For the purposes of this debate, “recently deceased” refers to people who died within the past 50 years.

Information about or produced by recently deceased people could include, but is not limited to, private correspondence, diaries or recordings, unpublished artistic works, medical or financial records, and previously undisclosed personal information revealed by others. Examples may include a politician’s private letters, a cult member's letters home, a prisoner’s diary, or a close friend revealing a deeply private fact about the deceased that had never previously been made public.

In this debate, we will compare two different models of private health insurance. To understand the difference between them, consider the following example.

Imagine 100 people are buying the same health insurance plan. 90 people have varying but ordinary levels of health risk, all below a specified high-risk threshold. These people are called “ordinary-risk people.” On average, it costs an insurer $1,000 per ordinary-risk person to cover them. Some cost more than $1,000 and some cost less. 10 people have health risks above the specified high-risk threshold. These people are called “outliers.” On average, it costs an insurer $5,000 per outlier to cover them.

Under uniform-premium insurance:
Insurers charge everyone the same premium, based on the average expected cost of ordinary-risk people. The government pays insurers the additional expected cost of covering outliers. In the example above, all 100 people would pay a $1,000 premium. For each outlier, the government would pay the insurer the additional $4,000 needed to cover their expected $5,000 cost.

Under risk-rated insurance:
Insurers charge each person a premium based on that person’s expected healthcare costs. The government gives outliers a subsidy to reduce how much of their higher premium they have to pay themselves. In the example above, premiums among the 90 ordinary-risk people would vary according to their individual risk, averaging $1,000 across the group. An outlier expected to cost $5,000 would be charged a premium of approximately $5,000, and would then receive a government subsidy to help them pay this premium.

Under both models, insurers cannot refuse to insure someone because of their health risk, individuals' risk status can be reassessed at different intervals according to the particular insurer, and the government provides the same overall level of financial support for outliers under either model.

(This debate is basically asking, once outliers are taken out of the equation, should we socialise costs or individualise costs in private health insurance?)

Riff is one of Australia’s largest and most widely recognised chocolate brands. It sells a range of chocolate bars and boxed chocolates through supermarkets, convenience stores, and other retailers across Australia. Its products are popular and are sold at cheap supermarket prices.

Riff has internally developed a new premium chocolate range. These products will use more expensive ingredients, more sophisticated flavours, and higher-end packaging, and will sell for roughly two to three times the price of Riff’s existing products.

Riff has two options:

1. It can sell the premium products under the Riff brand, making clear that they are a higher-end Riff range (e.g. Riff Deluxe); or

2. It can create a new consumer-facing brand for the premium products, with its own name, packaging, and advertising. The new brand would still be owned and produced by Riff, but its connection to Riff would not be prominently marketed to consumers.

Under a split police force system, one police force would be responsible for enforcement (e.g. patrolling, responding to emergencies, maintaining public order, and carrying out arrests). A separate force would be responsible for investigation (e.g. investigating crimes, gathering evidence, and identifying suspects). The forces may share information but would have separate personnel and command structures.

A plumbob is a small green crystal that floats above each person’s head. It automatically displays that person’s current emotional state, communicating broad emotions such as happiness, sadness, anger, fear, embarrassment, excitement, boredom, or jealousy. It does not reveal what or who caused the emotion. Plumbobs cannot be hidden, removed, or falsified. For the purposes of this debate, plumbobs have always existed, and people consider them an ordinary part of everyday life. 

For the purposes of this debate, journalistic neutrality means that news-based media companies seek to inform rather than advocate for particular political, ideological, or policy positions. This requires both that individual reporting does not advocate for such positions, and that the news-based media company as a whole does not substantially favour particular political or ideological perspectives through its selection of stories, framing, prominence, choice of sources, or allocation of coverage. Under this policy, news-based media companies would not publish opinion, editorial, or commentary pieces that advocate for particular political, ideological, or policy positions.

Journalistic neutrality does not require giving equal weight to claims that are demonstrably false or unsupported by credible evidence.