Attacks Resume After Israeli Assault Kills Hamas Leader





KIRYAT MALACHI, Israel — Israel and Hamas widened their increasingly deadly conflict over Gaza on Thursday, as a militant rocket killed three civilians in an apartment block in this small southern town. The deaths are likely to lead Israel to intensify its military offensive on Gaza, now in its second day of airstrikes.




In Gaza, the Palestinian death toll rose to 11 as Israel struck what the military described as medium- and long-range rocket and infrastructure sites and rocket-launching squads. The military said it had dispersed leaflets over Gaza warning residents to stay away from Hamas operatives and facilities, suggesting that more was to come.


The regional perils of the situation sharpened, meanwhile, as President Mohamed Morsi of Egypt warned on Thursday that his country stood by the Palestinians against what he termed Israeli aggression, echoing similar condemnation on Wednesday.


“The Egyptian people, the Egyptian leadership, the Egyptian government, and all of Egypt is standing with all its resources to stop this assault, to prevent the killing and the bloodshed of Palestinians,” Mr. Morsi said in nationally televised remarks before a crisis meeting of senior ministers. He also said he had contacted President Obama to discuss strategies to “stop these acts and doings and the bloodshed and aggression.”


In language that reflected the upheaval in the political dynamics of the Middle East since the overthrow of Hosni Mubarak last year, Mr. Morsi said: “Israelis must realize that we don’t accept this aggression and it could only lead to instability in the region and has a major negative impact on stability and security in the region.”


The thrust of Mr. Morsi’s words seemed confined to diplomatic maneuvers, including calls to the United Nations secretary general, Ban Ki-moon, the head of the Arab League and President Obama.


In his conversation with Mr. Obama, Mr. Morsi said, he “clarified Egypt’s role and Egypt’s position; our care for the relations with the United States of America and the world; and at the same time our complete rejection of this assault and our rejection of these actions, of the bloodshed, and of the siege on Palestinians and their suffering.”


Mr. Obama had agreed to speak with Israeli leaders, Mr. Morsi said. Thursday’s deaths in Kiryat Malachi were the first casualties on the Israeli side since Israel launched its assault on Gaza, the most ferocious in four years, in response to persistent Palestinian rocket fire.


Southern Israel has been struck by more than 750 rockets fired from Gaza this year that have hit homes and caused injuries. On Thursday, a rocket smashed into the top floor of an apartment building in Kiryat Malachi, about 15 miles north of Gaza. Two women and a man were killed, according to rescue officials and Army Radio. A baby was among the injured and several Israelis were hospitalized with shrapnel wounds after rockets hit other southern cities and towns, they said.


The apartment house was close to a field in a blue-collar neighborhood and the rocket tore open top-floor apartments, leaving twisted metal window frames and bloodstains.


Nava Chayoun, 40, who lives on the second floor, said her husband, Yitzhak, ran up the stairs immediately after the rocket struck and saw the body of a woman on the floor. He rescued two children from the same apartment and afterward, she said, she and her family “read psalms.”


It was the first time that a building in Kiryat Malachi had been struck and the farthest north a projectile had landed in the current violence. With schools closed after Wednesday’s turmoil, residents said, many people had stayed home with their children.


Residents said people living on the lower floors of the apartment house had taken cover in stairwells, as the police urged residents to do when they heard warning sirens, but those on the top floor apparently had not. The police said 180 rockets had been fired at southern Israel since Wednesday.


Isabel Kershner reported from Kiryat Malachi, Israel, and Fares Akram from Gaza. Reporting was contributed by Rina Castelnuovo from Kiryat Malachi; Mayy El Sheikh and David D. Kirkpatrick from Cairo; Gabby Sobelman from Jerusalem; Rick Gladstone from New York; and Alan Cowell from Paris.



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Major Retailers Start Selling Financial Products, Challenging Banks





On a recent shopping trip to Costco, Lilly Neubauer picked up paper towels, lentils, carrots — and a home mortgage.




While Ms. Neubauer, 27, said she was surprised to find the warehouse club selling financial products, she and her husband saved about $200 a month by refinancing there this year. She also bought home insurance from Costco, she said, again because it was cheaper there.


“It opened us up to the fact that Costco is more than toilet paper,” said Ms. Neubauer, who lives in Dallas.


As the nation’s largest banks stay stingy with credit and a growing portion of the population has no bank at all, major retailers are stepping into the void. Customers can now withdraw cash at an A.T.M. with a prepaid card from Walmart, take out a loan at Home Depot for a kitchen renovation or kick-start a new venture with a small-business loan from Sam’s Club. This year, Walmart even started to test selling a life insurance policy.


Consumer advocates are torn about the growth of this shadow banking industry. Financial products are making it into the hands of people who otherwise might not qualify for them, but these products are not always subject to the same regulations as bank products are. And to turn a profit, retailers generally have to charge more to people with poor credit or none at all.


“These products can come with high fees and few real protections,” said Norma P. Garcia, a senior lawyer with Consumers Union.


For the retailers, banking products are not huge profit centers but a business strategy, meant to put money into customers’ hands and get them buying more.


“You’ve got to remember, Walmart is intended to be a one-stop shop,” said Charles M. Holley Jr., the company’s chief financial officer.


Retailers were once interested in actually becoming banks. Sears, in the 1980s, tried a “socks and stocks” strategy that included acquiring the Dean Witter brokerage firm. And Wal-Mart Stores sought a banking charter for almost a decade before finally abandoning the quest in 2007.


While supermarket chains have leased space to bank branches for years, they are now offering their own products or teaming with small financial firms to do an end run around big banks. While the banks are likely to bristle at such competition, supporters of the retailers say the stores are stepping into areas that banks have abandoned.


“The banks kind of dropped the ball, and in my mind, and in the consumers’ mind, they left it open for different approaches,” said Robert L. Phillips, a professor at Columbia Business School.


Part of the lure is the so-called underbanked population — people who use few, if any, bank services. The Federal Deposit Insurance Corporation estimates that roughly 10 million households in the United States do not use a bank, up from nine million three years ago. And the agency says 24 million more households have a bank account but still use nonbank financial services, like prepaid cards.


Mr. Holley said that 20 to 25 percent of Walmart customers were unbanked.


“The more kinds of services we can offer our core customer like that, the better for them,” he said.


Last month, Walmart unveiled a prepaid card with American Express. The card operates much like a debit card except that it is not attached to a bank account. It comes with free customer-service telephone support, and fees are relatively low, but the account is not backed by the F.D.I.C.


Frustrated with the fees charged by her bank, Nancy Fry, a real estate broker in Logan, Utah, bought a prepaid card from Walmart this year. But this was even worse, she said — she was charged $3 every time she loaded money onto the card. “I really don’t have very much money and can’t afford these fees,” she said.


Consumer advocates complain that prepaid cards are loosely regulated and can cannibalize the money put on them. Consumer lawyers have pushed for greater disclosure of fees and more stringent regulation of the card providers. The government is expected to issue new rules this year.  


Walmart began to test selling a one-year MetLife life insurance policy this year, and customers can wire money or pay bills at any Walmart store.


Costco is also courting customers who are fed up with their banks. “A lot of members think their bank fees are too high, or the trust level has gone down over the years, or they’re having issues with debit and credit cards,” said Jay Smith, Costco’s director of business and financial services.


Costco sells auto and homeowners’ insurance, offers credit card processing for small businesses and began making mortgages in late 2010. It does not make money on the mortgages, which are offered by small lenders, Mr. Smith said. The idea is to get people to renew their store memberships, where Costco makes a large chunk of its profit.


Home Depot, whose customers are mainly homeowners, is trying to increase sales by extending credit to people who would otherwise have trouble getting it. Last year, the company began offering loans of up to $40,000, and this year it extended its no-interest credit card payment terms. “We have the ability to get credit to consumers in this tight credit market, and we wanted people to take advantage of that in a market where people don’t have access to home-equity lines of credit like they used to,” said Dwaine Kimmet, Home Depot’s treasurer and vice president for financial services.


Mr. Kimmet said the loans were especially useful for people who needed emergency items, like a water heater, though shoppers use them for other home décor projects as well.


They are also helpful for Home Depot, whose sales growth has been squeezed by the housing crisis.


Mr. Kimmet said the store loans, unlike home-equity lines of credit, did not require collateral, meaning Home Depot could not seize someone’s house for a failure to pay.


The interest rate on Home Depot’s credit card is higher than that on a typical credit card — 18 percent to 27 percent, depending on credit score, compared with an average of 14.59 percent, according to Bankrate. But Mr. Kimmet said the retailer offered cards to people with credit scores as low as 600, below what many lenders accept.


Other retailers are also trying to make it easier for people to qualify for financial products. Office Depot and Sam’s Club offer loans backed by the government’s Small Business Administration, and both involve quick, one-page initial applications. More than 1,000 Sam’s Club members have used the program since its introduction two years ago, the company said.  


When Kent Prater was about to open a restaurant in Lumberton, N.C., he searched online for loans backed by the Small Business Administration and found that Sam’s Club sold them. He applied online for a $25,000 loan and was approved for a $10,000 loan, with an interest rate of about 10 percent. With a bank, “I think it would probably be a little bit more difficult, because of the environment — the economy and the regulatory environment,” said Mr. Prater, who opened Thai Chili last month.


Paco Underhill, who researches shopper behavior as founder and chief executive of Envirosell, said retailers offering financial products was only the beginning.


“The banks are going to scream bloody murder when retailers try to obtain banking charters,” he said. “But it’s not hard for a retail organization to look across the landscape and say, ‘Who are my customers, and what else could I be selling them?’ ”


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Lance Armstrong Cuts Officials Ties With His Livestrong Charity


In the wake of being stripped of his seven Tour de France titles for doping, Lance Armstrong last week cut all official ties with Livestrong, the charity he founded 15 years ago while he was treated for testicular cancer.


On Nov. 4, he resigned from the organization’s board of directors; he had previously stepped down as the chairman of the board Oct. 17. He has distanced himself from the charity to try to protect it from any damage caused by his doping controversy, the new board chairman, Jeff Garvey, said in a statement.


“Lance Armstrong was instrumental in changing the way the world views people affected by cancer,” Garvey said. “His devotion to serving survivors is unparalleled, and for 15 years, he committed himself to that cause with all his heart.”


Garvey said that the Armstrong family had donated nearly $7 million to the foundation and that the organization under Armstrong had raised close to $500 million to serve cancer survivors.


Last month, the United States Anti-Doping Agency made public its evidence in its doping case against Armstrong, saying he had doped and encouraged his teammates to dope so they could help him win races. He was subsequently barred from Olympic sports for life and was stripped of all the cycling titles he won from August 1998 on.


Since then, Armstrong has spent several weeks in Hawaii, out of the public eye. On Saturday, though, he posted a photograph on Twitter showing him at home in Austin, Tex. He is lounging on a couch with his seven yellow Tour jerseys framed on the wall in the background.


In the post, he said, “Back in Austin and just layin’ around.” The photograph had more than 400,000 page views as of Monday evening, with many people posting negative comments on the page.


“Lance, you have no moral conscious and it’s obvious many of your followers don’t either,” said one person who went by the Twitter handle “irobot,” who also posted that Armstrong needed “professional help.”


A person posting under the name “Aumann” said: “An art thief enjoying all his da Vincis.”


Other people posted words of support, including many who said they still thought Armstrong was the top cyclist in history.


“TomShelton” said of Armstrong’s seven Tour titles, “You earned all 7 of them no matter what is being said about you!”


This article has been revised to reflect the following correction:

Correction: November 13, 2012

An earlier version of this article misstated Jeff Garvey’s estimate of the sum the Livestrong charity had raised to serve cancer survivors. It was close to $500 million, not close to $300 million.



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Lance Armstrong Cuts Officials Ties With His Livestrong Charity


In the wake of being stripped of his seven Tour de France titles for doping, Lance Armstrong last week cut all official ties with Livestrong, the charity he founded 15 years ago while he was treated for testicular cancer.


On Nov. 4, he resigned from the organization’s board of directors; he had previously stepped down as the chairman of the board Oct. 17. He has distanced himself from the charity to try to protect it from any damage caused by his doping controversy, the new board chairman, Jeff Garvey, said in a statement.


“Lance Armstrong was instrumental in changing the way the world views people affected by cancer,” Garvey said. “His devotion to serving survivors is unparalleled, and for 15 years, he committed himself to that cause with all his heart.”


Garvey said that the Armstrong family had donated nearly $7 million to the foundation and that the organization under Armstrong had raised close to $500 million to serve cancer survivors.


Last month, the United States Anti-Doping Agency made public its evidence in its doping case against Armstrong, saying he had doped and encouraged his teammates to dope so they could help him win races. He was subsequently barred from Olympic sports for life and was stripped of all the cycling titles he won from August 1998 on.


Since then, Armstrong has spent several weeks in Hawaii, out of the public eye. On Saturday, though, he posted a photograph on Twitter showing him at home in Austin, Tex. He is lounging on a couch with his seven yellow Tour jerseys framed on the wall in the background.


In the post, he said, “Back in Austin and just layin’ around.” The photograph had more than 400,000 page views as of Monday evening, with many people posting negative comments on the page.


“Lance, you have no moral conscious and it’s obvious many of your followers don’t either,” said one person who went by the Twitter handle “irobot,” who also posted that Armstrong needed “professional help.”


A person posting under the name “Aumann” said: “An art thief enjoying all his da Vincis.”


Other people posted words of support, including many who said they still thought Armstrong was the top cyclist in history.


“TomShelton” said of Armstrong’s seven Tour titles, “You earned all 7 of them no matter what is being said about you!”


This article has been revised to reflect the following correction:

Correction: November 13, 2012

An earlier version of this article misstated Jeff Garvey’s estimate of the sum the Livestrong charity had raised to serve cancer survivors. It was close to $500 million, not close to $300 million.



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News Analysis: Petraeus Case Raises Concerns About Americans’ Privacy





The F.B.I. investigation that toppled the director of the C.I.A. and has now entangled the top American commander in Afghanistan underscores a danger that civil libertarians have long warned about: that in policing the Web for crime, espionage and sabotage, government investigators will unavoidably invade the private lives of Americans.




On the Internet, and especially in e-mails, text messages, social network postings and online photos, the work lives and personal lives of Americans are inextricably mixed. Private, personal messages are stored for years on computer servers, available to be discovered by investigators who may be looking into completely unrelated matters.


In the current F.B.I. case, a Tampa, Fla., woman, Jill Kelley, a friend both of David H. Petraeus, the former C.I.A. director, and Gen. John R. Allen, the top NATO commander in Afghanistan, was disturbed by a half-dozen anonymous e-mails she had received in June. She took them to an F.B.I. agent whose acquaintance with Ms. Kelley (he had sent her shirtless photos of himself — electronically, of course) eventually prompted his bosses to order him to stay away from the investigation.


But a squad of investigators at the bureau’s Tampa office, in consultation with prosecutors, opened a cyberstalking inquiry. Although that investigation is still open, law enforcement officials have said that criminal charges appear unlikely.


In the meantime, however, there has been a cascade of unintended consequences. What began as a private, and far from momentous, conflict between two women, Ms. Kelley and Paula Broadwell, Mr. Petraeus’s biographer and the reported author of the harassing e-mails, has had incalculable public costs.


The C.I.A. is suddenly without a permanent director at a time of urgent intelligence challenges in Syria, Iran, Libya and beyond. The leader of the American-led effort to prevent a Taliban takeover in Afghanistan is distracted, at the least, by an inquiry into his e-mail exchanges with Ms. Kelley by the Defense Department’s inspector general.


For privacy advocates, the case sets off alarms.


“There should be an investigation not of the personal behavior of General Petraeus and General Allen, but of what surveillance powers the F.B.I. used to look into their private lives,” Anthony D. Romero, executive director of the American Civil Liberties Union, said in an interview. “This is a textbook example of the blurring of lines between the private and the public.”


Law enforcement officials have said they used only ordinary methods in the case, which might have included grand jury subpoenas and search warrants. As the complainant, Ms. Kelley presumably granted F.B.I. specialists access to her computer, which they would have needed in their hunt for clues to the identity of the sender of the anonymous e-mails. While they were looking, they discovered General Allen’s e-mails, which F.B.I. superiors found “potentially inappropriate” and decided should be shared with the Defense Department.


In a parallel process, the investigators gained access, probably using a search warrant, to Ms. Broadwell’s Gmail account. There they found messages that turned out to be from Mr. Petraeus.


Marc Rotenberg, executive director of the Electronic Privacy Information Center in Washington, said the chain of unexpected disclosures was not unusual in computer-centric cases.


“It’s a particular problem with cyberinvestigations — they rapidly become open-ended because there’s such a huge quantity of information available and it’s so easily searchable,” he said, adding, “If the C.I.A. director can get caught, it’s pretty much open season on everyone else.”


For years now, as national security officials and experts have warned of a Pearl Harbor cyberattack that could fray the electrical grid or collapse stock markets, policy makers have jostled over which agencies should be assigned the delicate task of monitoring the Internet for dangerous intrusions.


Advocates of civil liberties have been especially wary of the National Security Agency, whose expertise is unrivaled but whose immense surveillance capabilities they see as frightening. They have successfully urged that the Department of Homeland Security take the leading role in cybersecurity.


That is in part because the D.H.S., if far from entirely open to public scrutiny, is much less secretive than the N.S.A., the eavesdropping and code-breaking agency. To this day, N.S.A. officials have revealed almost nothing about the warrantless wiretapping it conducted inside the United States in the hunt for terrorists in the years after 2001, even after the secret program was disclosed by The New York Times in 2005 and set off a political firestorm.


The hazards of the Web as record keeper, of course, are a familiar topic. New college graduates find that their Facebook postings give would-be employers pause. Husbands discover wives’ infidelity by spotting incriminating e-mails on a shared computer. Teachers lose their jobs over impulsive Twitter comments.


But the events of the last few days have shown how law enforcement investigators who plunge into the private territories of cyberspace looking for one thing can find something else altogether, with astonishingly destructive results.


Some people may applaud those results, at least in part. By having a secret extramarital affair, for instance, Mr. Petraeus was arguably making himself vulnerable to blackmail, which would be a serious concern for a top intelligence officer. What if Russian or Chinese intelligence, rather than the F.B.I., had discovered the e-mails between the C.I.A. director and Ms. Broadwell?


Likewise, military law prohibits adultery — which General Allen’s associates say he denies committing — and some kinds of relationships. So should an officer’s privacy really be total?


But some commentators have renewed an argument that a puritanical American culture overreacts to sexual transgressions that have little relevance to job performance. “Most Americans were dismayed that General Petraeus resigned,” said Mr. Romero of the A.C.L.U.


That old debate now takes place in a new age of electronic information. The public shaming that labeled the adulterer in Nathaniel Hawthorne’s “Scarlet Letter” might now be accomplished by an F.B.I. search warrant or an N.S.A. satellite dish.


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Ordering More Airstrikes, Syria Calls French Recognition of Rebels ‘Immoral’


Javier Manzano/Agence France-Presse — Getty Images


Smoke billowed from burning tires as a Syria rebel fired towards regime forces during clashes in the Al-Amariya district of Aleppo in Syria on Tuesday.







PARIS — Syrian authorities ordered airstrikes for a third consecutive day close to the tense Turkish border on Wednesday, and said a French decision to recognize and consider arming a newly formed Syrian rebel coalition was an “immoral” act “encouraging the destruction of Syria.”




The French move was depicted by analysts as an attempt to inject momentum into a broad Western and Arab effort to build a viable and effective opposition to hasten the end of a stalemated civil war which has further destabilized the Middle East. For its part, the United States on Wednesday signaled a reluctance to go beyond its characterization of the rebel alliance as a legitimate representative of the Syrian people, rather than as their sole representative.


Speaking in Perth, Australia, Secretary of State Hillary Rodham Clinton said Washington first wanted to see the coalition influencing events on the ground.


“As the Syrian opposition takes these steps and demonstrates its effectiveness in advancing the cause of a unified, democratic, pluralistic Syria, we will be prepared to work with them to deliver assistance to the Syrian people,” news reports quoted her saying.


At the same time, she announced $30 million in American humanitarian aid to feed people affected by the civil war, bringing the total American assistance to almost $200 million.


The airstrikes on Wednesday underscored the urgency of the diplomatic maneuvers. Journalists along the 550-mile border between Turkey and Syria near the Turkish border town of Ceylanpinar said they witnessed a Syrian airstrike in the adjacent Syrian town of Ras al-Ain, where rebels say they have ousted troops loyal to Mr. Assad. It was the third such strike there in as many days.


In response, Reuters reported, Turkey scrambled fighter jets to its southeastern border with Syria, recalling Turkey’s insistence that it will not refrain from a tougher reaction against Syria.


The official SANA news agency in Syria made no direct reference to the Western moves. But the deputy foreign minister, Faisal Muqdad, told the Agence France-Presse news agency that the establishment of the opposition coalition in Doha, Qatar, was a “ declaration of war.” "We read the Doha document and they reject any dialogue with the government."


Referring to the French recognition of the alliance, he said: “Allow me to use the word, this is an immoral position. They are supporting killers, terrorists and they are encouraging the destruction of Syria.”The announcement by President François Hollande on Tuesday made France the first Western country to fully embrace the new coalition, which came together this past weekend under Western pressure after days of difficult negotiations in Doha, Qatar.


The goal was to make an opposition leadership — both inside and outside the country — representative of the array of Syrian groups pressing for the downfall of President Bashar al-Assad. Although Mr. Assad is increasingly isolated as his country descends further into mayhem and despair after 20 months of conflict, he has survived partly because of the disagreements and lack of unity among his opponents. Throughout the conflict, the West has taken half measures and been reluctant to back an aggressive effort to oust Mr. Assad. This appears to be the first time that Western nations, with Arab allies, are determined to build a viable opposition leadership that can ultimately function as a government. Whether it can succeed remains unclear.


Mr. Hollande went beyond other Western pledges of support for the new Syrian umbrella rebel group, which calls itself the National Coalition of Syrian Revolutionary and Opposition Forces. But Mr. Hollande’s announcement clearly signaled expectations that if the group can establish political legitimacy and an operational structure inside Syria, creating an alternative to the Assad family’s four decades in power, it will be rewarded with further recognition, money and possibly weapons.


“I announce that France recognizes the Syrian National Coalition as the sole representative of the Syrian people and thus as the future provisional government of a democratic Syria and to bring an end to Bashar al-Assad’s regime,” said Mr. Hollande, who has been one of the Syrian president’s harshest critics.


As for weapons, Mr. Hollande said, France had not supported arming the rebels up to now, but “with the coalition, as soon as it is a legitimate government of Syria, this question will be looked at by France, but also by all countries that recognize this government.”


The six Arab countries of the Gulf Cooperation Council, including key opposition supporters Qatar and Saudi Arabia, recognized the rebel coalition on Monday as the legitimate Syrian government. Political analysts called Mr. Hollande’s announcement an important moment in the Syrian conflict, which began as a peaceful Arab Spring uprising in March 2011. It was harshly suppressed by Mr. Assad, turned into a civil war and has left nearly 40,000 Syrians dead, displaced about 2.5 million and forced more than 400,000 to flee to neighboring countries, according to international relief agencies.


Steven Erlanger reported from Paris, Rick Gladstone from New York, and Alan Cowell from Paris. Reporting was contributed by Neil MacFarquhar and Hwaida Saad from Beirut, Lebanon and Nick Cumming-Bruce from Geneva.



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Square Feet: A Wounded Wall Street Is Expected to Stay Put


Emmanuel Dunand/Agence France-Presse — Getty Images


A businessman made his way Monday into One New York Plaza in Manhattan's financial district, where the cleanup from Hurricane Sandy was still underway.







More than two weeks after Hurricane Sandy came ashore in Manhattan, sending an 11-foot surge of seawater over much of the southern tip of the island, the financial district is still in tatters.




Dozens of office buildings that were flooded by the storm still lack power and are off-limits to tenants, and many streets are a chaotic mess of generators, work crews and pumps.


Still trying to gauge the extent of the damage, many landlords have been vague about when their buildings will reopen. And some tenants, who have been uprooted to tiny conference rooms in New Jersey or industrial spaces in Brooklyn, are weighing whether to come back to the neighborhood at all.


But despite the uncertainty and destruction, many analysts don’t expect the bulk of tenants to pack up and leave for good, nor do they think that future tenants will rule out the neighborhood over fears they might get flooded.


“I don’t think it will become an overriding factor in the location decision,” said John Wheeler, the head downtown broker for Jones Lang LaSalle, echoing other top brokers. “I guess time will tell if I’m being too sanguine about this.”Brokers add that the neighborhood remains a compelling place to locate a business. Even with some train lines hampered by storm damage, it is still amply served by mass transit, with more than a dozen subway lines and ferry service. The new apartments and condos built in recent years, along with new boutiques and restaurants, also mean that many people can now live a few blocks from their office.


Besides, rents are notably competitive with other business districts in Manhattan, at about $40 a square foot in the financial district, compared with $65 in midtown, according to Cassidy Turley, the brokerage, though the downtown figure is expected to climb when the two new World Trade Center buildings come online.


Complicating the prognosis about the neighborhood’s long-term health is the fact that getting an exact handle on the extent of damage has been tricky. Many major landlords have been reluctant to respond to even basic questions about the status of their buildings. And many brokers have refused to discuss individual properties.


And while the city’s Buildings Department declared early last week that nine downtown buildings were completely off-limits, and another 445 were partially habitable, it did not differentiate between commercial and residential structures.


Jones Lang LaSalle has been one of the few brokerages to tackle the issue. It concluded that a hefty 20 percent of all the major office buildings below Canal Street are closed, or 37 out of 183, according to data compiled as of Monday. And those shuttered buildings, most of which are east of Broadway, represent 29.2 million square feet of space, the data shows.


Anecdotal evidence, too, suggests the damage has been severe. Late last week, the Water Street corridor, which runs along the East River, appeared alarmingly hard-hit.


Men in white hazmat outfits pushed garbage bins on streets, which rumbled with the sounds of generators. Several traffic lights were still dark. Clumps of yellow hoses snaked up escalators and through lobbies. And security guards, protecting against looters, were more numerous than people wearing suits.


Among the buildings confirmed closed were: 99 Wall Street, 199 Water Street, One Wall Street Plaza and 180 Maiden Lane. Others that appear to be closed include 55 Water Street, 85 Broad Street, 7 Hanover Square and 10 Hanover Square, among others. Four New York Plaza, where The Daily News is based, could be closed for a year, though One New York Plaza, whose basement shopping center took on 30 feet of water, should reopen in two weeks, according to a spokeswoman for the building’s landlord, Brookfield Office Properties.


Going forward, some tenants are concerned that floods will become a regular occurrence; after all, just 15 months ago, the city was soaked by Tropical Storm Irene. These tenants say their fears were confirmed by comments that Gov. Andrew M. Cuomo made after Hurricane Sandy about how destructive weather events are likely to recur.


“He was like, ‘If you don’t believe in global warming, wake up and see what’s happening here,’ and he was right,” said Andrea Katz, a development director for WBAI, the public radio station, which has a 10,000-square-foot space at 120 Wall Street. The lower floors of the Art Deco building, which is at South Street and owned by Silverstein Properties, were flooded by Hurricane Sandy.


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Well: A Vegetarian Thanksgiving Table

Every year, Well goes vegetarian for Thanksgiving to celebrate the fall harvest and the delicious vegetable dishes that take up most of the space on holiday tables.

This year, we have another terrific lineup of vegan and vegetarian recipes from some of your favorite food writers and chefs. Cooking up a meat-free celebration will inspire you to be more creative in the kitchen all year round, preparing vegetarian and vegan main courses and side dishes that burst with the flavors of the seasonal harvest. Even if you still plan to serve a traditional bird (although plenty of people skip the turkey), Well’s Vegetarian Thanksgiving series will give you some new recipes and inspiration for meat-free cooking to be enjoyed by all the omnivores and herbivores at your table.

To kick off Well’s 2012 Vegetarian Thanksgiving, I asked my favorite vegan chef, Chloe Coscarelli, to offer some of her fall favorites. I first learned about Ms. Coscarelli when I saw her bake her way to victory with dairy-free and egg-free vegan cupcakes on the popular Food Network program “Cupcake Wars.” Since then, she has released a new cookbook, “Chloe’s Kitchen,’’ appeared on the “Today” show and other programs and now plans to release another book, “Chloe’s Vegan Desserts,” in February.

The key to successful vegan cooking, says Ms. Coscarelli, is not to try to replicate meat and cheese dishes with fake no-meat products. Instead, the goal is to develop dishes with rich, satisfying flavors and textures that will make you forget you’re eating vegan food.

“It’s more about finding other flavors,” she said. “That’s a huge principle of my cooking and my recipes. I’m not throwing a bunch of fake cheese and fake meat on top of something and calling it a pizza.’’

I wanted to start our Vegetarian Thanksgiving series with recipes from Ms. Coscarelli because I have had so much success making many of her dishes. Her chocolate pumpkin bread pudding, made with coconut milk and organic canned pumpkin, is now a personal holiday favorite. At my house, we fill our plates with her Maple-Roasted Brussels Sprouts With Hazelnuts and love her Harvest-Stuffed Portobello Mushrooms.

One of my favorites, a homemade fall pizza prepared with squash, caramelized onions and a decadent garlic and white bean purée, is featured below. Ms. Coscarelli also offers a unique vegan take on mashed yams (no butter!) and a delicious cauliflower and black-eyed pea dish that may become a new holiday tradition.


“Chloe’s Kitchen”
Roasted Apple, Butternut Squash and Caramelized Onion Pizza

This fall vegetable pizza is a great vegetarian main course, or it can be cut into pieces as an appetizer. The creamy consistency of the white bean purée makes this dish seem like a decadent treat, and you won’t even notice that it doesn’t have cheese.

Garlic White Bean Purée:
1 (15-ounce) can cannellini or other white beans, rinsed and drained
1/4 cup olive oil
1 tablespoon lemon juice
2 cloves garlic
1/2 teaspoon dried thyme
1 teaspoon sea salt
1/2 teaspoon freshly ground black pepper
1 to 2 tablespoons water

Pizza toppings:
4 tablespoons olive oil
1 onion, thinly sliced
Sea salt
Freshly ground black pepper
2 cups butternut squash, peeled and cut into 1/2-inch cubes
1 cup spinach
1 apple, peeled and thinly sliced

Pizza dough (store-bought is fine, or make your own)

1. Preheat oven to 375 degrees. Make the Garlic White Bean Purée by blending the beans, oil, lemon juice, garlic, thyme, salt and pepper in a food processor. Add water, as needed, until a smooth consistency forms. Set aside. Can be made two days in advance.

2. In a large skillet, heat 2 tablespoons oil over medium-high heat and sauté onions until soft and lightly caramelized, about 20 to 30 minutes. Season generously with salt and pepper.

3. While the onions are cooking, toss remaining 2 tablespoons oil with squash and season generously with salt and pepper. Transfer to a large-rimmed baking sheet and roast for 30 to 35 minutes until squash is fork-tender, turning once or twice with a spatula. Remove from oven and set aside. Turn heat up to 450 degrees.

4. Prepare pizza. Brush a large-rimmed baking sheet (approximately 9 by 13 inches) with oil. Stretch homemade or store-bought pizza dough into a rectangle and fit it into the prepared baking sheet. Spread a layer of the Garlic White Bean Purée evenly over the rolled-out dough. (You may not want to use all of it.) On top of the dough, arrange the spinach, caramelized onions, roasted butternut squash and apple slices. Season with salt and pepper, and brush the edges of the crust with olive oil.

5. Bake at 450 degrees for about 15 to 20 minutes, rotating midway, until the crust is slightly browned or golden. Let cool, slice and serve.

Yield: 4 servings


“Chloe’s Kitchen”
Coconut Mashed Yams With Currants

Try these easy butter-free, dairy-free mashed yams, dressed up with creamy coconut and an infusion of warm autumn spices. Every so often you’ll catch a plump currant that will make that bite even better.

3 large garnet or other yams, peeled and cut into 2-inch pieces
1 cup canned coconut milk, mixed well before measuring
1/3 cup maple syrup or packed brown sugar
1/2 teaspoon sea salt
1/4 teaspoon ground cinnamon
1/4 teaspoon ground cloves
1/4 teaspoon ground ginger
1/3 cup currants, soaked in warm water for 10 to 15 minutes and drained

1. Place yam pieces in a large pot and cover with cold water. Cover and bring to a boil. Cook until fork-tender, 15 to 20 minutes. Drain and return to pot.

2. Add coconut milk, maple syrup, salt and spices, and mash with a potato masher until smooth. Adjust seasoning to taste. Add more coconut milk for a creamier texture and more maple syrup for a sweeter flavor. Mix in currants and serve.

Yield: 6 servings


“Chloe’s Kitchen”
Southern Skillet Black-Eyed Peas and Cauliflower With Quick Biscuits

Add a new flavor to your Thanksgiving table with this sweet and saucy black-eyed pea dish. Leftovers can be eaten in a bun, sloppy-Joe style. The biscuits are easy — no rolling or folding required.

2 tablespoons olive oil
1 large onion, finely chopped
1 green bell pepper, seeded and diced
2 cups cauliflower florets, roughly chopped into 1/2-inch pieces
2 cloves garlic, minced
1 tablespoon ground cumin
1 teaspoon chili powder
1/2 teaspoon ground cinnamon
1/4 teaspoon cayenne pepper
1/2 teaspoon sea salt
2 (15-ounce) cans black-eyed peas, rinsed and drained
1 (14-ounce) can tomato sauce
1 cup water
1/4 cup soy sauce
1/3 cup packed brown sugar or maple syrup
2 tablespoons white or apple cider vinegar
Quick Biscuits, recipe below
Whipped Maple “Butter,”recipe below

1. In a large pot, heat oil over medium-high heat and sauté onions and green peppers until soft. Add cauliflower and cook, stirring frequently, until it is lightly browned, about 5 to 8 minutes. Add garlic, cumin, chili powder, cinnamon, cayenne and salt, and cook a few more minutes.

2. Stir in black-eyed peas, tomato sauce, water, soy sauce, brown sugar and vinegar. Reduce heat to medium. Simmer, uncovered, for 10 to 15 minutes. Adjust seasoning to taste. Serve in soup bowls with biscuits and whipped maple “butter” on the side.


“Chloe’s Kitchen”
Quick Biscuits With Maple “Butter”

Quick Biscuits
2 cups all-purpose flour, plus extra for work surface
1 tablespoon baking powder
3/4 teaspoon salt
1/2 cup vegan margarine, plus extra for brushing
3/4 cup soy, almond or rice milk

Whipped Maple “Butter”
1 cup vegan margarine, at room temperature
1/4 cup maple syrup

1. Preheat oven to 375 degrees. You can make the dough by hand or using a food processor.

2. By hand: Whisk together flour, baking powder and salt in a large bowl. Add margarine and cut it roughly into flour using a pastry cutter, until mixture is the texture of coarse meal with a few larger margarine lumps. Work quickly so the margarine does not melt. Add nondairy milk and stir with a wooden spoon until just combined. Do not overwork.

3. Food processor: Combine flour, baking powder and salt in the food processor and pulse for about 5 seconds until ingredients are combined. Add margarine and pulse in the food processor until mixture is the texture of coarse meal with a few larger margarine lumps. Work quickly so the margarine does not melt. Add nondairy milk and pulse a few times until just combined. Do not overwork.

4. Transfer the dough to a lightly floured surface and pat into an oblong shape, about 1 inch thick. Using a 2 1/2-inch floured cookie or biscuit cutter, cut the biscuits out and place them on a baking sheet. Brush the tops lightly with melted margarine and bake for about 12 to 15 minutes, or until they begin to turn golden. Remove biscuits from oven immediately and transfer to a wire rack to cool.

5. Make the maple “butter.” In a mixing bowl, using a whisk or electric mixer, whip margarine with maple syrup until light and fluffy. Refrigerate until serving.

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Well: A Vegetarian Thanksgiving Table

Every year, Well goes vegetarian for Thanksgiving to celebrate the fall harvest and the delicious vegetable dishes that take up most of the space on holiday tables.

This year, we have another terrific lineup of vegan and vegetarian recipes from some of your favorite food writers and chefs. Cooking up a meat-free celebration will inspire you to be more creative in the kitchen all year round, preparing vegetarian and vegan main courses and side dishes that burst with the flavors of the seasonal harvest. Even if you still plan to serve a traditional bird (although plenty of people skip the turkey), Well’s Vegetarian Thanksgiving series will give you some new recipes and inspiration for meat-free cooking to be enjoyed by all the omnivores and herbivores at your table.

To kick off Well’s 2012 Vegetarian Thanksgiving, I asked my favorite vegan chef, Chloe Coscarelli, to offer some of her fall favorites. I first learned about Ms. Coscarelli when I saw her bake her way to victory with dairy-free and egg-free vegan cupcakes on the popular Food Network program “Cupcake Wars.” Since then, she has released a new cookbook, “Chloe’s Kitchen,’’ appeared on the “Today” show and other programs and now plans to release another book, “Chloe’s Vegan Desserts,” in February.

The key to successful vegan cooking, says Ms. Coscarelli, is not to try to replicate meat and cheese dishes with fake no-meat products. Instead, the goal is to develop dishes with rich, satisfying flavors and textures that will make you forget you’re eating vegan food.

“It’s more about finding other flavors,” she said. “That’s a huge principle of my cooking and my recipes. I’m not throwing a bunch of fake cheese and fake meat on top of something and calling it a pizza.’’

I wanted to start our Vegetarian Thanksgiving series with recipes from Ms. Coscarelli because I have had so much success making many of her dishes. Her chocolate pumpkin bread pudding, made with coconut milk and organic canned pumpkin, is now a personal holiday favorite. At my house, we fill our plates with her Maple-Roasted Brussels Sprouts With Hazelnuts and love her Harvest-Stuffed Portobello Mushrooms.

One of my favorites, a homemade fall pizza prepared with squash, caramelized onions and a decadent garlic and white bean purée, is featured below. Ms. Coscarelli also offers a unique vegan take on mashed yams (no butter!) and a delicious cauliflower and black-eyed pea dish that may become a new holiday tradition.


“Chloe’s Kitchen”
Roasted Apple, Butternut Squash and Caramelized Onion Pizza

This fall vegetable pizza is a great vegetarian main course, or it can be cut into pieces as an appetizer. The creamy consistency of the white bean purée makes this dish seem like a decadent treat, and you won’t even notice that it doesn’t have cheese.

Garlic White Bean Purée:
1 (15-ounce) can cannellini or other white beans, rinsed and drained
1/4 cup olive oil
1 tablespoon lemon juice
2 cloves garlic
1/2 teaspoon dried thyme
1 teaspoon sea salt
1/2 teaspoon freshly ground black pepper
1 to 2 tablespoons water

Pizza toppings:
4 tablespoons olive oil
1 onion, thinly sliced
Sea salt
Freshly ground black pepper
2 cups butternut squash, peeled and cut into 1/2-inch cubes
1 cup spinach
1 apple, peeled and thinly sliced

Pizza dough (store-bought is fine, or make your own)

1. Preheat oven to 375 degrees. Make the Garlic White Bean Purée by blending the beans, oil, lemon juice, garlic, thyme, salt and pepper in a food processor. Add water, as needed, until a smooth consistency forms. Set aside. Can be made two days in advance.

2. In a large skillet, heat 2 tablespoons oil over medium-high heat and sauté onions until soft and lightly caramelized, about 20 to 30 minutes. Season generously with salt and pepper.

3. While the onions are cooking, toss remaining 2 tablespoons oil with squash and season generously with salt and pepper. Transfer to a large-rimmed baking sheet and roast for 30 to 35 minutes until squash is fork-tender, turning once or twice with a spatula. Remove from oven and set aside. Turn heat up to 450 degrees.

4. Prepare pizza. Brush a large-rimmed baking sheet (approximately 9 by 13 inches) with oil. Stretch homemade or store-bought pizza dough into a rectangle and fit it into the prepared baking sheet. Spread a layer of the Garlic White Bean Purée evenly over the rolled-out dough. (You may not want to use all of it.) On top of the dough, arrange the spinach, caramelized onions, roasted butternut squash and apple slices. Season with salt and pepper, and brush the edges of the crust with olive oil.

5. Bake at 450 degrees for about 15 to 20 minutes, rotating midway, until the crust is slightly browned or golden. Let cool, slice and serve.

Yield: 4 servings


“Chloe’s Kitchen”
Coconut Mashed Yams With Currants

Try these easy butter-free, dairy-free mashed yams, dressed up with creamy coconut and an infusion of warm autumn spices. Every so often you’ll catch a plump currant that will make that bite even better.

3 large garnet or other yams, peeled and cut into 2-inch pieces
1 cup canned coconut milk, mixed well before measuring
1/3 cup maple syrup or packed brown sugar
1/2 teaspoon sea salt
1/4 teaspoon ground cinnamon
1/4 teaspoon ground cloves
1/4 teaspoon ground ginger
1/3 cup currants, soaked in warm water for 10 to 15 minutes and drained

1. Place yam pieces in a large pot and cover with cold water. Cover and bring to a boil. Cook until fork-tender, 15 to 20 minutes. Drain and return to pot.

2. Add coconut milk, maple syrup, salt and spices, and mash with a potato masher until smooth. Adjust seasoning to taste. Add more coconut milk for a creamier texture and more maple syrup for a sweeter flavor. Mix in currants and serve.

Yield: 6 servings


“Chloe’s Kitchen”
Southern Skillet Black-Eyed Peas and Cauliflower With Quick Biscuits

Add a new flavor to your Thanksgiving table with this sweet and saucy black-eyed pea dish. Leftovers can be eaten in a bun, sloppy-Joe style. The biscuits are easy — no rolling or folding required.

2 tablespoons olive oil
1 large onion, finely chopped
1 green bell pepper, seeded and diced
2 cups cauliflower florets, roughly chopped into 1/2-inch pieces
2 cloves garlic, minced
1 tablespoon ground cumin
1 teaspoon chili powder
1/2 teaspoon ground cinnamon
1/4 teaspoon cayenne pepper
1/2 teaspoon sea salt
2 (15-ounce) cans black-eyed peas, rinsed and drained
1 (14-ounce) can tomato sauce
1 cup water
1/4 cup soy sauce
1/3 cup packed brown sugar or maple syrup
2 tablespoons white or apple cider vinegar
Quick Biscuits, recipe below
Whipped Maple “Butter,”recipe below

1. In a large pot, heat oil over medium-high heat and sauté onions and green peppers until soft. Add cauliflower and cook, stirring frequently, until it is lightly browned, about 5 to 8 minutes. Add garlic, cumin, chili powder, cinnamon, cayenne and salt, and cook a few more minutes.

2. Stir in black-eyed peas, tomato sauce, water, soy sauce, brown sugar and vinegar. Reduce heat to medium. Simmer, uncovered, for 10 to 15 minutes. Adjust seasoning to taste. Serve in soup bowls with biscuits and whipped maple “butter” on the side.


“Chloe’s Kitchen”
Quick Biscuits With Maple “Butter”

Quick Biscuits
2 cups all-purpose flour, plus extra for work surface
1 tablespoon baking powder
3/4 teaspoon salt
1/2 cup vegan margarine, plus extra for brushing
3/4 cup soy, almond or rice milk

Whipped Maple “Butter”
1 cup vegan margarine, at room temperature
1/4 cup maple syrup

1. Preheat oven to 375 degrees. You can make the dough by hand or using a food processor.

2. By hand: Whisk together flour, baking powder and salt in a large bowl. Add margarine and cut it roughly into flour using a pastry cutter, until mixture is the texture of coarse meal with a few larger margarine lumps. Work quickly so the margarine does not melt. Add nondairy milk and stir with a wooden spoon until just combined. Do not overwork.

3. Food processor: Combine flour, baking powder and salt in the food processor and pulse for about 5 seconds until ingredients are combined. Add margarine and pulse in the food processor until mixture is the texture of coarse meal with a few larger margarine lumps. Work quickly so the margarine does not melt. Add nondairy milk and pulse a few times until just combined. Do not overwork.

4. Transfer the dough to a lightly floured surface and pat into an oblong shape, about 1 inch thick. Using a 2 1/2-inch floured cookie or biscuit cutter, cut the biscuits out and place them on a baking sheet. Brush the tops lightly with melted margarine and bake for about 12 to 15 minutes, or until they begin to turn golden. Remove biscuits from oven immediately and transfer to a wire rack to cool.

5. Make the maple “butter.” In a mixing bowl, using a whisk or electric mixer, whip margarine with maple syrup until light and fluffy. Refrigerate until serving.

Read More..

Critic’s Notebook: Call of Duty: Black Ops II and Halo 4


Activision


Call of Duty: Black Ops II.







If you’re playing a popular video game on your television these days, there’s a good chance that you’re pretending to shoot something.













Breaking news about the arts, coverage of live events, critical reviews, multimedia and more.








A sortable calendar of noteworthy cultural events in the New York region, selected by Times critics.





Activision

A screen shot from Activision’s Call of Duty: Black Ops II, which imagines a Defense Secretary Petraeus in 2025






The worlds of many blockbusters for the PlayStation and Xbox systems are seen down the barrel of a gun, which to an outsider might seem to limit the range of possible expression. More pretend violence. More men shooting men. More expensive virtual realms in which the right to bear arms is about the only right anyone exercises.


Sure enough, two of this month’s (and this year’s) biggest gaming blockbusters, Halo 4 and Call of Duty: Black Ops II, consist mostly of shooting and not being shot. Both games, however, justify this point. Both demonstrate how interesting and worthwhile the shooting in a video game can be.


Forget that Halo 4 is a science-fiction heroic epic, set to begin a second multimillion-selling trilogy, as we control Master Chief, the armored space Marine (and possible species savior), in gunfights on strange new worlds. Forget that Call of Duty: Black Ops II is the nth annual military shooter and possibly the biggest moneymaker of any piece of new entertainment of the year. These trappings don’t make these games fun. The shooting does.


Shooting in video games is ultimately the connecting of Point A to Point B, the elimination of one set of shapes, representing the enemy, from a TV screen to keep another arrangement of shapes, representing you, illuminated and ready for the next encounter. A good shooter game is a laboratory for tactical decisions and a test chamber for your reflexes and wits. It’s armed checkers or chess with no resting for turn taking. Halo 4 and Black Ops II both qualify as very good new shooters, though in surprisingly different ways.


But first, some context is needed. Because even though shooting is the core of these games, it’s neither what obviously distinguishes them nor what the marketers of these games or even your own eyes might suggest define them.


One game bellows barely intelligible space opera; the other spits out well-chewed Tom Clancy mixed with James Bond. One is sci-fi and allows the odd romance to flicker between our faceless supersoldier hero and the voluptuous, artificially intelligent female hologram who tells our supersoldier where to go to find the next aliens to shoot. The other game is a mélange of American anxieties about the backfired partnerships of the cold war and the continuing drone warfare of today.


In one level of Black Ops II, set in the 1980s, the Afghan mujahedeen turn their guns on their American friends. In a level set in 2025, American drones are reprogrammed by a terrorist to bomb Los Angeles. Oliver North, the Reagan-era national security aide at the heart of the Iran-contra affair, advised the production, though his in-game cameo will now raise fewer eyebrows than will the appearance, in virtual form, of the newly resigned director of the Central Intelligence Agency, David H. Petraeus. The game’s defense secretary in 2025 is voiced by an actor and mostly just stands around, loyally serving a Hillary Rodham Clinton look-alike president, his programmers doubtless unaware of how unintentionally odd their inclusion of Mr. Petraeus would be.


As interesting as the settings and situations are in Halo and Black Ops II, they’re practically irrelevant to those who enjoy these games. Shooters engage people as a presentation of conundrums that last as long as a quick exchange of gunfire and that are eligible for a painless do-over after any failure.


Someone once said that video games were really just about cleaning, about finding the right tools to scrub enemies from a scene. In Halo games the vacuum, mop and dust rag have been the gun, the grenade and the melee. Recent versions have added equipment like jetpacks or, in Halo 4, a floating sentry turret and glide jets, among other things. The typical encounter has involved approaching an enemy force and maybe tossing a grenade to make it scramble or drop its shields, then shooting it to soften it up further, then running in to punch it, then hanging back to heal rapidly.


Halo 4, which plays more like a stunningly beautiful remake than like a sequel, does little to change this other than to introduce one excellent new enemy, the Promethean. This bad guy is a sort of robo-knight who is often abetted by machine-gun-armed attack dogs and a floating turret that can douse the knight with shields or even revive it. The Promethean presents a challenge for players who must decide during encounter after encounter in which order to eliminate those foes and with which weapons.


Stephen Totilo is the editor in chief of the gaming site Kotaku.com.



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