QUES: After the 1998 embassy bombings, the U.S. government tried to develop a clearer picture of Bin Laden's finances. A U.S. interagency group traveled to Saudi Arabia twice, in 1999 and 2000, to get information from the Saudis about their understanding of those finances. The group eventually concluded that the oft-repeated assertion that Bin Laden was funding al Qaeda from his personal fortune was in fact not true. The officials developed a new theory: al Qaeda was getting its money elsewhere, and the United States needed to focus on other sources of funding, such as charities, wealthy donors, and financial facilitators. Ultimately, although the intelligence community devoted more resources to the issue and produced somewhat more intelligence, it remained difficult to distinguish al Qaeda's financial transactions among the vast sums moving in the international financial system. The CIA was not able to find or disrupt al Qaeda's money flows. The NSC staff thought that one possible solution to these weaknesses in the intelligence community was to create an all-source terrorist-financing intelligence analysis center. Clarke pushed for the funding of such a center at Treasury, but neither Treasury nor the CIA was willing to commit the resources. Within the United States, various FBI field offices gathered intelligence on organizations suspected of raising funds for al Qaeda or other terrorist groups. By 9/11, FBI agents understood that there were extremist organizations operating within the United States supporting a global jihadist movement and with substantial connections to al Qaeda. The FBI operated a web of informants, conducted electronic surveillance, and had opened significant investigations in a number of field offices, including New York, Chicago, Detroit, San Diego, and Minneapolis. On a national level, however, the FBI never used the information to gain a systematic or strategic understanding of the nature and extent of al Qaeda fundraising. Treasury regulators, as well as U.S. financial institutions, were generally focused on finding and deterring or disrupting the vast flows of U.S. currency generated by drug trafficking and high-level international fraud. Large-scale scandals, such as the use of the Bank of New York by Russian money launderers to move millions of dollars out of Russia, captured the attention of the Department of the Treasury and of Congress. Before 9/11, Treasury did not consider terrorist financing important enough to mention in its national strategy for money laundering.
Do you have any questions?
MY QUESTION: What different possible funding sources for Bin Laden were considered?

QUES: Ratners Group PLC, a fast-growing, acquisition-minded London-based jeweler, raised its price for Seattle-based specialty jeweler Weisfield's Inc. to $57.50 a share, or $62.1 million, from $50 a share, or $55 million, after another concern said it would be prepared to outbid Ratners's initial offer. The other concern wasn't identified. Ratners's chairman, Gerald Ratner, said the deal remains of "substantial benefit to Ratners." In London at mid-afternoon yesterday, Ratners's shares were up 2 pence (1.26 cents), at 260 pence ($1.64). The sweetened offer has acceptances from more than 50% of Weisfield's shareholders, and it is scheduled for completion by Dec. 10. The acquisition of 87-store Weisfield's raises Ratners's U.S. presence to 450 stores. About 30% of Ratners's profit already is derived from the U.S.
Do you have any questions?
MY QUESTION: How much money is Weisfield making per store from this acquisition?

QUES: On Monday, departing Gov. Roy Barnes will spend his first day as a private citizen by starting his new job as a full-time, pro-bono (unpaid) lawyer at the Atlanta Legal Aid Society. The decision by Barnes, the most improbable casualty of Election Day 2002, to go to work for legal aid was almost as unexpected as his November defeat. As a legal services attorney, Barnes will help women escape domestic violence, Mauricio Vivero is vice president seniors fight predatory lending scams and parents obtain child support for their kids. of Legal In doing so, he will take his place on the front line of the U.S. legal community's Services Corporation, the uphill and underpublicized struggle to achieve equal access to justice for millions of Washington-Americans too poor to afford legal representation. based nonprofit corporation chartered by The inaccessibility of the U.S. civil justice system is hardly a new development, but it Congress in took Barnes' decision to put the national media spotlight on our country's ongoing 1974 to promote equal access to access-to-justice crisis. civil justice. The 2000 U.S. census reports that more than 43 million Americans qualify for free federally funded legal assistance, yet fewer than 20 percent of eligible clients (annual income: $11,075 or less) are able to obtain legal help when they need it, according to the American Bar Association. In Georgia, there is just one legal aid lawyer for every 10,500 eligible poor people. Barnes understood this problem long before he became governor. While in private practice, he handled many pro-bono cases and was a frequent volunteer in the Cobb County office of the federally funded Atlanta Legal Aid Society. Most memorably, he secured a $115 million judgment in 1993 against Fleet Finance for victimizing 18,000 homeowners -- many of them senior citizens -- with its widespread predatory lending mortgage practices. His long-standing commitment to the underserved is certainly admirable, but it should not be viewed as a rare and laudable act of civic virtue. To be admitted to practice law, every attorney must take a professional oath to promote justice -- and every state's ethical rules include language indicating lawyers' responsibility to be guardians of fair play for those living in poverty. In Georgia, many law firms, corporations and private attorneys are working pro bono to serve the neediest clients. Yet only 23 percent of the state's 23,598 active lawyers reported meeting the Georgia State Bar's goal of 50 hours of pro-bono service in 2002. The need for volunteers is most severe outside the five-county Atlanta metropolitan area, where 70 percent of the state's poor people are served by only 24 percent of the state's lawyers. National pro-bono participation is even worse. Only 23 percent of the roughly 1 million attorneys in America volunteer even one hour of pro-bono service annually, according to the ABA.
Do you have any questions?
MY QUESTION: Who handled many pro-bono cases and was a frequent volunteer in the Cobb County office of the federally funded Atlanta Legal Aid Society?

QUES: Living things need non-living matter as well as energy. What do you think matter is used for? One thing is to build bodies. They also need it to carry out the processes of life. Any non-living matter that living things need is called a nutrient. Carbon and nitrogen are examples of nutrients. Unlike energy, matter is recycled in ecosystems. You can see how in Figure 3.11. Decomposers release nutrients when they break down dead organisms. The nutrients are taken up by plants through their roots. The nutrients pass to primary consumers when they eat the plants. The nutrients pass to higher level consumers when they eat lower level consumers. When living things die, the cycle repeats.
Do you have any questions?
MY QUESTION:
Describe this scenario of recycling nutrients in an example.