffs, vs. CHEMWAPUWA AKILAH JACKSON AND REDLANDS CHRISTIAN MIGRANT ASSOCIATION, INC., Defendants. / PLAINTIFFS’ MEMORANDUM IN OPPOSITION TO DEFENDANT, REDLANDS CHRISTIAN MIGRANT ASSOCIATION, INC.’S MOTION TO...»

«Global Access to the Internet for All J. Saldana, Ed. Internet-Draft University of Zaragoza Intended status: Informational A. Arcia-Moret Expires: September 7, 2015 University of Cambridge B. Braem iMinds E. Pietrosemoli ICTP A. Sathiaseelan University of Cambridge M. Zennaro Abdus Salam ICTP March 6, 2015 Alternative Network Deployments. Taxonomy, characterization, technologies and architectures draft-irtf-gaia-alternative-network-deployments-00 Abstract This document presents a taxonomy of...»

«Munich Personal RePEc Archive Structural Change in Distribution Markets in Peripheral Europe: Spanish Food Retailing, 1950-2007 J. Carles Maixe-Altes and Rafael Castro Balaguer Universidade da Coru˜a, Universidad Aut´noma de Madrid n o August 2013 Online at http://mpra.ub.uni-muenchen.de/49570/ MPRA Paper No. 49570, posted 8. September 2013 19:36 UTC Uppsala Centre for Business History (UCBH) European Business History Association Congress Innovation and growth 22‐24 August 2013   Session...»

«CENTER ON MI GRATI ON, CITI ZENSHI P AND DEVELOPMENT Ludger Pries* Transnationalism: Trendy Catch-all or Specific Research Programme? A Proposal for Transnational Organisation Studies as a Micro-macro-link* Paper presented at the conference on ‘Transnationalisation and Development(s): Towards a North-South Perspective’, Center for Interdisciplinary Research, Bielefeld, Germany, May 31 June 01, 2007 COMCAD Arbeitspapiere Working Papers No. 34, 2007 * University of Bochum. ** The final...»

«UNITED STATES BANKRUPTCY COURT EASTERN DISTRICT OF NEW YORK In re: Case No. 8-04-84807-reg STEWART ADLER, Chapter 7 Debtor. LISA NG and CHARMING TRADING COMPANY, Plaintiffs, Adv. Pro. No. 05-8559-reg against -STEWART ADLER, Defendant. DECISION AFTER TRIAL Before the Court is the issue of whether the Plaintiffs, Ms. Lisa Ng (“Ms. Ng”) and a Hong Kong corporation of which she was the principal, Charming Trading Company (“Charming Trading”), have proven by a preponderance of the evidence...»

«THE NEO-CLASSIC 300B PREAMPLIFIER RC OWNER’S MANUAL RULE TUBES MANLEY LABORATORIES, INC. 13880 MAGNOLIA AVE. CHINO, CA 91710 USA TEL: +1 (909) 627-4256 FAX: +1 (909) 628-2482 www.manley.com rev3.20.12TS CONTENTS SECTION PAGE INTRODUCTION & GENERAL NOTES 3 MAINS CONNECTIONS 4 CONNECTING YOUR PREAMPLIFIER 5 FIGURE 1 FRONT PANEL 6 FIGURE 2 TOP VIEW 7 FIGURE 3 BACK PANEL 8 OPERATIONAL NOTES 9 REMORA REMOTE CONTROL OPERATING INSTRUCTIONS 10 SPECIFICATIONS 14 INTRODUCTION THANK YOU!. for choosing...»

«OUR LADY QUEEN OF ANGELS FAMILY FAITH FORMATION CURRICULUM PLAN – GRADE TWO The Faith Development of the Second Grade Child The second grade child loves structure and routine, relies heavily on parents, teachers and significant adults. He/she finds family important and a source of pride. This is a good time to develop the family of God into the concept of parish community and learn the roles of people in the parish. Key objectives for second grade children include: the structure of the Mass,...»

«Chapter 8 Planning and Scheduling 8.1 Project Planning: Breakdown Structuring Construction project planning is a method of determining “What” is going to be done, “How” things are going to be done, “Who” will be doing activities and “How much” activities will cost. In this sense planning does not cover scheduling, which addresses the “When”, but once planning is complete scheduling can be done (Fig. 8.1). Fig. 8.1 General framework WBS (What) Specifications for the planning...»





 
<<  HOME   |    CONTACTS
2017 www.thesis.dislib.info - Online materials, documents

Materials of this site are available for review, all rights belong to their respective owners.
If you do not agree with the fact that your material is placed on this site, please, email us, we will within 1-2 business days delete him.