Explosive news of life on Jupiter’s erupting moon, and in Indonesia

While volcanic eruptions disrupt life in Indonesia, elsewhere in our solar system they might be making it interesting.

This column won’t be of much comfort to the thousands displaced by volcanic eruptions in Indonesia. Lava flows are reaching as far as five kilometres from Mount Sinabung, which has been erupting since September, and the Indonesian government has said that any settlements within three kilometres of the mountainside will be relocated permanently. But even if there is no human habitation in the area, we know that there will be much new life emerging in the shadow of the volcano.

This is what happened on the Japanese island of Nishinoshima. Created by a volcanic eruption 40 years ago, it is now home to four species of plant and plenty of insects.

Volcanoes are a great boon to biology. According to a paper published in this month’s edition of the journal Geology, volcanic eruptions and other side effects of the earth having a hot, molten interior are responsible for the vast range of life on our planet.

The evidence comes from zircons, crystals that are formed only in volcanic eruptions. Geologists have found a glut of zircons in rocks that formed just before the period biologists call the Cambrian Explosion. The Cambrian Explosion occurred 540 million years ago, when a huge number of new animals suddenly appeared. Most of the body forms of today were formed in this ten-million-year evolutionary spurt – after the zircons appeared. The conclusion? Volcanic eruptions are one of the earth’s vital signs: an indication that life is about to get interesting.

That is largely because eruptions throw huge amounts of carbon dioxide into the atmosphere. The warming effect this produces affects the climate and provides a change in conditions that favours the emergence of diversity. Put simply, the organisms that were suited to the old earth fall by the wayside, creating space for new life experiments.

That is especially fascinating given observations of one of Jupiter’s moons. The ice-world Europa has long been seen as a good potential home for extraterrestrial life. That candidacy just got much stronger: it was reported last month that astronomers using the Hubble Space Telescope to keep an eye on Europa have spotted evidence of volcanic activity.

Europa’s ice crust, which is thought to be a few kilometres thick, covers a watery ocean over 100 kilometres deep. Nobody knows whether life exists in that ocean, but if it does it would require a source of energy. As so little sunlight penetrates the ice crust, that would have to come from within. That is why the signs of intermittent plumes of vapour erupting from the ice have so excited hunters of extraterrestrial life: it suggests that some kind of life-giving volcanic energy is at work inside the icy moon.

We won’t find life on Europa any time soon. Though the plumes rise high enough that passing spacecraft could sample the vapour spurting from the ocean – and perhaps detect life within it – the next scheduled flyby of Europa will take place in 2031.

It is sobering to think that, if the astronomers’ conclusion is right, Europa is only the fourth body in the solar system to exhibit volcanism. The other three are its neighbouring moon Io, Saturn’s moon Enceladus and, of course, Planet Earth. These are very special places: volcanoes bring misery and death but they also usher in the possibility of complex biology. While volcanic eruptions disrupt life in Indonesia, elsewhere in our solar system they might be making it interesting.

More than 25,000 people have fled their homes following a series of eruptions and lava flows from Sinabung volcano in North Sumatra. Photo: AFP/Sutanta Aditya/Getty Images.

Michael Brooks holds a PhD in quantum physics. He writes a weekly science column for the New Statesman, and his most recent book is At the Edge of Uncertainty: 11 Discoveries Taking Science by Surprise.

This article first appeared in the 21 January 2014 issue of the New Statesman, The radicalism of fools

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Stability is essential to solve the pension problem

The new chancellor must ensure we have a period of stability for pension policymaking in order for everyone to acclimatise to a new era of personal responsibility in retirement, says 

There was a time when retirement seemed to take care of itself. It was normal to work, retire and then receive the state pension plus a company final salary pension, often a fairly generous figure, which also paid out to a spouse or partner on death.

That normality simply doesn’t exist for most people in 2016. There is much less certainty on what retirement looks like. The genesis of these experiences also starts much earlier. As final salary schemes fall out of favour, the UK is reaching a tipping point where savings in ‘defined contribution’ pension schemes become the most prevalent form of traditional retirement saving.

Saving for a ‘pension’ can mean a multitude of different things and the way your savings are organised can make a big difference to whether or not you are able to do what you planned in your later life – and also how your money is treated once you die.

George Osborne established a place for himself in the canon of personal savings policy through the introduction of ‘freedom and choice’ in pensions in 2015. This changed the rules dramatically, and gave pension income a level of public interest it had never seen before. Effectively the policymakers changed the rules, left the ring and took the ropes with them as we entered a new era of personal responsibility in retirement.

But what difference has that made? Have people changed their plans as a result, and what does 'normal' for retirement income look like now?

Old Mutual Wealth has just released. with YouGov, its third detailed survey of how people in the UK are planning their income needs in retirement. What is becoming clear is that 'normal' looks nothing like it did before. People have adjusted and are operating according to a new normal.

In the new normal, people are reliant on multiple sources of income in retirement, including actively using their home, as more people anticipate downsizing to provide some income. 24 per cent of future retirees have said they would consider releasing value from their home in one way or another.

In the new normal, working beyond your state pension age is no longer seen as drudgery. With increasing longevity, the appeal of keeping busy with work has grown. Almost one-third of future retirees are expecting work to provide some of their income in retirement, with just under half suggesting one of the reasons for doing so would be to maintain social interaction.

The new normal means less binary decision-making. Each choice an individual makes along the way becomes critical, and the answers themselves are less obvious. How do you best invest your savings? Where is the best place for a rainy day fund? How do you want to take income in the future and what happens to your assets when you die?

 An abundance of choices to provide answers to the above questions is good, but too much choice can paralyse decision-making. The new normal requires a plan earlier in life.

All the while, policymakers have continued to give people plenty of things to think about. In the past 12 months alone, the previous chancellor deliberated over whether – and how – to cut pension tax relief for higher earners. The ‘pensions-ISA’ system was mooted as the culmination of a project to hand savers complete control over their retirement savings, while also providing a welcome boost to Treasury coffers in the short term.

During her time as pensions minister, Baroness Altmann voiced her support for the current system of taxing pension income, rather than contributions, indicating a split between the DWP and HM Treasury on the matter. Baroness Altmann’s replacement at the DWP is Richard Harrington. It remains to be seen how much influence he will have and on what side of the camp he sits regarding taxing pensions.

Meanwhile, Philip Hammond has entered the Treasury while our new Prime Minister calls for greater unity. Following a tumultuous time for pensions, a change in tone towards greater unity and cross-department collaboration would be very welcome.

In order for everyone to acclimatise properly to the new normal, the new chancellor should commit to a return to a longer-term, strategic approach to pensions policymaking, enabling all parties, from regulators and providers to customers, to make decisions with confidence that the landscape will not continue to shift as fundamentally as it has in recent times.

Steven Levin is CEO of investment platforms at Old Mutual Wealth.

To view all of Old Mutual Wealth’s retirement reports, visit: www.oldmutualwealth.co.uk/ products-and-investments/ pensions/pensions2015/