Teaching kids to fear maths will harm Britain's chances in the global economy

The prospect of learning maths scares us, but actually doing the proper stuff is rather enjoyable.

If someone were to give you a maths textbook, what would your reaction be? What about if you were faced with a set of sums to do? Or told you cannot graduate until you have taken a certain number of maths classes?

If these scenarios make you feel nauseous, you are probably an HMA – someone with a high level of maths anxiety. For some people, the threat of a maths test is equivalent to the prospect of walking down a dark alley in an unfamiliar city. People with extremely high levels of mathematics anxiety even experience physical pain.

We know this thanks to a study published, appropriately enough, on Hallowe’en. The research involved recruiting volunteers who rated high and low in maths anxiety. They were put into a magnetic resonance imaging scanner and given a range of tasks to do. Some involved maths quizzes; some tested verbal skills.

In the most illuminating part of the study, the volunteers were told whether it was maths or language tests coming up. The prospect of having their verbal skills tested provoked nothing remarkable in the brain scans. For those who were highly maths-anxious, the signal that a maths test was coming up created a surge of activity in the bilateral dorso-posterior insula. This is a region of the brain associated with the presence of physical pain and the reaction is the same as to a physical threat – you experience the urge to get the hell out of there.

Though many papers reported the research as justification for a fear of maths, it goes far deeper than that. The most important finding from the study is that when the volunteers started to do maths, all that anxiety and pain went away. The prospect of maths scares and sometimes pains us; doing maths is strangely enjoyable. Proper maths, that is – not the endless repetition of learned techniques such as multiplying fractions or ploughing through long division.

The way we teach mathematics is leaving many people mentally scarred. Allow students to develop a feel for numbers by letting them solve puzzles, and everything changes. The message from the Computer-Based Math™ Education summit held at the Royal Institution in London this month goes even further. Allow children to learn maths by using computers to solve problems and not only does the subject get easier, but they leave education ready to work in a world increasingly dominated by digital technology.

This idea is anathema to traditionalists, but something has to change. Just under half of the adult population can’t complete even primary-school maths problems. Adults with poor numeracy skills are twice as likely to be unable to find work; it’s no wonder they are also twice as likely to suffer from depression. Innumeracy leads to poor money management and problems with debt. On 7 November, the charity National Numeracy launched a partnership with the Nationwide Building Society to help people develop numeracy skills to manage their finances.

Economy class

Innumeracy will affect Britain’s ability to compete in a global economy, too. At the beginning of October, the Royal Academy of Engineering announced that the UK can maintain its industrial output only if British universities produce 10,000 more science, technology, engineering and maths graduates every year.

It’s not clear where they are going to come from, because each one will need to leave school with decent maths skills.

If things carry on as they are, we can abandon hope of a role on the world economic stage in the future, all because we’re inflicting pain in maths class. As a doctor might say, if it hurts that much, you’re probably doing it wrong.

Michael Brooks’s “The Secret Anarchy of Science” is published by Profile Books (£8.99)

Scary maths. Photograph: 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 26 November 2012 issue of the New Statesman, What is Israel thinking?

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Let's turn RBS into a bank for the public interest

A tarnished symbol of global finance could be remade as a network of local banks. 

The Royal Bank of Scotland has now been losing money for nine consecutive years. Today’s announcement of a further £7bn yearly loss at the publicly-owned bank is just the latest evidence that RBS is essentially unsellable. The difference this time is that the Government seems finally to have accepted that fact.

Up until now, the government had been reluctant to intervene in the running of the business, instead insisting that it will be sold back to the private sector when the time is right. But these losses come just a week after the government announced that it is abandoning plans to sell Williams & Glynn – an RBS subsidiary which has over 300 branches and £22bn of customer deposits.

After a series of expensive delays and a lack of buyer interest, the government now plans to retain Williams & Glynn within the RBS group and instead attempt to boost competition in the business lending market by granting smaller "challenger banks" access to RBS’s branch infrastructure. It also plans to provide funding to encourage small businesses to switch their accounts away from RBS.

As a major public asset, RBS should be used to help achieve wider objectives. Improving how the banking sector serves small businesses should be the top priority, and it is good to see the government start to move in this direction. But to make the most of RBS, they should be going much further.

The public stake in RBS gives us a unique opportunity to create new banking institutions that will genuinely put the interests of the UK’s small businesses first. The New Economics Foundation has proposed turning RBS into a network of local banks with a public interest mandate to serve their local area, lend to small businesses and provide universal access to banking services. If the government is serious about rebalancing the economy and meeting the needs of those who feel left behind, this is the path they should take with RBS.

Small and medium sized enterprises are the lifeblood of the UK economy, and they depend on banking services to fund investment and provide a safe place to store money. For centuries a healthy relationship between businesses and banks has been a cornerstone of UK prosperity.

However, in recent decades this relationship has broken down. Small businesses have repeatedly fallen victim to exploitative practice by the big banks, including the the mis-selling of loans and instances of deliberate asset stripping. Affected business owners have not only lost their livelihoods due to the stress of their treatment at the hands of these banks, but have also experienced family break-ups and deteriorating physical and mental health. Others have been made homeless or bankrupt.

Meanwhile, many businesses struggle to get access to the finance they need to grow and expand. Small firms have always had trouble accessing finance, but in recent decades this problem has intensified as the UK banking sector has come to be dominated by a handful of large, universal, shareholder-owned banks.

Without a focus on specific geographical areas or social objectives, these banks choose to lend to the most profitable activities, and lending to local businesses tends to be less profitable than other activities such as mortgage lending and lending to other financial institutions.

The result is that since the mid-1980s the share of lending going to non-financial businesses has been falling rapidly. Today, lending to small and medium sized businesses accounts for just 4 per cent of bank lending.

Of the relatively small amount of business lending that does occur in the UK, most is heavily concentrated in London and surrounding areas. The UK’s homogenous and highly concentrated banking sector is therefore hampering economic development, starving communities of investment and making regional imbalances worse.

The government’s plans to encourage business customers to switch away from RBS to another bank will not do much to solve this problem. With the market dominated by a small number of large shareholder-owned banks who all behave in similar ways (and who have been hit by repeated scandals), businesses do not have any real choice.

If the government were to go further and turn RBS into a network of local banks, it would be a vital first step in regenerating disenfranchised communities, rebalancing the UK’s economy and staving off any economic downturn that may be on the horizon. Evidence shows that geographically limited stakeholder banks direct a much greater proportion of their capital towards lending in the real economy. By only investing in their local area, these banks help create and retain wealth regionally rather than making existing geographic imbalances worce.

Big, deep challenges require big, deep solutions. It’s time for the government to make banking work for small businesses once again.

Laurie Macfarlane is an economist at the New Economics Foundation