It took 16 days for Reem Bani Hashem to reach Antarctica from the UAE, but only moments for her to realise the importance of the trip.
The International Antarctic Expedition (IEA) was led by the environmentalist Robert Swan, the first person to reach both the South and North Pole on foot.
IEA is an initiative of Mr Swan's company 2041, named in hope of achievements in educating people by the 50th anniversary of the 1991 Environmental Protocol, which banned drilling and mining in the Antarctic peninsula but is due for review in 2041.
Reem, 23, a graduate of the American University in Dubai, had applied online to take part with her older sister Aldana.
The two flew from Dubai to Ushuaia, Argentina, the most southern city in the world, for two days of workshops before setting sail.
"Before going, I can say that I was interested in environmental issues but it's not like I ever took the time to read about them or involve myself more," said Reem.
"I thought experts would take care of everything. I thought, 'Who am I? What can I do? I'll recycle a few bottles but who cares?'"
The feeling was shared by Aldana, 24, who boarded the Sea Spirit for the trip to Antarctica.
"I had no idea about sustainability, being green or what I could do to help, so it was a step I took to educate myself," she said.
Houda Dafir, a 33-year-old Frenchwoman who resides in Dubai, joined the team after she was selected by Mr Swan on a visit to her office, where she works as an environmental compliance manager.
"He said I had to be on the boat and I made it," Houda said. "We have to lead by example. This is not something that comes overnight but if people see your actions, they will follow."
For Reem, learning the effects people's lifestyles have on the planet was an eye-opener.
"We were taught about consumption," she said. "The first thing you realise is that we are constantly buying things we don't need.
"Another thing is taking longer showers than necessary."
Alia Al Khafajy, 25, from Dubai, said the weather in Antarctica provided a sobering lesson.
"The eye-opener for me was actually seeing the effects right in front of our eyes," said Alia, an associate banker with Global Private Banking. "It rained twice while we were there, and it's not meant to rain."
Several times on the trip, the women saw ice shelves shatter into the ocean. Their route was altered after an area of ice at which the ship was due to stop fell into the sea.
"We're in a bubble thinking each country does its own thing and that it can't be that bad, but it is," Alia said.
Having returned to the UAE last week, the women are planning to spread Mr Swan's message.
"We live such a fast life that often we don't take time to live or breathe … we just need to consume, consume, consume," Houda said. "We should appreciate things are happening around us and we need to act."
zalhassani@thenational.ae
This article has been amended since it was first published. Mr Robert Swan's company is called 2041, not 2014.
Zayed Sustainability Prize
Funk Wav Bounces Vol.1
Calvin Harris
Columbia
Tips to stay safe during hot weather
- Stay hydrated: Drink plenty of fluids, especially water. Avoid alcohol and caffeine, which can increase dehydration.
- Seek cool environments: Use air conditioning, fans, or visit community spaces with climate control.
- Limit outdoor activities: Avoid strenuous activity during peak heat. If outside, seek shade and wear a wide-brimmed hat.
- Dress appropriately: Wear lightweight, loose and light-coloured clothing to facilitate heat loss.
- Check on vulnerable people: Regularly check in on elderly neighbours, young children and those with health conditions.
- Home adaptations: Use blinds or curtains to block sunlight, avoid using ovens or stoves, and ventilate living spaces during cooler hours.
- Recognise heat illness: Learn the signs of heat exhaustion and heat stroke (dizziness, confusion, rapid pulse, nausea), and seek medical attention if symptoms occur.
Key changes
Commission caps
For life insurance products with a savings component, Peter Hodgins of Clyde & Co said different caps apply to the saving and protection elements:
• For the saving component, a cap of 4.5 per cent of the annualised premium per year (which may not exceed 90 per cent of the annualised premium over the policy term).
• On the protection component, there is a cap of 10 per cent of the annualised premium per year (which may not exceed 160 per cent of the annualised premium over the policy term).
• Indemnity commission, the amount of commission that can be advanced to a product salesperson, can be 50 per cent of the annualised premium for the first year or 50 per cent of the total commissions on the policy calculated.
• The remaining commission after deduction of the indemnity commission is paid equally over the premium payment term.
• For pure protection products, which only offer a life insurance component, the maximum commission will be 10 per cent of the annualised premium multiplied by the length of the policy in years.
Disclosure
Customers must now be provided with a full illustration of the product they are buying to ensure they understand the potential returns on savings products as well as the effects of any charges. There is also a “free-look” period of 30 days, where insurers must provide a full refund if the buyer wishes to cancel the policy.
“The illustration should provide for at least two scenarios to illustrate the performance of the product,” said Mr Hodgins. “All illustrations are required to be signed by the customer.”
Another illustration must outline surrender charges to ensure they understand the costs of exiting a fixed-term product early.
Illustrations must also be kept updatedand insurers must provide information on the top five investment funds available annually, including at least five years' performance data.
“This may be segregated based on the risk appetite of the customer (in which case, the top five funds for each segment must be provided),” said Mr Hodgins.
Product providers must also disclose the ratio of protection benefit to savings benefits. If a protection benefit ratio is less than 10 per cent "the product must carry a warning stating that it has limited or no protection benefit" Mr Hodgins added.
Contracted list
Ashton Agar, Alex Carey, Pat Cummins, Aaron Finch, Peter Handscomb, Josh Hazlewood, Travis Head, Usman Khawaja, Nathan Lyon, Glenn Maxwell, Shaun Marsh, Mitchell Marsh, Tim Paine, Matt Renshaw, Jhye Richardson, Kane Richardson, Billy Stanlake, Mitchell Starc, Marcus Stoinis, Andrew Tye.
How to help
Send “thenational” to the following numbers or call the hotline on: 0502955999
2289 – Dh10
2252 – Dh 50
6025 – Dh20
6027 – Dh 100
6026 – Dh 200
UPI facts
More than 2.2 million Indian tourists arrived in UAE in 2023
More than 3.5 million Indians reside in UAE
Indian tourists can make purchases in UAE using rupee accounts in India through QR-code-based UPI real-time payment systems
Indian residents in UAE can use their non-resident NRO and NRE accounts held in Indian banks linked to a UAE mobile number for UPI transactions
'Midnights'
%3Cp%3E%3Cstrong%3EArtist%3A%3C%2Fstrong%3E%20Taylor%20Swift%26nbsp%3B%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ELabel%3A%3C%2Fstrong%3E%20Republic%20Records%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ERating%3A%3C%2Fstrong%3E%204%2F5%3C%2Fp%3E%0A
The%20specs
%3Cp%3E%3Cstrong%3EEngine%3A%3C%2Fstrong%3E%201.8-litre%204-cyl%20turbo%0D%3Cbr%3E%3Cstrong%3EPower%3A%20%3C%2Fstrong%3E190hp%20at%205%2C200rpm%0D%3Cbr%3E%3Cstrong%3ETorque%3A%3C%2Fstrong%3E%20320Nm%20from%201%2C800-5%2C000rpm%0D%3Cbr%3E%3Cstrong%3ETransmission%3A%20%3C%2Fstrong%3ESeven-speed%20dual-clutch%20auto%0D%3Cbr%3E%3Cstrong%3EFuel%20consumption%3A%3C%2Fstrong%3E%206.7L%2F100km%0D%3Cbr%3E%3Cstrong%3EPrice%3A%3C%2Fstrong%3E%20From%20Dh111%2C195%0D%3Cbr%3E%3Cstrong%3EOn%20sale%3A%20%3C%2Fstrong%3ENow%3C%2Fp%3E%0A
Benefits of first-time home buyers' scheme
- Priority access to new homes from participating developers
- Discounts on sales price of off-plan units
- Flexible payment plans from developers
- Mortgages with better interest rates, faster approval times and reduced fees
- DLD registration fee can be paid through banks or credit cards at zero interest rates