The second major point on which the principals had agreed on March 10 was the need to crack down on terrorist organizations and curtail their fund-raising. The embassy bombings of 1998 had focused attention on al Qaeda's finances. One result had been the creation of an NSC-led interagency committee on terrorist financing. On its recommendation, the President had designated Bin Laden and al Qaeda as subject to sanctions under the International Emergency Economic Powers Act. This gave theTreasury Department's Office of Foreign Assets Control (OFAC) the ability to search for and freeze any Bin Laden or al Qaeda assets that reached the U.S. financial system. But since OFAC had little information to go on, few funds were frozen. In July 1999, the President applied the same designation to the Taliban for harboring Bin Laden. Here, OFAC had more success. It blocked more than $34 million in Taliban assets held in U.S. banks. Another $215 million in gold and $2 million in demand deposits, all belonging to the Afghan central bank and held by the Federal Reserve Bank of New York, were also frozen. After October 1999, when the State Department formally designated al Qaeda a "foreign terrorist organization," it became the duty of U.S. banks to block its transactions and seize its funds. Neither this designation nor UN sanctions had much additional practical effect; the sanctions were easily circumvented, and there were no multilateral mechanisms to ensure that other countries' financial systems were not used as conduits for terrorist funding. Attacking the funds of an institution, even the Taliban, was easier than finding and seizing the funds of a clandestine worldwide organization like al Qaeda. Although the CIA's Bin Laden unit had originally been inspired by the idea of studying terrorist financial links, few personnel assigned to it had any experience in financial investigations. Any terrorist-financing intelligence appeared to have been collected collaterally, as a consequence of gathering other intelligence. This attitude may have stemmed in large part from the chief of this unit, who did not believe that simply following the money from point A to point B revealed much about the terrorists' plans and intentions. As a result, the CIA placed little emphasis on terrorist financing. Nevertheless, the CIA obtained a general understanding of how al Qaeda raised money.

How much money was frozen after the President applied the same designation to the Taliban?

Although Bin Laden, Atef, and KSM initially contemplated using established al Qaeda members to execute the planes operation, the late 1999 arrival in Kandahar of four aspiring jihadists from Germany suddenly presented a more attractive alternative. The Hamburg group shared the anti-U.S. fervor of the other candidates for the operation, but added the enormous advantages of fluency in English and familiarity with life in the West, based on years that each member of the group had spent living in Germany. Not surprisingly, Mohamed Atta, Ramzi Binalshibh, Marwan al Shehhi, and Ziad Jarrah would all become key players in the 9/11 conspiracy. Mohamed Atta was born on September 1, 1968, in Kafr el Sheikh, Egypt, to a middle-class family headed by his father, an attorney. After graduating from Cairo University with a degree in architectural engineering in 1990, Atta worked as an urban planner in Cairo for a couple of years. In the fall of 1991, he asked a German family he had met in Cairo to help him continue his education in Germany. They suggested he come to Hamburg and invited him to live with them there, at least initially. After completing a course in German, Atta traveled to Germany for the first time in July 1992. He resided briefly in Stuttgart and then, in the fall of 1992, moved to Hamburg to live with his host family. After enrolling at the University of Hamburg, he promptly transferred into the city engineering and planning course at the Technical University of Hamburg-Harburg, where he would remain registered as a student until the fall of 1999. He appears to have applied himself fairly seriously to his studies (at least in comparison to his jihadist friends) and actually received his degree shortly before traveling to Afghanistan. In school, Atta came across as very intelligent and reasonably pleasant, with an excellent command of the German language. When Atta arrived in Germany, he appeared religious, but not fanatically so. This would change, especially as his tendency to assert leadership became increasingly pronounced. According to Binalshibh, as early as 1995 Atta sought to organize a Muslim student association in Hamburg. In the fall of 1997, he joined a working group at the Quds mosque in Hamburg, a group designed to bridge the gap between Muslims and Christians. Atta proved a poor bridge, however, because of his abrasive and increasingly dogmatic personality. But among those who shared his beliefs, Atta stood out as a decisionmaker.

Who moved to Hamburg in 1992?

Reducing resource use means just what it says using fewer resources. There are lots of ways to reduce our use of resources. Buy durable goods. Choose items that are well made so they will last longer. Youll buy fewer items in the long run, so youll save money as well as resources. Thats a win-win! Repair rather than replace. Fix your bike rather than buying a new one. Sew on a button instead of buying a new shirt. Youll use fewer resources and save money. Buy only what you need. Dont buy a gallon of milk if you can only drink half of it before it spoils. Instead, buy a half gallon and drink all of it. You wont be wasting resources (or money!) Buy local. For example, buy local produce at a farmers market, like the one in Figure 2.20. A lot of resources are saved by not shipping goods long distances. Products bought at farmers markets use less packaging, too! About a third of what we throw out is packaging.
What are two examples of repair rather than replacing?