This Insights #2 report includes four empirical chapters detailing findings from the study’s rich datasets. Issues include experiences of mental ill-health and associated utilisation of services, participation in gambling and experience of associated harm, use of certain illicit drugs over time, and recent experience of natural disasters. As with the Insights #1 report, we analyse the patterns of different responses to certain environmental circumstances, health conditions and participation in risky behaviours. This report’s findings point to opportunities to improve policy and practice.