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[Electronic beat]

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[Enda:] Welcome to Futures Conversations,

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the Edinburgh Futures Institute podcast 
that showcases

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all the wonderful research taking place
at the Edinburgh Futures Institute.

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Research at the Futures Institute 
is challenge-led and interdisciplinary

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addressing many of the greatest challenges
we face in the world today.

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I'm your host, Enda Delaney,
the Director of Research at the Futures Institute.

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[Electronic beat]

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[Enda:] In this episode, 
I'm joined by Professor Liz McFall.

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Liz is professor of Sociology of Markets

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and Director of the EFI
Data Civics Observatory.

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Liz, just to get our discussion going,

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could you tell us a little bit
about your background, where you grew up,

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who inspired you,

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what values were important to your family
and wider social group?-

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[Liz:] So I'm from Broxburn,
which is a small former shale mining town

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about nine miles west of Edinburgh.

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On my father’s side, my history
traces back to Irish immigrants

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who came to work the shale mines,

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the shale oil industry.

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Broxburn was a boom town for about

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just under 100 years,

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it was the biggest crude oil manufacturer

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in the world for that period of time.

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But the significant part of that for me,

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erm...

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growing up
there was that university wasn't really

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a thought for people of my background,
people at my school.

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So Edinburgh University
was obviously something we knew about,

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and you knew of people who went there,
but it wasn't really a thinkable thought.

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Even though I would say
from about the age of 13 or 14

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I knew I had some level
of academic ambition.

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So I went from school at the age of 16,

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I wasn't quite at my 17th birthday,

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to Queen Margaret College, which was then

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in the second year of launching
a degree called Communication Studies.

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I remember one of the nuns, 
Sister Immaculata, saying to me,

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“central institution degrees are not worth
the same as university degrees”, but

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they had the same name, Bachelor of Arts,
so I didn't really understand that.

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I think my biggest
understanding of university was from

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watching University Challenge,
and I did not identify.-

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[Enda:] And what was this route to academia
for you?

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You're obviously- you're a professor
of Sociology now at Edinburgh University,

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you know,
how did you get from Queen Margaret to-

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to where you are today?-
by a very convoluted route.

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[Liz:] By a very convoluted route.

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So I was less than 17 years old
when I started my first degree in 1982.

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By 1985, I had dropped out.

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And it took me till 1987 to realise
that was a bad idea.

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So I had to finish the degree,
which I did.

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But that left me with an ordinary BA degree

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at a time when 
I was increasingly thinking

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I want to get back to academic work.

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So in about 1990,

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I signed up for a master's degree.

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The only master's degree I could get funding for

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was one that included 
Information Technology,

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which the Scottish Office
was then funding master's degrees for.

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This is immediately pre-internet,
so the information superhighway

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was beginning to be talked about.

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But no one really knew what that was.

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And as someone
who wasn't really a technical person,

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I didn't really understand
what it was either.

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And it was interesting enough,
even though at least 50% of it was

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a struggle for- for me to understand things
like the engineering of networks

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that was starting to happen
and the little bits of coding on expert system shells

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that I had to do,
which was probably

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the worst three weeks of my life.

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But there was a part of it
which was to do with

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information technology or innovation policy,
which I did get very interested in.

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That's why I did my dissertation in,

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and the route that I took was about
the social and cultural determinants.

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At that time, everyone was talking
about Japan, or to some extent, France,

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as being exemplars

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of how you support an innovation policy

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that can enable economic recovery
to pick up really quickly.

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And I had the sense
that this simply wouldn't work here

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because you could see the cultural
and social determinants of

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why that works in other places,
but wouldn't necessarily work here.

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And I think that was probably
one of the things that reminded me

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that the sociocultural dimensions

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of economic policy

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was kind of where my interest really lay.

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I was always interested

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in the kind of cultural
and promotional side of communication.

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So I'd been very interested
in advertising,

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but I was kind of interested not just in
how it looked, but how it worked.

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So I started teaching in further education
in what was then called

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Jewel and Esk Valley College,
and I was teaching marketing and

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basically anything they asked me to teach
[laughs]

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and this was a route for me to try
and figure out if I wanted to teach.

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And around that time, I was hired by
the Open University as a part time tutor,

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teaching
an Introduction to Social Sciences.

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And this was really kind of
enlightening for me

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because I remember in the early sort of,

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staff development workshops
being asked: “well, what was my discipline?”

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And I didn't have an answer,
I didn't know.

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[laughs]
So it took about three years of teaching

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on that course to realise that

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if I had a home,
it was more sociology than anything else,

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but I still considered myself
a very kind of unconventional,

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sociology-adjacent type person
in a kind of academic disciplinary way,

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if not an intellectual way.-

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[Enda:] I started my academic career
in the Open University as well, and

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I mean, I'm interested to know if you
you feel that the values of,

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of the Open University, that you've sort
of carried them with you through-

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throughout your career, their emphasis on
social inclusion, diversity of learning,

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different cohorts of people that they attract?-

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[Liz:] Oh, absolutely.

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The Open University, certainly
as it was when I joined in the early ‘90s,

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has absolutely shaped my values
and what- what

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I hold most sacred,
if you like in higher education,

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and that is to do with accessibility
to all.

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It's also to do with making content

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that is going to work 
on a variety of different levels,

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for a variety of different abilities
and a variety of different backgrounds.

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The way that the Open University did that,
certainly in the social sciences,

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was to present dimensions
of everyday life to students.

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So you're meeting students
where they already are.

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You're kind of engaging them with things
they already know,

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and just pushing a bit further
to try and think about

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aspects of everyday life,
making the familiar strange.

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And at that time, you had people
like Stuart Hall and Doreen Massey

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on Open University broadcasts,
which were still happening on BBC2

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late at night,
but also on more mainstream

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programs like The Late Show, expressing
and communicating these ideas.

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And this kind of blew me away

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because I hadn't thought about 
disciplines in that way.-

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[Enda:] This emphasis on the everyday, I think,
fits very much into what you do at EFI,

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running the Data Civics Observatory,
which I know has being inspired by the

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the great town planner and polymath,
Patrick Geddes.

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Could you tell us a little bit about what
the Observatory does, what-

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what its purpose is
and how you see that, er,

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informing policy, society more generally?-

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[Liz:] When I first heard about 
the Edinburgh Futures Institute, I was blown away

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by how much this kind of geographical site
had changed.

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And the ideas for the Edinburgh Futures
Institute

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at that moment
were just mind blowing to me in terms of

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what looked
like a commitment to doing-

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to doing education a bit differently,
to making, as the saying goes,

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a more porous-walled university.

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So it was much less cut off from the city,

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and that went on to inform

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the ideas behind the Data Civics Observatory.

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When I first encountered
the work of Patrick Geddes,

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it was when I came back to Edinburgh
and did that thing

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that people often do when they've left
the city and returned 20 years later,

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I was looking at it with new eyes

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and trying to map together
what the city I had known and loved,

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actually all my life, but particularly
in the ‘80s and ’90s when I lived here,

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to the changes that had taken place,
and to try and

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look for, probably for the first time,
at how the city functioned technically

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and materially.

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I think that sort of slowly
led me to the work of Patrick Geddes,

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who appealed to me
enormously as I started to find out

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more about him for all sorts of reasons.

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But most keenly was the idea
that he was a very,

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very keen observer and a very eclectic
observer of everyday life.

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So he had been developing a whole bunch

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of different visual techniques
for watching the city, observing the city,

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trying to understand
how people lived within it,

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but trying to understand it
not just from a scholarly perspective,

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trying to understand it
because he wanted to intervene,

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taking a close watch on the city.

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But secondly,
the idea of conservative surgery,

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because this Royal Mile, this,
part of the Old Town

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that looks like it's always been that way,
actually owes much of its appearance

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to the kind of interventions
that Geddes and his, erm,

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followers and community actually made.

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So the appearance of decked access,
the little balconies

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on which you'll see plant pots,
and so forth, and the green areas around

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Ramsay Gardens,
these are a direct result of his

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quite early commitment to conservative surgery.

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Not treating, erm,

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problematic areas of cities

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as something that needed
to be completely bulldozed, modernised.

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Conservative surgery
was “let's save the important bits

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and improve them
and make them more liveable.

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Let's deal with these kind of every-

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things that everybody wants
a bit of natural light, green space,

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housing that's not dark, crowded, damp.”

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That was really appealing to me,
this kind of combined

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observatory and laboratory on the city
as a sort of thing

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that EFI might be able to sort of reinvent-

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and this sort of settlements
project reinvention, this idea that,

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well, we are responsible for the city more
than just as an employer,

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more than just as a landlord, and more than just
as an education institute.

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We have expertise
that should be intervening in the city

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and- and has the capacity with things
like the City Region Deal to do it.

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The Data Civics Observatory
basically just tries to reinvent

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Geddes’ core ideas

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for a- a contemporary context.

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Also provide you an insight to 
how those cities are functioning

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how people feel about those cities,

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whether they're visitors, 
short-term residents, or long-term residents.

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So we've experimented
with a number of small projects to try and

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do a Geddesian type thing of, erm,

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observing and experimenting with, well,

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how does it work to watch the city
and sort of almost play it back to it?

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So amplify the knowledge that's already
out there amongst local communities.-

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[Enda:] Maybe just be worth explaining
for the listeners the sort of

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socioeconomic context
of- of Granton Waterfront

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and what you've been involved in
doing there.-

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[Liz:] Sure, erm,

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so Granton is in an area

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that borders
the Forth, along the Firth of Forth

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after the Industrial Revolution,
it becomes very significant

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in terms of Edinburgh's transition,

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to using gas energy.

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So the train lines,
which are now cycle paths,

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stretch along the North shore

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and they end up in Granton,
and they would have fed the gasworks,

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which gradually in the 20th century,
became also places

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where a lot of early municipal
housing estates grew up.

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So you get this
dense social housing appearing,

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sometimes
under quite severe economic constraints.

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So the building- housing itself,
even though some of it was award-

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award-winning in its time, was probably not

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manufacturers
of the best quality materials.

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So flats became damp, erm, 

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they became dirty,
they became hard to maintain,

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they became very cold in the winter.

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And at the same time this was happening,

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the economic fortunes
were starting to fail.

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So you had a period
where this bulk of housing,

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the density of housing,
had grown up very quickly and

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in advance of the infrastructure, 
in advance of the green spaces and the shops

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and schools that you need to

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sort of, form
the social and cultural life of a city.

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To cut a long story short, in the postwar period, 
areas like Granton,

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despite whatever hopes there were for them,

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became centres of a concentration 
of multiple deprivation.

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And you get the same patterns,

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if you look at the 
Scottish Index of Multiple Deprivation,

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all surrounding the perimeters
of Edinburgh, you get the dark colours,

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the blacks that indicate
a high index of multiple deprivation.

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And it's striking how much that

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the social topography of Edinburgh

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actually resembles its natural topography,
where you have

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this volcanic peak in the centre
sloping away down to the south and the north.

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The interest in Granton
as a Data Civic Observatory project

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00:14:06,840 --> 00:14:11,240
came from well, let's
try and understand how this has happened.

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And also particularly from,
to go back to the City Region Deal,

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the fact that the Granton Waterfront
development project had started there,

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and this is a very long-term,

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00:14:24,240 --> 00:14:29,520
public sector-led project
designed to take a more sustained

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00:14:29,600 --> 00:14:32,680
and comprehensive approach
to regeneration in the area.-

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[Enda:] So I wanted to move on to ask you
a little bit about the visual dimension to-

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to your work.

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00:14:37,560 --> 00:14:40,360
There's a very strong visual, erm, dimension.

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00:14:40,360 --> 00:14:45,120
Both in the Granton Civicscope 
and also the work of the AreWeData Collective.

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00:14:45,440 --> 00:14:49,080
Why is the visual dimension
so important for- for what you do?-

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00:14:49,480 --> 00:14:51,760
[Liz:] I think there's all sorts of aspects
to it.

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00:14:51,760 --> 00:14:55,040
The most obvious one is having
the background at the Open University

255
00:14:55,520 --> 00:14:58,200
The Open University
taught in a very visual way,

256
00:14:58,200 --> 00:15:01,200
because if you're not seeing students
face to face,

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00:15:01,440 --> 00:15:03,440
you need all sorts of tools to make, erm,

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00:15:04,640 --> 00:15:06,720
ideas come alive for them.

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00:15:06,720 --> 00:15:10,920
It takes 20 to 40 minutes to watch
the kinds of films that

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00:15:10,920 --> 00:15:16,640
the collective I’m involved with make,
and I hope to kind of make people feel

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something as a result of watching
these films, not just acquire facts, but

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acquire
a sort of feeling to be literally moved

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00:15:26,800 --> 00:15:30,280
by, well, this is the history of the place
that I live in.

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00:15:30,720 --> 00:15:35,600
This is the history of why this shop layout
is this shop layout.

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00:15:35,600 --> 00:15:37,840
Very, very ordinary and very, very mundane.

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00:15:37,840 --> 00:15:40,840
But how it happens is really fascinating.

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00:15:40,880 --> 00:15:44,560
And you can tell those stories in film
in a way that you can’t, erm,

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00:15:45,480 --> 00:15:47,880
in an academic paper,
and you certainly can't tell them

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00:15:47,880 --> 00:15:50,880
to the sort of variety of audiences that, erm,

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00:15:51,960 --> 00:15:53,680
I hope are out there.-

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[Enda:] I'm fascinated by your research
on the sociology of markets,

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00:15:57,200 --> 00:15:59,480
particularly your work on the insurance industry,

273
00:15:59,480 --> 00:16:00,800
erm, can you tell us a little bit

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00:16:00,800 --> 00:16:04,080
about the insights that’s offered
by your research on an industry

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00:16:04,080 --> 00:16:08,040
that perhaps mightn't be seen as the most
obvious place for a sociologist to work on?-

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00:16:08,040 --> 00:16:11,480
[Liz:] Being a sociologist of markets,
and particularly

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00:16:11,480 --> 00:16:15,720
a sociologist of insurance,
puts you in quite a- quite a narrow group.

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00:16:15,880 --> 00:16:19,800
And this has struck me
as somewhat bizarre.

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00:16:19,800 --> 00:16:25,040
Insurance, in many ways, is the very first
mechanism for the distribution of risk.

280
00:16:26,120 --> 00:16:30,440
It’s how we collectivise
and share across a society.

281
00:16:30,840 --> 00:16:33,920
So it's at the very political
and social centre

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00:16:33,920 --> 00:16:37,440
of how societies are organised
economically.

283
00:16:37,680 --> 00:16:41,400
It's fate matters in terms of

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00:16:42,360 --> 00:16:46,440
how risk is distributed
and who pays for it in society.

285
00:16:46,720 --> 00:16:49,560
And in the last 100 years,

286
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there has been a fairly steady

287
00:16:52,480 --> 00:16:55,480
individualisation of that risk,

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00:16:55,840 --> 00:16:58,440
both in terms of how individuals

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00:16:58,440 --> 00:17:01,600
insure themselves against calamities

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00:17:01,600 --> 00:17:05,280
or plan for their future,
in terms of their pensions.

291
00:17:06,680 --> 00:17:10,280
But also in terms of how the social

292
00:17:10,280 --> 00:17:14,400
and political infrastructures
on which we all rely are funded.

293
00:17:14,880 --> 00:17:19,080
A similar pattern can be observed
in almost every field of insurance,

294
00:17:19,480 --> 00:17:22,480
including things like, climate insurance.

295
00:17:22,520 --> 00:17:25,880
Notoriously, the capacity of individuals

296
00:17:25,880 --> 00:17:30,000
to insure homes in flood-prone areas has diminished.

297
00:17:30,680 --> 00:17:33,680
And behind the scenes of that,
there's this kind of jostling between, erm

298
00:17:34,120 --> 00:17:37,600
private and public measures
for collectivising

299
00:17:38,200 --> 00:17:42,720
or individualising risk,
which are not straightforward.

300
00:17:43,040 --> 00:17:46,160
That sometimes we are towards
a more social collective solution

301
00:17:46,640 --> 00:17:48,800
and other times
to a very individual solution.

302
00:17:48,800 --> 00:17:52,080
And tracking that through tells
you a great deal about the sort of social

303
00:17:52,080 --> 00:17:54,160
and political settlement.

304
00:17:54,160 --> 00:17:56,280
I was quite simply fascinated by

305
00:17:56,640 --> 00:18:02,000
how you get people to buy products
that they don't want, like, need, understand.

306
00:18:02,000 --> 00:18:06,760
And life insurance is a fantastic example of that,

307
00:18:06,760 --> 00:18:11,360
particularly life insurance that was bought 
by poor customers, working class customers.

308
00:18:11,760 --> 00:18:14,760
So the early appetite for insurance were,

309
00:18:15,240 --> 00:18:18,560
the very poorest in society
would devote a substantial proportion

310
00:18:18,560 --> 00:18:21,560
of that income, at a time
when they could barely feed the family,

311
00:18:22,040 --> 00:18:25,040
to paying for this arcane
financial product.

312
00:18:25,040 --> 00:18:28,600
That seemed to me a fascinating social
and sociological problem.

313
00:18:28,600 --> 00:18:30,320
To understand how that worked.

314
00:18:31,640 --> 00:18:32,240
I should probably

315
00:18:32,240 --> 00:18:35,240
also mention that my father sold
this form of insurance [laughs]

316
00:18:35,400 --> 00:18:40,320
So from the- all through the late
1960s to the 1970s,

317
00:18:40,320 --> 00:18:44,240
I was the social accompaniment
to an agent that helped-

318
00:18:45,080 --> 00:18:47,360
I'm making this sound terrible.

319
00:18:47,360 --> 00:18:50,880
I didn't help my my father on his rounds, 
but it was common

320
00:18:51,120 --> 00:18:54,480
for this to be seen as a family
and community arrangement.-

321
00:18:54,840 --> 00:18:57,240
[Enda:] How does this fit into the work
that you've done,

322
00:18:57,240 --> 00:19:00,240
you have been a pioneer
in the field of cultural economy and, erm,

323
00:19:02,280 --> 00:19:05,080
that's a really important field.

324
00:19:05,080 --> 00:19:07,840
What do you think that field offers us
at the moment,

325
00:19:07,840 --> 00:19:11,480
and indeed, given our emphasis
in the Futures Institute, erm,

326
00:19:11,480 --> 00:19:13,920
down the line in- in the future?- 

327
00:19:13,920 --> 00:19:17,240
[Liz:] Cultural economy at its core is a project,

328
00:19:17,240 --> 00:19:20,280
and certainly, as I understand it, 
is all about

329
00:19:21,240 --> 00:19:24,240
the orchestration of technique
and sentiment,

330
00:19:24,400 --> 00:19:29,200
by which I mean that you have
to understand the way that the material,

331
00:19:29,240 --> 00:19:33,200
technological, economic and financial

332
00:19:34,160 --> 00:19:37,160
forms of organisation intersect

333
00:19:37,360 --> 00:19:42,720
with how meaning is created
for the customers in that marketplace.

334
00:19:43,040 --> 00:19:45,240
How does this product mean something?

335
00:19:45,240 --> 00:19:48,240
If you take the example of insurance,
you're dealing with a product

336
00:19:48,600 --> 00:19:50,160
that people don't understand.

337
00:19:50,160 --> 00:19:53,880
So you need some kind of interaction
that makes it makes sense

338
00:19:53,880 --> 00:19:55,560
and makes it be meaningful.

339
00:19:55,560 --> 00:19:58,960
So that is kind of trying to understand
always

340
00:19:59,040 --> 00:20:02,040
the intersections between culture
and economy.

341
00:20:02,160 --> 00:20:05,480
That culture is not this realm outside,

342
00:20:05,480 --> 00:20:09,000
that’s not this kind of purified state

343
00:20:09,840 --> 00:20:13,560
of highest civilisation
that humankind can reach.

344
00:20:13,760 --> 00:20:15,400
Culture is meaningful.

345
00:20:15,400 --> 00:20:18,000
Activity is meaningful practice.

346
00:20:18,000 --> 00:20:22,600
So cultural economy is a project,
whether it's applied to high frequency trading,

347
00:20:22,600 --> 00:20:24,800
climate, risk,

348
00:20:25,480 --> 00:20:29,160
data surveillance
always has that interest

349
00:20:29,160 --> 00:20:32,440
at looking at the sort of material,
political, technological

350
00:20:33,120 --> 00:20:37,560
arrangements and infrastructures
of a given empirical case-

351
00:20:37,880 --> 00:20:40,920
[Enda:] One of the things I've been really struck,
Liz, talking to you

352
00:20:41,240 --> 00:20:44,080
is you've got a very strong historical perspective.

353
00:20:44,080 --> 00:20:48,360
As a historian I obviously value that. And...

354
00:20:48,680 --> 00:20:50,680
it's great to have, that sort of said,

355
00:20:50,680 --> 00:20:53,520
why do you-
why do you think it's so important for us

356
00:20:53,520 --> 00:20:57,880
to understand the past,
to inform the present and the future?-

357
00:20:58,160 --> 00:21:01,400
[Liz:] For me, it's absolutely crucial
to have a perspective on the past.

358
00:21:01,680 --> 00:21:04,920
I remember one of my colleagues,
Yuval Millo, was saying to me,

359
00:21:04,920 --> 00:21:07,920
well, basically
all sociology is historical.

360
00:21:08,040 --> 00:21:10,320
Even if you're studying the newest form

361
00:21:10,320 --> 00:21:13,360
of algorithmic trading, it's historical

362
00:21:13,680 --> 00:21:18,680
because you can only look backwards
as an empirical object.

363
00:21:18,840 --> 00:21:20,520
You can only look backwards.

364
00:21:21,520 --> 00:21:25,800
I think if you're a sociologist
studying a present day phenomena,

365
00:21:27,440 --> 00:21:30,320
you're always kind of looking backwards
to look forward.

366
00:21:30,320 --> 00:21:33,480
Understanding where we're pointing to

367
00:21:33,480 --> 00:21:36,480
in the future involves understanding

368
00:21:36,560 --> 00:21:39,280
how the past
got to be the way that it was,

369
00:21:39,280 --> 00:21:42,800
and what the intersection of,
whether it's regulatory

370
00:21:42,800 --> 00:21:45,800
apparatus or,

371
00:21:45,880 --> 00:21:50,040
economic cycles or the change in fashion.

372
00:21:50,320 --> 00:21:52,080
There is a lesson for that.

373
00:21:52,080 --> 00:21:55,720
I'm probably going to have to go back
to the industrial insurance example again,

374
00:21:56,400 --> 00:21:59,600
partly because one of the things
that really killed that industry

375
00:21:59,600 --> 00:22:01,760
is it became unfashionable.

376
00:22:01,760 --> 00:22:04,000
It became unfashionable to have a product

377
00:22:04,000 --> 00:22:05,880
that was directed- a financial product

378
00:22:05,880 --> 00:22:08,480
that was directed only at working class
people.

379
00:22:08,480 --> 00:22:11,800
It fell out of the step-
out of step with everyday life.

380
00:22:11,800 --> 00:22:14,880
People didn't want an insurance agent
calling at their doors anymore.

381
00:22:15,200 --> 00:22:18,200
So everyday life,
the patterns of everyday life changed.

382
00:22:18,600 --> 00:22:21,520
And understanding that is germane
to understanding what happens

383
00:22:21,520 --> 00:22:26,240
to the financial industries
in the second half of the 20th century.

384
00:22:26,480 --> 00:22:30,800
Unpicking how the- 
how the world was structured,

385
00:22:30,880 --> 00:22:34,440
the financial world was structured then 
to where we are now-

386
00:22:34,720 --> 00:22:39,000
[Enda:] One thing that I think is...
a part of contemporary societies

387
00:22:39,000 --> 00:22:42,280
is concerns about the amount of data
that private companies,

388
00:22:42,280 --> 00:22:44,560
be they insurance companies, our banks,

389
00:22:44,560 --> 00:22:46,680
hold about us all.

390
00:22:46,680 --> 00:22:50,320
Do you think that's a legitimate
concern on the part of citizens

391
00:22:50,680 --> 00:22:51,360
across the world?-

392
00:22:52,640 --> 00:22:55,280
[Liz:] I think it probably is a legitimate concern,

393
00:22:55,280 --> 00:22:58,680
but I think for me,
I come at it slightly differently.

394
00:22:59,200 --> 00:23:02,200
I want to understand the specificities

395
00:23:02,600 --> 00:23:06,720
of how data is operating in particular,
rather than just kind of

396
00:23:06,760 --> 00:23:11,880
go to the big headline
banner of surveillance capitalism

397
00:23:11,880 --> 00:23:16,800
and the assumption that we are heading 
towards a darker and darker place

398
00:23:16,800 --> 00:23:19,640
I want to understand how datafied

399
00:23:20,360 --> 00:23:23,360
applications and platforms

400
00:23:23,720 --> 00:23:27,840
are useful or not useful to people,
but I also want to understand

401
00:23:27,840 --> 00:23:30,520
the specificities
of how they function commercially.

402
00:23:30,520 --> 00:23:33,520
So in my own field of, erm,

403
00:23:34,320 --> 00:23:36,520
studying insurance and life
and health insurance

404
00:23:36,520 --> 00:23:40,320
and how it's been affected by big data
and the drive towards

405
00:23:40,320 --> 00:23:45,160
more individualisation of-
or personalisation of insurance products,

406
00:23:45,160 --> 00:23:48,960
I think it was easy to assume,
say, with the example of the introduction

407
00:23:48,960 --> 00:23:53,880
of self-tracking devices
having those attached to insurance policies,

408
00:23:53,880 --> 00:23:57,720
it's easy to assume that- that this is a step towards

409
00:23:58,080 --> 00:24:01,400
personalising risk
so that every individual is priced for

410
00:24:02,320 --> 00:24:06,240
how much activity they do,
how many bags of crisps they eat

411
00:24:06,480 --> 00:24:10,040
so that their individual health risk
is measured and priced accordingly

412
00:24:10,040 --> 00:24:12,720
and they could be knocked
out of the insurance market.

413
00:24:13,720 --> 00:24:17,040
In my own empirical research,
that's simply not what we found.

414
00:24:17,160 --> 00:24:21,240
To classify and price individual
risk at that level

415
00:24:21,240 --> 00:24:26,760
using these devices
just is not how insurance risk functions.

416
00:24:27,240 --> 00:24:30,240
So in that particular example,
the incorporation

417
00:24:30,240 --> 00:24:33,800
of self-tracking products in life
and health insurance

418
00:24:34,440 --> 00:24:38,040
has got much more to do with marketing
and attaching people to products.

419
00:24:38,880 --> 00:24:41,880
If you give a free Apple Watch with,

420
00:24:42,120 --> 00:24:46,120
interactive behavioural life
or health insurance product,

421
00:24:46,320 --> 00:24:49,120
people like Apple Watches,
they don't like insurance.

422
00:24:49,120 --> 00:24:52,840
So attaching the two together,
you get some brand equity transfer,

423
00:24:53,200 --> 00:24:58,000
you get some, you know, sticky attachment
where people want their Apple Watch,

424
00:24:58,000 --> 00:25:00,040
even if they don't
love their insurance policy.

425
00:25:00,040 --> 00:25:02,440
So there's something else going on there.

426
00:25:02,440 --> 00:25:05,200
That you don’t discover-
this is basically a defence of, erm,

427
00:25:06,240 --> 00:25:08,520
if you've got this pressing public issue

428
00:25:08,520 --> 00:25:12,120
to approach it
empirically as the best work

429
00:25:12,120 --> 00:25:16,480
in critical data studies now does,
it's like, well, what is the-

430
00:25:16,480 --> 00:25:22,520
how is data being used in this particular instance
rather than the large headline stories-

431
00:25:22,920 --> 00:25:26,600
[Enda:] My sense is that one element that you feel

432
00:25:26,840 --> 00:25:30,840
is that this data can empower communities,
particularly local communities.

433
00:25:31,240 --> 00:25:32,720
Is that a-

434
00:25:32,720 --> 00:25:34,840
through use of data

435
00:25:34,840 --> 00:25:39,280
in order to present cases
or socioeconomic profiles

436
00:25:39,280 --> 00:25:41,960
that communities can,
in fact be empowered, rather than it

437
00:25:41,960 --> 00:25:44,840
just being something that's imposed
on communities, if that makes sense?-

438
00:25:44,840 --> 00:25:50,800
[Liz:] I mean, I think there are some intriguing
examples of that in practice.

439
00:25:50,800 --> 00:25:55,360
And some of the urbanists
who've looked to Patrick Geddes for-

440
00:25:55,440 --> 00:25:58,560
for example,
to- to try and make sense of how

441
00:25:58,560 --> 00:26:04,120
urban life could be less
sort of a smart city

442
00:26:04,120 --> 00:26:08,880
kind of top down version
of how you manage cities.

443
00:26:09,200 --> 00:26:14,360
But a grassroot- grassroots,
bottom up version have looked at the way

444
00:26:14,360 --> 00:26:18,480
in which communities
can develop their own platforms

445
00:26:18,520 --> 00:26:24,440
or use existing platforms to share data
and to organise their activism.

446
00:26:24,440 --> 00:26:28,600
One of the things that I didn't remember
to mention earlier on about an area

447
00:26:28,600 --> 00:26:31,960
like Granton;
Granton may have scored very highly

448
00:26:31,960 --> 00:26:35,160
in the Multiple Index of Social Deprivation,

449
00:26:36,480 --> 00:26:39,840
for decades,
but it's also been a centre of, erm,

450
00:26:40,440 --> 00:26:45,320
grassroots,
sustained activism over many decades.

451
00:26:45,760 --> 00:26:48,840
And I think
that in the contemporary context,

452
00:26:49,600 --> 00:26:54,800
there are examples starting to appear 
of communities using platforms to do that.

453
00:26:54,880 --> 00:26:58,240
You could look at very mundane things,
like the prevalence of

454
00:26:58,240 --> 00:27:03,320
neighbourhood WhatsApp groups or Nextdoor,
which is an app

455
00:27:03,320 --> 00:27:06,360
that communities use to
to share information.

456
00:27:07,080 --> 00:27:12,600
But also the appearance on platforms
like Substack, which have- are beginning

457
00:27:12,600 --> 00:27:15,960
to rediscover the power of community

458
00:27:15,960 --> 00:27:18,960
newspapers, because that's a much,

459
00:27:19,120 --> 00:27:22,080
much more cost effective way
than actually printing a newspaper now.

460
00:27:22,080 --> 00:27:25,240
So you get a newsletter
which circulates and shares

461
00:27:25,560 --> 00:27:29,640
that kind of density of local issues
and organises

462
00:27:30,000 --> 00:27:33,240
a sense of belonging, potentially,

463
00:27:33,720 --> 00:27:36,600
and community ownership.

464
00:27:36,600 --> 00:27:40,080
And I think that those kinds
of things, there are also

465
00:27:41,520 --> 00:27:42,840
placemaking type

466
00:27:42,840 --> 00:27:46,360
instances of the use of Instagram
and Twitter to kind of

467
00:27:47,240 --> 00:27:51,760
just share the status
of an area of the type of where I live,

468
00:27:51,760 --> 00:27:54,760
like Newhaven, its appearance and social media

469
00:27:55,120 --> 00:27:59,400
over the years does change the texture
and flavour

470
00:27:59,400 --> 00:28:02,760
of that place in some positive ways
and in some negative ways.

471
00:28:03,240 --> 00:28:06,240
So I think there is the potential there

472
00:28:06,240 --> 00:28:10,560
to use new forms of data in a grassroots

473
00:28:10,560 --> 00:28:15,400
organising way to type of redress
and organise

474
00:28:16,240 --> 00:28:20,520
something alternative to the idea of
well the council

475
00:28:20,520 --> 00:28:23,760
is going to make a big change, and
we're going to do community consultation

476
00:28:24,040 --> 00:28:26,520
as a more kind- there may be people

477
00:28:26,520 --> 00:28:31,120
who will never go to a community consultation exercise,
but they may well post on Instagram

478
00:28:31,440 --> 00:28:35,280
or on Twitter
or somewhere else about- or Nextdoor-

479
00:28:36,240 --> 00:28:37,120
about those issues.

480
00:28:37,120 --> 00:28:41,200
So if instead of demanding the resource from

481
00:28:41,200 --> 00:28:44,480
communities and individuals to tell us
what's happening in your community,

482
00:28:45,440 --> 00:28:48,480
councils and other voluntary bodies
can then look at

483
00:28:48,960 --> 00:28:51,960
what are people
actually saying about this place?-

484
00:28:51,960 --> 00:28:55,320
You've been involved in the 
Edinburgh Futures Institute for a number of years,

485
00:28:55,400 --> 00:28:57,120
being a very important person

486
00:28:57,120 --> 00:29:00,560
in designing what the- 
what the Futures Institute, erm,

487
00:29:01,200 --> 00:29:04,560
does, and what its outlook and what-

488
00:29:04,680 --> 00:29:08,280
what we would- would see as priorities
in terms of research.

489
00:29:08,800 --> 00:29:12,080
What sort of future
do you envisage given your expertise?-

490
00:29:12,920 --> 00:29:15,320
[Liz:] So that's a great huge question [laughs]

491
00:29:15,320 --> 00:29:17,680
Enda, thank you.

492
00:29:17,680 --> 00:29:19,320
So one of the things that I've done

493
00:29:19,320 --> 00:29:22,800
since I've been involved in EFI is

494
00:29:22,800 --> 00:29:28,240
I’ve almost finished making the second film,
which tracks what the role of institutes

495
00:29:28,240 --> 00:29:32,000
like Edinburgh Futures Institutes
have in terms of managing the future.

496
00:29:32,480 --> 00:29:35,280
And one of the jobs of those films

497
00:29:35,280 --> 00:29:38,040
is to try and showcase

498
00:29:39,080 --> 00:29:40,520
the expertise of people

499
00:29:40,520 --> 00:29:43,520
who are trying to wrestle with these,

500
00:29:43,560 --> 00:29:46,680
problems about the major catastrophes
or challenges,

501
00:29:47,000 --> 00:29:49,960
wicked problems, whatever

502
00:29:49,960 --> 00:29:54,200
intractable issue
the future seems to be representing.

503
00:29:54,880 --> 00:29:57,800
But it's also an attempt
not just to showcase

504
00:29:57,800 --> 00:30:01,360
the individual expertise,
but to better understand

505
00:30:01,960 --> 00:30:07,400
why futures institutes and City
Region Deals and other forms of innovation complex

506
00:30:07,400 --> 00:30:11,040
are springing up now
and what their chances are.

507
00:30:11,440 --> 00:30:15,440
So there is this orthodoxy,
if you like, that,

508
00:30:16,200 --> 00:30:20,320
interdisciplinarity, co-production
and cross-sectoral working

509
00:30:20,920 --> 00:30:25,960
gives us the best chance of understanding
these complex, intractable problems and,

510
00:30:26,480 --> 00:30:29,480
providing a response to them
in the future.

511
00:30:30,040 --> 00:30:33,040
And to some extent,
that's a difficult proposition

512
00:30:33,360 --> 00:30:36,560
because in terms of interdisciplinarity,
it's easier

513
00:30:36,560 --> 00:30:38,960
to say than it is to do in a meaningful level.

514
00:30:38,960 --> 00:30:41,680
And the same is true
of cross-sectoral work.

515
00:30:41,680 --> 00:30:44,680
It is probably the best strategy
that we have.

516
00:30:44,920 --> 00:30:48,200
It's a kind of modest
and pragmatic attempt to

517
00:30:49,520 --> 00:30:52,520
mobilise and orchestrate and organise

518
00:30:53,080 --> 00:30:57,080
this- the mixture of talents
that we need to discover and address

519
00:30:57,080 --> 00:31:00,840
the specificity of problems
and what I would contrast it with,

520
00:31:01,160 --> 00:31:06,160
to go back to Patrick Geddes,
is an opposition to the sort of tabula rasa

521
00:31:06,160 --> 00:31:08,200
the blank slate

522
00:31:08,200 --> 00:31:11,480
version of oh well we’ll wipe all this out,

523
00:31:11,480 --> 00:31:14,640
we’ll wipe out all these problems,
and we'll start again.

524
00:31:15,080 --> 00:31:18,120
And this kind of new techno-libertarian

525
00:31:18,120 --> 00:31:21,040
geopolitical imaginary
that you will see,

526
00:31:21,040 --> 00:31:25,840
and visions coming out of a vision like California
Forever, which is a bunch of tech billionaires

527
00:31:25,840 --> 00:31:30,080
trying to engineer a new future in California

528
00:31:30,080 --> 00:31:32,600
by buying up large tracts of land

529
00:31:33,040 --> 00:31:36,720
and those kind of large scale projects of,
well, let's start again,

530
00:31:36,720 --> 00:31:39,160
we'll have a smart city
and we'll make it sustainable,

531
00:31:39,160 --> 00:31:43,800
and we'll have vertical gardens
like in NEOM in Dubai,

532
00:31:44,040 --> 00:31:48,200
which are not grounded,
in the people who actually live there.

533
00:31:48,720 --> 00:31:52,320
And in a way, I think that the attempt
by futures institutes

534
00:31:53,160 --> 00:31:57,240
and City Region Deals and the others at
their best because of their-

535
00:31:57,520 --> 00:32:00,640
their necessary incorporation
of a variety of interest groups

536
00:32:01,320 --> 00:32:03,720
and their willingness to experiment

537
00:32:03,720 --> 00:32:08,600
with new tools are probably- 
probably about as helpful

538
00:32:08,600 --> 00:32:12,680
and positive a response
as- certainly as I can think of-

539
00:32:13,320 --> 00:32:16,480
[Enda:] Well, thank you very much
for an optimistic, message on which to-

540
00:32:16,560 --> 00:32:20,520
to leave us on and indeed for,
erm, giving us these fascinating insights

541
00:32:20,520 --> 00:32:24,880
into the work that you're undertaking
at the Edinburgh Futures Institute.

542
00:32:25,240 --> 00:32:28,640
If you want to find out more about Liz's
work, if you go to our website:

543
00:32:29,320 --> 00:32:32,680
www.efi.ed.ac.uk

544
00:32:32,680 --> 00:32:35,720
or follow us on social media channels.

545
00:32:37,000 --> 00:32:40,040
[Electronic beat]