The Transition by Luke Kennard. Courtesy HarperCollins UK
The Transition by Luke Kennard. Courtesy HarperCollins UK

Book review: Luke Kennard’s The Transition is a witty debut about millennial dilemmas



Unemployed, unsure, in debt, fearful, even overwhelmed – whether they are described as Generation Y or millennials, the life of Westerners who came of age in the 21st century is not a happy one, it seems.

Charlie Brooker's hit TV ­anthology series Black Mirror successfully, and satirically, chronicled this worrying state of affairs, in which technology and social media corrupted rather than complemented.

English poet Luke Kennard’s debut novel is certainly a companion piece – the writing is not quite so razor sharp but the idea that this generation is unable to find happiness is profoundly ­explored.

Set in the near future (the proliferation of driverless cars being one hint of this), the title of the book refers to an Orwellian “programme” undertaken by people who cannot quite cope with the pressures of the modern world.

Karl wants to impress his wife and live the lifestyle he believes they deserve, but does so by maxing out his credit cards and then committing online fraud to pay them off.

Deemed not a rogue, just desperate and misguided, Karl is enrolled in The Transition rather than being sent to prison. Initially, the programme seems too good to be true. He is taken, with his wife, to a nice suburban house where, freed of any financial responsibilities, they will be coached in life skills by their mentors until they are ready to be reintegrated into society.

It is an intriguing, and immediately creepy, set up. There is, for example, a strange, locked basement. They must log diary entries each day on their tablets for appraisal. The Transition, it transpires, is a multinational company with rather sinister aims, possibly linked to Karl’s increasingly distant wife.

There is a real echo of Kafka's chilling Metamorphosis, as the veneer of Karl's ostensibly caring personality begins to be stripped away and he realises how much of a burden he is.

As a parable about a not particularly appealing society in thrall to global corporations and commercialisation, however, The Transition begins to creak in its third act.

The attempts at a thriller-style ending, as Karl plots to bring down The Transition, do not add up to much. Indeed, escaping into the outside world just emphasises the fact that the novel’s mechanisms are actually quite thinly drawn.

Still, perhaps that is Kennard’s point. It is not really a book about a futuristic dystopia in which a corporation is manipulating the lives of the many for the benefit of the few, after all.

It is really about the way millennials live and feel now – and as far as that goes, he has written a witty, sardonic and honest debut that should give us all cause for concern.

artslife@thenational.ae

The specs

Engine: 1.5-litre 4-cylinder petrol

Power: 154bhp

Torque: 250Nm

Transmission: 7-speed automatic with 8-speed sports option 

Price: From Dh79,600

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Jigra
Director: Vasan Bala
Starring: Alia Bhatt, Vedang Raina, Manoj Pahwa, Harsh Singh
Rated: 3.5/5
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SPECS

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Torque: 850Nm
Transmission: 8-speed Tiptronic automatic
Price: From Dh599,000
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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.

The biog

Name: Sarah Al Senaani

Age: 35

Martial status: Married with three children - aged 8, 6 and 2

Education: Masters of arts in cultural communication and tourism

Favourite movie: Captain Corelli’s Mandolin

Favourite hobbies: Art and horseback ridding

Occupation: Communication specialist at a government agency and the owner of Atelier

Favourite cuisine: Definitely Emirati - harees is my favourite dish

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