As the UK grapples with one of the most challenging interest rate environments in recent memory, property buyers and investors are turning to alternative financing methods to secure deals and maintain momentum. One of the fastest-growing solutions is the Bridgeloandirect bridge loan, a flexible and short-term financing option that has become a lifeline for those needing to act quickly in a competitive and often unpredictable market.
Whether it’s seizing a below-market-value property, covering gaps in a property chain, or unlocking funds tied up in pending sales, bridging finance is helping property transactions stay on track even as borrowing conditions tighten.
Let’s take a closer look at how bridging loans are reshaping property finance in the UK and why they’re more relevant than ever in today’s high-interest climate.
The Macroeconomic Landscape: Rates and Reaction
In response to rising inflation, the Bank of England raised interest rates multiple times throughout 2023 and 2024, bringing the base rate to levels not seen since before the global financial crisis. As of mid-2024, mortgage rates have settled well above the ultra-low levels seen during the 2010s, and traditional lending criteria have become increasingly stringent.
Buyers, especially those with complex financial circumstances or time-sensitive deals, are finding it harder to meet affordability checks or complete transactions before financing windows close. Developers, too, are under pressure, often unable to wait through the long approval timelines required by high street lenders.
Enter bridging loans, a financial instrument that, though not new, has taken on renewed significance in this environment.
What Is a Bridging Loan?
A bridging loan is a short-term loan, typically secured against property, that helps “bridge” the gap between the purchase of a new property and the sale of an existing one, or before a long-term financing solution is finalised.
Key characteristics include:
Term length: Typically 1-18 months
Speed: Can be arranged in days rather than weeks or months
Security: Usually secured against property or land
Use cases: Property purchases, refurbishments, auction finance, chain breaks, inheritance delays, and more
The appeal lies in its flexibility. Bridging loans are often used by seasoned investors, property developers, and increasingly, by private buyers who need agility in a time-constrained market.
Why Bridging Loans Are Surging in Popularity
1. Faster Completion Timelines
In a high-interest economy, delays can be costly. With bridging loans, borrowers can access funds within days, allowing them to move quickly when opportunities arise, particularly important for auction properties or distressed sales.
2. Less Bureaucracy
Unlike traditional mortgages, which require extensive credit assessments, income checks, and underwriting reviews, bridging lenders are primarily interested in the property’s value and the strength of the exit strategy. This makes bridging loans accessible to borrowers with non-standard income or credit histories.
3. Competitive Advantage
In a market where cash buyers often dominate, those who use bridging finance can present offers that are nearly as attractive as cash, giving them leverage in negotiations and increasing the likelihood of closing deals.
4. Mitigating Chain Break Risk
With housing chains notoriously prone to collapse in slower markets, a bridging loan offers a safety net. Buyers can proceed with a purchase even if their own sale is delayed, preventing deals from falling apart at the eleventh hour.
Regulatory Support and Market Confidence
While bridging finance once carried a reputation for risk, the sector has matured significantly. Increased regulation and oversight have brought more transparency and consumer protections, while professional standards across lenders have improved.
According to the UK Financial Conduct Authority (FCA), lenders who offer regulated bridging loans must meet the same standards as traditional mortgage providers when lending on a borrower’s primary residence. This includes affordability checks, clear terms, and proper disclosure of fees.
Additionally, the growing number of specialist brokers and platforms has made the bridging market more competitive, reducing interest rates and increasing product options for borrowers.
Real-World Use Cases: Bridging Loans in Action
Buying Before Selling
A family in Surrey found their dream home but hadn’t yet sold their current property. Their mortgage application would only be approved post-sale. A bridging loan allowed them to purchase the new home and repay the loan upon sale of the first property.
Renovation Projects
A property investor in Manchester acquired a run-down commercial building with the intention to convert it into flats. Traditional lenders wouldn’t approve a mortgage due to the building’s condition. A bridging loan provided the necessary funds for purchase and refurbishment, with an exit strategy tied to the sale of the finished units.
Probate Delays
An heir to a valuable estate in Bristol used a bridging loan to pay inheritance tax due before the assets from the estate were liquidated. The flexibility of bridging finance helped avoid penalties and legal complications.
While bridging loans offer undeniable speed and flexibility, they are not without risk. Borrowers must be confident in their exit strategy, whether that means refinancing, selling a property, or releasing equity.
Some key considerations include:
Higher interest rates compared to standard mortgages
Shorter repayment periods
Potential fees, including arrangement, valuation, and legal costs
Repossessions if repayment terms aren’t met
That’s why it’s critical to work with a reputable broker and seek independent financial advice. Not every borrower will be suited to bridging finance, but for the right deal and with the right preparation, it can be an invaluable tool.
Looking Ahead: A Tool for a Shifting Market
As the UK property market continues to adjust to inflation pressures, changing buyer behaviours, and affordability constraints, bridging loans are likely to play an even larger role, especially among developers, landlords, and investors operating in niche or time-sensitive segments.
They’re not a substitute for long-term financing, but they are a bridge, literally and figuratively, between uncertainty and opportunity. For buyers and investors willing to think outside the box and act decisively, the Bridgeloandirect bridge loan may be the key to unlocking growth in an otherwise cautious market.
Navigating today’s dynamic financial markets requires more than just access; it demands the right tools, education, and platform flexibility. Whether you’re just stepping into the trading world or looking to expand your portfolio with multi-asset exposure, Finstera presents a structured, well-supported approach tailored for modern traders.
This Finstera review uncovers how the trading environment supports traders at all levels with intuitive technology, expansive market coverage, and a strong focus on personalized education.
Stepping into Trading with Finstera’s Beginner-Friendly Hub
Finstera introduces a welcoming gateway into trading with its Finstera Trading Hub, designed especially for beginners. This space is tailored to help new traders ease into the markets without intimidation. The interface is sleek, simple, and offers one-click trading, giving first-time users the confidence to take their first steps in a real-time trading environment.
Backed by MetaTrader 5 (MT5), traders benefit from reliability and performance while engaging in live trades across numerous financial instruments.
Intuitive Platform with Advanced Market Access
A highlight of this brokerage is the seamless trading experience it delivers. The platform features an intuitive dashboard, real-time data streams, customizable alerts, and advanced charting tools for in-depth market analysis. Finstera’s platform architecture blends power with ease of use, offering a rich environment for traders who rely on precision and control.
Explore a wide range of over 300 financial assets, featuring CFDs on currency pairs, digital currencies, global indices, raw materials, precious metals, energy markets, and shares.
This multi-market access means traders can shift strategies fluidly while maintaining all operations within one centralized account.
Real-Time Insights and Transparent Trading Conditions
Openness and clarity are central to this brokerage’s approach. By providing real-time market data, it keeps traders informed about global developments. The platform is designed to ensure equitable trading terms, featuring tight spreads and ultra-fast trade execution. These features create a more secure and responsive environment, particularly beneficial for those aiming to take advantage of rapidly changing market conditions.
Mobile Trading on the Move
Finstera extends its platform with dedicated apps for iOS and Android, allowing users to trade seamlessly on the go. The mobile apps mirror the desktop experience, ensuring full access to trading tools, account management, and educational resources anytime, anywhere.
Education as the Core of the Trading Journey
In this Finstera review, a key strength lies in the platform’s premium forex education and one-on-one coaching. Finstera offers:
In-depth video tutorials
Downloadable eBooks
Daily market analysis
Economic calendars for better timing
Personalized coaching with trading experts
Finstera’s commitment to education ensures that traders not only learn the markets but also learn how to trade confidently within them. The support from a dedicated account manager adds a personal layer, tailoring learning paths to fit individual goals and risk appetites.
Secure and Streamlined Funding Experience
Simplicity extends into the funding experience. Our Finstera review outlines a four-step deposit system that focuses on clarity and security:
Reach out for assistance via phone, email, or live chat.
Receive guided support from Finstera’s team.
Get immediate deposit confirmation once funds arrive.
Begin trading with peace of mind.
Payments are managed through secure, regulated channels, and client funds are held in segregated accounts, aligning with financial security best practices.
Power Up Your Trades with a 100% Deposit Bonus
A standout feature in this Finstera review is the 100% deposit bonus, which allows traders to double their capital from the start. The process is simple:
Create an account and deposit funds
Instantly receive bonus funds equal to your deposit
Combine funds to execute larger or diversified trades
Withdraw profits as you grow your trading potential
This offer empowers traders to explore new strategies, scale their positions, and manage risks with increased flexibility.
Market Diversity That Matches Your Strategy
Finstera’s asset variety makes it a flexible hub for all trading styles. This Finstera review showcases the platform’s broad exposure across global markets:
Forex Trading: Engage with major, minor, and exotic pairs at competitive leverage up to 500:1.
Indices: Trade global benchmarks like the S&P 500, DAX, and Dow Jones.
Cryptocurrencies: Access over 300 crypto pairs, including popular and emerging tokens.
Metals & Commodities: Trade precious metals like gold and silver, plus agricultural and energy resources.
Energies: Dive into the energy sector with CFDs on oil, gas, and other market movers.
With this array of options, traders can shift their strategies to align with news, volatility, or long-term trends.
Timing the Markets Like a Pro
Market timing is critical. Finstera addresses this with a detailed trading schedule guide, providing insights into session open/close times across seasons. This information allows traders to:
Enter trades during peak liquidity
Avoid unnecessary exposure during low-volume sessions
Better align strategies with economic data releases
Having access to these resources empowers smarter decision-making and more precise execution.
Personalized Support Every Step of the Way
Finstera differentiates itself by offering client-centric service. Every account holder benefits from personalized attention via:
Dedicated trading experts
Tailored strategy sessions
Guidance on funding, platform navigation, and execution
Support is readily available through phone, email, and live chat, making it easy to resolve questions or seek strategic insight as needed.
Lightning-Fast Withdrawals, Anytime
Withdrawal flexibility is crucial, and our Finstera review confirms that users can enjoy:
Swift withdrawal processing
Secure transactions
Clear communication during every step
With funds stored safely and segregated from operational accounts, traders can rest assured that their capital remains protected.
Designed to Help You Meet Your Financial Goals
Finstera presents trading not just as an activity, but as a means toward long-term achievement. The platform’s tailored coaching programs, ongoing education, and comprehensive asset access are all geared toward supporting users in reaching their financial milestones.
Pros and Cons of Finstera
Pros
User-Friendly Platform for All Levels The intuitive layout makes it easy for beginners to get started, while advanced tools cater to experienced traders.
Access to Over 300 Trading Instruments From forex and stocks to crypto and commodities, traders enjoy diverse opportunities all in one place.
Powerful MetaTrader 5 (MT5) Integration MT5 compatibility ensures reliable performance, fast execution, and access to professional-grade features.
Educational Resources and Personalized Coaching Extensive learning materials and one-on-one mentorship provide ongoing support for trading development.
100% Deposit Bonus for New Traders Traders can instantly double their capital and expand their trading capacity from day one.
Secure, Hassle-Free Funding and Withdrawals A guided deposit process and timely withdrawals ensure confidence at every stage of the financial journey.
Mobile Trading on iOS and Android Stay connected to the markets from anywhere with a well-designed and responsive mobile app.
Dedicated Account Support Personalized guidance from trading experts helps align strategies with individual financial goals.
Real-Time Market Insights Live updates, economic calendars, and expert analysis keep traders informed of market conditions.
Cons
Variety of Features May Require Exploration With so many tools and asset classes available, new users may need a little time to explore everything the platform offers, but helpful guidance is always available.
Bonus Terms Require Reading While the 100% deposit bonus is a great advantage, users should take a moment to review the terms to understand how to maximize the offer fully.
No Demo Account Mentioned While the platform offers many educational resources, some new traders might prefer a demo account option to practice first.
Final Word: A Robust, All-In-One Platform for Traders Worldwide
To summarize this Finstera review, the platform offers a blend of simplicity and power, ideal for traders seeking growth, guidance, and a wide choice of markets. From its seamless MT5 experience to personal mentorship and flexible deposit systems, Finstera is structured to support long-term trading development without adding unnecessary complexity.
Its neutral and functional approach makes it a compelling space for traders who want control over their strategies while benefitting from premium educational content and real-time insights.
Whether you’re exploring forex, diving into crypto, or hedging with commodities, Finstera equips you with the tools to operate confidently in any market condition.
The photos in the article are provided by the company(s) mentioned in the article and are used with permission.
The United States and China have opened a new round of negotiations in Sweden, raising hopes that the two largest economies could prolong their 90-day trade war pause. The discussions are being led by U.S. Treasury Secretary Scott Bessent and Chinese Vice Premier He Lifeng.
The current truce, which temporarily lowered tariffs imposed by both sides, expires on August 12. Since January, Washington and Beijing have raised import duties on each other to more than 100%.
Last week, Bessent said the talks were in “a very good place,” hinting that another three-month extension was possible. The South China Morning Post reported that both governments are expected to agree on a second pause.
The negotiations come shortly after President Donald Trump announced a framework trade deal with the European Union and finalized a “massive” agreement with Japan. Washington has also reached separate tariff arrangements with the UK, Indonesia, and Vietnam.
Technology exports remain a central issue in the U.S.-China dispute, especially high-end chips used in artificial intelligence. According to the Financial Times, Washington has temporarily frozen restrictions on these exports to avoid disrupting talks and to help Trump secure a meeting with Chinese President Xi Jinping later this year.
While no major breakthrough is expected this week, analysts say extending the truce could help stabilize global trade and prevent another wave of tariffs.
The article presents the case about the irregular migration from Middle East and North Africa (MENA) region to the EU. It argues that the two-pronged approach, a balance of idealism and pragmatism the EU is enacting for 10 years, is unfortunate and inevitable due to real-life conditions. This piece concludes with the need for refinement in EU’s approaches to overcome its “unfortunate” status.
Human kind and the collectives it built created various constructs on the natural space Earth provided. History is a witness on how time and time again, these collectives have fought for the spaces they rendered meaning and worth for. Today in the time of neoliberalism and high geopolitical tensions, property and border delineation are part of tangible space management. This creates desirable and undesirable places that in turn dictate the migratory patterns of human beings.
However, such delineations also create limitations of movement regardless of the desire of a collective to move. An owner of a land shall not allow anyone to commit trespassing without legal repercussions. In state and regional organization matters, aliens are not allowed to enter another country without proper documentation and reason. This perpetual pattern reflects the case that EU faces with irregular migration from the Middle East and North Africa (MENA) region. Upon observation of this case, the EU’s approach is unfortunately but inevitably “business-as-usual” then and now.
Through the Mediterranean They Cross
It has been 10 years since EU was first bolstered by the large numbers of irregular migrants crossing the Mediterranean. Due to factors such as poverty and armed conflicts across the MENA region, desperate people have crossed the sea in improvised boats, often at the hands of illegal entities and human traffickers. As a response, the EU securitized the issue wanting to control the flow of irregular migrants. Through the European Border and Coast Guard Agency (FRONTEX), it conducted border control operations to prevent human trafficking and other related crimes. Compensating the opinion that FRONTEX operations disregard the human rights of irregular migrants, the EU through the Fundamental Rights Agency (FRA) monitor and ensure the rights of irregular migrants. Moreover, it also assured that the root causes of irregular migration are addressed through Official Development Assistance (ODA). This is seen as a way of externalizing the crisis. However, critical eyes tend to question EU’s handling of it. These lens, upheld mostly by NGOs, pertain to international laws and treaties as their rationale for making their stand.
This crisis does not only involve state and non-state actors. Looking at the deeper picture, this crisis has its individual human dimensions. The EU is a far attractive land in which opportunities lie abound for these would-be irregular migrants, making it their essential motivation. On the other hand, the reaction of EU citizens in various states are mixed depending on their location, ideologies, and experiences. Doing its best to uphold liberalism, these views are considered by the EU in its decision-making process.
Overall, it can be said that the influx of irregular migrants is an issue that creates various perspectives, testing EU’s integration project and making a uniform way of thinking a challenging one if not impossible. This is the “business-as-usual” approach of the EU to irregular migration from MENA. It reflects the combination of diversity and complexity, outcome of adherence to democratic values, as well as the practical need to secure itself. Furthermore, it can be considered as “usual” now due to the fact that ten years later, the game is still the same.
Today: Unfortunately “Business-as-Usual”
Ten years later, this picture still remains a reality in general which reflects the approach’s unfortunate status. Irregular migration from MENA continuous to be securitized by the EU. The map of the Middle East remains to have a handful of tangling yarns connecting all sides of its armed conflicts. Northern Africa remains to be prone to undemocratic institutions and a haven for human traffickers. Meanwhile, the EU’s fortress is as high as ever as its member-states look to improve FRONTEX operations. It continued and innovated its operations and tactics. For one it already has its own Standing Corps by the virtue of Regulation (EU) 2019/1896 which means it already has its own uniformed service personnel. This is still occurring side by side with its efforts to contain the root causes of irregular migration through the New Pact on Migration and Asylum which is also deemed as questionable by NGO advocates.
Adding more negatives on how it deals with the MENA region, this “business-as-usual” approach of EU seems to have an inconsistent effectivity. Throughout the last decade the number of irregular crossings provide an inconclusive take on the action. We can look at the latest data from this year and compare it to the previous three years. Despite the general trend of falling numbers in terms of irregular crossings across the union on the first half of 2025, the Central and Western Mediterranean routes present climbing numbers. These routes are directly in front of the MENA region. There is a 12% and 19% increase on crossings for both routes compare to the same half last year. Even as 2024 show general decrease for both routes, it should be pointed out that the numbers are coming from the strong surges of 2022 and 2023. There are of course other factors and reasons to consider. But these numbers are primarily consulted to see the effectivity of the approach currently. For the EU, this may present a hypothesis/trend moving forward that contradicts its intentions.
Discussing what lies ahead further, this is also unfortunate for another reason: external factors that would not cease to exist in the future. Most evident of these factors is a harbinger of future crises that will not recognize any political boundaries: climate change. The drastic changes in the atmosphere can dictate migratory patterns in the coming decades especially in the MENA region. This in turn may result in further irregular migration to EU since the expected trend will be migration from low- to high-altitude locations.
Into the Inevitable Future: Balanced Idealism-Pragmatism
This “business-as-usual” approach of the EU regarding irregular migration from MENA may indeed be unfortunate but it is inevitable. It is inevitable due to what the future will bring. The EU needs to continue fortifying its borders for security measures regarding irregular migration but must also cooperate and struck policies with third countries involved due to multiplier crises like climate change.
Despite the fact that the criticisms on the issue’s securitization bears merit, it is undeniable from the ground that there are also compelling reasons from the outside for doing this. On the other hand, its cooperation and funding with other states are needed since there are issues like climate change that may exacerbate irregular migration. Looking at it in this perspective, there is no point abandoning the union’s approach which is two-pronged. This approach is the not the balance of realism-liberalism per se, but of idealism-pragmatism. The EU will reserve its right to protect its borders and citizens against any threat it sees, but it should mind itself that there are occurrences from beyond that despite manifesting tangibles cannot be controlled. The EU must accept that it will involve itself with problems abroad while it solves its own.
In the end, the “business-as-usual” approach can overcome its unfortunate status through refinement. It has no choice, for as already mentioned, the currently unfortunate is also inevitable. The union’s bastion of liberal-democratic values must be satisfied and balanced with the practical necessities of managing security. The need for balance will present itself in different contexts and circumstances in the future that involves irregular migration, climate change, and the MENA region. The EU needs to adapt in all of these. It needs to accept that as they have the right to protect their house, they must also be mindful of what is occurring beyond their fences. For disregarding the external may result to a larger crisis altogether that will definitely hit home hard.
John Louis B. Benito, LPT, MA– Accomplished the Master of Arts in International Studies Major in European Studies Program at De La Salle University in Manila, Philippines from 2021-2024. Currently he is a part-time lecturer and the Service Learning Coordinator under the Department of International Studies also at De La Salle University. His research interests, articles, and academic publications revolves around international migration, critical security, the outer space, sustainable development, and securitization.
Since fall 2023, Israel has engaged in genocidal atrocities in Gaza. So, why hasn’t the Genocide Convention been used to preempt the violence? Why has the Convention proved ineffective since its creation? The West’s long struggle against the Genocide Convention is one of the central questions of my new book, The Obliteration Doctrine.
The International Criminal Court’s (ICC) track record in the past two decades suggests a substantial gap between its broad mandate and very limited resources and state support. There is a sharp difference between the activities of the ad hoc tribunals and the ICC.
In the case of the tribunals, influential governments, mainly the permanent members of the UN Security Council, while committing time and funds to backing what they perceive as international justice, have focused on selected conflicts based on their national interests. Led by the United States, the countries bankrolling these tribunals supported them politically and militarily.
But it hasn’t been a free lunch. Leaning on mainly the West, the victors of 1945, this cooperation generated results, but it made the tribunals highly reliant on U.S. political support, intelligence and NATO-led forces.
The implementation deficit
The Tribunal for the former Yugoslavia convicted nearly 90 individuals, including senior political and military officials. Similarly, the Rwanda Tribunal ultimately convicted more than 60 individuals, almost two-thirds of those charged with crimes.
Even though the ICC itself has extensive jurisdiction, it has weak political support. For this reason, the Court seems to have moved cautiously when it began operations in 2003. It acted when the country in question explicitly requested court intervention (Congo DR, the Central African Republic, Uganda) or when the UN Security Council authorized the role of the court.
However, this pattern changed around 2010, when the ICC Prosecutor launched an investigation in Kenya. It was the first undertaken without explicit state support.
In the subsequent years, the ICC initiated several investigations that led it to be contested by several non-member states, including Russia (Georgia, Ukraine), Libya, Myanmar, US (Afghanistan), and Israel (Gaza). In the process, the number of active investigations soared to 17, but the results, at least in terms of trials and convictions, were few.
In over more than 20 years, the Court has secured convictions in just 4 cases, and most of its arrest warrants have been without effect. Compare that with the former Yugoslav Tribunal’s track-record of 161 indictments, 90 convictions and sentences in less than seven years.
Ad Hoc Tribunals and the ICC: Indictments and Convictions SOURCE: The Obliteration Doctrine (data from ICTY, ICTR, ICC)
Strings attached
In several ICC cases, such as Sudan, Libya, Palestine, Burundi, Myanmar, and the Philippines, the prosecutor has lacked access to the territory in question or faced significant obstacles in taking investigative steps in the country. The ICC Kenya case, which occurred without explicit state support, is illustrative. After three years, the ICC charges were dropped in 2015 for lack of evidence.
Yet, the track record of the ICC shows it can be quite effective when prosecution has strong political backing. When the primary funders of the ICC and most permanent members of the UN Security Council have been in consensus, the Court’s implementation capacity has been boosted by abundant resources, as evidenced by the ICC arrest warrants for Russian leaders in 2023–24.
The warrant against Russian President Putin was the first against the leader of a permanent member of the UN Security Council. Unsurprisingly, the ICC enjoyed maximum cooperation and resources in Ukraine. Then again, as the Trump administration initiated its peace talks between Russia and Ukraine in spring 2025, the ICC’s role was largely ignored.
Given its current trajectory, the ICC is likely to continue to go after a few high-profile cases. In those that are aligned with the interests of the West, the Court’s ambitious rhetoric is more likely to be backed up with adequate resources and boosted implementation. But in other cases, the colossal gap between stated objectives and actual achievements weakens the prospects of prosecution.
Four ICC scenarios
In principle, there are four possible ICC scenarios, based on state support and implementation capacity. When the Court has broad support and implementation is strong, it is truly empowered. Such an ICC has not existed yet and is unlikely to exist in the foreseeable future because the national interests of its constituent member-states tend to trump the Court’s universalist predilections.
When the ICC has narrow support but strong implementation capacity, it can be quite effective, as evidenced by the ad hoc tribunals (or the model the U.S. initially proposed to the Court). In this scenario, things get done but outcomes reflect self-interested policies vulnerable to allegations of politicization.
The current ICC seems to represent a reverse scenario. When nominal broad support is coupled with weak implementation, the ICC is likely to prove ineffective; high on rhetoric, but weak in execution.
The worst scenario would be a Court with both diminished state support and low execution capacity. Over time, it would translate to irrelevance. Distressingly, in the absence of major changes, this is where the current ICC may find itself, if the ongoing geoeconomic and -political divides continue to penalize global prospects.
Four Scenarios SOURCE: The Obliteration Doctrine
ICC’s untenable position
Obviously, great powers, particularly the permanent members of the UN Security Council, seek to influence such scenarios. As a result, the current ICC, overshadowed by its great ambitions but weak implementation capacity, is in an untenable position. The more it promotes universalistic objectives with narrow state support, the feebler it appears.
Instead of complying with the Court’s warrants, countries downplay them. The states signal they may not respect them in the future or openly defy them for domestic political reasons. After the warrants for PM Netanyahu and his ex-minister, Polish leaders welcomed Netanyahu’s visit, as did their Hungarian peers. Germany hedged its bets. French officials stressed a state had “obligations under international law with respect to the immunities of States not party to the ICC.”
Typically, the ICC’s four convictions have all been against citizens of member countries, whereas its cases against non-member state nationals have yielded almost nothing. Despite deposing indicted leaders, such as Sudan’s Omar al-Bashir, their successors have pulled back from cooperating with the Court.
Is there a way out?
A potential though unlikely U.S.-led scenario would be for the UN Security Council, armed with the sparingly used Article 16 of the Rome Statute, to temporarily freeze court investigations into the conduct of non-member state individuals. But even those US observers who regard it as a potential trajectory consider it unlikely.
Toward a multipolar scenario
With the rise of China and the Global South, the above foundational conditions have dramatically changed in the past eight decades. In effect, the broadest state support and most effective implementation can only be actualized in a trajectory marked by multipolarity reflecting the existing global economic, political and military conditions—not those that prevailed 80 years ago.
In the multipolar scenario, the ICC trajectory would no longer be based on the West’s unipolarity. The UN Security Council and its permanent members could retain their role, but it should be augmented by the new conditions of multipolarity; that is, the increasing role of the world’s largest emerging and developing economies.
The history of human rights law is the story of the progressive efforts of the Global South to hold the West fully accountable for the pledges consistently and systematically violated. Certainly, the West doesn’t have a monopoly on genocides, but the latter are inherent in its colonial legacies, its efforts to dilute the scope of the Genocide Convention in the late 1940s and the suppression of genocide prosecutions through the Cold War and the post-9/11 wars.
From the standpoint of the Global South, the appeal of the South African genocide case against Israel is, at least in part, in that it highlights the role of colonial atrocities as a prelude to the killing of six million Jews in Europe and subsequent millions in the Middle East, Asia, Africa and elsewhere.
Realistically, the only long-term solution to ensure appropriate inclusive global governance is to accommodate the role of emerging and developing economies in the existing international regime.
The current regime is a relic of the 1945 “victor’s justice.”
For a copy of The Obliteration Doctrine: Genocide Prevention, Israel, Gaza, and the West by Clarity Press, click here. Available also via Amazon US, Amazon Canada, Amazon UK, Barnes & Noble, Indigo, Bookshop etc. Available already as pdf and e-book, the book will be released on August 1.
The author of The Fall of Israel (2024) and The Obliteration Doctrine,Dr. Dan Steinbockis an internationally-renowned visionary of the multipolar world and the founder of Difference Group. He has served at the India, China and America Institute (US), Shanghai Institutes for International Studies (China) and the EU Center (Singapore). For more, see https://www.differencegroup.net
The companies that are outpacing their competitors in today’s volatile market have one thing in common: they’re deploying generative AI not just faster, but smarter. That’s the core insight from Kevin Oakes, co-founder of the Institute for Corporate Productivity (i4cp), a leading HR research organization with a sharp focus on what separates high-performing organizations from the rest. According to Oakes in his interview with me, the most successful companies aren’t dabbling in Gen AI—they’re operationalizing it across their enterprises. And it’s paying off.
From Experimentation to Enterprise-Scale Integration
i4cp’s latest research, Workforce Readiness in the Era of AI, reveals that only 11% of companies have fully integrated Gen AI across their organizations. These companies are not just experimenting or cautiously researching—they’ve woven Gen AI into both internal operations and customer-facing functions. The result? Superior business outcomes. These mature adopters consistently rank highest in i4cp’s performance index, which measures revenue growth, profitability, and market share.
This correlation is no coincidence. While some may argue that high performers simply have the resources to embrace cutting-edge technologies, Oakes makes a compelling case that Gen AI adoption itself is a driver of success. “The strong are getting stronger,” he explains, “but embracing Gen AI is also pushing companies into that high-performance category.”
Maturity Begins With Training—Especially at the Top
One of the clearest differentiators between leaders and laggards in Gen AI adoption is how they approach workforce training. Oakes notes a surprisingly common shortfall: most companies only train a small segment of their workforce on Gen AI. High-performing companies, in contrast, begin with their leadership. “Oddly enough, leadership is often overlooked,” says Oakes, “but top firms ensure CEOs and senior leaders are not just educated on Gen AI—they’re active users.”
“Oddly enough, leadership is often overlooked,” says Oakes, “but top firms ensure CEOs and senior leaders are not just educated on Gen AI—they’re active users.”
From there, the training expands organization-wide. Effective approaches blend asynchronous courses, instructor-led workshops, and peer mentoring. The training content itself progresses from fundamentals—data security, responsible use, AI ethics—to advanced topics like workflow integration and output evaluation.
In top-performing organizations, leaders sometimes even teach the courses themselves, a strategy borrowed from Jack Welch’s GE playbook. This not only boosts executive fluency in Gen AI but sends a powerful cultural signal: this matters.
Creating a Culture of Co-Creation, Not Compliance
Another hallmark of Gen AI success is how companies handle automation decisions. Too often, automation initiatives are top-down edicts. Instead, i4cp finds that the best organizations empower employees to identify which parts of their roles should be automated.
This approach does two things. First, it taps into the deep, often tacit knowledge employees have about their own workflows—what’s repetitive, what’s draining, what’s ripe for AI assistance. Second, it cultivates buy-in. “Now they’re contributing,” Oakes emphasizes. “It’s a co-creation mentality in the culture as opposed to being told.”
This collaborative method is especially critical in addressing the widespread fear that Gen AI will displace jobs. Oakes acknowledges the legitimacy of these concerns—Gen AI is replacing some roles—but points to a silver lining. “Organizations are adapting. They’re reallocating human brainpower to areas that have long been neglected,” he says.
Curiously, i4cp discovered that the more training employees received on Gen AI, the more their fears about job loss increased. It’s a paradox driven by awareness—those who understand the technology best also grasp its full potential to disrupt. Still, Oakes remains optimistic, drawing parallels to the early days of the internet. “We had the same fears. Over time, they dissipate as we learn how to use the tech to our advantage.”
Communication: The Missing Link in Many Organizations
If there’s a single failure point common to many Gen AI initiatives, it’s communication. “Most companies haven’t articulated a Gen AI strategy internally,” Oakes observes. That leaves employees in the dark—unsure of how the technology will be used, how it will affect their roles, or what the company’s intentions are.
Clear, transparent communication is essential. From executives down to department managers, everyone should understand the strategy and their role within it. Oakes dismisses simplistic motivational slogans—such as “you won’t be replaced by AI, but by someone using AI better”—as too often sounding like veiled threats. Instead, he advocates for open dialogue and honest, ongoing conversations about how Gen AI fits into the company’s future.
Guardrails, Governance, and Getting Smart About Risk
The risks of Gen AI—data privacy, hallucinations, bias—are real. But so is the opportunity. The companies leading the pack aren’t ignoring the dangers; they’re addressing them head-on through proactive training and governance.
Basic training includes guardrails around responsible use, and many firms are adopting internal large language models or deploying Gen AI within walled-off applications to mitigate exposure. “We got smarter about risks with the internet, with smartphones—we’ll do the same with Gen AI,” says Oakes. “It just feels scarier because it’s new and powerful.”
Indeed, the most forward-looking organizations are turning this moment of uncertainty into an opportunity to capture market share and build a competitive edge.
Metrics That Matter
When it comes to measuring Gen AI’s impact, usage is the first metric that matters. Companies are beginning to track who is using Gen AI, how frequently, and to what effect. This baseline data not only encourages familiarity, but also helps correlate usage with productivity gains.
Companies are beginning to track who is using Gen AI, how frequently, and to what effect.
Other meaningful metrics include department-level performance improvements and workforce well-being. “If you’re freeing up time from rote tasks, you’re probably improving mental and even physical health,” Oakes notes. Many of the same indicators used to measure culture—like engagement scores or turnover rates—can also be used to assess Gen AI’s organizational impact.
Looking Ahead: From Generative to Agentic AI
The future of Gen AI lies in something even more autonomous: agentic AI. “It’s a dumb name,” Oakes jokes, “but agentic AI is going to be performing many tasks on behalf of organizations.” These AI agents will execute complex workflows independently, and their rise will force companies to rethink job design and risk frameworks yet again.
While few companies have deployed agents at scale today, Oakes warns that by this time next year, every leader will need to know what they are—and how to use them responsibly. “We’ll be talking about ethical issues, unintended consequences, and probably a few monsters in our systems,” he quips. “But the first step is getting familiar.”
For now, the lesson is clear: companies that want to stay competitive need to move quickly from curiosity to capability. The era of experimentation is closing. The era of enterprise-scale Gen AI has begun. And the strongest players are already surging ahead.
With the rise of the Jewish dual state, the Netanyahu cabinets have steadily subverted the secular democratic state. The parallels are alarming. Similar trajectories broke the back of the Weimar Republic a century ago.
Ever since the Six-Day-War (1967) and the occupation of Palestinian territories, Israel has witnessed the rise of the Messianic far-right settler Jews. In my The Fall of Israel, I describe in detail this process, which entered a new stage after the assassination of Prime Minister Yitzhak Rabin and the effective demise of the “peace process.”
The process also intensified the march of the settlers and their proponents into the Israeli institutions, while openly advocating the overthrow of Israel’s secular democracy, the Judeazation of the occupied territories (West Bank, Gaza), Jewish supremacy and racist violence, particularly against Palestinians.
What made this quasi-legal infiltration of the democratic institutions possible was the continuous US military and diplomatic support, coupled with arms transfers and financing, and Europe’s effective indifference.
One way to look at the progression of the quasi-official state violence in Israel is the narrative describing the rise of the Messianic far-right as the march of lawlessness. Yet, such narratives do not adequately explain the existing tensions between the civil bureaucracies and the apocalyptic reformers in Israel.
In The Fall of Israel, I present an alternative way to depict that progression, based on the idea of a “dual state.” This is the notion that the famous German-Jewish lawyer Ernst Fraenkel used to explain how the Nazi party exploited democratic institutions, which it then undermined.
Emergency powers to undermine democracy
At the eve of World War II, Ernst Fraenkel fled from Nazi Germany to the United States, where he published his master treatise, The Dual State (1941). Fraenkel saw the analysis of the political system of the Nazi state as “a contribution to the theory of dictatorship.”
Fraenkel knew the system intimately. In the Weimar Republic, he had been a leading socialist jurist. And as a lawyer he had represented political defendants in court, mainly Jews targeted by the Nazi regime. Eventually, as a dissident, he worked in the underground with several resistance groups until his immigration to America in the late 1930s.
What worried Fraenkel was the gradual perversion of the democratic institutions of the Weimar Republic from 1918 to 1933. During that period, the Nazi Party took power as Hitler was able to use emergency powers to undermine constitutional governance and suspend civil liberties.
How could it happen? How could democracy collapse and Germany end up under a one-party dictatorship? Fraenkel’s simple response was: the dual state. Democratic institutions remained, but mainly as pale shadows. In particular, he showed how the decisions of the courts – as façades rather than effective institutions – precipitated the progress of Nazism in Germany.
In Fraenkel’s view, the Nazi state had two sides. One featured the normativestate, which was “an administrative body endowed with elaborate powers for safeguarding the legal order as expressed in statutes, decisions of the courts, and activities of the administrative agencies.” It represented the rule of law, or what was left of it.
The other side of the dual state referred to the prerogative state; that is, a “governmental system which exercises unlimited arbitrariness and violence unchecked by any legal guarantees.” It excelled in unrestrained artificiality, including violence, unimpeded by any rule of law.
Fraenkel highlighted the constant friction between the traditional judicial bodies representing the normative state, and the agencies of the prerogative state, the instruments of the dictatorship. It was not the courts’ purpose to foster extremist radicalism, but as they did tolerate such legal revisionism, the courts were virtually digging their own graves.
In the postwar era, the idea of the dual state influenced the postwar debates about the Third Reich. But Fraenkel’s theory was not just about Nazi Germany. It was about the potential of political regression in industrialized democracies and thereby about Israel as well.
Contemporary Israel is not Nazi Germany and the early 2020s aren’t the early 1930s. Nor has Israel’s constitutional framework been replaced by the “leader principle” (Führerprinzip) as the basis of executive authority, as of yet. Yet, there are distressing parallels.
Persecuted “aliens” from Weimar Germany to Israel
Emerging first as a fringe movement in the 1970s, the rise of the Messianic far-right was accelerated by the right-wing Likud coalitions since the 1980s. After the failure of underground violence, these groups chose to march into and infiltrate the very democratic institutions they despised, particularly after the Oslo Accords in the 1990s. Through these decades, their clout was reinforced by massive U.S. military aid and Jewish-American financiers, particularly donors representing revisionist Zionism, as evidenced by the many examples underscored in The Fall of Israel.
In Germany, Nazis benefited from the Völkisch ideology, the German ethnic nationalist movement, served as a glue tying together different social and economic groups. In Israel, Jewish ethnonationalism, in varying degrees, has had a similar role cementing political, social and cultural cohesion.
In Germany, the Völkisch nationalists saw the Jews as “aliens” who thus had no business in the new Germany. In Israel, the Jewish far-right perceives the Arabs as aliens in the Jewish state thus favoring the expulsion of the Palestinians but tolerating a minority of Israeli Arabs, to preserve a semblance of a democracy.
German expansionism was legitimized with notions like Lebensraum that, in practice, translated to the ethnic cleansing and genocidal atrocities of Generalplan Ost, which sought to enslave and starve much of Eastern Europe. In Jewish ethnonationalism, “Greater Israel” is the apocalyptic ideology fueling the settlements and efforts to expand Israel’s boundaries, resulting in ethnic expulsions and atrocities, all in the name of “national security.”
With the Gaza War, the Strip has been devastated so thoroughly that most of it will be uninhabitable after hostilities. With the fog of the war, the occupation in the West Bank has effectively shifted from a de facto toward a de jure annexation. Hence, the dramatic increase in settler violence with the tacit support by military and security authorities.
Explosion of Settler Violence Incidents
Includes Palestinian property damage and/or casualties in settler-initiated incidents Source: Data from OCHA, author.
Mythologies of ”blood and soil”
The Völkisch precedent had relied on the idea of “blood and soil,” fueled by the organicist metaphors of a singular, unified and racially pure social body. It was essentially a frustrated rebellion of lower-middle-class Germans who were sidelined and ignored by the ruling elite of German junkers, industrialists and military, and laboring poor whose socialist leaders had been taken down. The values of romantic nationalism and idealized agrarianism were typical to Germany where industrialization and urbanization, which had uprooted an entire generation of Germans, was still relatively recent.
In Jewish ethno-nationalism, it is the mythologized God-given Eretz Israel, the Land of Israel, that ensures collective singularity and racial purity.
For all practical purposes, this ideology relies on the longstanding resentment by poorer Jews from Arab countries, assertive religious Jews and the ultra-orthodox, the Messianic far-right, coupled with free-market conservatives, ideological Likudniks and the settler zealots.
Among the Messianic far-right, the parallel of the Völkisch “blood and soil” means Jewish supremacy coupled with the Eretz (Land) of Israel. In the 1930s Germany, peasants were celebrated as Nazi cultural heroes and forces of German racial stock and history. In Israel, the champions of the settlers portray them similarly in quasi-mystical terms as pioneers of a glorious future.
For years, historians of Nazi Germany like Moshe Zimmermann have drawn upon the legacy of Weimar Germany to understand the endangerment of Israeli democracy by authoritarian, nationalist and racist forces, “to determine where on the chronological calendar of the Weimar Republic we in Israel were situated. Now, in 2023 we are wondering: Are there not features of the regime in Israel that are familiar from German history after 1933?”
In this trajectory, the Israel of the Messianic far-right has the most prominent role as the romanticism of blood and soil is replaced with apocalyptic eschatology.
Messianic pretext for Jewish autocracy
Following its election triumph in fall 2022, the Messianic far-right saw the Israeli normative state as an unwarranted obstacle to more effective, autocratic governance. The administrative body of the state was all nice and fine, but these elaborate powers that were designed to safeguard the legal order were ill-suited to the national security contingencies that were posing existential threats to Israel. The Jewish state required institutions that served the Jewish people, not its enemies.
With the 2018 Jewish nation-state bill, the prerogative state began to play an ever-greater role in Israel at the expense of the normative state. Responding to this effort at a “judicial regime coup,” hundreds of thousands of Israelis stormed the streets protesting it, a protest which eventually was diluted by demonstrations related to Israeli hostages and the Gaza War.
Yet, most Israelis had voted for the coalition parties that made up the Messianic far-right, which is now subverting the normative state by the exercise of “unlimited arbitrariness and violence unchecked by any legal guarantees.”
As long as the dual state prevailed, the civil servants of the normative state were still able to keep the Messianic far-right of the prerogative state at bay. But to the latter, the Gaza War was a historical, divinely-ordered opportunity not just to take over and annex the occupied territories but also to dominate the government and its vital bureaucracies.
So, when Prime Minister Netanyahu opened the doors of his government to these far-right Messianic extremists in order to achieve a majority coalition, he let the foxes into the henhouse, for a purpose. It paved the way not just to a rising tension between state bureaucracies and state violence, but to the integration of these dual realities.
“Death to the Arabs!”
Jewish ultra-nationalists celebrating Jerusalem Day 2025 near Damascus Gate. It is now the annual celebration of Jewish supremacy with chants of “Death to the Arabs.” As the lyrics go: “May your village burn down!”
These shifts have come with a price: the rise of the Israeli internally conflicted dual state, facing an attendant shrinkage of the rule of law in the normative state and the increasing legal arbitrariness and sanctioned violence by the prerogative state.
“There is no police in Israel”
The Messianic far-right has seized central elements of the bureaucratic apparatus and its administrative procedures. Hence, too, national security minister Ben-Gvir’s effort to fill the key positions of national police, security and military with like-minded authorities, even at the risk of incompetence, insecurity and escalation.
At the eve of fall 2024, Ronen Bar, the head of Israel’s security service Shin Bet, wrote an “emergency letter” addressed to PM Netanyahu, the cabinet and the attorney general, warning that “the Jewish terror leaders want to make the system lose control, the damage to Israel is indescribable.” Police incompetence and public legitimacy have led to the expansion of Jewish terrorism, emboldened by “a sense of secret backing” from police. The letter sparked a fiery exchange between Netanyahu and Bar during a prior security cabinet meeting that touched on the deadly settler pogrom in Jit, a Palestinian town west of Nablus:
Netanyahu: “Have we made any arrests?”
Bar: “Two.”
Netanyahu: “Why only two? Why not more?”
Bar: “That’s the role of the police. There’s no police in Israel.”
It was a stunning admission and appeal by the head of Israel’s internal security. Jewish terror, Bar warned, was jeopardizing Israel’s existence, both in the occupied territories and in the volatile border areas.
Initially, Bar was expected to serve as director until 2026. Yet, in March 2025 PM Netanyahu fired him claiming to have “lost trust” in him. In reality, Bar was fired after he started to investigate the so-called “Qatari Connection Affair”; that is, the Qatari involvement and influence in the Prime Minister’s Office. Refusing to leave without a fight, Bar submitted an affidavit to the court arguing that Netanyahu was demanding a personal loyalty, while expecting his Shin Bet to act against anti-government protesters and the Supreme Court.
Two weeks after the SC declared Bar’s dismissal “unlawful,” Netanyahu forced the premature end of Bar’s term in mid-June.
The Pyrrhic triumph
Step by step, Israel’s prerogative state is surpassing and suppressing its normative state. And given a unitary Jewish state – the ultimate objective of the Messianic far-right – it would effectively overwhelm the normative state.
Indeed, Israel is on the threshold of a significant, reality-changing process that will deliver indescribable damage to itself and likely world delegitimization. Shin Bet expected revenge attacks to ignite “another front in the multifront war we’re in, bringing more people into the terror circle to carry out their revenge.”
But the price of these steps is the expansion of the prerogative state, which will eventually undermine the state of Israel itself.
The author of The Fall of Israel (2024) and The Obliteration Doctrine (2025), his new book,Dr. Dan Steinbock is an internationally-renowned visionary of the multipolar world and the founder of Difference Group. He has served at the India, China and America Institute (US), Shanghai Institutes for International Studies (China) and the EU Center (Singapore). For more, see https://www.differencegroup.net
Sustainable finance is rapidly evolving into a key driver of long-term economic resilience. Lara Alvarez explains how integrating nature-related risks into financial systems enhances risk management and fosters innovation. She argues that rethinking investment strategies around natural capital is essential for unlocking sustainable growth and navigating future environmental and economic challenges.
Sustainable finance is becoming a cornerstone of efforts to achieve global growth targets. This gradual shift is gaining visibility as the pursuit of economic expansion increasingly exposes the interconnectedness between the economic and social systems that drive prosperity and the natural systems that sustain them. As the twin crises of climate change and biodiversity loss intensify, the global quest for growth is colliding with the reality of shrinking ecological boundaries. Rising and competing demand for land, water, food and minerals is unfolding in a world where natural resources are scarcer and where both the exposure and vulnerability of economic systems to the physical risks of a changing climate are rapidly increasing.
With governments and businesses under mounting pressure to deliver growth despite environmental limits, there is an urgent need for financial systems to internalise nature-related risks and support regenerative outcomes. This article explores how sustainable finance is transforming investment strategies, reshaping our understanding of financial risks and altering our perception of value. It also highlights why recognising the deep interconnection between nature and economic stability is essential to navigating the uncertain future ahead.
Natural capital as the new economic driver
The financial effects of nature-related risks are already being felt as ecosystem degradation drives up costs and disrupts business operations worldwide. As the pace and effects of biodiversity loss and resource constraints have gained visibility, regulators, investors, supply chain partners and consumers have raised the bar for corporate accountability and transparency. This shift signals an increasing recognition that economic resilience is deeply intertwined with and reliant on nature, and that nature degradation, like climate change, poses direct operational, financial, and reputational risks to corporations and financial institutions alike.
While climate considerations are already becoming mainstream in risk management and financial decisions, biodiversity is now gaining traction and is expected to reach a similar level of integration soon. Investors are increasingly demanding high-quality, consistent data to assess nature-related risk exposure and align portfolios with sustainability ambitions and goals. Moreover, planetary boundaries are being factored into decision-making and target setting, while higher consumer expectations and stricter procurement standards are pushing companies to meet more stringent benchmarks across their entire value chain.
In response to these growing expectations, a proliferation of mandatory and voluntary frameworks, such as the EU’s Corporate Sustainability Reporting Directive (CSRD), International Financial Reporting Standards (IFRS), and Taskforce on Nature-related Financial Disclosures (TNFD), is driving more detailed disclosures, which in turn heighten market expectations.
Against this backdrop, proactive identification and management of impacts and dependencies on nature, along with greater transparency, are increasingly recognised by businesses as a strategic imperative to managing risks, meeting stakeholder expectations and maintaining competitiveness. These factors are driving innovation on products, services and business models as companies realign their strategies and approach to value creation.
Forecasting risk to drive financial resilience
Biodiversity loss and ecosystem degradation exacerbate financial risks, including credit, market and liquidity risk. Examples include increased default risk from businesses in the food and beverage and agricultural sectors due to the effects of water scarcity, pollinator decline and the reduced ability of agroecosystems to regulate pests, thus leading to higher input costs and reduced crop yields. In turn, these risks could increase the price volatility of agricultural commodities, drive asset write-downs and reduce insurance access in ecologically vulnerable regions. In today’s complex global value chains, consideration of these interactions with nature and the critical hotspots is essential for a holistic understanding of the challenges businesses face, enabling the design of optimal, cost-effective solutions that deliver long-term value protection and creation.
Critically, addressing these challenges requires enhancing ESG screening to incorporate nature-related risk assessments into financial analysis, portfolio management, and investment decision-making. This integration involves understanding how businesses depend on natural ecosystems (e.g. water, soil, pollination, climate regulation) and how the direct and indirect degradation of ecosystems across the value chain can affect business performance and long-term economic resilience. Identifying the transmission channels through which these risks can materialise is crucial. This allows for the integration of environmental, operational, and financial data with forward-looking scenario analysis, enabling the design of cost-effective management strategies. By stress-testing the resilience of their portfolios, financial institutions can enhance their strategy and risk management processes, drawing on the lessons learned in the climate space.
Companies that have already developed and implemented climate risk assessment and management systems are well-positioned to begin this journey. Unlike climate risks, nature-related risks involve multi-dimensional, context-specific interactions across ecosystems that typically require granular, location-specific data and metrics. This complexity, combined with challenges in data availability, accessibility and standardisation, is slowing the finance sector’s response to the nature crisis.
However, the TNFD guidance is clear – the process is incremental. Financial institutions are encouraged to start with what they know, tailoring the approach to the sectors and geographies in their portfolio with the most material interactions with nature (e.g. high-impact activities, priority locations). Existing data (such as public or third-party datasets, operational data and disclosures) can be combined with satellite imagery and GIS systems for a more precise, spatially explicit assessment of nature-related risks. Starting with a pilot can go a long way to build internal capability and demonstrate value during this first iteration, with more detailed analysis and disclosures following at a later stage.
Beyond risk: redirecting capital for resilient growth
Whilst a necessary first step, risks and opportunity identification and management are not in themselves sufficient to navigate the challenges ahead. To sustain economic growth in the face of planetary boundaries and population growth whilst building long-term resilience, businesses must rethink their strategies towards regenerative business models that actively restore, renew and enhance natural and social systems to create net positive outcomes for people, nature and the economy.
The finance sector has the power to accelerate systemic change and help close the biodiversity finance gap. Halting and reversing biodiversity loss and restoring ecosystems requires scaling up positive incentives through the mobilisation of USD 200 billion per year from across public and private sources that invest in nature conservation and restoration. It is also essential to reduce financing for environmentally harmful, subsidy-dependent activities and to support the elimination of the estimated USD 500 billion per year in harmful subsidies to nature. Additional efforts in areas such as capacity building, technology transfer, and information and knowledge sharing are also critical to optimise resource use and drive progress.
By embedding considerations for the natural world into decision-making and exercising active ownership, the finance sector can redirect investments away from activities that harm biodiversity, scale up sustainable solutions, and accelerate the adoption of nature-positive, climate-resilient, and socially inclusive models. Leveraging finance to safeguard long-term sustainable growth has become essential. The real question for the sector is how swiftly, credibly, and strategically it can drive the systemic changes needed to navigate this transition.
Lara Alvarez is an environmental economist with over 20 years of experience in environmental consultancy. Specialising in sustainable finance and in the use of double materiality approaches, including natural capital and climate transition frameworks.
A small bedroom feels cute and cosy. But too many furniture or a big bed can make it feel cramped. Want to make it seem more roomy? The right wall paint shades will help you out. Light, airy two-colour combinations bounce light off the walls and create the sensation that they are moving outward rather than coming in. It gives dimension and makes your room feel more spacious. Here are 5 pretty combinations that will make your bedroom look airy and roomy.
1. Soft White and Sky Blue
One of the simplest ways to create an open and airy room is by pairing soft white with a touch of blue. Paint three of the walls a soft white. Choose a pale sky blue for the fourth (preferably the one at the head of your bed). White makes the room feel clean and bright. Blue adds calmness.
Perfect for: Coastal themes, minimalist looks
Tip: Use white ceilings to add extra height
2. Mint Green and Light Grey
Mint green on one or two walls can make us feel more relaxed and connect us to the natural world, especially if we also use a light grey on the remaining walls. This pair is perfect for rooms that receive both morning and afternoon sun. Mint green creates a feeling of freshness. A grounding effect is added by the grey without darkening the space.
Perfect for: Modern or nature-inspired bedrooms
Tip: Paint the wall opposite the window mint green to best reflect light
3. Lavender and Off-White
Soft shades of lavender are a soothing alternative to more traditional pinks. Pair it with walls in off-white or cream for a dreamy vibe. You might paint the back wall lavender and the rest off-white to create a subtle feature without overpowering the space.
Perfect for: Relaxing, romantic bedrooms
Tip: Avoid glossy finishes. A matte or satin texture works best here
4. Peach and Ivory
If you’re longing for a warm, cheerful bedroom but don’t want to make it feel smaller, peach and ivory are a beautiful duo. Give ivory the lead role. Save peach for an accent wall. This two colour combination for bedroom walls creates a welcoming space that still feels light and open.
Perfect for: Cosy, inviting bedrooms
Tip: Pair with light wood furniture to create a soft and cohesive look
5. Beige and Blush Pink
Beige provides the perfect classic neutral base. Blush pink gives it a modern update. This combo is awesome if you’re looking for something a bit warmer than white. Paint the longer walls beige and the shorter walls in blush pink to help visually expand the space.
Perfect for: Feminine, classic styles
Tip: Stick to muted tones for both colours to avoid visual clutter
Final Thoughts
Wall paint plays a huge role in how your bedroom feels. With the right two-colour combination, even the smallest of spaces can feel larger, brighter and more comfortable. Keep it light, soft and simple to watch your bedroom open up with just a few strokes of a brush.
Small bedrooms can feel cozy, but sometimes they also feel tight and packed. The trick to making them look more open is by using smart colour combinations. A sofacum bed already helps in saving space, and with the right mix of two colours on the walls or furniture, the room can look bigger and brighter. Soft tones, bold contrasts, or pastel mixes can completely change how spacious a bedroom feels. With the right choice, even a small room can look stylish and airy.
President Donald Trump clashed with Federal Reserve Chair Jerome Powell on Thursday during a highly unusual joint appearance at the central bank’s Washington headquarters, turning attention to the price tag of ongoing renovations while continuing to press for interest rate cuts.
The confrontation occurred as Trump toured the construction site of two historic Fed buildings, where renovation costs have become a focal point of his criticism. Wearing hard hats, Trump and Powell faced reporters, with the president claiming the project had exceeded $3.1 billion. Powell pushed back, saying Trump had included a separate building completed five years ago.
“We’re going to take a look. We’re going to see what’s happening,” Trump said, suggesting the renovations were unnecessary and still far from finished.
The appearance marked only the fourth time a sitting president has visited the Federal Reserve since its founding. But unlike previous visits, Trump used the moment to renew calls for lower interest rates — and to suggest, though not confirm, he had dropped plans to fire Powell. “To do that is a big move, and I just don’t think it’s necessary,” he said.
Trump posted later on Truth Social that it was a “Great Honor” to tour the facility with Powell, calling the spending “substantial” but arguing the U.S. economy could absorb the cost.
Despite the softened tone, pressure from the Trump administration has intensified. Treasury Secretary Scott Bessent recently said the Fed “requires a comprehensive review,” while Trump’s budget chief Russ Vought accused Powell of mismanagement. Bill Pulte, head of the Federal Housing Finance Agency, openly called for Powell’s resignation.
Trump has repeatedly criticized the central bank for holding interest rates steady, after trimming them by one percentage point in the second half of 2024. He argues that further cuts would save the government hundreds of billions in borrowing costs, as debt payments topped $1.1 trillion last year.
The Federal Reserve is widely expected to hold rates steady at its meeting next week, with markets pricing in a potential cut in September.
Trump, who originally nominated Powell in 2017, has recently branded him “Too Late,” and suggested firing him unless “he has to leave for fraud.” But legal experts say the president’s authority to remove a Fed chair is limited, and the Supreme Court has signaled that the institution’s independence remains protected.
The visit also comes amid mounting scrutiny of Trump’s handling of classified files related to Jeffrey Epstein — a controversy the administration has not fully addressed.
By Terence Tse
CFOs are evolving into AI-driven transformation orchestrators, balancing finance, technology, and strategy while upskilling teams, managing risks, and driving measurable business value.
A key insight from this year’s AI for CFOs event, organized...
The World Financial Review uses cookies to improve site functionality, provide you with a better browsing experience, and to enable our partners to advertise to you. Detailed information on the use of cookies on this Site, and how you can decline them, is provided in our Privacy Policy and Terms and Conditions. By clicking on the accept button and using this Site, you consent to our Privacy Policy and Terms and Conditions. ACCEPT
Privacy & Cookies Policy
Privacy Overview
This website uses cookies to improve your experience while you navigate through the website. Out of these cookies, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may have an effect on your browsing experience.
Necessary cookies are absolutely essential for the website to function properly. This category only includes cookies that ensures basic functionalities and security features of the website. These cookies do not store any personal information.
Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. It is mandatory to procure user consent prior to running these cookies on your website.