Well: Straining to Hear and Fend Off Dementia

At a party the other night, a fund-raiser for a literary magazine, I found myself in conversation with a well-known author whose work I greatly admire. I use the term “conversation” loosely. I couldn’t hear a word he said. But worse, the effort I was making to hear was using up so much brain power that I completely forgot the titles of his books.

A senior moment? Maybe. (I’m 65.) But for me, it’s complicated by the fact that I have severe hearing loss, only somewhat eased by a hearing aid and cochlear implant.

Dr. Frank Lin, an otolaryngologist and epidemiologist at Johns Hopkins School of Medicine, describes this phenomenon as “cognitive load.” Cognitive overload is the way it feels. Essentially, the brain is so preoccupied with translating the sounds into words that it seems to have no processing power left to search through the storerooms of memory for a response.


Katherine Bouton speaks about her own experience with hearing loss.


A transcript of this interview can be found here.


Over the past few years, Dr. Lin has delivered unwelcome news to those of us with hearing loss. His work looks “at the interface of hearing loss, gerontology and public health,” as he writes on his Web site. The most significant issue is the relation between hearing loss and dementia.

In a 2011 paper in The Archives of Neurology, Dr. Lin and colleagues found a strong association between the two. The researchers looked at 639 subjects, ranging in age at the beginning of the study from 36 to 90 (with the majority between 60 and 80). The subjects were part of the Baltimore Longitudinal Study of Aging. None had cognitive impairment at the beginning of the study, which followed subjects for 18 years; some had hearing loss.

“Compared to individuals with normal hearing, those individuals with a mild, moderate, and severe hearing loss, respectively, had a 2-, 3- and 5-fold increased risk of developing dementia over the course of the study,” Dr. Lin wrote in an e-mail summarizing the results. The worse the hearing loss, the greater the risk of developing dementia. The correlation remained true even when age, diabetes and hypertension — other conditions associated with dementia — were ruled out.

In an interview, Dr. Lin discussed some possible explanations for the association. The first is social isolation, which may come with hearing loss, a known risk factor for dementia. Another possibility is cognitive load, and a third is some pathological process that causes both hearing loss and dementia.

In a study last month, Dr. Lin and colleagues looked at 1,984 older adults beginning in 1997-8, again using a well-established database. Their findings reinforced those of the 2011 study, but also found that those with hearing loss had a “30 to 40 percent faster rate of loss of thinking and memory abilities” over a six-year period compared with people with normal hearing. Again, the worse the hearing loss, the worse the rate of cognitive decline.

Both studies also found, somewhat surprisingly, that hearing aids were “not significantly associated with lower risk” for cognitive impairment. But self-reporting of hearing-aid use is unreliable, and Dr. Lin’s next study will focus specifically on the way hearing aids are used: for how long, how frequently, how well they have been fitted, what kind of counseling the user received, what other technologies they used to supplement hearing-aid use.

What about the notion of a common pathological process? In a recent paper in the journal Neurology, John Gallacher and colleagues at Cardiff University suggested the possibility of a genetic or environmental factor that could be causing both hearing loss and dementia — and perhaps not in that order. In a phenomenon called reverse causation, a degenerative pathology that leads to early dementia might prove to be a cause of hearing loss.

The work of John T. Cacioppo, director of the Social Neuroscience Laboratory at the University of Chicago, also offers a clue to a pathological link. His multidisciplinary studies on isolation have shown that perceived isolation, or loneliness, is “a more important predictor of a variety of adverse health outcomes than is objective social isolation.” Those with hearing loss, who may sit through a dinner party and not hear a word, frequently experience perceived isolation.

Other research, including the Framingham Heart Study, has found an association between hearing loss and another unexpected condition: cardiovascular disease. Again, the evidence suggests a common pathological cause. Dr. David R. Friedland, a professor of otolaryngology at the Medical College of Wisconsin in Milwaukee, hypothesized in a 2009 paper delivered at a conference that low-frequency loss could be an early indication that a patient has vascular problems: the inner ear is “so sensitive to blood flow” that any vascular abnormalities “could be noted earlier here than in other parts of the body.”

A common pathological cause might help explain why hearing aids do not seem to reduce the risk of dementia. But those of us with hearing loss hope that is not the case; common sense suggests that if you don’t have to work so hard to hear, you have greater cognitive power to listen and understand — and remember. And the sense of perceived isolation, another risk for dementia, is reduced.

A critical factor may be the way hearing aids are used. A user must practice to maximize their effectiveness and they may need reprogramming by an audiologist. Additional assistive technologies like looping and FM systems may also be required. And people with progressive hearing loss may need new aids every few years.

Increasingly, people buy hearing aids online or from big-box stores like Costco, making it hard for the user to follow up. In the first year I had hearing aids, I saw my audiologist initially every two weeks for reprocessing and then every three months.

In one study, Dr. Lin and his colleague Wade Chien found that only one in seven adults who could benefit from hearing aids used them. One deterrent is cost ($2,000 to $6,000 per ear), seldom covered by insurance. Another is the stigma of old age.

Hearing loss is a natural part of aging. But for most people with hearing loss, according to the National Institute on Deafness and Other Communication Disorders, the condition begins long before they get old. Almost two-thirds of men with hearing loss began to lose their hearing before age 44. My hearing loss began when I was 30.

Forty-eight million Americans suffer from some degree of hearing loss. If it can be proved in a clinical trial that hearing aids help delay or offset dementia, the benefits would be immeasurable.

“Could we do something to reduce cognitive decline and delay the onset of dementia?” he asked. “It’s hugely important, because by 2050, 1 in 30 Americans will have dementia.

“If we could delay the onset by even one year, the prevalence of dementia drops by 15 percent down the road. You’re talking about billions of dollars in health care savings.”

Should studies establish definitively that correcting hearing loss decreases the potential for early-onset dementia, we might finally overcome the stigma of hearing loss. Get your hearing tested, get it corrected, and enjoy a longer cognitively active life. Establishing the dangers of uncorrected hearing might even convince private insurers and Medicare that covering the cost of hearing aids is a small price to pay to offset the cost of dementia.



Katherine Bouton is the author of the new book, “Shouting Won’t Help: Why I — and 50 Million Other Americans — Can’t Hear You,” from which this essay is adapted.


This post has been revised to reflect the following correction:

Correction: February 12, 2013

An earlier version of this article misstated the location of the Medical College of Wisconsin. It is in Milwaukee, not Madison.

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Media Decoder Blog: Netflix Teams With DreamWorks Animation to Create Cartoon Series

LOS ANGELES — Continuing a campaign to deepen its appeal to children, Netflix on Tuesday announced a partnership with DreamWorks Animation to create an original cartoon series.

The show, expected to make its debut on the streaming service in December, will be based on DreamWorks Animation’s coming movie “Turbo,” about a snail who gains the power of superspeed. The Netflix spinoff will be called “Turbo: F.A.S.T.,” which stands for Fast Action Stunt Team.

Netflix is gambling that “Turbo” will be a hit when it arrives in theaters on July 19. Although DreamWorks Animation has high hopes for that movie, it’s still anyone’s guess how audiences will respond; the company’s last film, “Rise of the Guardians,” was a box-office disappointment.

Ted Sarandos, Netflix’s chief content officer, said in a statement that DreamWorks Animation had “a long track record of creating incredibly successful characters.” DreamWorks Animation’s chief executive, Jeffrey Katzenberg, never shy about making a hard sell, called the partnership “part of the television revolution.”

A rival streaming service, Amazon’s Prime Instant Video, is racing to prepare its own original series, and has five children’s shows in development.

Netflix, which recently introduced the original series “House of Cards” to strong reviews from critics, has been working over the last several years to enhance its offerings for children. In 2011, it acquired the streaming rights to DreamWorks Animation’s movies and television specials. New films from Disney, Pixar and Marvel will move from Starz to Netflix in late 2016, following a deal the streaming company made with the Walt Disney Company in December.

Netflix said its members streamed more than two billion hours of children’s content in 2012, taking care to note that it is “always commercial free.” Netflix is also trying to enhance its appeal with multiple audience niches. A new horror series called “Hemlock Grove” is on the way, for instance. “Orange Is the New Black,” an original comedic drama from the “Weeds” creator Jenji Kohan, is aimed at women.

Children’s programming is particularly important to the company’s growth plans. Children are avid streaming consumers, particularly overseas, and Netflix can pitch itself to parents as a commercial-free alternative to television. Cartoons are also less likely to appear on the pirated-content sites that compete with Netflix for viewers.

For DreamWorks Animation, the agreement is part of an effort to diversify into television both as a way to grow and to avoid the sharp ups and downs of the movie business. The company’s shares rose 2.91 percent on Tuesday, to $16.63.

The company has two shows on Nickelodeon that are spinoffs of its “Madagascar” and “Kung Fu Panda” films; a third series built around “Monsters vs. Aliens” is in the works. DreamWorks Animation also has a series built around the film “How to Train Your Dragon” on the Cartoon Network, as well as a growing number of holiday-themed television specials.

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Middle-Class Afghans Face a Murky Future


Bryan Denton for The New York Times


Haji Safiullah, right, attends to a customer at his pharmacy along the Kabul River. He is part of a new generation of Afghans that has succeeded in the private sector.







KABUL, Afghanistan — The landmarks of this capital city’s new middle class light up a once-restrained night sky — vast and glittering wedding halls with aspirational names like “Kabul-Paris,” streetlamp networks, come-hither billboards for energy drinks.




After the ouster of the Taliban in 2001, thousands of Afghan families returned from abroad, or came in from the countryside, to construct urban and increasingly Westernized lives. They built homes and careers based on an influx of foreign money, expanded bureaucracies and new educational opportunities.


And they are the ones most haunted by the fear that it could all just be a bubble, doomed to pop once foreign money and Western militaries stop holding it up.


“We are enjoying life,” said Rasool Mohibzada, 31, a former taxi driver who sold chickpeas and balloons in Pakistan during the Taliban years, but after returning to Kabul won a job as an I.T. manager for the British Council, the cultural relations agency of the British government.


Sitting in the large house he built on a $95,000 plot of land in airy western Kabul and playing with his 5-year-old daughter, he is a member of a young Afghan generation whose eyes burn with modest aspiration for what would be by outside standards an ordinary life — access to electricity, schools for his son and daughter, rule of law, security.


“But I am quite afraid about the future at the moment,” he said, shaking his head. “If I got the chance, I would go now.”


Though all of Afghanistan’s major cities have grown and changed, the biggest differences, by far, can be seen in Kabul. Its population has exploded, now more than 5 million compared with 1.2 million in 2001, and its streets, planned for 30,000 cars, are clogged with 650,000, according to the mayor, Mohammad Yunus Nawandish. He is drawing up an expanded city plan that can accommodate up to 8 million residents.


The new urban elite makes up only a tiny slice of Afghan life — most of the newcomers to Kabul are impoverished migrants who now occupy terraces of rough mud houses that have splashed up onto the rocky hillsides surrounding the city.


And the norm is still grinding poverty for about 70 percent of Afghans, who live in the countryside, or about 25 million people by some estimates. Taken as a whole, life expectancy for Afghans is still just 48 years, and the average annual national income per capita is about $410. That makes the contrast with the markers of the middle class all the more striking: in Kabul, there are beauty parlors, a bowling alley, new television stations, access to health care (although Afghans must travel abroad for serious treatment), restaurants like Afghan Fried Chicken and children’s birthday parties hosted at nice hotels.


At the private American University, privileged young adults — some of them the offspring of top officials and businessmen who have minted fortunes in the war economy — stride the five-acre campus, paying up to $6,000 a year for degrees in law and other subjects.


Some in the new generation have succeeded in the private sector, like Haji Safiullah, 42, a serious, thin-faced man, who owns three pharmacies and is branching out into construction, building apartment blocks in Kabul, Jalalabad and Mazar-i-Sharif.


“I am one of the people who have invested more than $1 million in different businesses,” Mr. Safiullah said.


Even as the United States is deliberating how large a force, if any, will stay in Afghanistan past the 2014 end of the international combat mission, Mr. Safiullah holds to the belief that the Americans will not leave Afghanistan altogether for many years. All the same, he is clear about the shape catastrophe will take if the world averts its gaze: a deterioration of security and an economic collapse.


“To tell you the truth, I am not that worried about the future because the international community has invested a lot in Afghanistan,” he said. “They will not let this investment fail.”


However, he keeps a Kalashnikov rifle beneath his counter just in case.


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Indiana stays at No. 1 in AP Top 25 despite loss


Indiana coach Tom Crean used an analogy to the state's second favorite sport after the Hoosiers remained No. 1 in The Associated Press' Top 25 for a second straight week.


It had been over a month since a team managed to stay on top, and Indiana broke that trend despite losing a game last week, leading Crean to bring up auto racing.


"I had a good friend tell me that in-season rankings are the barometer of representing what lane you're in and the direction and how far you are moving towards your goals," Crean said Monday. "We want to stay in the left lane and keep working on our team and pace because we know there are quite a few others in the left lane as well."


The Hoosiers (21-3) lost to Illinois on a last-second basket Thursday but rebounded with a win at then-No.10 Ohio State on Sunday. In a week when four of the top five teams and six of the top 10 lost, it was enough to keep the No. 1 ranking.


"They were really disappointed on Thursday night. And instead of carrying that disappointment into a 'woe is me' mentality, they really did trigger how to get better. And I think it was in the sense of closing games," Crean said.


"I think there was a different level, a sense of urgency because of the way we didn't finish it off, combined with the fact that we knew we were playing a team that it is outstanding."


This ends a stretch of five consecutive weeks with a new No. 1, two weeks short of the longest such stretch in 1993-94. Duke started the run followed by Louisville, Duke again, Michigan and Indiana.


The Hoosiers received 26 first-place votes from the 65-member national media panel Monday, while Duke, the only member of the top five not to lose last week, moved up two spots to second after getting 20 first-place votes.


The last time a No. 1 team lost and kept the ranking the next week was the final poll of last season. Kentucky fell to Vanderbilt in the Southeastern Conference tournament championship game, but Nos. 2-4 also went down that week, so the Wildcats were No. 1 heading into the NCAA tournament.


Miami, which received 17 No. 1 votes, jumped from eighth to No. 3, the Hurricanes' highest ranking ever.


"I've never really thought that Miami could be a top 10 program," center Reggie Johnson said. "I didn't think we'd be here in February. It's surreal. The votes are cool, but we've still got work to do."


The Hurricanes are the last team from a major conference to still be unbeaten in league play.


"It's what every program strives for," coach Jim Larranaga said. "Carolina and Duke have this every year. It's a little different for us. These guys are hungry. They remain very, very humble."


Michigan dropped one spot to fourth, while Gonzaga, which got the other two first-place votes, moved up one spot to fifth.


Syracuse was sixth, followed by Florida, Michigan State, Arizona and Kansas State.


Along with Indiana and Ohio State, the other top 10 teams to lose last week were No. 2 Florida, No. 3 Michigan, No. 5 Kansas and No. 7 Arizona.


There were four newcomers to the rankings: No. 20 Wisconsin, No. 22 Memphis, No. 24 Colorado State and No. 25 Kentucky.


Wisconsin, Memphis and Kentucky, the defending national champion, were all ranked early in the season, while Colorado State makes it first appearance in the poll since March 9, 1954.


They replace Creighton, Cincinnati, Minnesota and Missouri, the only one of the four not to lose two games last week.


In all, 14 ranked teams lost at least once, with five losing twice.


___


AP Sports Writer Steve Wine in Miami contributed to this report.


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Personal Health: Getting the Right Addiction Treatment

“Treatment is not a prerequisite to surviving addiction.” This bold statement opens the treatment chapter in a helpful new book, “Now What? An Insider’s Guide to Addiction and Recovery,” by William Cope Moyers, a man who nonetheless needed “four intense treatment experiences over five years” before he broke free of alcohol and drugs.

As the son of Judith and Bill Moyers, successful parents who watched helplessly during a 15-year pursuit of oblivion through alcohol and drugs, William Moyers said his near-fatal battle with addiction demonstrates that this “illness of the mind, body and spirit” has no respect for status or opportunity.

“My parents raised me to become anything I wanted, but when it came to this chronic incurable illness, I couldn’t get on top of it by myself,” he said in an interview.

He finally emerged from his drug-induced nadir when he gave up “trying to do it my way” and instead listened to professional therapists and assumed responsibility for his behavior. For the last “18 years and four months, one day at a time,” he said, he has lived drug-free.

“Treatment is not the end, it’s the beginning,” he said. “My problem was not drinking or drugs. My problem was learning how to live life without drinking or drugs.”

Mr. Moyers acknowledges that treatment is not a magic bullet. Even after a monthlong stay at a highly reputable treatment center like Hazelden in Center City, Minn., where Mr. Moyers is a vice president of public affairs and community relations, the probability of remaining sober and clean a year later is only about 55 percent. (Hazelden also published his book.)

“Be wary of any program that claims a 100 percent success rate,” Mr. Moyers warned. “There is no such thing.”

“Treatment works to make recovery possible. But recovery is also possible without treatment,” Mr. Moyers said. “There’s no one-size-fits-all approach. What I needed and what worked for me isn’t necessarily what you or your loved one require.”

As with many smokers who must make multiple attempts to quit before finally overcoming an addiction to nicotine, people hooked on alcohol or drugs often must try and try again.

Nor does treatment have as good a chance at succeeding if it is forced upon a person who is not ready to recover. “Treatment does work, but only if the person wants it to,” Mr. Moyers said.

Routes to Success

For those who need a structured program, Mr. Moyers described what to consider to maximize the chances of overcoming addiction to alcohol or drugs.

Most important is to get a thorough assessment before deciding where to go for help. Do you or your loved one meet the criteria for substance dependence? Are there “co-occurring mental illnesses, traumatic or physical disabilities, socioeconomic influences, cultural issues, or family dynamics” that may be complicating the addiction and that can sabotage treatment success?

While most reputable treatment centers do a full assessment before admitting someone, it is important to know if the center or clinic provides the services of professionals who can address any underlying issues revealed by the assessment. For example, if needed, is a psychiatrist or other medical doctor available who could provide therapy and prescribe medication?

Is there a social worker on staff to address challenging family, occupational or other living problems? If a recovering addict goes home to the same problems that precipitated the dependence on alcohol or drugs, the chances of remaining sober or drug-free are greatly reduced.

Is there a program for family members who can participate with the addict in learning the essentials of recovery and how to prepare for the return home once treatment ends?

Finally, does the program offer aftercare and follow-up services? Addiction is now recognized to be a chronic illness that lurks indefinitely within an addict in recovery. As with other chronic ailments, like diabetes or hypertension, lasting control requires hard work and diligence. One slip need not result in a return to abuse, and a good program will help addicts who have completed treatment cope effectively with future challenges to their recovery.

How Families Can Help

“Addiction is a family illness,” Mr. Moyers wrote. Families suffer when someone they love descends into the purgatory of addiction. But contrary to the belief that families should cut off contact with addicts and allow them to reach “rock-bottom” before they can begin recovery, Mr. Moyers said that the bottom is sometimes death.

“It is a dangerous, though popular, misconception that a sick addict can only quit using and start to get well when he ‘hits bottom,’ that is, reaches a point at which he is desperate enough to willingly accept help,” Mr. Moyers wrote.

Rather, he urged families to remain engaged, to keep open the lines of communication and regularly remind the addict of their love and willingness to help if and when help is wanted. But, he added, families must also set firm boundaries — no money, no car, nothing that can be quickly converted into the substance of abuse.

Whether or not the addict ever gets well, Mr. Moyers said, “families have to take care of themselves. They can’t let the addict walk over their lives.”

Sometimes families or friends of an addict decide to do an intervention, confronting the addict with what they see happening and urging the person to seek help, often providing possible therapeutic contacts.

“An intervention can be the key that interrupts the process and enables the addict to recognize the extent of their illness and the need to take responsibility for their behavior,”Mr. Moyers said.

But for an intervention to work, Mr. Moyers said, “the sick person should not be belittled or demeaned.” He also cautioned families to “avoid threats.” He noted that the mind of “the desperate, fearful addict” is subsumed by drugs and alcohol that strip it of logic, empathy and understanding. It “can’t process your threat any better than it can a tearful, emotional plea.”

Resource Network

Mr. Moyer’s book lists nearly two dozen sources of help for addicts and their families. Among them:

Alcoholics Anonymous World Services www.aa.org;

Narcotics Anonymous World Services www.na.org;

Substance Abuse and Mental Health Services Administration treatment finder www.samhsa.gov/treatment/;

Al-Anon Family Groups www.Al-anon.alateen.org;

Nar-Anon Family Groups www.nar-anon.org;

Co-Dependents Anonymous World Fellowship www.coda.org.


This is the second of two articles on addiction treatment. The first can be found at “Effective Addiction Treatment.”

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DealBook: R.B.S. Executives Testify in Rate-Rigging Case

LONDON — British politicians took aim at the Royal Bank of Scotland for its role in a rate-rigging scheme, accusing management of fostering a profit-driven culture that encouraged traders to skirt the law.

In nearly four hours of testimony to Parliament’s commission on banking standards, current and former bank executives faced questions over management missteps, deficient controls and the broader environment that prompted employees to report false rates. The senior executives acknowledged that they missed the problems, as they focused on reviving the bank after the financial crisis.

“The behavior was the disgraceful failure of individuals,” Stephen Hester, the bank’s chief executive, said during the hearing. “We were slow to recognize that behavior and catch it.”

The Royal Bank of Scotland is dealing with the fallout from the global investigation into rate manipulation, which has ensnared more than a dozen banks.

Last week, the financial firm agreed to pay a $612 million fine to settle accusations by American and British regulators that traders influenced major benchmark interest rates to bolster profit. As part of the settlement, the Justice Department forced the firm’s Japanese unit to plead guilty to felony wire fraud.

While the settlement follows similar deals with Barclays and UBS, the case against the Royal Bank of Scotland has also proved to be politically sensitive. The bank is 82 percent owned by British taxpayers after receiving a multibillion-dollar bailout during the financial crisis.

“There would be enormous anger if U.K. taxpayers pick up the tab for the individual sins of traders who were trying to rig Libor rates,” said Pat McFadden, a Labour politician who sits on the parliamentary commission.

The case centers on the major benchmark rates like the London interbank offered rate, or Libor. Such rates underpin trillions of dollars of financial products like corporate loans and mortgages.

Libor Explained

In the settlement, British and American authorities detailed an effort to manipulate the rate-setting process, a five-year scheme that involved multiple currencies and countries. They claimed that the bank “aided and abetted” other financial firms, including UBS. According to regulatory filings, the Royal Bank of Scotland failed to monitor the submissions of benchmark rates, and employees continued to report false rates even after authorities began to investigate the wrongdoing.

“It has brought shame against the bank,” Rory Phillips, a lawyer working behalf of the commission, said at the hearing. “There’s been a loss of trust and confidence on behalf of the public.”

Senior executives said in testimony that Libor was not a major focus for the Royal Bank of Scotland, which almost collapsed in 2008 after an ill-advised deal to buy the Dutch financial giant ABN Amro.

“When we took control of the bank, it had had a cardiac arrest,” said John Hourican, the former head of the investment banking division, who resigned last week. “We had to prioritize dealing with the existential threat to the bank.”

After the subsequent bailout by the British government, senior managers focused on reviving the bank by selling off assets, reducing its work force and curbing exposure to risky trading activity. Mr. Hourican indicated that the bank’s operations had become stretched across too many countries and business units.

“The bank was doing too many things in too many countries with too little capital,” Mr. Hourican said.

At the same time, executives said they underestimated the potential for rate-rigging.

“I was not aware that derivatives traders were making these requests,” Peter Nielsen, Mr. Hourican’s deputy, told British politicians. “We had very serious issues. Senior management felt that it was a mathematical impossibility to alter the rates.”

British politicians demanded to know why Mr. Nielsen had not lost his job. When the manipulation occurred, Mr. Nielsen served as the global head of rates. Mr. Nielsen, who is now co-head of firm’s investment banking operations, said he had discussed resigning with Mr. Hourican, but decided to stay on.

Lawmakers repeatedly asked executives why the British bank did not have appropriate controls in place to catch the wrongdoing.

In 2011, the Royal Bank of Scotland told regulators in a letter that systems had been created to monitor Libor submissions. But American and British authorities discovered in their investigations that these controls had not been established, according to the recent settlement. Authorities said the firm did not deliberately mislead regulators.

“At the very least, there was a wholesale failure of systems and controls of the rate process,” said Mr. Phillips, the lawyer. “Somebody in management more senior in the structure should have known what was going on and put a stop to it.”

Facing political scrutiny, the Royal Bank of Scotland has moved to revamp its practices and overhaul its compliance.

The British bank said last week that it would claw bank past, current and future bankers’ bonuses totaling around $470 million to pay the Libor settlement. Mr. Hourican is forgoing past and current bonuses totaling around $14 million in response to the scandal.

A majority of the money will be used to pay the fines levied by American regulators. Because the Royal Bank of Scotland is majority-owned by British taxpayers, the penalty from the Financial Services Authorities, the British regulator, will be recycled back into the government’s coffers.

The bank has also fired six employees for their role in the rate-rigging scheme, while another individual was dismissed for an unrelated matter. Eight other people left the bank before the manipulation was discovered, and six employees have been disciplined but remain at the firm.

The bank “shouldn’t waste my death,” Mr. Hourican told lawmakers, referring to his resignation. “We must send a cultural shudder down our organization’s spine.”

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3 North Korean Doctors Are Killed in Nigeria





POTISKUM, Nigeria (AP) — Assailants in northeastern Nigeria have killed three North Korean doctors, beheading one of them, officials said Sunday.




The attack on Saturday night in Potiskum, a town in Yobe State, comes after gunmen killed at least nine women who were administering polio vaccines in Kano, the major city in Nigeria’s predominantly Muslim north.


The assailants apparently killed the North Korean doctors inside their home, said Dr. Mohammed Mamman, chairman of the Hospital Managing Board of Yobe State.


The North Korean doctors had no security guards at their residence and typically traveled around the city without a police escort, officials said.


All three bodies had what appeared to be machete wounds.


Two of the men had their throats slit. The assailants beheaded the other doctor.


The doctors lived in a quiet neighborhood in the town. There was no room to house them at the hospital, where they would have had some protection, Dr. Mamman said.


Initially, doctors at the hospital who worked with the three men identified them as being from South Korea, while the police said they were from China.


But Dr. Mamman said that the three men were from North Korea and had lived in the state since 2005 as part of a medical program between Yobe State and the North Korean government.


More than a dozen other North Korean doctors work in the state under the program, which also includes engineers, Dr. Mamman said.


He said all the North Koreans would receive immediate protection from the security forces.


“It is very unfortunate,” he said of the killings.


The Yobe State police commissioner, Sanusi Rufai, confirmed that the attack took place and said that officers had begun an investigation.


Mr. Rufai said the police had already arrested 10 people, though the police in Nigeria routinely round up those living around the site of a crime, whether or not there is any evidence suggesting their complicity.


North Korea’s official Korean Central News Agency did not immediately report the three doctors’ deaths on Sunday.


No one claimed responsibility for the attack, though suspicion fell on the Islamist sect Boko Haram. Members of the sect, whose name means “Western education is sacrilege,” have been attacking government buildings and security forces over the past year and a half.


In 2012 alone, the group was blamed for killing at least 792 people.


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James scores 32 more, Heat top Lakers 107-97


MIAMI (AP) — LeBron James scored 32 points on 12-for-18 shooting in a record-setting show, Dwyane Wade scored 30 and the Miami Heat beat the Los Angeles Lakers 107-97 on Sunday for their fifth straight win.


It was James' fifth straight game with at least 30 points, a franchise record. He's shot better than 60 percent in all five of those games.


Mario Chalmers scored 13 and Chris Bosh finished with 12 points and 11 rebounds for the Heat.


Kobe Bryant had 28 points and nine assists for the Lakers, who also got 18 points from Earl Clark. The Lakers had eight turnovers in the fourth quarter, while Miami had none.


With the win, Miami moved 2½ games clear of the New York Knicks in the Eastern Conference standings. The Knicks lost to the Los Angeles Clippers earlier Sunday.


Dwight Howard and Steve Nash each scored 15 for the Lakers.


Wade also shot 12 for 18 for Miami, which shot 55 percent as a team and held a 38-29 edge in rebounding. James scored 20 in the second half and Wade had 18 in the final two quarters, but it took the reigning NBA champions until the final minutes before they could pull away.


Wade had five straight points for Miami, the last of them coming with 7:15 left when his three-point play put the Heat up 89-82 — at that point, their biggest lead of the day.


A minute later, Wade started what might have been Miami's signature sequence of the game.


He stepped in front of a pass by Bryant under the basket, then flipped it to Bosh before falling out of bounds. Bosh got the ball to Norris Cole, who beat Nash down the court, then lobbed a pass over his head to James, who soared for a slam that gave the Heat a seven-point lead once again.


With 3:25 left, James turned in another highlight.


He stole a pass, drove down the court and Nash — who found himself in the lane against a fast-charging James plenty of times Sunday, all to no avail — simply had no chance.


It was almost as if Nash wasn't even in James' field of vision. He leaped for a dunk, giving him 30 points and the franchise record, and Miami's lead was nine. Bryant scored on the next Lakers possession, but Shane Battier hit a 3-pointer with 2:42 left to put Miami up 100-90 for the first double-digit lead for either team all day.


And the Heat weren't challenged again.


The Lakers outscored Miami by one in the first quarter, and the Heat returned the favor in the second quarter. Los Angeles led by as much as seven in the half, the last time when Bryant made a fadeaway for a 44-37 advantage.


Miami came right back with a 7-0 run, James setting up Battier's 3-pointer to cap that little burst. And after James went to the bench with three fouls — the first time this season that's happened in a first half — the Heat didn't let the Lakers take advantage, and the clubs went into intermission tied at 53.


Much like the first half, the third period didn't allow either team much in the way of breathing room either, until the final seconds.


That's when James started flexing some muscle.


James scored Miami's last 11 points of the third, all in the final 4:20, and four of those came in the last six seconds. He was fouled by Clark and made the first free throw. Then the second attempt was tipped back out by Battier to James, who was just beyond the 3-point line. He connected from there, and the Heat took a 78-73 lead into the fourth.


NOTES: The Heat have now won six of their last seven games against the Lakers. ... James made his first five shots, which left him at 42 for his last 52 attempts from the floor to that point, a ridiculous 81-percent clip. ... Bryant had five assists in the first quarter, tying a season best. ... Celebrities in attendance included Miami Hurricanes coach Jim Larranaga, pro golfer Justin Rose and Donald Trump. Rapper Lil Wayne — a semi-regular in the crowd at Heat games — was there for the first half, then tweeted that he was ejected for rooting for the Lakers. The Heat said he was not ejected and "he chose to leave on his own." ... LSU football coach Les Miles live-tweeted the game, noting that James is "more athletic in person."


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For Families Struggling with Mental Illness, Carolyn Wolf Is a Guide in the Darkness





When a life starts to unravel, where do you turn for help?




Melissa Klump began to slip in the eighth grade. She couldn’t focus in class, and in a moment of despair she swallowed 60 ibuprofen tablets. She was smart, pretty and ill: depression, attention deficit disorder, obsessive-compulsive disorder, either bipolar disorder or borderline personality disorder.


In her 20s, after a more serious suicide attempt, her parents sent her to a residential psychiatric treatment center, and from there to another. It was the treatment of last resort. When she was discharged from the second center last August after slapping another resident, her mother, Elisa Klump, was beside herself.


“I was banging my head against the wall,” the mother said. “What do I do next?” She frantically called support groups, therapy programs, suicide prevention lines, anybody, running down a list of names in a directory of mental health resources. “Finally,” she said, “somebody told me, ‘The person you need to talk to is Carolyn Wolf.’ ”


That call, she said, changed her life and her daughter’s. “Carolyn has given me hope,” she said. “I didn’t know there were people like her out there.”


Carolyn Reinach Wolf is not a psychiatrist or a mental health professional, but a lawyer who has carved out what she says is a unique niche, working with families like the Klumps.


One in 17 American adults suffers from a severe mental illness, and the systems into which they are plunged — hospitals, insurance companies, courts, social services — can be fragmented and overwhelming for families to manage. The recent shootings in Newtown, Conn., and Aurora, Colo., have brought attention to the need for intervention to prevent such extreme acts of violence, which are rare. But for the great majority of families watching their loved ones suffer, and often suffering themselves, the struggle can be boundless, with little guidance along the way.


“If you Google ‘mental health lawyer,’ ” said Ms. Wolf, a partner with Abrams & Fensterman, “I’m kinda the only game in town.”


On a recent afternoon, she described in her Midtown office the range of her practice.


“We have been known to pull people out of crack dens,” she said. “I have chased people around hotels all over the city with the N.Y.P.D. and my team to get them to a hospital. I had a case years ago where the person was on his way back from Europe, and the family was very concerned that he was symptomatic. I had security people meet him at J.F.K.”


Many lawyers work with mentally ill people or their families, but Ron Honberg, the national director of policy and legal affairs for the National Alliance on Mental Illness, said he did not know of another lawyer who did what Ms. Wolf does: providing families with a team of psychiatrists, social workers, case managers, life coaches, security guards and others, and then coordinating their services. It can be a lifeline — for people who can afford it, Mr. Honberg said. “Otherwise, families have to do this on their own,” he said. “It’s a 24-hour, 7-day-a-week job, and for some families it never ends.”


Many of Ms. Wolf’s clients declined to be interviewed for this article, but the few who spoke offered an unusual window on the arcane twists and turns of the mental health care system, even for families with money. Their stories illustrate how fraught and sometimes blind such a journey can be.


One rainy morning last month, Lance Sheena, 29, sat with his mother in the spacious family room of her Long Island home. Mr. Sheena was puffy-eyed and sporadically inattentive; the previous night, at the group home where he has been living since late last summer, another resident had been screaming incoherently and was taken away by the police. His mother, Susan Sheena, eased delicately into the family story.


“I don’t talk to a lot of people because they don’t get it,” Ms. Sheena said. “They mean well, but they don’t get it unless they’ve been through a similar experience. And anytime something comes up, like the shooting in Newtown, right away it goes to the mentally ill. And you think, maybe we shouldn’t be so public about this, because people are going to be afraid of us and Lance. It’s a big concern.”


Her son cut her off. “Are you comparing me to the guy that shot those people?”


“No, I’m saying that anytime there’s a shooting, like in Aurora, that’s when these things come out in the news.”


“Did you really just compare me to that guy?”


“No, I didn’t compare you.”


“Then what did you say?”


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Bits Blog: Disruptions: Apple Is Said to Be Developing a Curved-Glass Smart Watch

Dick Tracy had one. As did Inspector Gadget and James Bond. A watch that doubled as a computer, two-way radio, mapping device or television.

Though such a device has been lost to science fiction comics and spy movies of the era before smartphones, the smart watch might soon become a reality, in the form of a curved glass device made by Apple.

In its headquarters in Cupertino, Calif., Apple is experimenting with wristwatch-like devices made of curved glass, according to people familiar with the company’s explorations, who spoke on the condition that they not be named because they are not allowed to publicly discuss unreleased products. Such a watch would operate on Apple’s iOS platform, two people said, and stand apart from competitors based on the company’s understanding of how such glass can curve around the human body.

Apple declined to comment on its plans. But the exploration of such a watch leaves open lots of exciting questions: If the company does release such a product, what would it look like? Would it include Siri, the voice assistant? Would it have a version of Apple’s map software, offering real-time directions to people walking down the street? Could it receive text messages? Could it monitor a user’s health or daily activity? How much will it cost? Could Timothy D. Cook, Apple’s chief executive, be wearing one right now, whispering sweet nothings to his wrist?

Such a watch could also be used to make mobile payments, with Apple’s Passbook payment software.

Although it would take Dick Tracy to find the answers to those questions, and it’s uncertain when Apple might unveil such a device, it’s clear that Apple has the technology.

Last year, Corning, the maker of the ultra-tough Gorilla Glass that is used in the iPhone, announced that it had solved the difficult engineering challenge of creating bendable glass, called Willow Glass, that can flop as easily as a piece of paper in the wind without breaking.

Pete Bocko, the chief technology officer for Corning Glass Technologies, who worked on Willow Glass, said via telephone that the company had been developing the thin, flexible glass for more than a decade, and that the technology had finally arrived.

“You can certainly make it wrap around a cylindrical object and that could be someone’s wrist,” Mr. Bocko said. “Right now, if I tried to make something that looked like a watch, that could be done using this flexible glass.”

But Mr. Bocko warns that it is still quite an engineering feat to create a foldable device. “The human body moves in unpredictable ways,” he said. “It’s one of the toughest mechanical challenges.”

To add to the excitement of an Apple watch, late last year the Chinese gadget site Tech.163 reported that the company had begun development of a watch featuring Bluetooth and a 1.5-inch display.

“Apple’s certainly made a lot of hiring in that area,” said Sarah Rotman Epps, a Forrester analyst who specializes in wearable computing and smartphones. “Apple is already in the wearable space through its ecosystem partners that make accessories that connect to the iPhone,” she said, adding: “This makes Apple potentially the biggest player of the wearables market in a sort of invisible way.”

“Over the long term wearable computing is inevitable for Apple; devices are diversifying and the human body is a rich canvas for the computer,” Ms. Epps said. “But I’m not sure how close we are to a new piece of Apple hardware that is worn on the body.”

Investors would most likely embrace an iWatch, with some already saying that wearable computing could replace the smartphone over the next decade.

“We believe technology could progress to a point where consumers have a tablet plus wearable computers, like watches or glasses, that enable simple things like voice calls, texting, quick searches, navigation,” Gene Munster, an analyst at Piper Jaffray, said in a report last month. “These devices are likely to be cheaper than an iPhone and could ultimately be Apple’s best answer to addressing emerging markets.”

Mr. Cook is clearly interested in wearables. In the past he has been seen wearing a Nike FuelBand, which tracks a user’s daily exertion. The FuelBand data is shared wirelessly with an iPhone app.

Bob Mansfield, Apple’s senior vice president for technologies, who previously ran hardware engineering, has also been particularly interested in wearables, an Apple employee said. Mr. Mansfield is engrossed by devices that connect to the iPhone, through Bluetooth, sharing information back and forth from the human body to the phone, including the Nike FuelBand and Jawbone Up.

If smartphones do become smart watches and smart glasses, Apple seems to have the technology to make standout wearable computers.

Last year the company filed patents for displays that sit over the eye and stream information to the retina. Given that the iPod Nano is about the size of an overfed ant, the company clearly knows how to make small devices, too.

But, maybe there are other devices coming before wearables. Apple has long been rumored to be working on a television-like experience. And, there is the possibility of an Apple car.

In a meeting in his office before he died, Steven P. Jobs, Apple’s co-founder and former chief executive, told John Markoff of The New York Times that if he had more energy, he would have liked to take on Detroit with an Apple car.

In August, during the company’s patent trial with Samsung, Philip W. Schiller, Apple’s senior vice president for worldwide product marketing, said on the stand that Apple had explored making “crazy stuff” before development of the iPhone and iPad, including a camera or a car. While Apple continues its experiments with wearables, its biggest competitor, Google, is pressing ahead with plans to make wearable computers mainstream.

According to a Google executive who spoke on the condition that he not be named, the company hopes its wearable glasses, with a display that sits above the eye, will account for 3 percent of revenue by 2015. Olympus is also working on wearable computers.

Google is holding private workshops in San Francisco and New York for developers to start building applications for its glasses. At the event in San Francisco last week, Hosain Rahman, chief executive of Jawbone, the maker of the Up, a wrist device that tracks people’s energy and sleep, said that “a decade from now we won’t be able to imagine life without the wearables that we use to access information, unlock our doors, pay for goods and most importantly track our health.”

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