The study authors cautioned that their work doesn't imply that paper towels are unsafe; just that they could possibly be an unwanted source of contamination in certain environments.

Santander Brasil expects only "baby steps" from Congress this year in tackling reforms given President Dilma Rousseff's poor relationship with lawmakers and acknowledgement that sweeping tax reforms are not politically viable. Congress will focus instead on a new mining code, a simpler framework for interstate tax and changes to oil royalty distribution in what some say is a deliberate move to keep moves to a more open economy in the backseat.

Think of Banshirne as Dustin's parting gift to a city he loves. He moved to San Francisco, partly to ensure a supply of clean air for his two-and-a-half-year-old son.

Guarino was perfectly happy to tell me that by excluding all the loans with downpayments of less than 5%, “you’re throwing out the loans with the higher default rates. No one’s saying that downpayment doesn’t matter.” But compare that with the official tone of the white paper:

Has this automatic enrolment system been used in other countries?