Well: Myths of Weight Loss Are Plentiful, Researcher Says

If schools reinstated physical education classes, a lot of fat children would lose weight  And they might never have gotten fat in the first place if their mothers had just breast fed them when they were babies. But be warned: obese people should definitely steer clear of crash diets. And they can lose more than 50 pounds in five years simply by walking a mile a day.

Those are among the myths and unproven assumptions about obesity and weight loss that have been repeated so often and with such conviction that even scientists like David B. Allison, who directs the Nutrition Obesity Research Center at the University of Alabama at Birmingham, have fallen for some of them.

Now, he is trying to set the record straight. In an article published online today in The New England Journal of Medicine, he and his colleagues lay out seven myths and six unsubstantiated presumptions about obesity. They also list nine facts that, unfortunately, promise little in the way of quick fixes for the weight-obsessed. Example: “Trying to go on a diet or recommending that someone go on a diet does not generally work well in the long term.”

Obesity experts applauded this plain-spoken effort to dispell widespread confusion about obesity. The field, they say, has become something of a quagmire.

“In my view,” said Dr. Jeffrey M. Friedman, a Rockefeller University obesity researcher, “there is more misinformation pretending to be fact in this field than in any other I can think of.”

Others agreed, saying it was about time someone tried to set the record straight.

“I feel like cheering,” said Madelyn Fernstrom, founding director of the University of Pittsburgh Weight Management Center. When it comes to obesity beliefs, she said, “We are spinning out of control.”

Steven N. Blair, an exercise and obesity researcher at the University of South Carolina said his own students believe many of the myths. “I like to challenge my students. Can you show me the data? Too often that doesn’t come into it.”

Dr. Allison sought to establish what is known to be unequivocally true about obesity and weight loss.

His first thought was that, of course, weighing oneself daily helped control weight. He checked for the conclusive studies he knew must exist. They did not.

“My goodness, after 50-plus years of studying obesity in earnest and all the public wringing of hands, why don’t we know this answer?” Dr. Allison asked. “What’s striking is how easy it would be to check. Take a couple of thousand people and randomly assign them to weigh themselves every day or not.”

Yet it has not been done.

Instead, people often rely on weak studies that get repeated ad infinitum. It is commonly thought, for example, that people who eat breakfast are thinner. But that notion is based on studies of people who happened to eat breakfast. Researchers then asked if they were fatter or thinner than people who happened not to eat breakfast — and found an association between eating breakfast and being thinner. But such studies can be misleading because the two groups might be different in other ways that cause the breakfast eaters to be thinner. But no one has randomly assigned people to eat breakfast or not, which could cinch the argument.

So, Dr. Allison asks, why do yet another study of the association between thinness and breakfast? “Yet, I can tell you that in the last two weeks I saw an association study of breakfast eating in Islamabad and another in Inner Mongolia and another in a country I never heard of.”

“Why are we doing these?” Dr. Allison asked. “All that time and effort is essentially wasted. The question is: ‘Is it a causal association?’” To get the answer, he added, “Do the clinical trial.”

He decided to do it himself, with university research funds. A few hundred people will be recruited and will be randomly assigned to one of three groups. Some will be told to eat breakfast every day, others to skip breakfast, and the third group will be given vague advice about whether to eat it or not.

As he delved into the obesity literature, Dr. Allison began to ask himself why some myths and misconceptions are so commonplace. Often, he decided, the beliefs reflected a “reasonableness bias.” The advice sounds so reasonable it must be true. For example, the idea that people do the best on weight-loss programs if they set reasonable goals sounds so sensible.

“We all want to be reasonable,” Dr. Allison said. But, he said, when he examined weight-loss studies he found no consistent association between the ambitiousness of the goal and how much weight was lost and how long it had stayed off. This myth, though, illustrates the tricky ground weight-loss programs have to navigate when advising dieters. The problem is that on average people do not lose much – 10 percent of their weight is typical – but setting 10 percent as a goal is not necessarily the best strategy. A very few lose a lot more and some people may be inspired by the thought of a really life-changing weight loss.

“If a patient says, ‘Do you think it is reasonable for me to lose 25 percent of my body weight,’ the honest answer is, ‘No. Not without surgery,’” Dr. Allison said. But, he said, “If a patient says, ‘My goal is to lose 25 percent of my body weight,’ I would say, ‘Go for it.’”

Yet all this negativism bothers people, Dr. Allison conceded. When he talks about his findings to scientists, they often say, “O.K., you’ve convinced us. But what can we do? We’ve got to do something.” He replies that scientists have an ethical duty to make clear what is established and what is speculation. And while it is fine to recommend things like bike paths or weighing yourself daily, scientists must make sure they preface their advice with the caveat that these things seem sensible but have not been proven.

Among the best established methods is weight-loss surgery, which, of course, is not right for most people. But surgeons have done careful studies to show that on average people lose substanial amounts of weight and their health improves, Dr. Allison said. For dieters, the best results occur with structured programs, like ones that supply complete meals or meal replacements.

In the meantime, Dr. Allison said, it is incumbent upon scientists to change their ways. “We need to do rigorous studies,” he said. “We need to stop doing association studies after an association has clearly been demonstrated.”

“I never said we have to wait for perfect knowledge,” Dr. Allison said. But, as John Lennon said, “Just give me some truth.”

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DealBook: Top Federal Prosecutor of Corporate Crime Resigns

1:42 p.m. | Updated with formal announcement

Lanny A. Breuer, the federal prosecutor who led the Justice Department’s response to corporate crime in the wake of the financial crisis, announced on Wednesday that he is stepping down after nearly four years in the post.

As head of the Justice Department’s criminal division, one of the most senior roles at the agency, Mr. Breuer tackled corporate bribery and public corruption. But it was his focus on Wall Street that received the most attention, from supporters and critics alike.

While he has come under fire for a dearth of prosecutions on Wall Street in response to the crisis, Mr. Breuer also oversaw an aggressive crackdown on money-laundering and interest-rate manipulation at some of the world’s biggest banks. In two weeks last month, he joined a nearly $2 billion case against HSBC for money-laundering and a $1.5 billion settlement with UBS for rate-rigging. Next week, he is expected to take a similar rate-rigging action against the Royal Bank of Scotland.

“I think the criminal division is a fundamentally different place than it was four years ago,” Mr. Breuer said in an interview on Tuesday. “It’s the highlight of my professional career.”

His departure, effective March 1, was widely expected. Mr. Breuer had told friends for weeks that he was ready to leave the public sector. While he has not announced his next step, it is expected that he will return to private practice. He was previously a partner at Covington & Burling, a white-shoe law firm.

By virtue of his perch at the Justice Department in Washington, Mr. Breuer became the face of Wall Street prosecutions in the aftermath of the financial crisis. But when few such cases materialized, critics like the Occupy Wall Street protesters turned on him, portraying him as an apologist for banks at the center of the mortgage mess.

In contrast, he drew praise for the sweeping crackdown on rate-rigging in the banking industry, which has largely involved international benchmark rates.

In a rate manipulation case last month, Mr. Breuer’s team secured a major payout from UBS and a guilty plea from the bank’s Japanese unit, making UBS the first big global bank in more than two decades to have a subsidiary plead guilty to fraud. Mr. Breuer, who announced the action after rejecting a last-minute plea from the bank’s chairman, also filed criminal charges against two former employees at the bank.

The deal sent a strong signal that the authorities wanted to hold banks responsible for their wrongdoing.

Following the UBS model, the Justice Department is now pursuing a guilty plea from a Royal Bank of Scotland subsidiary in Asia over its role in the interest rate manipulation scandal, people briefed on the matter said. That settlement, which could come as soon as next week, is likely to include more than $650 million in fines imposed by American and British authorities, two other people with direct knowledge of the matter said.

In an interview, Mr. Breuer said the rate-rigging case amounted to “egregious criminal conduct.” He struck a similar tone about two other major financial cases — the convictions of executives from Taylor, Bean & Whitaker, a now-defunct mortgage lender, and the 110-year prison term imposed on R. Allen Stanford for his Ponzi scheme.

Mr. Breuer has also focused on money-laundering, creating a task force in 2010 that has levied more than $3 billion in fines from banks, including the record fine against HSBC. He stopped short of indicting HSBC after some regulators warned that doing so could destabilize the global financial system.

Mr. Breuer argued that the charges he did not bring — for example, against Goldman Sachs and other banks suspected of fraud after selling toxic mortgage securities to investors — could not have been proved. It was not for a lack of trying, he said, noting that United States attorneys across the country, after reviewing the same evidence he did, also declined to act.

“It’s important for me to hold the financial institutions accountable,” he said. “There’s never been a time that a prosecutor said we should bring a securitization case and I said no.”

Under Mr. Breuer, the division has also increasingly used a 1977 law, the Foreign Corrupt Practices Act, to prosecute corporate bribery.

He also helped run the Justice Department’s investigation of the BP oil spill in the Gulf of Mexico, resulting in the company paying $4.5 billion in fines and other penalties and pleading guilty to 14 criminal charges related to the rig explosion in 2010.

In a statement, Attorney General Eric H. Holder Jr. praised Mr. Breuer. “Lanny has led one of the most successful and aggressive criminal divisions in the history of the Department of Justice,” he said.

Mr. Holder stood behind Mr. Breuer when questions arose about his involvement in the botched gun-trafficking case known as Operation Fast and Furious. The pair, who were both largely cleared after an inspector general investigation, worked together at Covington.

For years, Mr. Breuer moved in and out of government. The son of Holocaust survivors who fled Europe and settled in Queens, he landed at the Manhattan district attorney’s office after graduating from Columbia Law School. In between stints at Covington, he worked as a White House special counsel, defending President Bill Clinton amid federal investigations and impeachment proceedings.

In the interview on Tuesday, Mr. Breuer reflected on his unusual path to the Justice Department.

“The fact that I got to go from Elmhurst, Queens, to the criminal division is remarkable,” he said.

A version of this article appeared in print on 01/30/2013, on page B3 of the NewYork edition with the headline: Top Federal Prosecutor of Corporate Crime Will Resign.
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The Lede Blog: Under Attack, Cairo Hotel Tweets an S O S

Video of unidentified men streaming into the lobby of Cairo’s Semiramis InterContinental hotel was shown live on Egypt’s ONTV early on Tuesday.

Last Updated, 5:57 p.m. As our colleagues Kareem Fahim, David Kirkpatrick and Mayy El Sheikh report, the mayhem on Cairo’s streets briefly spilled into the lobby of one of the city’s luxury hotels, the Semiramis InterContinental, during intense clashes between riot police and protesters along the Nile Corniche overnight.

Images of a mob streaming into the hotel, shown live on Egyptian television and then posted online, raised fears of further damage to the country’s already battered tourist industry. Coming at the same time as violence in cities on the Suez Canal, this week’s unrest threatened two of the main pillars of the Egyptian economy.

Judging by a series of urgent pleas for help posted on the hotel’s Twitter feed, the raid came just after 2:30 a.m. local time.

Within an hour of sounding the alarm on the social network, the staff reported on Twitter that the security forces had arrived.

Guards at the hotel told Bel Trew of the Egyptian news site Ahram Online that phone calls to the police and the army initially went unheeded as about 40 men armed with shotguns, knives and a semiautomatic weapon broke into the shuttered lobby and started looting.

An Ahram Online journalist who witnessed the attack, Karim Hafez, said that protesters had stopped fighting with the police to help secure the hotel: “When they realized these groups were trying to loot the hotel, protesters shot fire crackers at them as they attacked the building and tried to push them away from the area but these groups were armed with birdshot bullets.”

This reported cooperation of the protesters with the police officers they have been battling for days on the street outside the hotel prompted bloggers like the British-Egyptian journalist Sarah Carr to comment on the black comedy of the situation.

Another Egyptian blogger, Mohammed Maree, reported on his @mar3e Twitter feed that a police captain on the scene confirmed to him that the protesters who were fighting with the security forces when the raid took place were not responsible for the storming of the hotel.

Mr. Maree also reported that witnesses to the raid said it began after four people drove up in a car with no license plates and fired shots to scare protesters away, before storming the hotel. He later posted a photograph of some of the hotel’s guests leaving under the protection of protesters.

Nabila Samak, a spokeswoman for the hotel who posted the calls for help on Twitter, told The Times that the staff members had called Egyptian television stations for help earlier in the evening, well before the attack, after appeals to the security forces for protection went unanswered.

Ms. Samak told Ahram Online that the staff worked to secure the hotel’s guests but were not equipped to cope with the effective collapse of the police force, since, “no guards of hotels in Egypt are armed.” Later she thanked protesters for coming to the aid of the hotel’s staff and guests.

A Saudi women who identified herself as a guest at the hotel, Hilda Ismail, posted updates and photographs from a shelter the guests were taken to during the incident on her Arabic-language Twitter feed.

In one message, she wrote: “If there is no Egyptian security, and if Morsi is sleeping, where are this country’s men!! Come get these dogs, the Semiramis Hotel is being ransacked and we are there.”

Later, Ms. Ismail uploaded a brief video clip of a man attempting to reassure guests that they were safe after the arrival of special forces officers from the ministry of the interior led by a Captain Moataz.

In the clip, the man tells the guests that the police captain wants “to assure you that the hotel is secured and it is under the control of the ministry of the interior now. Within no time you will go back to your rooms and already are in safe hands.” The police, the man added, “will make sure that such thugs will not enter the hotel again. We are sorry.”

Ms. Ismail also posted an image of the ransacked lobby on Twitter.

Ms. Ismai’s claim to have been a guest at the hotel was supported by the fact that she had uploaded a brief video clip, apparently shot from a high floor of the hotel, showing the fighting on the Nile Corniche below.

An unnamed hotel manager in Cairo told Al-Masry Al-Youm, an Egyptian newspaper, that “more than 45 clients insisted on leaving despite the hotel’s offer to relocate them to higher floors, away from the clashes.”

Ignace Bauwens, an executive with the luxury hotel chain, which was created in 1946 by Pan American World Airways, said in a statement e-mailed to The Lede: “The safety of our guests and colleagues is paramount and we have a responsibility to do everything we can to look after them. With the recent escalation of the situation near Tahrir Square we have decided to temporarily close the hotel for security reasons. Our guests have been relocated to other hotels further away from the demonstrations and we’re not taking any new bookings for the coming week.”

Late Tuesday, the staff posted another urgent plea for help on Twitter.

The latest message prompted some alarm, but, as the journalist and blogger Mosa’ab Elshamy observed, the hotel’s staff, like other Egyptians, appeared to be getting used to “the daily chaos.”

Kareem Fahim contributed reporting from Cairo.


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Survey shows strong consumer interest in BlackBerry 10, but few are willing to buy just yet






The good news for RIM (RIMM): Lots of people are interested in checking out its upcoming BlackBerry 10 platform. The bad news: Few are willing to commit to buying a BlackBerry 10 device at the moment. According to a new online survey of more than 1,100 Americans commissioned by mobile application specialist BiTE interactive and conducted by reputable pollster YouGov, 47% of Americans find “at least one of BlackBerry’s new features appealing,” although only around 13% say they’ll consider buying a BlackBerry 10 device.


[More from BGR: Apple’s 128GB iPad shows the world exactly what Apple does best]






[More from BGR: Apple unveils new 128GB iPad]


The survey found that the new Time Shift Camera, which lets users rapid-shoot multiple pictures of the same subject and then choose the best one from the bunch, was the most popular new BlackBerry feature, followed by BlackBerry 10′s new predictive keyboard. But as BiTE operations executive vice president Joseph Farrell notes, there’s a big difference between interest in new features and a commitment to spend money acquiring them. Farrell also thinks that RIM will still struggle to be relevant as long as app developers neglect BlackBerry in favor of iOS and Android.


RIM’s much anticipated BB10 launch is a major, and much needed overhaul for the one-time smartphone leader and all indications are that it has, at very least succeeded in convincing Americans to give BlackBerry a second look,” he says. “However, it is clear that while all the new features can catch the interest of Android and iOS owners, the key chink in RIM’s armor remains its apps ecosystem. RIM has made great efforts to catch up with iOS and Android in this regard, but it, like Microsoft, is likely to find this far easier said than done.”


BiTE’s full press release is posted below.



BlackBerry 10 Captures Attention of One in Two Americans


But only one in eight will actually consider buying a BB10 device


Los Angeles, January 29, 2013 – Ahead of the launch of Research in Motion’s long-anticipated BlackBerry 10 operating system and two new smartphones this week, nearly one in two Americans online (47 percent) finds at least one of BlackBerry’s new features appealing.


Despite interest in the new features only one in eight Americans (13 percent) will consider buying a BB10 device, and only one in 100 plans to get one immediately. The findings are according to a report from BiTE interactive, the native mobile application specialist for Fortune 1000 brands, which commissioned YouGov to poll the views of a representative sample of 1,127 American adults online.


Time Shift Camera wins most American hearts, especially with Android owners


RIM’s Time Shift Camera is the most compelling new BB10 feature for 16 percent of Americans. The Time Shift Camera takes multiple shots of a subject in a single picture and lets you choose the best composite image. 46 percent more women than men identify it as the most attractive new feature of BB10, while it is most appealing for one in five (21 percent) 18-34 year olds. The same age group is also the most likely to find one of the BlackBerry 10’s features appealing (66 percent). RIM’s new predictive keyboard feature is the most compelling new feature for only six percent of Americans while only one in 100 picked the new ‘flow’ interface.


The new BB10 features appeal to more Android (65 percent) than iPhone owners (56 percent).


“RIM’s much anticipated BB10 launch is a major, and much needed overhaul for the one-time smartphone leader and all indications are that it has, at very least succeeded in convincing Americans to give BlackBerry a second look,” said Joseph Farrell, EVP Operations, BiTE interactive. “However, it is clear that while all the new features can catch the interest of Android and iOS owners, the key chink in RIM’s armor remains its apps ecosystem. RIM has made great efforts to catch up with iOS and Android in this regard, but it, like Microsoft, is likely to find this far easier said than done. A lot of eyes will be on the new BlackBerry World from day one, as its success is pivotal to that of the BB10 devices as viable mainstream consumer handsets.”


iPhone owners least likely to jump to BlackBerry


According to BiTE interactive’s report, iPhone owners are the least likely to buy into BB10. Only around one in 10 (11 percent) have any interest in owning one of RIM’s new phones compared with around one in five (21 percent) Android owners. Overall, almost one in two (44 percent) Americans definitely will not get a BB10 device while a further one in four (27 percent) say they will likely not get one.


Joseph Farrell added, “RIM’s challenge is compounded by the fact that Google and Apple have already built up huge mobile user bases who, for the most part, have invested lots of time and money learning and using their platform of choice. To switch to any new platform, even between the two, means a new investment of time and resources that many do not wish to spend, let alone taking a perceived risk on the new BB10 platform, no matter how impressive some of the new technology is.”


Research methodology


BiTE interactive commissioned YouGov to poll the views of a representative sample of 1,127 US adults. Fieldwork was undertaken between January 23-25, 2013. The survey was carried out online. The figures have been weighted and are representative of all US adults (aged 18+).



This article was originally published on BGR.com


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Is flag football ahead for NFL?


NEW ORLEANS (AP) — Players on both Super Bowl teams say they are confused about when a hit is legal by NFL standards.


Rules designed to make the game safer are also making players uncertain about which hits are considered clean and which ones could lead to a fine.


San Francisco tight end Vernon Davis wondered if two-hand touch is in the future for the NFL.


"I think the rules will change a lot," he said Tuesday. "There's already no helmet to helmet. Might be flag football, maybe."


Baltimore Ravens safety Bernard Pollard, one of the league's hardest hitters, warned against trying to take collisions out of the game, as long as they are clean.


His 49ers counterpart, All-Pro Dashon Goldson, says defenders keep this in mind when they take the field:


"Do your best and then hope you don't get a letter (with a fine) in your locker on Wednesday," he said.


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Well: Ask Well: Squats for Aging Knees

You are already doing many things right, in terms of taking care of your aging knees. In particular, it sounds as if you are keeping your weight under control. Carrying extra pounds undoubtedly strains knees and contributes to pain and eventually arthritis.

You mention weight training, too, which is also valuable. Sturdy leg muscles, particularly those at the front and back of the thighs, stabilize the knee, says Joseph Hart, an assistant professor of kinesiology and certified athletic trainer at the University of Virginia, who often works with patients with knee pain.

An easy exercise to target those muscles is the squat. Although many of us have heard that squats harm knees, the exercise is actually “quite good for the knees, if you do the squats correctly,” Dr. Hart says. Simply stand with your legs shoulder-width apart and bend your legs until your thighs are almost, but not completely, parallel to the ground. Keep your upper body straight. Don’t bend forward, he says, since that movement can strain the knees. Try to complete 20 squats, using no weight at first. When that becomes easy, Dr. Hart suggests, hold a barbell with weights attached. Or simply clutch a full milk carton, which is my cheapskate’s squats routine.

Straight leg lifts are also useful for knee health. Sit on the floor with your back straight and one leg extended and the other bent toward your chest. In this position, lift the straight leg slightly off the ground and hold for 10 seconds. Repeat 10 to 20 times and then switch legs.

You can also find other exercises that target the knees in this video, “Increasing Knee Stability.”

Of course, before starting any exercise program, consult a physician, especially, Dr. Hart says, if your knees often ache, feel stiff or emit a strange, clicking noise, which could be symptoms of arthritis.

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Bucks Blog: When Good Drivers Pay More for Insurance Than Bad Ones

Some big insurance companies charge higher auto rates for lower-income drivers, even if the drivers have safe driving records, an analysis from the Consumer Federation of America finds.

The federation, a nonprofit comprising 250 consumer groups, has argued that insurers often give nondriving-related factors, like occupation and education, more weight than driving-related factors, and that such practices unfairly penalize lower- and moderate-income drivers. Occupation and education, the federation says, are proxies for income.

In its latest report, the federation obtained insurance quotes in 12 different cities from the public Web sites of five big auto insurers, using information for two hypothetical women. The insurers — State Farm, Allstate, Geico, Farmers and Progressive — represent more than half of the private auto insurance market, the federation said.

Both drivers shared certain characteristics: Each was 30 years old; had been a driver for 10 years; lived in a ZIP code with a median income of $50,000; owned and drove a 2002 Honda Civic; drove 7,500 miles per year; and carried the minimum auto liability insurance required by state law (minimums vary from state to state).

The first driver, however, was a single receptionist with a high school education who had a 45-day gap in her insurance coverage, but had never had an accident or moving violation. (Gaps in coverage often occur because drivers can’t afford their premiums, said Robert Hunter, the federation’s director of insurance and a former Texas state insurance commissioner.)

The second driver was a married executive with a master’s degree who owned a home, had continuous insurance coverage and one at-fault accident with $800 of damage in the last three years.

In two-thirds of the 60 quotes, the receptionist was quoted higher premiums, even though her driving record was clean. And in more than three-fifths of the cases, the premium quoted the receptionist exceeded the quote for the executive, who wasn’t as safe a driver, by at least 25 percent.

The federation argues that “largely uncontrollable” factors, like education and occupation, are often given greater weight in rate setting than actual losses.

Robert Passmore, senior director of personal lines for the Property Casualty Insurers Association of America, said in a telephone interview that it was reasonable to use such factors because “they are predictive of loss.”  Different insurers give different weights to different factors, he said, depending on what they saw as the best way to predict a given driver’s risk.

During a conference call with reporters, Mr. Hunter and Stephen Brobeck, the federation’s executive director, were asked why the analysis didn’t include smaller automobile insurers as well. They said it was because the analysis was time consuming and because the largest companies tend to offer the lowest rates, even though the federation still considered many of them to be unreasonably high for lower-income drivers.

The federation argues that the wide disparity in rates quoted, from company to company and market to market, suggests that the auto insurance market is not truly competitive, but the insurance industry rejects that position.

“Auto insurance provides important, cost-effective financial protection to millions of Americans, and most drivers have dozens of auto insurers constantly competing for their business,” said  Steven Weisbart, chief economist for the Insurance Information Institute, an industry group, in a prepared statement. “The price is risk-based and always will be.”

The federation’s analysis found that in every case, Geico and Progressive quoted the safe driver — the receptionist — a higher premium than the driver who had caused an accident. In several cases, companies refused to provide a quote to the “good” driver, but offered one to the executive.

“We work to price each driver’s policy as accurately as possible, so that every driver pays the appropriate amount based on his or her risk of having an accident,” said Jeff Sibel, a spokesman for Progressive, in an e-mail.  “We use multiple rating factors, which sometimes include nondriving factors that have been proven to be predictive of a person’s likelihood of being involved in a crash.”

Geico didn’t respond to an e-mail seeking comment.

State Farm, however, charged the receptionist (the good driver) less than the bad driver in all 12 cities. In addition, in all the markets, State Farm’s quotes were either the lowest or the second lowest.

That suggests, said Mr. Hunter, that State Farm gives less weight to nondriving factors than other companies. A State Farm representative declined to comment.

Mr. Hunter said states should insist that insurance companies make the factors used in setting their rates transparent, so consumers know how their applications for coverage were being considered.

Do you think factors like education and occupation should be used to set auto insurance rates?

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Yemen Seizes Boat Suspected of Smuggling Iranian Arms





WASHINGTON – Authorities in Yemen have seized a boat in their territorial waters filled with a large quantity of explosives, weapons and money, according to American officials briefed on the interdiction. The officials said there were indications that Iran was smuggling the military contraband to insurgents inside Yemen, although they declined to provide details.




Yemeni security forces halted and searched the 130-foot dhow last Tuesday, and found the weapons in three large cargo rooms in the hold, according to reports on the mission reaching Washington. There was American support for the interdiction, officials said.


A full inventory of the arms cache has not been disclosed. Two senior American officials cited reports from Yemen saying the weapons included shoulder-launched missiles designed for shooting down aircraft.


If the weapons turn out to be the Iranian-made Misagh-2 as cited in the reports from Yemen, it would reflect a significant increase in lethality for the insurgents. A large amount of C-4 explosives also was on board, the officials said, as well as rocket-propelled grenades and 122-milimeter rockets.


It was not possible to independently verify the details of the mission, the type of cargo seized or the exact intelligence said to link the explosives, arms and money to Iran. Yemen has not revealed the seizure, although a public statement was expected in the coming days.


Yemen is already awash with small arms and explosives acquired over years of war and insurgency, much of it brought in from a number of foreign sources through its poorly controlled ports. There has been little effort to regulate the supply – one governor of a northern province is also a major arms dealer – and insurgents have often raided the stores of Yemen’s corrupt and divided military. Many of Yemen’s unruly tribes command powerful arsenals.


The United States has a publicly acknowledged security assistance effort under way with Yemen. At the same time, the American military and the C.I.A. are engaged in a clandestine program of using drones to strike militants associated with a terrorist organization, Al Qaeda in the Arabian Peninsula, based in Yemen. With the United States and Saudi Arabia providing both public and secret security assistance there, and with Iran also said to be arming militant forces, Yemen has become the battlefield for a major proxy war by outside powers.


American officials said the weapons on board were made in Iran, and that the pattern of shipment aboard the boat matched past instances of suspected Iranian smuggling into Yemen. Officials described the smuggling as part of a plan by Iran to increase its political outreach to rebels and other political figures in Yemen. To identify with greater certainty the source of the seized weapons, the boat’s navigation instruments will most likely be examined to determine its origin and route, and the crew will be questioned.


For years, Yemen has accused Iran of supporting the Houthi rebels, who fought an intermittent guerrilla war against the Yemeni government from 2004 to 2010. Those accusations – including claims of intercepted weapons shipments – often lacked evidence and, up until about a year ago, routinely were dismissed as propaganda.


But after the uprising in Yemen in 2011, the Houthi movement expanded from its base in the northwest — now a de facto Houthi statelet — across the country. It has benefited from widespread dissatisfaction with both Yemen’s government and the local equivalent of the Muslim Brotherhood, known as Islah.


By last spring, American military and intelligence officials described what they viewed as a widening effort to extend Iranian influence across the greater Middle East.


Iranian smugglers backed by the Quds Force, an elite international operations unit within Iran’s Islamic Revolutionary Guards Corps, had begun shipping AK-47s, rocket-propelled grenades and other arms to replace older weapons used by the rebels, American officials said early last year.


Thom Shanker reported from Washington, and Robert F. Worth from Sana, Yemen. Mark Mazzetti contributed reporting from Washington.



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TSX little changed, RIM positioning offsets banks






TORONTO (Reuters) – Canada‘s main stock index finished little changed on Monday, as gains in the financial group were partially offset by Research In Motion Ltd shares, which sagged ahead of its critical BlackBerry 10 launch this week.


The Toronto Stock Exchange‘s S&P/TSX composite index <.gsptse> was down 0.72 of a point at 12,815.91. Half of the index’s 10 key sectors climbed higher.</.gsptse>






(Reporting by Solarina Ho)


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Who are these guys at QB in Super Bowl?


NEW ORLEANS (AP) — No Tom Brady. No Aaron Rodgers. No Ben Roethlisberger. Not a Manning in sight.


Super Bowl has a pair of fresh faces at quarterback, bona fide nobodies as far as the NFL title game goes. But one will leave New Orleans as football's newest star.


For Colin Kaepernick and Joe Flacco, this is new territory. And, of course, exactly where they want to be.


Flacco, the only quarterback to win a playoff game in each of his first five NFL seasons, will lead the AFC champion Baltimore Ravens into Sunday's matchup against the NFC-winning San Francisco 49ers and Kaepernick, a backup for most of his two seasons.


It's the first time in more than a decade that the big game doesn't feature one of the big five household names in the glamour position.


You can't get much fresher than quarterbacks who never have gotten this far before.


"At the start of the season, I was just hoping to get on the field some way, somehow," said Kaepernick, the backup for Alex Smith, who took the 49ers to the conference final last season.


He got that chance after Smith sustained a concussion on Nov. 11, and hasn't seen the bench since.


Win this one and he'll have a piece of history, joining a heady quarterback club that includes Hall of Famers Joe Montana and Steve Young, who guided the 49ers to five NFL titles — a victory every time they played. No. 6 would tie the team with Roethlisberger's Pittsburgh Steelers — a record for most Super Bowl wins.


A second-round draft pick in 2011 out of Nevada — not exactly Alabama — Kaepernick has the shortest pro resume of any Super Bowl quarterback. It's impressive, nonetheless. His legs (181 yards rushing against Green Bay, a record for the position) and his arm (105.9 passer rating in the postseason) are the main reasons San Francisco is in its first NFL title game in 18 years.


"Anybody that is out there on the football field, you want to see them produce and get results," left tackle Joe Staley said. "With Colin, his first couple of starts, you did not know what to expect because we had not seen him out there as a starting quarterback. He did amazing and he has all season, as well as the playoffs. I think it was one of those things where we saw him in practice and we just wanted to see how he was going to handle the situation in the games. He has done that."


Still, he's new to this environment and that hardly seems to faze Kaepernick.


"One thing I've always said about him from the start is he comes off as a guy that has a lot of confidence," said center Jonathan Goodwin, who won a Super Bowl snapping for Drew Brees and the Saints three years ago. "I'm not just saying that. You can feel it by the way he acts and talks."


Flacco has that air of certainty, too, but at least it's built on a more substantial foundation, including an 8-4 mark in the playoffs, with six road wins — the most for any quarterback, Montana and Young included. That goes for Baltimore's John Unitas, too.


Nobody is comparing Flacco to them just yet, except for the self-belief he brings to the job.


"There are a lot of different ways to lead, and the bottom line is it's about motivating your players to get the best out of them, and having belief that you can go do it in any situation," Flacco said last week.


"You've got to do it your own way. And I think, naturally, as you get more comfortable with people and people understand you more, and you become more confident in them, and they become more confident in you, you become more vocal as time goes on."


And you become a Super Bowl quarterback.


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