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EXCHANGE TRADED FUNDS

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RESPONSIBLE CHOICES

KI050907 Guardian Banner Ad 60x200mm:Layout 1 21/5/09 14:29 The decision is yours

RESPONSIBLE CHOICES8 JUNE 2009

Distributed by The Guardian on behalf of Mediaplanet who take

sole responsibility for its contents

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RESPONSIBLE CHOICES

According to the Energy Saving Trust, 50% of heat loss in a typical home is through the walls and loft, so it'sdefinitely worth getting your home insulated to save money and also reduce your carbon footprint.

For example, adding glass mineral wool insulation to an empty loft and cavity walls can save over £350*every year on your energy bill and more than a tonne of CO², which is just one reason why glass mineralwool is the most widely used insulation product throughout the world.

Glass mineral wool insulation is non-combustible, has high thermal performance, superb sound absorption andis outstanding value for money. It’s a challenge to make something this good even better - but we’ve done it!

Knauf Insulation, the world’s fastest growing insulation company, is proud to introduce a new generation ofmineral wool products made with ECOSE™ Technology. The new products don’t look or feel like anyinsulation you’ve experienced, their natural brown colour represents a level of sustainability and ‘super soft’feel never before achieved. We didn’t choose brown, it just came naturally.

Knauf Insulation’s new glass mineral wool products with ECOSE™ Technology are made using recycledglass bottles and are compression packed to reduce transport emissions and stockist storage costs.They are free from formaldehyde, artificial colours or bleach and are as good as traditional glass mineralwool insulation - only better... naturally!

So it’s time to save energy, it’s time to save money, and it’s time to help save our environment. The world ofinsulation has changed and Knauf Insulation has added the ‘feel good factor’.

For more information please visit www.feelgoodinsulation.com

Ref: ETA103509

*Savings based on figures from the Energy Saving Trust as of April 2009.

KI050907 Guardian FP Ad 280x200mm:Layout 1 21/5/09 14:52 Page 1

the responsible choice

+working together for a better world

=wavecreative serviceswebsite designmultimediae-marketingwww.wave.coop01424 205355

GreenNetemail and broadbandethical hostinglow power PCsadvice and supportwww.greennet.org.uk0845 055 4011

6962_WAVE_GREENNET_AD_ART:Layout 1 28/5/09 11:18 Page 1

Consumer revolutionEnvironmental protection starts with you

Almost everyone knows climate change is the biggest threat we face, and I believe that most people are keen to do their bit to tackle it. The problem is they often don't know how - and it can be difficult to understand the impact of our everyday actions, positively and ne-gatively, on the environment. But what we do know, thanks to the 2006 Review on the Economics of Cli-mate Change by Lord Stern, is that the longer we delay taking action the more expensive it will become.

So it is in all our interests to red-uce the environmental, social and economic impacts of every product and service bought and used in the UK. Often these impacts happen overseas - cot-ton for clothing uses large volumes of water in cotton-producing countries - so invol-ving the supply chain in actions to reduce water-use are crucial. As part of government's effort to move to a low carbon economy, we at the Department for Envi-ronment, Food and Rural Af-fairs are working with key industries both in the UK and overseas to implement sustainability action plans.

Earlier this year, I launched a sustainable clothing action plan with industry to achieve a more sustainable and less environmentally damaging fashion industry.

But we need consumers to demand more sustainable products, which could mean purchasing products with A-rated energy labels, Fairtrade marks, or buying from producers and retailers who have a strong and justified reputation for sustainability.

By demanding su-stainability, consumers can encourage manuf-acturers to innovate and develop less waste-ful processes, retailers to stock more environ-mentally friendly pro-ducts, and can encou-rage improved product recycling. Consumers, too, can lengthen the

life of their products by repairing “old favourites”. Underpinning consumer choice of energy-

using products is our work to achieve am-bitious minimum energy standards for

TVs, fridges and washing machines, so householders will reduce their energy bills just by using the more efficient products.

Consumers will also see more en-ergy labelling, as we work in Europe to achieve improved information in

shops. This year, too, the most energy-effi-

cient lightbulbs will become much more widely used, helping households reduce their

energy bills and help tackle climate change. We're also currently reviewing our Green Claims

Code, so consumers can have more confidence that ad-vertised declarations by manufacturers and retailers are robust.

If we are to be successful in tackling climate change, we all need to do our bit to make responsible choices - whether choosing fair trade, using energy-saving products, pushing for more renewable energy or de-manding more sustainable products.

With thanks to:

By Lord HUNt, MiNistEr for sUstaiNaBLE dEvELopMENt aNd ENErgy iNNovatioN

CONTENTS

Insulation and energy 4Renewable energy 5Fairtrade 6Cosmetics 7

RESPONSIBLE CHOICESA TITLE FROM MEDIAPLANET

Project Manager: Nick Rowcliffe Editor: Tony GreenwayEditorial Manager: Katherine WoodleyDesign: Michael KimberleyPrinted at Guardian print centreTrafford Park Printers

Mediaplanet is the leading European publisher in providing high quality and in-depth analysis on topical industry and market issues, in print, online and broadcast.

For more information about supplements in the daily press, please contact Darren ClarkeTel: +44 (0) 20 7563 8873 [email protected]

Lord Hunt▲

Introduction

3



RESPONSIBLE CHOICES

According to the Energy Saving Trust, 50% of heat loss in a typical home is through the walls and loft, so it'sdefinitely worth getting your home insulated to save money and also reduce your carbon footprint.

For example, adding glass mineral wool insulation to an empty loft and cavity walls can save over £350*every year on your energy bill and more than a tonne of CO², which is just one reason why glass mineralwool is the most widely used insulation product throughout the world.

Glass mineral wool insulation is non-combustible, has high thermal performance, superb sound absorption andis outstanding value for money. It’s a challenge to make something this good even better - but we’ve done it!

Knauf Insulation, the world’s fastest growing insulation company, is proud to introduce a new generation ofmineral wool products made with ECOSE™ Technology. The new products don’t look or feel like anyinsulation you’ve experienced, their natural brown colour represents a level of sustainability and ‘super soft’feel never before achieved. We didn’t choose brown, it just came naturally.

Knauf Insulation’s new glass mineral wool products with ECOSE™ Technology are made using recycledglass bottles and are compression packed to reduce transport emissions and stockist storage costs.They are free from formaldehyde, artificial colours or bleach and are as good as traditional glass mineralwool insulation - only better... naturally!

So it’s time to save energy, it’s time to save money, and it’s time to help save our environment. The world ofinsulation has changed and Knauf Insulation has added the ‘feel good factor’.


Ref: ETA103509

*Savings based on figures from the Energy Saving Trust as of April 2009.

KI050907 Guardian FP Ad 280x200mm:Layout 1 21/5/09 14:52 Page 1


RESPONSIBLE CHOICES

It’s the dawn of a new era in energy saving with Knauf Insulation

However, for the biggest energy saving in our homes, we are recommended to have loft insulation: 270mm of it to be precise.

Out of all the energy saving options, one of the quickest and easiest is to lay the right loft insulation - and once it’s done, it’s there for the lifetime of the building. Forever. It’ll help keep your family warm, save money (you can see a payback in under two years) and help sell your home when it comes to moving. In fact, topping up your existing insulation to 270mm could be the best move of the summer!

With so much choice for insulation out there, and with potential savings of up to £200 per year at stake, what should you be looking for? Fortunately, deciding on the right brand to buy just got easier – the next generation of glass mineral wool insulation products (the best type of insulation) has arrived. Made using recycled glass bottles – from sustainable sources - Knauf Insula-tion’s new products are bound together using rapidly renewable materials with the latest ECOSE Technology.

This brand new, environmentally-friendly technology means your home could have the best eco credentials on the street – it’s so good, Grand Designs magazine recently shortlisted it for a top award.

Naturally brown in colour, the new insulation is ‘super soft’ to handle and makes laying loft insulation – a task that takes just 2-3 hours - even easier. Good for the environment and good for you! Available from leading DIY stores across the country, Earthwool CarbonZero, Space Combi-Roll and Space Blanket are just three of the ‘greenest’ brands you can buy

which will help boost your home’s eco credentials.

Knauf Insulation products with ECOSE Technology aren’t just as good as traditional glass mineral wool insulation, they’re better . . . naturally! Shouldn’t all insulation have this ‘feel good factor’?


Being ‘green’ around the home is becoming the norm. We know we should use energy saving light-bulbs and unplug mobile phone chargers from sockets. We should switch lights off when we’re not using them, and turn the thermostat down by 1°.

The first line of attack is always a good defence

Good insulation is still the best way to keep your energy bills down

In summer, insulating your home is usually the last thing on your mind.

This year, though, things are different. If the UK is heading for a winter of discontent, with both a chill wind and a recession biting, it's going to be more important than ever to make sure your home retains its warmth - and acting now can make a big difference la-ter.

Installing proper insulation, say the experts, should be the first thing on your ‘to do' check-list be-cause it's affordable, easy to fit, long-lasting (40 years is the ave-rage) and can make a real impact on your fuel bills. Indeed, a com-

bination of sensible insulation and draught exclusion on doors and windows could cut fuel bills by up to £180 every year, estimates the government. There's a finan-cial incentive too. All UK homes are now eligible for at least 50 per cent off cavity and loft insulation; while pensioners and households on benefits receive free insulation. Lagging pipes and tanks can also keep your water hotter and reduce heat loss.

There was a time when insu-lation was a simple process: You bought what was on the market, which was easy because there wasn‘t a lot of choice. These days, however, a bewildering variety

of insulation is available. Choose from mineral wool blankets (man made from glass or rock wool, some of which will have a high recycled content), hemp, flax or sheep wool

– although some products are more expensive than others (sheep wool, for instance, will tend to cost you more).

Check out a material’s worth by assessing its ‘R- value', too - the rating used to measure an insulation's ability to resist heat flow (so the higher the R-value, the more effective the product).

Then there are phenolic foams and polystyrene insulations. “In some situations these are the only solutions if there isn't that much room in the space to be insulated,”

Insulation & energy

REF: ETA103609

®

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RESPONSIBLE CHOICES

Solstice provides PV and thermal design and installation for domestic, community or commercial use. We give assistance with planning and grant applications and are approved under the MCS scheme, REAL Assurance and the NICEIC.

Solstice Energy Ltd14 Gladwyn RoadLondon SW15 1JY

Tel: 020 8789 4717www.solsticeenergy.co.uk

says Andrew Yeats from ecological architecture practice, Eco-Arc.

Two inches of foam could give you the same effect as five or six inches of sheep wool. Making things even more complicated, adds Yeats, is the inescapable fact that every supplier will advocate the benefits of their particular pro-duct.

But whatever you use, insula-tion is worth it. If everyone in the UK installed 270mm of loft insula-tion, say the Energy Saving Trust, we could save nearly four million tonnes of CO2 every year. Most heat is lost through walls (around 33 per cent, say the National In-sulation Association); but floor insulation shouldn't be overloo-ked. Gaps under the skirtings and between floor boards can be filled with a sealant gun, but Andrew Yeats advocates going one step further. In his house, Yeats has overlaid his concrete floors with polystyrene insulation and then installed a floating floor on top.

Under his timber floors, he has

insulated between the joists and laid new boards on top.

“You have to be careful about re-strictions on head heights,” he says, “and you have to be careful about good ventilation under a timber floor, because otherwise the joists can rot; however, ventilation is re-quired whether or not the floor is insulated. But it's definitely worth doing.” And before summer's over, preferably.

“A combination of sensible

insulation and draught

exclusion on doors and

windows could cut fuel bills by up to £180”

Tapping into the elementsFor homeowners, renewable energy technology has to be part of a long-term ideal – not a plan for short-term profits

Fossil fuels aren’t just harming the envi-ronment – they are also dwindling fast. Re-newable energy resources, say green cam-paigners, have to be the way forward - not least because they can make a big impact in our fight against global warming.

Angela Gallacher is from the Renewable Energy Centre, an online resource promo-ting renewable energy and energy saving. She says the UK has the skills and capability to be a world-leader in wind and wave tech-nology, but points out that we are behind the curve compared to other countries.

“Interest in renewable energy has grown over the last 10 years,” she says. “But some countries are more forward-thinking, such as the Scandinavians. The UK hasn’t taken advantage of what the renewable energy industry could offer the economy and the environment. And this is the industry that could get the country out of the economic slump because it’s still very new, untapped territory.”

For the average homeowner, renewable energy – such a solar water heating (using radiation from the sun to heat water) or photovoltaics (generating electricity from direct sunlight) - is an option; but it is ex-

pensive to install and not a first considera-tion unless you are in the process of buil-ding your own home.

“There’s no point in installing solar-panels if your house isn’t first fully-insu-lated and air-tight,” says Angela Gallacher. “Then it’s about reviewing your heating system to ensure the boiler is high energy-efficient. Only after that would you look into solar heating, photovoltaics, ground source heating or heat-recovery, which is a relatively new technology.”

And wind-turbine technology? “If you live on the top of a hill in Wales,” she says, “but turbines are generally not suitable for urban environments.”

The real problem, says Gallacher, is that people tend to look at renewable energy in terms of immediate financial payback instead of taking the long-term energy-saving and environmental view. Andrew Yeats, from architectural practice Eco Arc, agrees. “It has to be something you want to do as a responsible citizen,” he says, “for the feelgood factor of doing the right thing and reducing your individual carbon footprint. It has to fit in with your other ecological principles.”

Renewable energy

photo: istockphoto


RESPONSIBLE CHOICES

OrganicSuper FoodsSuper Nutrition

Goji & Yacon MuesliGluten Free Muesli with Goji & Yacon

Recyclable and biodegradable packaging

Available from Waitrose and Morrisons

More than just breakfast

Available from Waitrose and Morrisons

MORAL SUPPORTGrowing numbers of consumers are demanding ethical products in sensible packaging

More shoppers are demanding ethi-cal goods, looking for proof of fair trade - thus supporting small far-mers in developing countries - and rejecting the sweatshop systems of old. According to a poll from TNS Worldpanel Fashion, published last October, 72 per cent of British consumers thought that ethical production of clothes they bought was important. They are obviously beginning to feel the same about ethical farming, too. After chef Hugh Fearnley-Whittingstall's TV campaign demanding improved living conditions for battery hens, the sales of free-range chicken rose by 35 per cent.

In a recession, there is a fear that consumers will suddenly ditch their principles – yet the Ethical Consumer Research Association

(ECRA) is optimistic that ethi-cal products haven’t been ‘credit crunched’ yet. “Most of the money spent on green goods is still from committed ethical consumers,” says Dan Welch from Ethical Con-sumer Magazine, “and these are the people least likely to change their buying habits, despite the downturn.”

Wasteful packaging is also cau-sing consumer unease.

Some might have grumbled when supermarkets reduced the number of bags issued by 26 per cent (23,000 tonnes), but many consumers are now used to bring-ing their own carriers to the check-outs.

WRAP (Waste and Resources Action Programme) was set up by the government in 2000, and

has signed an agreement with over 30 retailers,

brands and suppliers - including Asda, Sainsbury's, Tesco

and Marks & Spen-cer - to find new ways to

reduce packaging and food waste.

For example, the retail in-dustry now has the techno-

logy to recycle plastic bottles... so they can be turned back into

plastic bottles. If that sounds like

a lot of effort for nothing, don't be fooled, says WRAP's Market Deve-lopment Director, Marcus Gover. There is method in this madness. “It's about recycled material mee-ting standards to make sure it is pure and clean,” he says, “and able

to pass food standards. Every tonne of plastic bottles recycled in this way saves one and a half tonnes of carbon dioxide. That's a big saving - and it's made because we don‘t have to produce plastic from oil. We've reused it instead.”

Fair trade

photos: istockphoto

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RESPONSIBLE CHOICES

Cocoa Butter Body Butter contains Community Trade shea butter and cocoa butter from Ghana.

Our gorgeous, glossy Lip Colours are enriched with Community Trade marula oil from Namibia. The women’s run Eudafano cooperative ensures over 4,800 women across 12 rural communities earn a fair, sustainable, independence-boosting income, often the first income many have ever had, and the means to send their children to school.

At The Body Shop, we’ve always been interested in where our ingredients come from, how they grow, who harvests them, how they’ve been processed, what impact they have on the planet and what they can do for your skin.

The Beauty of Fair Trade:

GorGeouS ProducTS ThAT don’T coST The eArTh

This interest, and our strong belief in a different, better way of doing business, led us to be one of the first, if not the first, cosmetic company to introduce fairly traded ingredients to our industry, an achievement that is still unrivalled today. We call this unique purchasing programme, Community Trade. This year The Body Shop celebrates 22 years of Community Trade. Our commitment continues to grow, with over 65% of all our products either containing Community Trade ingredients or made by a Community Trade supplier. Sourcing from marginalized communities across the world, we aim to pay a fair price and give producers access to a global market that may otherwise be out of their reach. Applying a face cream or washing your hair may seem far removed from the serious world of trading relations, but thanks to our customers over 25,000

people in more than 20 countries across the world including Ghana, Brazil and Namibia, are earning a fair price for their product. With the Community Trade

programme everyone benefits. The Body Shop purchases high-quality ingredients, accessories and gifts, our customers can buy gorgeous, value for money products and farmers and artisans benefit from increased financial security and are able to invest in their future, from providing for their families, sending their children to school and health resources. So if you can buy a fabulous pampering product knowing that somewhere in the world, a community benefits from a fair deal, then the simple question is, why wouldn’t you?

www.thebodyshop.com

Committed… or Cosmetic?The beauty industry is aware of - and re-sponding to - consumer concerns about fair trade, the environment and corporate social responsibility issues, says the association which promotes the interests of cosmetics manufacturers and suppliers.

“There is no ‘one stan-dard’ across the in-dustry,” says Paul Crawford, Head of Regulatory Services at the Cosmetics, To-iletry and Perfumery Association. “Take fair trade. If you are produ-cing a range of products based on natural ingredients from developing countries, then you will have a greater focus on fair trade. Bigger companies can go direct to the developing world and deal directly with local suppliers, but many small companies can’t and have to buy in ingredients from distributors and manufacturers.” Natural and organic pro-

ducts only comprise between 2-4 per cent of the market, however; much of the industry focuses on traditional science-based ingre-dients.

Then there is animal testing, which has always been an emotive issue. In March

this year, campaigners cheered when an EU ban on animal testing for

cosmetics came into effect. Yet this is a rolling ban and its

progressive implementa-tion still permits animal

tests for which no acceptable alter-native exists. Even so, the cosmetics

industry doesn’t have long to pioneer some new science because in 2013 a to-

tal Europe-wide ban will be enforced. “The cosmetics industry has been trying

to find alternatives to animal testing for ye-ars,” insists Crawford. “That continues. We are a consumer-facing industry reliant on our customers having trust in our products. The only way to do that is to be ethical and to do things properly.”

The beauty industry says its stance on ethical issues isn’t skin deep

Cosmetics

photos: istockphoto


RESPONSIBLE CHOICES

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