Risk warning facts
+ New factThese are the words a player reads in the moment before they sell the car, mortgage the House or borrow from a friend. Every fact has to be true, has to carry a source, and has to be signed off by the clinical reviewer. There is no exception for urgent.
The rule sits in the data layer, not on the button
A fact with no source cannot be saved in a publishable state. A fact without a valid sign-off record is not returned by the player-facing API, even if someone calls it directly. There is no “Publish” button on this page — your button is “Send for review”.
Does every risky action have at least one approved fact?
| Risky action in a live run | Approved facts | Awaiting / sent back | Shown to players? | |
|---|---|---|---|---|
| Sell the car — Car asset | 2 | 0 | Yes | F-022, F-030 |
| Mortgage the House — House asset | 2 | 0 | Yes | F-023, F-031 |
| Borrow from friends — Friends asset | 1 | 1 sent back | Yes | F-025 in use, F-024 being fixed |
| Spend the family savings — Family asset | 2 | 0 | Yes | F-021, F-029 |
| Quit work to keep playing — Job asset | 1 | 1 awaiting review | Yes | F-028 in use, F-026 in the queue |
| Take a high-interest payday loan — new action, not open yet | 0 | 1 draft | No — locked | This action does not appear in a live run until one fact has been signed off. |
All facts
| Code | Fact | Attached action | Source | Review status | Sign-off record | |
|---|---|---|---|---|---|---|
| F-021 | Australians lose around $25 billion AUD a year on legal gambling — the highest losses per head of population in the world. | Spend the family savings | Queensland Government Statistician's Office — Australian Gambling
Statistics, 38th edition accessed February 2026 |
Approved | Dr Alice Brennan · 14 Jul 2026 sign-off #0117 |
History |
| F-022 | Selling the vehicle you get to work in to cover gambling debt often costs the income too: no transport to work is one of the most common reasons for losing a job in financial counselling files. | Sell the car | Financial Counselling Australia — client reports involving gambling debt
accessed February 2026 |
Approved | Dr Alice Brennan · 14 Jul 2026 sign-off #0118 |
History |
| F-023 | Borrowing more to win back what has already been lost is the most common pattern in debt counselling files, and it usually ends in a larger debt than the one it was meant to clear. | Mortgage the House | Australian Gambling Research Centre (AIFS) — overview of gambling harm
accessed February 2026 |
Approved | Dr Alice Brennan · 21 Jun 2026 sign-off #0104 |
History |
| F-024 | Borrowing from family is often the step just before a person loses the support network they would need later. Sent back: “The wording blames the player. Rewrite it to describe the consequence, not to judge.” | Borrow from friends | Australian Gambling Research Centre (AIFS) — Gambling harm and relationships | Sent back | none — this version cannot go live | Edit & resend |
| F-026 | Leaving work removes income and the daily structure that can help interrupt repeated gambling. | Quit work to keep playing | Productivity Commission — Gambling, inquiry report no. 50
accessed February 2026 |
Awaiting review | sent 24 Jul 2026 · in the review queue | Editing locked |
| F-027 | Interest on short-term payday lending can run far above the caps that apply to mainstream credit, and it compounds faster than most borrowers can repay. | Take a high-interest payday loan | No source yet — required before this can be sent for review | Draft · cannot be sent | — | Add source |
| F-029 | When shared household money goes on gambling, the harm reaches people who never placed a bet — partners, children, parents. | Spend the family savings | Australian Institute of Health and Welfare — Gambling in Australia
accessed February 2026 |
Approved | Dr Alice Brennan · 21 Jun 2026 sign-off #0106 |
History |
| F-033 | Only a minority of surveyed online bettors knew about the national self-exclusion register. | Cooldown screen | ACT Gambling and Racing Commission — BetStop awareness survey
accessed February 2026 |
Awaiting review | sent 25 Jul 2026 | Editing locked |
Showing 8 of 15 facts. Every figure is checked against the original source by the clinical reviewer before it goes live.
Where players see a fact
An approved fact appears in the risk warning, immediately above the box a player has to tick to sacrifice an asset. Preview with F-022:
Selling the vehicle you get to work in to cover gambling debt often costs the income too: no transport to work is one of the most common reasons for losing a job in financial counselling files.
Source: Financial Counselling Australia — client reports involving gambling debt · approved by Dr Alice Brennan, 14 Jul 2026The source line shown to players always names the person who signed it off. A fact with no source has nothing to put on that line — which is why it cannot go out.
Two things this page cannot do
- It cannot restore family assets. F-021 and F-029 sit behind the family-money action, and not even an admin has an undo for it. The ability to restore was left out of the schema and the API.
- You cannot sign off your own work. You write it, Dr Alice Brennan signs it. If one person did both, the audit trail would mean nothing to the funder.
Editing a live fact sends it back through review from the start — the old version keeps serving players until the new one is signed.
Your button, in every state, is “Send for review”.