AP source: Justin Bieber and Selena Gomez break up

NEW YORK (AP) — A source confirms to The Associated Press that Justin Bieber is no longer Selena Gomez's "Boyfriend."

The source is not authorized to discuss the split with the press and spoke on condition of anonymity.

The breakup apparently happened last week. Distance and their busy schedules were cited as factors.

Eighteen-year-old Bieber is touring to promote his latest album, "Believe," which contains the hit "Boyfriend." Twenty-year-old Gomez is filming a "Wizards of Waverly Place" reunion for the Disney Channel.

The pair made their relationship public in February 2011.

E! News was the first to report the split.

Bieber seems to be doing OK, at least publicly. On the red carpet of Wednesday's Victoria's Secret fashion show he said, "I'd rather be here than anywhere in the world."

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Online:

http://www.justinbiebermusic.com/

http://www.selenagomez.com/

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The New Old Age Blog: The Emotional Aftermath of Hurricane Sandy

Let’s talk about the emotional aftermath of the storm that left tens of thousands of older people on the East Coast without power, bunkered down in their homes, chilled to the bone and out of touch with the outside world.

Let’s name the feelings they may have experienced. Fear. Despair. Hopelessness. Anxiety. Panic.

Linda Leest and her staff at Services Now for Adult Persons in Queens heard this in the voices of the older people they had been calling every day, people who were homebound and at risk because of medical conditions that compromise their physical functioning.

“They’re afraid of being alone,” she said in a telephone interview a few days after the storm. “They’re worried that if anything happens to them, no one is going to know. They feel that they’ve lost their connection with the world.”

What do we know about how older adults fare, emotionally, in a disaster like that devastating storm, which destroyed homes and businesses and isolated older adults in darkened apartment buildings, walk-ups and houses?

Most do well — emotional resilience is an underappreciated characteristic of older age — but those who are dependent on others, with pre-existing physical and mental disabilities, are especially vulnerable.

Most will recover from the disorienting sense that their world has been turned upside down within a few weeks or months. But some will be thrown into a tailspin and will require professional help. The sooner that help is received, the more likely it is to prevent a significant deterioration in their health.

The best overview comes from a November 2008 position paper from the American Association for Geriatric Psychiatry that reviewed the effects of Hurricane Katrina and other disasters. After Katrina, “the elderly had the highest mortality rates, health decline and suicide rates of any subgroup,” that document notes. “High rates of psychosomatic problems were seen, with worsening health problems and increased mortality and disability.”

This is an important point: Emotional trauma in older adults often is hard to detect, and looks different from what occurs in younger people. Instead of acknowledging anxiety or depression, for instance, older people may complain of having a headache, a bad stomachache or some other physical ailment.

“This age group doesn’t generally feel comfortable talking about their feelings; likely, they’ll mask those emotions or minimize what they’re experiencing,” said Dr. Mark Nathanson, a geriatric psychiatrist at Columbia University Medical Center.

Signs that caregivers should watch out for include greater-than-usual confusion in an older relative, a decline in overall functioning and a disregard for “self care such as bathing, eating, dressing properly and taking medication,” Dr. Nathanson said.

As an example, he mentioned an older man who had “been sitting in a cold house for days and decided to stop taking his water pill because he felt it was just too much trouble.” Being distraught or distracted and forgetting or neglecting to take pills for chronic conditions like diabetes or heart disease can have immediate harmful effects.

Especially at risk of emotional disturbances are older adults who are frail and advanced in age, those who have cognitive impairments like Alzheimer’s disease, those with serious mental illnesses like schizophrenia or major depression, and those with chronic medical conditions or otherwise in poor physical health, according to the geriatric psychiatry association’s position paper.

A common thread in all of the above is the depletion of physical and emotional reserves, which impairs an older person’s ability to adapt to adverse circumstances.

“In geriatrics, we have this idea of the ‘geriatric cascade’ that refers to how a seemingly minor thing can set in motion a functional, cognitive and psychological downward spiral” in vulnerable older adults, said Dr. Mark Lachs, chief of the division of geriatrics at Weill Cornell Medical College. “Well, the storm was a major thing — a very large disequilibrating event — and its impact is an enormous concern.”

Of special concern are older people who may be in the early stages of Alzheimer’s disease or other types of dementia who are living alone. For this group, the maintenance of ordinary routines and the sense of a dependable structure in their lives is particularly important, and “a situation like Sandy, which causes so much disruption, can be a tipping point,” Dr. Lachs said.

Also of concern are older people who may have experienced trauma in the past, and who may suffer a reignition of post-traumatic stress symptoms because of the disaster.

Most painful of all, for many older adults, is the sense of profound isolation that can descend on those without working phones, electricity or relatives who can come by to help.

“That isolation, I can’t tell you how disorienting that can be,” said Bobbie Sackman, director of public policy for the Council of Senior Centers and Services of New York City. “They’re scared, but they won’t tell you because they’re too proud and ashamed to ask for help.”

The best remedy, in the short run, is the human touch.

“Now is the time for people to reach out to their neighbors in high-rises or in areas where seniors are clustered, to knock on doors and ask people how they are doing,” said Dr. Gary Kennedy, director of the division of geriatric psychiatry at Montefiore Medical Center in the Bronx.

Don’t make it a one-time thing; let the older person know you’ll call or come by again, and set up a specific time so “there’s something for them to look forward to,” Dr. Kennedy said. So-called naturally occurring retirement communities with large concentrations of older people should be organizing from within to contact residents who may not be connected with social services and find out how they’re doing, he recommended.

In conversations with older adults, offer reassurance and ask open-ended questions like “Are you low on pills?” or “Can I run out and get you something?” rather than trying to get them to open up, experts recommended. Focusing on problem-solving can make people feel that their lives are being put back in order and provide comfort.

Although short-term psychotherapy has positive outcomes for older adults who’ve undergone a disaster, it’s often hard to convince a senior to seek out mental health services because of the perceived stigma associated with psychological conditions. Don’t let that deter you: Keep trying to connect them with services that can be of help.

Be mindful of worrisome signs like unusual listlessness, apathy, unresponsiveness, agitation or confusion. These may signal that an older adult has developed delirium, which can be extremely dangerous if not addressed quickly, Dr. Nathanson said. If you suspect that’s the case, call 911 or make sure you take the person to the nearest hospital emergency room.

This is a safe place to talk about all kinds of issues affecting older adults. Would you be willing to share what kinds of mental health issues you or family members are dealing with since the storm so readers can learn from one another?

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DealBook: In Unusual Move, the Delaware Supreme Court Rebukes a Judge

As the chief judge of the Delaware Court of Chancery — the country’s most influential court overseeing business cases — Leo E. Strine Jr. has been called an activist. He has also been called an iconoclast, a genius and a humorist.

But this week, Delaware’s highest court called him out of bounds.

The Delaware Supreme Court issued a stinging rebuke of Judge Strine on Wednesday, criticizing him for what it said was an improper digression in an opinion. Judge Strine’s decision related to a contractual dispute but went off on an 11-page tangent about an obscure issue related to limited liability companies.

“The court’s excursus on this issue strayed beyond the proper purview and function of a judicial opinion,” the Supreme Court wrote, adding, “We remind Delaware judges that the obligation to write judicial opinions on the issues presented is not a license to use those opinions as a platform from which to propagate their individual world views on issues not presented.”

Famous among lawyers for his colorful opinions and courtroom meanderings — which are frequently laced with cultural references, both high and low — Judge Strine has supporters and detractors in the securities class-action bar. The Delaware Court of Chancery exerts a powerful influence on United States business because many large companies are incorporated in Delaware and litigate cases there.

Several lawyers, none of whom would be quoted by name because they all practice before him, said it was only a matter of time before someone sought to rein him in. “I’m only surprised it took this long,” said a corporate litigator from New York who has argued cases in Judge Strine’s courtroom.

The Supreme Court advised Judge Strine that if he wished to “ruminate on what the proper direction of Delaware law should be, there are appropriate platforms, such as law review articles, the classroom, continuing legal education presentations and keynote speeches.”

Stephen Gillers, a professor of legal and judicial ethics at New York University School of Law, said that the court’s admonition was highly unusual.

“You rarely see this type of ruling because judges understand that a judicial opinion has a distinct and narrow function and is not supposed to be a platform for your public agenda or your broader views on the law,” he said.

Reached by e-mail, Judge Strine, whose official title is chancellor of the Delaware Court of Chancery, declined to comment.

The ruling came during a week when Judge Strine’s unique judicial stylings were on prominent display. During a hearing in a lawsuit between the fashion designer Tory Burch and her former husband, Christopher Burch, he described the dispute as a “drunken WASP fest.” At the center of the case is whether Mr. Burch, in starting his own retail stores, C. Wonder, borrowed too heavily from Ms. Burch’s successful chain.

During the hearing, Judge Strine addressed scheduling issues in the case, and said, “I didn’t see any reason to burden anyone’s Hanukkah, New Year’s, Christmas, Kwanzaa, Festivus with this preppy clothing dispute.”

He went on to consider why he gets assigned all the preppy clothing cases, noting that he had recently heard a dispute involving J. Crew. That led to a critique of a certain line of rain boots.

“What’s a duck shoe?” he asked. “You see all these freaks wearing this really ugly — I like L. L. Bean, but those duck shoes are ugly. I mean, there’s no way around it.”

He then said he was puzzled by his son’s recent purchase of a pair of Topsiders. “I’m like, what is this?” Judge Strine asked. “I mean, you know, how do you actually want to wear these things?”

As the hearing continued, Judge Strine suggested that there might be nothing unique about the clothing lines of Mr. Burch and Ms. Burch, who divorced in 2007. He stumped one of the lawyers in the case by quizzing him on Ralph Lauren’s original surname, which is Lifschitz.

After his lengthy sidebar on preppy attire, Judge Strine said he was deep in “an autumnal Cheever phase,” referring to the novelist and short story writer. He then encouraged the lawyers to read Cheever’s works, go see the Broadway revival of “Who’s Afraid of Virginia Woolf?” and watch “Mad Men.”

“We’ll be all geared up and in the mood for this sort of drunken WASP fest,” Judge Strine said, and then proceeded to ask about the litigants’ religion. “Are the Burches WASPs?” he asked.

Robert Isen, the chief legal officer at Tory Burch, hesitated before responding, “Tory Burch is Jewish and Chris is not Jewish.”

The answer did not entirely satisfy Judge Strine. “But not Jewish doesn’t make you a WASP, because it could make you an equally excluded faith like Catholic, right?” he asked. “I mean, that’s not a WASP. You know, a WASP is a WASP.”

Mr. Gillers of N.Y.U. Law said that discussing religion in such a manner was conduct unbecoming of a judge. Even if it is done lightheartedly, he said, it could compromise the public’s confidence in the impartiality and integrity of the judiciary.

“Asking about religion, in my mind, is way off base,” Mr. Gillers said. “It’s certainly not legally relevant, and a judge certainly wouldn’t do that with race or sexual orientation.”

Judge Strine began his career in the early 1990s as a lawyer in the Wilmington, Del., office of the law firm Skadden, Arps, Slate, Meagher & Flom. He then joined the staff of the Delaware governor Thomas R. Carper, who is now a senator. Judge Strine, who is 48, was named to the Court of Chancery at 34. Many of his opinions are considered among the most influential rulings in corporate law.

A lawyer based in Wilmington, Del., who described himself as a supporter of Judge Strine, said that behind this week’s Supreme Court ruling was a simmering tension between Myron Steele, the chief justice of the Delaware Supreme Court, and Judge Strine. That conflict appears to have its roots in a disagreement over an arcane subject: the default fiduciary duties of a limited liability company.

This lawyer said that he found Judge Strine’s rapier wit and off-topic asides to be a breath of fresh air in a judiciary that too often can be painfully dull.

“He’s a brilliant dude,” he said. “It’s just Leo being Leo.”

A version of this article appeared in print on 11/10/2012, on page B1 of the NewYork edition with the headline: In Unusual Move, the Delaware Supreme Court Rebukes a Judge.

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Obama and Boehner Circle Each Other on Budget Impasse

WASHINGTON – President Obama and the House speaker, John A. Boehner, circled each other warily on Friday, defending their competing approaches for resolving the budget impasse even as both professed their willingness to reach common ground.

Mr. Obama, in his first formal remarks since the night of his re-election, said he would open discussions with Congressional leaders next week to seek a compromise, and then, before an applauding crowd of supporters in the White House’s East Room, defended the "detailed plan" that he campaigned on — including higher taxes on the wealthy.

“I’m not wedded to every detail of my plan. I am open to compromise. I am open to new ideas,” he said. “But I refuse to accept any approach that isn’t balanced.”

“We have to combine spending cuts with revenue, and that means asking the wealthiest Americans to pay a little more in taxes,” he said, calling for Congress to immediately extend existing tax rates for 98 percent of taxpayers.

Mr. Boehner, citing a “cordial” conversation with the president on the morning after the election, said that he was “hopeful that productive conversations can begin soon so that we can forge an agreement that can pass the Congress.”

But he insisted, as the Repulicans put it throughout the campaign, that “the problem with raising tax rates on the wealthiest Americans is that more than half of them are small-business owners.” He added, “Raising tax rates will slow down our ability to create the jobs that everyone says they want.”

Their dueling appearances seemed almost like a reprise of the debates over tax proposals, which were the sharpest point of division in the presidential election.

Asked if the results of the election had weakened his hand, Mr. Boehner said: “There is a Republican majority here in the House. The American people re-elected the Republican majority.”

Indeed, his hands are tied partly because members of his party still have a wary eye on the electoral landscape. Senator Mitch McConnell of Kentucky, the Republican leader and a crucial player in the budget talks, is up for re-election in 2014 and may resist any deal that could foster opposition back home.

But many members of Congress clearly see recent events as creating an opening in the postelection session of Congress, when some retiring and defeated lawmakers could have a freer hand on voting for legislation, absent political consequences. Republicans were weakened by losing seats in both the House and the Senate, while Democrats are eager to move to issues like immigration, which animated Latino voters and helped deliver victory on Tuesday.

“The conditions are there to act,” Senator Bob Corker, Republican of Tennessee, said on Thursday. “I think the environment is different now.”

One reason is that if Washington were to remain in complete gridlock, all tax brackets would revert automatically to those under President Bill Clinton and spending would be cut automatically across the board – the abrupt changing of economic gears known as the “fiscal cliff” because of its likely economic effects.

The nonpartisan Congressional Budget Office underscored the stakes in a report Thursday that framed Washington’s dilemma. It said that if automatic spending cuts went into force and all the Bush-era tax cuts expired, the nation would slip into recession next year and unemployment would rise to 9.1 percent, from October’s rate of 7.9 percent. But simply canceling those deficit-reduction measures would risk a financial crisis that would make matters worse, the report said.

The report suggested that allowing the Bush-era tax cuts to expire for households earning more than $250,000 a year — favored by the White House and its Democratic allies, but strenuously opposed by Congressional Republicans — would have relatively modest economic effects.

Congressional aides said that on a conference call of House Republicans on Thursday, a number of lawmakers spoke up to say they needed to give their leaders breathing room and avoid brinkmanship.

“I don’t want to box myself in,” Mr. Boehner said on Friday. “I don’t want to box anybody else in. I think it’s important for us to come to an agreement with the president. But this is his opportunity to lead.”

But the forces arrayed against a budget deal remain powerful, and the gap between the parties — at least in their public postures — is wide. Liberals, backed by Senator Harry Reid of Nevada, the majority leader, say Social Security should not be part of any deal.

“House Republicans must end their intransigence on tax cuts for the very wealthy and sit down on a bipartisan basis to finish the work of this Congress,” said Representative Sander M. Levin of Michigan, the ranking Democrat on the House Ways and Means Committee, where tax legislation is written.

Mr. Boehner said that “by lowering rates and cleaning up the tax code, we know that we’re going to get more economic growth.”

“It’ll bring jobs back to America,” he said. “It’ll bring more revenue.”

But a second Congressional Budget Office report released Thursday threw cold water on Republican beliefs that a simplified tax code that lowered income and payroll taxes and closed loopholes to make up for lost revenue would substantially close the deficit by increasing economic growth. Such a plan would raise about $100 billion a year by 2020, far less than what Democrats say is necessary, the report said.

There are other pressing and potentially costly matters facing the lame-duck Congress, too. One is an extension and overhaul of farm programs, including emergency relief for the drought, which persists over much of the nation’s middle.

Another is providing federal assistance to the states hit hard by Hurricane Sandy, a bill that could easily come to tens of billions of dollars.

Then there is the looming deadline for raising the debt ceiling, a matter that may prove hard to untangle from the related questions of spending and taxation.

“It is an issue that is going to have to be addressed, sooner rather than later, " Mr. Boehner said on Friday.

The Treasury Department expects the country to hit its debt ceiling, a legal limit on the amount the government is allowed to borrow, close to the end of the year. That would give Congress only a matter of weeks to raise the ceiling, now about $16.4 trillion, before sending financial markets into a panic.

In 2011, Congressional Republicans would not raise the debt ceiling without a broader agreement to cut the country’s deficit and set it on a better fiscal path. The impasse over finding spending cuts and tax increases to do that led to the creation of the automatic spending cuts that loom on Jan. 1, the same time the Bush-era tax cuts were also set to expire.

Reporting was contributed by Jonathan Weisman, Jennifer Steinhauer, Annie Lowrey and Helene Cooper.

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‘NBA 2K13′ tops video games titles in October

NEW YORK (AP) — U.S. retail sales of new video game hardware, software and accessories fell 25 percent in October, marking the 11th straight month of declining sales for physical game products, according to a report from NPD Group.

Many gamers are waiting for big holiday releases such as Activision‘s “Call of Duty: Black Ops II.”

NPD said sales fell to $ 755.5 million from $ 1 billion a year earlier. Sales of video games themselves, excluding PC titles, fell 25 percent to $ 432.6 million. Sales of hardware such as Microsoft‘s Xbox 360 fell 37 percent to $ 187.3 million. Sales of accessories, meanwhile, grew 5 percent to $ 135.6 million.

Thursday’s study from NPD Group tracks sales of new physical products — about 50 percent of the total spending. Excluded are sales of used games and rentals as well as digital and social-network spending.

NPD also listed the top-selling games in October:

1. “NBA 2K13,” Take-Two Interactive Software Inc.

2. “Resident Evil 6,” Capcom USA

3. “Pokemon Black Version 2,” Nintendo Co.

4. “Dishonored,” Bethesda Softworks

5. “Pokemon White Version 2,” Nintendo Co.

6. “Madden NFL 13,” Electronic Arts Inc.

7. “FIFA Soccer 13,” Electronic Arts Inc.

8. “Medal of Honor: Warfighter,” Electronic Arts Inc.

9. “Borderlands 2,” Take-Two Interactive Software Inc.

10. “Skylander Giants,” Activision Blizzard Inc.

Gaming News Headlines – Yahoo! News

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Obama, Palin and Jobs join Bartlett's club

NEW YPRK (AP) — So much has changed since we last heard from "Bartlett's Familiar Quotations," a decade ago.

Barack Obama was a state legislator. Sarah Palin was mayor of Wasilla. Steve Jobs had just introduced a portable music player called the iPod.

And digital books were a relic from the dot-com bubble.

The 18th edition of the venerable reference work has just been released, the first for the electronic age and a chance to take in some of the new faces, events and catchphrases of the past 10 years. General editor Geoffrey O'Brien says he has expanded upon the trend set by his predecessor, Justin Kaplan, of incorporating popular culture into an anthology once known for classical citations. Shakespeare and the Bible still reign, but room also has been made for Madonna and Michael Moore, Justin Timberlake and Jon Stewart.

"I also added a great many quotes that originated in other languages. So I would say the new edition has a more international scope," says O'Brien, an author and critic and editor in chief of the Library of America, which publishes hardcover volumes of canonical American authors.

Little, Brown and Company hopes the new Bartlett's will appeal both as an old-fashioned coffee table hardcover, some 1,400 pages, and as an ultra-portable digital reference guide. Instead of releasing an e-book edition, the publisher has developed an app that does not simply replicate the printed book, but makes it ideal for digital devices and easy to share on Facebook or Twitter.

Dozens of employees spent months working on the app, according to Brian Singh, mobile analyst for Little, Brown's parent company, Hachette Book Group. Some 20,000 quotations were categorized so those looking for a quick quote — say a love poem for a wedding speech — could simply search the word "love." The app costs $3.95 and does not include any extra material, but it does have a digital feature, Quoto, which allows users to take a favorite citation, set it against a backdrop of choice and post it online.

For the hardcover, O'Brien said he removed some old poetry and forgotten phrases to make room for about 2,500 new quotes, including several from the Iraq War. Among them are President George W. Bush's call to "Bring 'em on" in response to possible uprisings from insurgents and his declaration that he was the "the decider." The Dixie Chicks' Natalie Maines is mentioned for her on-stage remark that she was "ashamed" Bush was from Texas, as is Moore's Academy Award acceptance speech when he criticized the war and called Bush a "fictitious president."

Seven Obama quotations are listed, from his campaign slogan "Yes, we can!" to his announcement that U.S. special forces had killed Osama bin Laden. Palin's entry includes the quip from her speech at the 2008 Republican convention that the difference between a hockey mom and a pit bull was "lipstick." Job's dying words, "Wow, oh wow," are among four citations for the late Apple CEO, including a 1987 comment that "It's more fun to be a pirate than to join the Navy."

Others in Bartlett's for the first time: Christopher Hitchens ("Seek out argument and disputation for their own sake"); David Foster Wallace ("Make no mistake: irony tyrannizes us"), Stewart (his nightly signoff, "Here it is ... your moment of Zen"), Timberlake (his apology for Janet Jackson's "wardrobe malfunction" during the 2004 Super Bowl halftime show).

Barlett's is home to polished aphorisms and unintentional history: Bill Clinton's "I did not have sex with that woman, Monica Lewinsky"; Oscar winner's Sally Field's cry that "You like me!"; Obama's comments at a private fundraiser that some rural residents "cling to guns or religion." Some quotes originate from tragedy: Rodney King's plea, "Can we all get along?", as Los Angeles burned during the 1992 riots; Flight 93 passenger Todd Beamer calling out "Let's roll" as he led an uprising against Sept. 11, 2011 hijackers.

The credentials for Bartlett's are admittedly arbitrary: Space concerns, individual tastes and the uncertain definition of the word "familiar" make the book an invaluable excuse for an argument.

Larry David is in, but not Aaron Sorkin; P.J. O'Rourke, not Maureen Dowd; Jerry Seinfeld and Steve Martin, not George Carlin or Richard Pryor. The many expressions coined on "Saturday Night Live," from "Talk amongst yourselves" to "Well, excuuuuuse me!" were not mentioned. Among novelists, Richard Powers is in, but not Jonathan Franzen; Colson Whitehead, not Michael Chabon.

"I am sure that twelve different well-informed people would come up with twelve different lists of people (and more importantly of specific quotations) left out, and I am sure some of these will be strong candidates for inclusion in the next edition," O'Brien said.

Among songwriting entries, excerpts appear from Lou Reed's lyrics for "All Tomorrow's Parties" and "Heroin," but not from the more famous "Walk On the Wild Side." The Beach Boys' "Carolina, No" gets a mention, but not such anthems as "Surfin' U.S.A." and "Good Vibrations." Kurt Cobain's entry omits "Smells Like Teen Spirit" in favor of "Stay Away" and "Serve the Servants."

For movies, two quotes are included from Robert Towne's "Chinatown" screenplay, but not the immortal closing line, "Forget it Jake, it's Chinatown." One of just two entries for Nora Ephron is "I'll have what she's having," the joke from "When Harry Met Sally ..." that is widely credited to Billy Crystal. Among the favorites left out: "Well, nobody's perfect," the kicker from "Some Like it Hot"; Arnold Schwarzenegger's "Terminator" catchphrase "I'll be back"; the courtroom explosion "You can't handle the truth!" from "A Few Good Men."

"Certain lines strike me as 'familiar for being familiar' — 'You can't handle the truth' being one of them, as I can see little originality or singularity in it," O'Brien said. "The price of compactness is a certain amount of arbitrary exclusion."

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Malaria Vaccine Candidate Produces Disappointing Results in Clinical Trial

The latest clinical trial of the world’s leading malaria vaccine candidate produced disappointing results on Friday. The infants it was given to had only about a third fewer infections than a control group.

But researchers said they wanted to press on, assuming they keep getting financial support, because the number of children who die of malaria is so great that even an inefficient vaccine can save thousands of lives.

Three shots of the vaccine, known as RTS, S or Mosquirix and produced by GlaxoSmithKline, gave babies fewer than 12 weeks old 31 percent protection against detectable malaria and 37 percent protection against severe malaria, according to an announcement by the company at a vaccines conference in Cape Town.

Last year, in a trial in children up to 17 months old, the same vaccine gave 55 percent protection against detectable malaria and 47 percent against severe malaria.

The new trial “is less than we’d hoped for,” Moncef Slaoui, Glaxo’s chairman of research and development said in a telephone interview. “But if a million babies were vaccinated, we would prevent 260,000 cases of malaria a year. This is a disease that kills 655,000 babies a year — 31 percent of that is a very large number.”

The company, which has already spent more than $300 million on the vaccine, wants to keep forging ahead, he said, “but it is not just our decision.”

It also depends on the PATH Malaria Vaccine Initiative, which has put more than $200 million of its Bill and Melinda Gates Foundation financing into the vaccine, and on the World Health Organization, which has helped talk seven African countries into allowing the vaccine to be tested on their children.

The Gates Foundation declined to say how much money it was ultimately prepared to spend on an imperfect vaccine; this set of trials is set to go into 2014.

“The efficacy came back lower than we had hoped, but developing a vaccine against a parasite is a very hard thing to do,” Bill Gates said in a prepared statement. “The trial is continuing, and we look forward to getting more data to help determine whether and how to deploy this vaccine.”

All the families in the trial were given insecticide-impregnated mosquito nets and encouraged to use them; 86 percent did, so the vaccine worked despite other anti-malaria measures.

RTS, S contains a protein found on the parasite’s surface that provokes an immune reaction. It was first identified decades ago by two New York University scientists, Ruth and Victor Nussenzweig. The vaccine was developed by Glaxo in Belgium and initially tested on American volunteers by the Walter Reed Army Institute of Research. When the Gates Foundation began focusing on global health in the early part of this century, it was one of the first projects the foundation adopted. Different ways to make the vaccine more effective, including adding different boosters and giving more shots, are being experimented with. Other vaccines using different ways to provoke an immune reaction exist, but none are as far along in clinical trials.

Like an H.I.V. vaccine, one against malaria has proved an elusive goal. The parasite morphs several times, exhibiting different surface proteins as it goes from mosquito saliva into blood and then into and out of the liver. Also, even the best natural “vaccine” — catching the disease itself — is not very effective. While one bout of measles immunizes a child for life, it usually takes several bouts of malaria to confer even partial immunity. Pregnancy can cause women to stop being immune, and immunity can fade out if someone moves away from a malarial area — presumably because they no longer get “boosters” from repeated mosquito bites.

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Your Money: After the Storm: Managing Your Homeowner’s Claim

There is a sort of honeymoon period that occurs after a big storm like Hurricane Sandy, when insurance executives appear on the local news offering reassuring words. Their brightly painted vans pull into residential neighborhoods amid the standing water and debris. Everyone is hopeful. Handshakes and back-patting all around.

Tom Mihalek/Reuters

Mark Baronowski shoveled sand from the living room of a beach front property in Bay Head, N.J., last week. Many victims of Hurricane Sandy are novices when it comes to catastrophic insurance claims.

That period is about to end. Prices for roofers and construction materials will rise, disadvantageous parsing of policy language will commence and gangs of class-action lawyers will round up aggrieved clients who still have months of homelessness ahead of them. Many claims will take years to settle.

It happens every time, and so it will with this storm. That’s not to say that a majority of people with insurance claims won’t be satisfied with the check they receive or won’t get one quickly.

But when this many people have extensive damage to their most significant asset, billions of dollars are at stake for the companies that have the power to make them whole. So there is no reason for policyholders to be anything but wary until their own big check clears.

Many victims of Hurricane Sandy are novices when it comes to catastrophic insurance claims. So to see what sort of resistance they should expect shortly, I turned to the lawyers and adjusters-for-hire who do nothing but negotiate with insurance companies all day long. Some of them used to work for the companies, in fact.

Here are the things they warn people to watch out for:

THAT INDEPENDENT ADJUSTER Many people with damaged homes have started to meet with representatives who assessed their damaged homes to estimate repair costs. They may have introduced themselves as “independent adjusters,” but this is a misnomer. They represent the insurance company and are not neutral.

In storms like this, large numbers of these freelance claims adjusters parachute in from out of town. In the industry, they are known as storm troopers. They work 18-hour days for a while since no insurance company has enough of its own full-time staff to deploy after a storm like this one. Often, they make enough money not to work for months afterward.

“These guys have a lot of work to do, and it’s a thankless job,” said Matthew Tennenbaum, who used to be an independent adjuster but switched sides and now works for policyholders as a “public” adjuster in Cherry Hill, N.J.

Mr. Tennenbaum worries about the storm troopers’ thoroughness. “They’re going to see 10 properties a day and they’re quickly writing estimates,” he said. “If they spend an extra three or four hours properly writing one estimate, they could have written three more and made more money.”

Though many of them are former builders or contractors, they may not, if time is of the essence, always pull up every floor, explore every inch of the attic or look behind every wall. And they may not know much about your insurance company’s policy.

“The insurance companies hand them a manual, and they may not really understand the manual,” said J. Robert Hunter, the director of insurance for the Consumer Federation of America, who has worked for insurance companies and once ran the federal flood insurance program.  “It’s a crash course at that point.”

  The good news here is that these are not the people who make the final call on your claim. But many policyholders assume that their word is the final word.

WIND VERSUS FLOOD Back at headquarters, other adjusters have their eye on an exclusion that will be crucial for this storm, with its horrific storm surges but relatively mild winds: homeowner’s insurance generally does not cover floods.

Unfortunately, many people do not know this and many more have not purchased or renewed policies with the federal flood insurance program that covers up to $250,000 of flood damage. Researchers from the Wharton Risk Management and Decision Processes Center, working with colleagues at Florida State, the University of Miami and Columbia University, surveyed people in the storm’s path by telephone three days before it hit.

Among people within a block of a body of water, 46 percent had no flood insurance. In areas that had been evacuated in past storms or where the authorities advised people to leave, 58 percent did not have it. Moreover, 39 percent of all the people who thought they did have flood coverage mistakenly believed that their homeowner’s insurance covered it.

People without coverage but lots of damage from the storm surge might do one of a couple of things. A few stubborn ones will sue, arguing that if the wind drove the surge then it’s not really a flood. Judges haven’t taken kindly to this line of reasoning over the years, but that probably won’t keep people from trying again. The Federal Emergency Management Agency may also offer some assistance.

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States Face Tight Health Care Deadlines

After nearly three years of legal and political threats that kept President Obama’s health care law in a constant state of uncertainty, his re-election on Tuesday all but guarantees that the historic legislation will survive.

Now comes another big hurdle: making it work.

States will need to hustle to put in place the various pieces meant to help their residents meet the contentious requirement of having health insurance by Jan. 1, 2014. The federal government is under immense pressure to provide more guidance, while building its own tools to ensure the law’s success.

With Mitt Romney’s vow to “repeal and replace” the law no longer a threat, its supporters are exulting. Bill Foster, a Democrat elected to the House from a suburban Chicago district, summarized the message of the election this way: “For our district and for our country, the debate on Obamacare is over.’

But Mr. Obama and his allies must now step up efforts to promote and explain it to a public that remains sharply divided and confused about it. In exit polls on Tuesday, nearly half of voters said the law should be either partially or fully repealed..

“There is still a tremendous amount of disinformation out there,” said Jeff Goldsmith, a health industry analyst based in Virginia. “If you actually are going to implement this law, people need to know what’s in it – not just the puppies-and-ice-cream parts, but ‘Here are the broader social changes intended and how they can help you.'”

The health care overhaul still faces resistance from many Republican members of Congress, governors and state legislators. In the 11 weeks before Inauguration Day, Mr. Obama faces crucial choices about strategy that could determine the success of the law in the next few years: Will the administration, for example, try to address the concerns of insurers, employers and some consumer groups who worry that the law’s requirements could increase premiums? Or will it insist on the stringent standards favored by liberal policy advocates inside and outside the government?

Much now depends on the states, where lawmakers will decide in the coming weeks and months whether to build online marketplaces known as insurance exchanges, where individuals and small businesses can shop for health plans, and whether to expand their Medicaid programs to reach many more low-income people.

The clock is ticking on the exchange question in particular: states have until Nov. 16 to decide whether they will build their own exchange or let the federal government run one for them.

So far, only about 15 states and the District of Columbia have created the framework for exchanges through legislation or executive orders; three others have committed to running exchanges in partnership with the federal government. A number of Republican governors, including those in Arizona, Idaho, New Jersey, Virginia and Tennessee, had said they would decide after the election, giving themselves only a 10-day window before the deadline.

“I would expect that starting today there are a significant number of fascinating conversations going on behind closed doors in state capitols all over America,” said John McDonough, a professor of public health at Harvard who helped draft the law.

State efforts to carry out the new law will coincide with epic negotiations between Mr. Obama and Congress over federal spending and taxes.

Some observers believe that costly provisions of the health care law, like federal subsidies to help families with incomes up to 400 percent of the poverty level pay their insurance premiums, could be scaled back in the name of deficit reduction.

“We know folks on the Hill are talking about this already,” said David Smith, an analyst at Leavitt Partners, a consulting firm that advises states on the law. “There are a lot of competing factors, but they have to find the savings and we believe health care will be one of the places where they will go.”

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Exclusive: Google Ventures beefs up fund size to $300 million a year

SAN FRANCISCO (Reuters) - Google will increase the cash it allocates to its venture-capital arm to up to $300 million a year from $200 million, catapulting Google Ventures into the top echelon of corporate venture-capital funds.

Access to that sizeable checkbook means Google Ventures will be able to invest in more later-stage financing rounds, which tend to be in the tens of millions of dollars or more per investor.

It puts the firm on the same footing as more established corporate venture funds such as Intel's Intel Capital, which typically invests $300-$500 million a year.

"It puts a lot more wood behind the arrow if we need it," said Bill Maris, managing partner of Google Ventures.

Part of the rationale behind the increase is that Google Ventures is a relatively young firm, founded in 2009. Some of the companies it backed two or three years ago are now at later stages, potentially requiring larger cash infusions to grow further.

Google Ventures has taken an eclectic approach, investing in a broad spectrum of companies ranging from medicine to clean power to coupon companies.

Every year, it typically funds 40-50 "seed-stage" deals where it invests $250,000 or less in a company, and perhaps around 15 deals where it invests up to $10 million, Maris said. It aims to complete one or two deals annually in the $20-$50 million range, Maris said.

LACKING SUPERSTARS

Some of its investments include Nest, a smart-thermostat company; Foundation Medicine, which applies genomic analysis to cancer care; Relay Rides, a carsharing service; and smart-grid company Silver Spring Networks. Last year, its portfolio company HomeAway raised $216 million in an initial public offering.

Still, Google Ventures lacks superstar companies such as microblogging service Twitter or online bulletin-board company Pinterest. The firm's recent hiring of high-profile entrepreneur Kevin Rose as a partner could help attract higher-profile deals.

Soon it could have even more cash to play around with. "Larry has repeatedly asked me: 'What do you think you could do with a billion a year?'" said Maris, referring to Google chief executive Larry Page.

(Editing by Muralikumar Anantharaman)

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