Thelma James was a prime candidate for a real estate ripoff: She is 68, has precious little money and can't read or write. "I won't lie to you. I was so-o-o excited," the widow and former duplex dweller said of the purchase of her first home, a sagging frame structure on Snowden. "I was glad to get me a house." When James realized she had been swindled she turned to Memphis Area Legal Services, which represented her in a lawsuit. Now, James's monthly house notes have dropped from $796 - more than twice her monthly income - to an affordable $247. Some of the people who took advantage of her through a questionable loan program were sent to jail. "I don't know what I would have done without Legal Services," said James. "They solved a lot of my problems." James is one of more than 3,000 clients served last year by MALS, which provides assistance for civil matters, such as domestic abuse and family-related problems, Social Security and Supplemental Security Income, veterans, housing and consumer fraud cases. Like James, most clients are elderly or female. Some are handicapped. Some need medical care or veteran's benefits. Some are trying to escape eviction or an abusive marriage. And 87 percent live at or below poverty level. Shelby County Mayor A C Wharton recently said Legal Services is important for those who, because of poverty or other struggles in life, think justice is an empty word. "They must be given reason to believe that the law is for them too," said Wharton, a former executive director of MALS. But MALS faces a funding crunch next year, brought on by a $200,000 shortfall from three revenue sources.

By how much was the Memphis Area Legal Services able to drop James' monthly house notes?

Early in chapter 5 we introduced, along with Khalid Sheikh Mohammed, two other men who became operational coordinators for al Qaeda: Khallad and Nashiri. As we explained, both were involved during 1998 and 1999 in preparing to attack a ship off the coast of Yemen with a boatload of explosives. They had originally targeted a commercial vessel, specifically an oil tanker, but Bin Laden urged them to look for a U.S.warship instead. In January 2000, their team had attempted to attack a warship in the port of Aden, but the attempt failed when the suicide boat sank. More than nine months later, on October 12,2000, al Qaeda operatives in a small boat laden with explosives attacked a U.S. Navy destroyer, the USS Cole. The blast ripped a hole in the side of the Cole, killing 17 members of the ship's crew and wounding at least 40. The plot, we now know, was a full-fledged al Qaeda operation, supervised directly by Bin Laden. He chose the target and location of the attack, selected the suicide operatives, and provided the money needed to purchase explosives and equipment. Nashiri was the field commander and managed the operation in Yemen. Khallad helped in Yemen until he was arrested in a case of mistaken identity and freed with Bin Laden's help, as we also mentioned earlier. Local al Qaeda coordinators included Jamal al Badawi and Fahd al Quso, who was supposed to film the attack from a nearby apartment. The two suicide operatives chosen were Hassan al Khamri and Ibrahim al Thawar, also known as Nibras. Nibras and Quso delivered money to Khallad in Bangkok during Khallad's January 2000 trip to Kuala Lumpur and Bangkok. In September 2000, Bin Laden reportedly told Nashiri that he wanted to replace Khamri and Nibras. Nashiri was angry and disagreed, telling others he would go to Afghanistan and explain to Bin Laden that the new operatives were already trained and ready to conduct the attack. Prior to departing, Nashiri gave Nibras and Khamri instructions to execute the attack on the next U.S.warship that entered the port of Aden.

What roles did Bin Laden, Khallad, and Nashiri have in al Qaeda?

Is this an insect or an animal? A snail is an animal just like you and me. Thats right, you too are an animal. No, you don't look like a snail. You do have some things in common. Animals can be divided into many groups. These groups are decided based on their characteristics. All animals have some basic features in common. That does not mean they are the same. They also have many differences. For example, snails are mollusks and not insects. Mollusks have a unique set of features. Notice the large foot that allows it to move. Yes, it only has one foot. Did you notice the long antennas on its head? This is where the snail's eyes are. They are on the end of the antenna. They are not on its head like most animals. The foot and eyes are unique features. Scientists use these features to place animals into groups.
Where are a snail's eyes located?