Search for ex-cop in shootings extended statewide, into Nevada

As authorities scoured Southern California for an ex-Los Angeles police officer suspected of shooting three officers, killing one, officials broadened the alert to include the entire state Thursday morning, and authorities in Nevada were warned.

The California Highway Patrol originally issued a "blue alert" for nine Southern California counties, warning that suspect Christoper Jordan Dorner, 33, was considered "armed and extremely dangerous," early Thursday. Shortly after 9 a.m. that alert was broadened to the include the entire state.

A statewide “high alert” was sent out about 8:30 a.m. across Nevada for Dorner, authorities with the Nevada Highway Patrol said.

PHOTOS: Manhunt for ex-LAPD officer

Arizona authorities were aware of the situation but had not issued any formal alerts, said Officer Carrick Cook with the state's Department of Public Safety.

Local, state and federal authorities are involved in the search for Dorner, who threatened "unconventional and asymmetrical warfare" against police in an online manifesto. Dorner is also wanted in connection with a double homicide Sunday in Irvine, where the daughter of a retired LAPD captain and her fiance were killed.

The search intensified early Thursday after three police officers were shot in Riverside County and Dorner was identified as a possible suspect.

The first shooting occurred about 1:30 a.m. Thursday in Corona, where two Los Angeles Police Department officers were providing protection for someone mentioned in Dorner's manifesto, officials said. One officer suffered a graze wound to the head during a shootout and Dorner fled the scene, police said.

Ex-LAPD officer threatened to kill in online manifesto

A short time later, two Riverside officers were shot at the corner of Magnolia Avenue and Arlington Avenue in Riverside. Toussaint said the officers were sitting at a red light when they were ambushed. One was killed, the other was undergoing surgery Thursday morning.

There was no indication the officers were "actively seeking Dorner," Toussaint said.

“Our officers were stopped at an intersection at a red light when they were ambushed," he said. "Because of the close proximity to the timeline, we believe there is a strong likelihood that former LAPD Officer Christopher Dorner was involved in our incident.”

As authorities swarmed the area, two officer-involved shootings occurred in Torrance after police came across vehicles they thought might be Dorner's.

The first Torrance incident occurred about 5:20 a.m. in the 19500 block of Redbeam Avenue in Torrance, Lt. Devin Chase said. That incident involved Los Angeles police detectives from the Hollywood division, sources said.

Two women delivering newspapers were struck by gunfire and transported to an area hospital with unknown injuries, Chase said. No officers were injured. The women were not identified.

The second incident, which involved Torrance police officers, occurred at Flagler Lane and Beryl Street about 5:45 a.m. No injuries were reported in that incident.

Chase said both incidents involved vehicles matching the description of the one sought in connection with Dorner.

"Now it appears neither of them are directly related," Chase said. "In both of them, officers believed they were at the time."

Authorities said they believe Dorner attempted to steal a boat from an elderly man about 10:30 p.m. Wednesday at the Point Loma Yacht Club in San Diego, hours before the shootings in Riverside County.

The boat owner reported being accosted by a burly man who tied him up, threatened him with a gun and said he wanted the boat to flee to Mexico.

But while they were trying to get underway, a rope became entangled in the propeller and the boat was inoperable, authorities said.

The suspect fled the scene and the boat owner was unharmed.

About 2 a.m., a citizen reported finding property belonging to Dorner on a street near Lindbergh Field, not far from the scene of the attempted boat theft. The property included a briefcase and Dorner's LAPD badge.

In the online manifesto, Dorner specifically named the father of Monica Quan, the Cal State Fullerton assistant basketball coach who was found dead Sunday in Irvine along with her fiance, Keith Lawrence.

Randy Quan, a retired LAPD captain, was involved in the review process that ultimately led to Dorner’s dismissal. A former U.S. Navy reservist, Dorner was fired in 2009 for allegedly making false statements about his training officer. In the manifesto, he complained that Randy Quan and others did not fairly represent him at the review hearing.

“The violence of action will be high .... I will bring unconventional and asymmetrical warfare to those in LAPD uniform whether on or off duty," Dorner wrote.

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Afghan boys from nominated film to walk red carpet

KABUL, Afghanistan (AP) — Fawad Mohammadi has spent half his life peddling maps and dictionaries to foreigners on a street of trinket shops in Kabul. Now the 14-year-old Afghan boy with bright green eyes is getting ready for a trip down the red carpet at the Oscars.

It will also be his first time out of the country and his first time on a plane.

Mohammadi was plucked from the dingy streets of the Afghan capital to be one of the main stars of "Buzkashi Boys," a coming-of-age movie filmed entirely in a war zone and nominated in the Best Live Action Short Film category.

The movie is about two penniless young boys — a street urchin and a blacksmith's son — who are best friends and dream of becoming professional players of buzkashi, a particularly rough and dangerous game that somewhat resembles polo: Horseback riders wrangle to get a headless goat carcass into a circular goal at one end of the field.

It's also part of an American director's effort to help revive a film industry devastated by decades of civil war and by the Taliban, an Islamic fundamentalist movement that banned entertainment and burned films and theaters during its five years in power.

Sam French, a Philadelphia native who has lived in Afghanistan for about five years, said his 28-minute movie was initially conceived as a way of training local film industry workers — the first installment in his nonprofit Afghan Film Project.

"We never dreamed of having the film come this far and get an Oscar nomination," French, 36, said in a telephone interview from Los Angeles, where he is preparing for the Feb. 24 Academy Awards and raising money to fly the two young co-stars in for the ceremony.

The two boys playing the main characters — Mohammadi and Jawanmard Paiz — can barely contain their excitement about going to the Oscars.

"It will be a great honor for me and for Afghanistan to meet the world's most famous actors," said Mohammadi, whose real-life dream is to become a pilot. He's also hoping to go see the cockpit during the flight.

The farthest Mohammadi has ever traveled was to the northern Afghan city of Mazar-i-Sharif when he was younger.

Mohammadi's father died a few years ago, leaving him with his mother, five brothers and a sister. He started selling chewing gum when he was about 7 years old and soon expanded his trade to maps and dictionaries.

He learned to speak English hustling foreigners on Chicken Street, the main tourist area in Kabul with shops selling multicolor rugs, lapis bowls and other crafts and souvenirs, and gained a reputation for being polite, helpful and trustworthy. He was even able to enroll in a private school, thanks to the generosity of some other foreigners unrelated to the film project.

In the movie Mohammadi plays the blacksmith's son, Rafi, whose father wants him to follow in his footsteps.

"His life was so much harder than mine," Mohammadi said. "The blacksmith made him go out on the streets. I came myself here (to Chicken Street). My family didn't make me come. I wanted to make money to feed myself and to feed my family. He didn't have a home. They lived in the blacksmith shop."

Ironically it's not Mohammadi but Paiz, the youngest son of a well-known Afghan actor, who plays the homeless boy Ahmad.

Paiz, also 14, already was an experienced actor: He's appeared in films since the age of 5 and has gone to the Cannes Film Festival.

Paiz and Mohammadi had a lot to learn from each other and became friends. He gave Mohammadi tips for acting and handling himself in live interviews, while Fawad taught him about life outside his sheltered surroundings.

"When I saw Fawad was such a good actor even though he was a street boy and he was so brave in acting, I was very surprised and I said to myself, 'Everybody can achieve what they desire to do,'" Paiz said during an interview this week, shivering in the snow-covered courtyard of the Afghan Film Institute while a local TV series was being filmed nearby.

French, who co-wrote the script and produced "Buzkashi Boys" with Martin Roe of the Los Angeles-based production company Dirty Robber, launched a fundraising drive that's raised almost $10,000 so far to help bring the boys to Los Angeles for the ceremony. Any extra money will be placed in a fund to provide for Mohammadi's education and help his family. The boys will travel with an escort and will stay with the extended Afghan family of one of the film's producers, French said.

French said he's aware of the pitfalls in working with child actors from developing countries.

The makers of "Slumdog Millionaire," the rags-to-riches blockbuster about three poor Indian children, have struggled to make a better life for the young stars, and four boys who acted in "The Kite Runner" had to leave Afghanistan out of concern they could be ostracized or subject to violence because of a rape scene in the movie.

French said he and others involved in the "Buzkashi Boys" took pains to involve the community and made sure to avoid any scenes that could be offensive.

"We're not filmmakers who just do a film and leave. We remain there and present," he said. "We had lots and lots of tea with lots and lots of people."

The Academy of Motion Picture Arts and Sciences says there have been three documentary features nominees filmed at least in part in Afghanistan since 2007 — all about the U.S. military. The Kite Runner, which was nominated for original score in 2007, was set in Afghanistan but not filmed there.

Afghanistan had a burgeoning film industry starting in the early 20th century, but it suffered from fighting during the civil war and the Taliban campaign to stamp out entertainment. Actors and film industry workers like Paiz's father and the actor who plays the blacksmith, Wali Talash, fled the country. They returned only after the 2001 U.S.-led assault that ousted the Islamic movement and its al-Qaida allies.

Talash, 56, said he hopes the "Buzkashi Boys" will show the world the rich culture of Afghanistan, which too few in the world know beyond reports of roadside bombs and suicide attacks.

"I hope if this movie wins that it will be an earthquake that will shake the industry and help Afghan filmmakers get back on their feet," he said.

Mohammadi, meanwhile, says he knows the money and fame he earned from the movie can carry him only so far. He still sells maps, though not so often as before, because he has school.

"For my work I used to know a lot of foreigners and I still do, but before they used to know me as a map seller. Now they know me as an actor," he said, waving a plastic-covered map as weary Afghans walked by on the muddy street. "Most of them take pictures with me and sometimes they buy maps from me even if they don't need any just because they spotted me in the movie."

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Associated Press writer Steve Loeper in Los Angeles contributed to this report.

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Online:

Fundraising site — https://rally.org/buzkashiboys/c/h95pGSpJAiE

Film website — http://www.buzkashiboys.com/

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Well: Expressing the Inexpressible

When Kyle Potvin learned she had breast cancer at the age of 41, she tracked the details of her illness and treatment in a journal. But when it came to grappling with issues of mortality, fear and hope, she found that her best outlet was poetry.

How I feared chemo, afraid
It would change me.
It did.
Something dissolved inside me.
Tears began a slow drip;
I cried at the news story
Of a lost boy found in the woods …
At the surprising beauty
Of a bright leaf falling
Like the last strand of hair from my head

Ms. Potvin, now 47 and living in Derry, N.H., recently published “Sound Travels on Water” (Finishing Line Press), a collection of poems about her experience with cancer. And she has organized the Prickly Pear Poetry Project, a series of workshops for cancer patients.

“The creative process can be really healing,” Ms. Potvin said in an interview. “Loss, mortality and even hopefulness were on my mind, and I found that through writing poetry I was able to express some of those concepts in a way that helped me process what I was thinking.”

In April, the National Association for Poetry Therapy, whose members include both medical doctors and therapists, is to hold a conference in Chicago with sessions on using poetry to manage pain and to help adolescents cope with bullying. And this spring, Tasora Books will publish “The Cancer Poetry Project 2,” an anthology of poems written by patients and their loved ones.

Dr. Rafael Campo, an associate professor of medicine at Harvard, says he uses poetry in his practice, offering therapy groups and including poems with the medical forms and educational materials he gives his patients.

“It’s always striking to me how they want to talk about the poems the next time we meet and not the other stuff I give them,” he said. “It’s such a visceral mode of expression. When our bodies betray us in such a profound way, it can be all the more powerful for patients to really use the rhythms of poetry to make sense of what is happening in their bodies.”

On return visits, Dr. Campo’s patients often begin by discussing a poem he gave them — for example, “At the Cancer Clinic,” by Ted Kooser, from his collection “Delights & Shadows” (Copper Canyon Press, 2004), about a nurse holding the door for a slow-moving patient.

How patient she is in the crisp white sails
of her clothes. The sick woman
peers from under her funny knit cap
to watch each foot swing scuffing forward
and take its turn under her weight.
There is no restlessness or impatience
or anger anywhere in sight. Grace
fills the clean mold of this moment
and all the shuffling magazines grow still.

In Ms. Potvin’s case, poems related to her illness were often spurred by mundane moments, like seeing a neighbor out for a nightly walk. Here is “Tumor”:

My neighbor walks
For miles each night.
A mantra drives her, I imagine
As my boys’ chant did
The summer of my own illness:
“Push, Mommy, push.”
Urging me to wind my sore feet
Winch-like on a rented bike
To inch us home.
I couldn’t stop;
Couldn’t leave us
Miles from the end.

Karin Miller, 48, of Minneapolis, turned to poetry 15 years ago when her husband developed testicular cancer at the same time she was pregnant with their first child.

Her husband has since recovered, and Ms. Miller has reviewed thousands of poems by cancer patients and their loved ones to create the “Cancer Poetry Project” anthologies. One poem is “Hymn to a Lost Breast,” by Bonnie Maurer.

Oh let it fly
let it fling
let it flip like a pancake in the air
let it sing: what is the song
of one breast flapping?

Another is “Barn Wish” by Kim Knedler Hewett.

I sit where you can’t see me
Listening to the rustle of papers and pills in the other room,
Wondering if you can hear them.
Let’s go back to the barn, I whisper.
Let’s turn on the TV and watch the Bengals lose.
Let’s eat Bill’s Doughnuts and drink Pepsi.
Anything but this.

Ms. Miller has asked many of her poets to explain why they find poetry healing. “They say it’s the thing that lets them get to the core of how they are feeling,” she said. “It’s the simplicity of poetry, the bare bones of it, that helps them deal with their fears.”

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Have you written a poem about cancer? Please share them with us in the comments section below.

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Retail sales rise 5.8%, but cold weather and payroll taxes sting

Shoppers trod carefully in January, lured into stores by retailers dangling post-holiday clearance deals but spending sparingly to balance out higher payroll taxes and lingering economic uncertainty.

Same-store sales at major retailers such as Nordstrom, Gap and Costco reported a 5.8% upswing last month from January 2012, handily beating earlier estimates of a 3.5% boost.

The data, from Thomson Reuters, features a roundup of 18 retailers sans drug stores such as Walgreens and Rite Aid. Same-store sales account for revenue at retail locations operating for at least a year, stripping out the fluctuations of recent openings and closings.

Quiz: Do you know your premium jeans?

Target Corp. showed a 3.1% swell as “guests responded to clearance prices on holiday inventory,” said Chief Executive Gregg Steinhafel in a statement. Analysts had anticipated a 1.7% increase.

“Our guests continue to shop with discipline in the face of a slow economic recovery and new pressures, including recent payroll tax increases,” he said.  

Consumer confidence slid in January to its lowest level since November 2011 amid increasing pessimism over business conditions, according to the Conference Board last week.

Kohl’s Corp. said that its efforts to clear seasonal merchandise and a 59% surge in e-commerce sales last month helped bring its same-store sales up 13.3%.

Macy’s Inc. was so heartened by its “outstanding” 11.7% advance in January that it raised its earnings forecast for its fourth fiscal quarter, which it will report on Feb. 26.

The retailer, which also owns the Bloomingdale’s brand, said its online sales boomed 48.9% last month. The company now predicts fourth-quarter earnings per share of $1.94 to $1.99, up from its earlier projection of $1.91 to $1.96 per share.

Thomson Reuters’ figures don’t include sales data from behemoths such as Wal-Mart Stores Inc. and Best Buy Co. Both Macy’s and Target have said they will stop reporting monthly numbers after January.

Separately from the Thomson Reuters report, Anthropologie and Free People owner Urban Outfitters Inc. said comparable sales from stores were flat for its fourth quarter ended Jan. 31. Without consumer returns -- likely from unwanted gifts -- the figure would have risen several percentage points, the company said.  

Retail analyst Ken Perkins, who puts out another sales report through Retail Metrics Inc., said shopper traffic slowed in the final 10 days of the month as holiday sales waned and temperatures stayed frigid.

“Retailers began to transition floor sets to early spring merchandise, which got off to a slow start in part due to cool weather across the country,” he wrote in an email.

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Monopoly tokens: Out with the iron, in with the cat, Hasbro says

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Postal Service seeks to end Saturday mail delivery

Postal Service to Cut Saturday Mail

By Michael Muskal

February 6, 2013, 8:34 a.m.

The U.S. Postal Service, struggling under a financial load and facing tough competition, will stop delivering mail on Saturdays beginning this summer, officials announced.

The announcement, which had been expected, is seen as an attempt to force Congress to deal with the Postal Service's increasing financial woes. Congress has tried to reorganize the agency, but efforts have been derailed because of politics.

Material prepared for a Wednesday news conference by Postmaster General Patrick R. Donahoe says that Postal Service market research and other research has indicated that nearly 7 in 10 Americans support the switch to five-day delivery as a way for the agency to reduce costs.

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Obama urges short-term solution to prevent steep budget cuts

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"The Postal Service is advancing an important new approach to delivery that reflects the strong growth of our package business and responds to the financial realities resulting from America's changing mailing habits," Donahoe said. "We developed this approach by working with our customers to understand their delivery needs and by identifying creative ways to generate significant cost savings."

The Postal Service contends that it has the authority to cut back service, though some in Congress insist that lawmakers have the final word. In any case, the announcement is expected to move the issue to a front burner.

According to postal officials, the end of Saturday delivery would begin on Aug. 1. The service said it will continue to deliver packages on Saturdays.

Ending Saturday service is estimated to save the agency about $2 billion a year. Officials said it lost about $16 billion in fiscal 2012, which ended Sept. 30 -- about three times the loss it had a year ago.

The proposal comes as the agency has closed post offices and changed procedures to try to stem its hemorrhaging of billions of dollars in recent years. More people have been turning to alternatives to traditional mail service, including electronic tools such as email and outside competitors such as Fed Ex, both of which have seriously cut into the Postal Service's erstwhile monopoly.

Congress in recent years has prohibited the Postal Service from dropping Saturday mail delivery, but the initial response to Wednesday's announcement was more accepting of what might be inevitable.

"This common-sense reform would save the Postal Service more than $2 billion annually," two top Republicans, Rep. Darrell Issa of California and Sen. Tom Coburn of Oklahoma, said in a statement.

"In his recent inaugural address, President Obama spoke about the need to find real solutions to our nation’s problems. Supporting the U.S. Postal Service's plan to move forward with 5-day mail delivery is one such solution worthy of bipartisan support," they said.

Rep. Elijah E. Cummings of Maryland, the top Democrat on the House Oversight and Government Reform Committee chaired by Issa, agreed that action was needed, but questioned whether the Postal Service could act alone.

"The Postal Service's declining mail volume poses a significant challenge, and the enactment of comprehensive postal reform legislation must be an urgent priority for the current Congress," Cummings said in a statement. “However, the issue of service delivery frequency should be addressed in that legislation rather than through arbitrary action by the Postal Service.”

Recent national polls show that a majority of respondents support ending Saturday mail delivery, and Obama has proposed halting such service as part of his budget-cutting proposals. Though the Postal Service is a quasi-governmental, self-funding entity, its worker compensation and retirement plans are tied to the federal budget.

Lawmakers have tried unsuccessfully for years to overhaul the Postal Service, but efforts have fallen victim to different needs in different areas. Representatives of rural areas tend to argue that traditional mail delivery is needed, a position backed by magazine publishers and other heavy users of the Postal Service.

The president of the National Assn. of Letter Carriers, Fredric Rolando, said in a statement that the end of Saturday mail delivery is "a disastrous idea that would have a profoundly negative effect on the Postal Service and on millions of customers,” particularly businesses, rural communities, the elderly, the disabled and others who depend on Saturday delivery for commerce and communication.

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Times staff writers Richard Simon and Jim Puzzanghera contributed to this report.

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Monopoly fans vote to add cat, toss iron tokens

PAWTUCKET, R.I. (AP) — The Scottie dog has a new nemesis in Monopoly after fans voted in an online contest to add a cat token to the property trading game, replacing the iron, toy maker Hasbro Inc. announced Wednesday.

The results were announced after the shoe, wheelbarrow and iron were neck and neck for elimination in the final hours of voting that sparked passionate efforts by fans to save their favorite tokens, and by businesses eager to capitalize on publicity surrounding pieces that represent their products.

The vote on Facebook closed just before midnight on Tuesday, marking the first time that fans have had a say on which of the eight tokens to add and which one to toss. The pieces identify the players and have changed quite a lot since Parker Brothers bought the game from its original designer in 1935.

Rhode Island-based Hasbro announced the new piece Wednesday morning.

Other pieces that contested for a spot on Monopoly included a robot, diamond ring, helicopter and guitar.

"I think there were a lot of cat lovers in the world that reached out and voted," said Jonathan Berkowitz, vice president for Hasbro gaming marketing.

The Scottie Dog was the most popular of the classic tokens, and received 29 percent of the vote, the company said. The iron got the fewest votes and was kicked to the curb.

The cat received 31 percent of votes for new tokens.

The results were not entirely surprising to animal lovers.

The Humane Society of the United States says on its website that there were more than 86 million cats living in U.S. homes, with 33 percent of households owning at least one feline in August 2011. Worldwide, there were an estimated 272 million cats in 194 countries in June 2008, according to London-based World Society for the Protection of Animals.

The online contest to change the tokens was sparked by chatter on Facebook, where Monopoly has more than 10 million fans. The initiative was intended to ensure that a game created nearly eight decades ago remains relevant and engaging to fans today.

"Tokens are always a key part of the Monopoly game ... and our fans are very passionate about their tokens," Berkowitz said.

Monopoly's iconic tokens originated when the niece of game creator Charles Darrow suggested using charms from her charm bracelet for tokens. The game is based on the streets of Atlantic City, N.J., and has sold more than 275 million units worldwide.

The other tokens currently in use are a racecar, a shoe, thimble, top hat, wheelbarrow and battleship. Most of the pieces were introduced with the first Parker Brothers iteration of the game in 1935, and the Scottie dog and wheelbarrow were added in the early 1950s.

The original version also included a lantern, purse, cannon and a rocking horse. A horse and rider token was used in the 1950s. During World War II, metal tokens were replaced by wooden ones, because metal was needed for the war effort.

"I'm sad to see the iron go," Berkowitz said. "Personally, I'm a big fan of the racecar so I'm very relieved it was saved but it is sad to see the iron go."

The social-media buzz created by the Save Your Token Campaign attracted numerous companies that pushed to protect specific tokens that reflect their products.

That includes garden tool maker Ames True Temper Inc. of Camp Hill, Penn., that spoke out in favor of the wheelbarrow and created a series of online videos that support the tool and online shoe retailer Zappos which pushed to save the shoe, Berkowitz said.

Versions of Monopoly with the new token will come out later this year.

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Monopoly: https://www.hasbro.com/monopoly

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Rodrique Ngowi can be reached at www.twitter.com/ngowi

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The New Old Age Blog: For Women, Reduced Access to Long-Term Care Insurance

“This was a very, very good business for a short time, with people buying long-term care insurance like it was candy in a candy store,’’ said Michael Perry, a vice president at the Opus Advisory Group, a strategic financial planning firm in Purchase, N.Y.

No more. Mr. Perry has sold only one long-term care policy in the last six months and is “backing off from marketing’’ them as he watches this corner of the insurance business contract, raise premiums, tighten eligibility requirements and reduce key benefits. Long-term care insurance is a comparatively new product, launched in the late ’80s, and only now, as claims begin to pour in, have the actual costs to insurers become apparent.

Companies like MetLife, Prudential Financial, Allianz and Berkshire Financial (a subsidiary of Guardian) have stopped selling new policies and are hiking premiums for the ones already in place — up 37 percent, by one estimate, in 2011. Insurers are increasing elimination periods — the period during which a beneficiary must cover his or her own costs — and reducing inflation protection to 3 percent from 5 percent, once customary. They are requiring home visits instead of phone interviews from new applicants, as well as blood tests and a thorough examination of their medical records.

But the change that has generated the most public attention is so-called gender-distinct pricing, a new strategy that will raise rates for single women by as much as 40 percent beginning in April. Genworth Financial, the nation’s largest long-term care insurance provider with more than a million policy holders, is the first to win approval by state insurance commissions to raise rates for single women purchasing new policies. Women, most of them single by the time they reach advanced age, cost the company $2 of every $3 in benefits paid so far, according to Steve Zabel, Genworth’s senior vice president for long-term care insurance.

The company also will introduce what Mr. Zabel called “enhanced underwriting,” or more stringent qualifying standards, including blood testing to check for nicotine, drugs and markers of cardiovascular disease for all new applicants, regardless of gender or marital status.

Now permitted in all states except Montana and Colorado, gender-distinct pricing will not affect Genworth’s current policyholders, only new applicants. But all other carriers are likely to follow, according to Jesse Slome, executive director of the American Association for Long-Term Insurance, a trade group in Westlake Village, Calif. With the entire industry headed toward higher rates, Mr. Slome recently warned women that “the window is closing” and that now is the time to grab a policy while the price is still manageable.

Women have always paid less than men for life insurance. But because they live longer, women are the disproportionate beneficiaries of long-term care insurance, which paid out $6.6 billion in benefits in 2011. Mr. Slome expects that number to top $7 billion in 2012.

The reasons are well known:

* On average, women outlive men by five years. Among those born in 1960, the average man will live to age 67 and the average woman to age 73. And women who reach age 65 can expect to live an average of 20 more years.

* By age 75, 7 in 10 women are widowed, divorced or have never been married. Some 40 percent of them live alone, compared to 22 percent of men. Two-thirds of those past the age of 85 are women, as are 80 percent of centenarians.

* Women who live to age 65 experience on average two years of disability requiring assistance before death. Those who reach age 80 will require three years of assistance.

* In nursing homes, the most expensive form of long-term care, 7 in 10 residents are women. They represent 76 percent of the residents in assisted living facilities and two-thirds of the recipients of home care. Virtually none of this is paid for by Medicare, the government’s health plan for those 65-and-over. In nursing homes, Medicaid, a poverty program, kicks in for residents who run out of money.

“Woman live longer than men,” said Suzanna de Baca, a vice president of wealth strategies at Ameriprise Financial. “This may mean we experience a longer period of decline. Unfortunately, we are often less likely to have a partner around to help take care of us than our male counterparts.’’

Long-term care, Mr. Slome said, “is truly a women’s issue.”

While acknowledging the extra expense of caring for women, Mr. Slome said that in his view insurance carriers are being disingenuous in blaming the new policies on long-apparent gender differences. Rather he said, the culprit in the changing requirements is interest rates. “Blame the Federal Reserve,’’ he said.

Insurance carriers invest premiums and need to earn enough on that investment to pay benefits. When interest rates were higher, it was not all that difficult. Now the numbers don’t pencil out, and stockholders are fuming. But it is illegal to file for premium increases with the state insurance commissions based on changes in the financial market, Mr. Slome said.

This position does not endear Mr. Slome to his membership, at least one of whom disputes the claim. Asked if the new rate policies were related to interest rates, Mr. Zabel of Genworth, in an e-mail, replied with a succinct “no.”

Insurers say they were not able to judge the costs of care until the payouts began in earnest.

So what is a woman trying to prepare for old age supposed to do, especially after the elimination of the Class Act, a modest attempt to include long-term care in the Affordable Care Act?

Ms. da Baca suggests “careful and thorough budgeting,” “focusing on wellness,” and “proactive steps” to research suitable places to live when home is no longer an option. Ms. da Baca also advises women to make home modifications — incrementally, as one’s budget permits — to increase the chances that you’ll be able to stay there longer.

Mr. Perry, of the Opus Advisory Group, suggests an intriguing option: life insurance with a chronic care rider, which permits the policy-holder to spend money for such needs while alive, although doing so will reduce the tax-free death benefit. Still, not all buyers — or their survivors — are willing to sacrifice those benefits.

“The need is still there, no question about it,’’ Mr. Perry said. But long-term care insurance is likely to become much harder for everyone to find and afford, especially women.

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Traffic congestion in U.S. remains steady; L.A. area is second-worst

Commuter traffic might be a nightmare, but it's not getting worse -- yet.

According to the just-released 2012 Urban Mobility Report out of the Texas A&M Transportation Institute, automobile commuters in urban areas are delayed an average of about 38 hours a year in the U.S. in trying to get to work and other destinations because of traffic congestion.

That average delay, according to the institute, has remained about the same for the last couple of years. Of course, this is not much solace to commuters.

"The statistics do not include meetings you might miss, or having to replace the dashboard or padded steering wheel because of frustration we take out on our cars," said Bill Eisele, a senior research engineer with the institute who co-authored the report.

The delays in congested areas of Los Angeles and Orange counties were -- no surprise -- far worse than the national average. Those  commuters spent an average of 61 hours per year in traffic congestion. 

That was not the worst among urban areas. That dubious honor went to Washington, D.C., with an average of 67 hours stuck in congestion for the average auto commuter.

The L.A./Orange and San Francisco areas were tied for No. 2, followed by New York, Boston, Houston, Atlanta, Chicago, Philadelphia and Seattle.

The 2012 report used statistics gathered in 2011. The institute has been compiling traffic data since 1982. 

Traffic was at its worst about seven years ago, Eisele said, then got somewhat  better. Unfortunately, that was because of the onset of hard economic times -- meaning fewer workers needing to commute.

In 2008, gas prices started skyrocketing, and that also helped ease traffic congestion.  "It's tied to the economy," he said.

Which might not bode well for the future if the economy continues to improve.

"As things pick up with the economy," Eisele said, "the congestion levels will get worse."

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Friends, investigators seek answers in killing of O.C. couple

They met in college, two highly regarded basketball players who seemed to have the same winning touch on the court and off.

After blazing through high school and college with her outside shot, Monica Quan became the assistant women's basketball coach at Cal State Fullerton. Keith Lawrence, whose highlight shots are still there on his college website, became a campus officer at USC.

Now police in Irvine are scrambling for an explanation — and friends are looking for a way to express their shock — after Quan and Lawrence were found shot to death in their parked car on the top floor of a parking structure in an upscale, high-security condominium complex near UC Irvine.

The two had just announced their engagement and had recently moved into a condominium complex near Concordia University, where they played basketball and had gone on to earn their degrees.

Late Sunday, after a passerby noticed two people in the parked car, police said they found Lawrence slumped in the driver's side of his white Kia. Quan was next to him, also dead. The couple were shot multiple times, and authorities said they have tentatively ruled out the possibility of it being a murder-suicide or motivated by robbery. Nothing in the car, police said, seemed to be disturbed.

The couple's friends and family said they were shaken by the violent deaths of two people who seemed to have so much to offer.

Quan was a 2002 graduate of Walnut High School in the San Gabriel Valley, where she set school records for the most three-pointers in a season and a game. She played at Long Beach State and at Concordia, where she graduated in 2007. She went on to earn a master's degree before becoming the assistant coach at Fullerton.

Quan's father was the first Chinese American captain in the LAPD, and went on to become police chief at Cal Poly Pomona.

Quan was known for pulling students aside to offer encouragement, said Megan Richardson, a former player. Marcia Foster, the head basketball coach at Cal State Fullerton, described her assistant as a special person — "bright, passionate and empowering," she said.

Quan shared a love of basketball with her fiancee, Lawrence, whom she met at Concordia.

He too had been a standout basketball player, starting at Moorpark High, where he played point guard and shooting guard, said Tim Bednar, who coached Lawrence.

Bednar said that Lawrence, who came from a family of athletes, was talented, yet quiet and humble. After Lawrence graduated in 2003, he continued to participate in summer youth camps

When he returned for the camps, Bednar said, he was known as the "best basketball player that ever came through" the school.

"He was awesome with the kids," Bednar said. "They all wanted to be around Keith Lawrence."

Bednar heard from Lawrence when he needed a recommendation to become a police officer after graduating from the Ventura County Sheriff's Academy. In August, he was hired by USC's public safety department.

John Thomas, the executive director and chief of the department, said that Lawrence was an "honorable, compassionate and professional" member of the community.

"We are a better department and the USC campus community is a safer place as a result of his service," Thomas said in a statement.

On Monday night, Quan's friends gathered outside Walnut High School. One clutched a heart-shaped balloon, another carried a collage of her basketball playing days. Still another held a basketball.

Lawrence's friends and family put up a Facebook page. "RIP Keith Lawrence, you will be missed," it said simply. Within hours, 840 had left comments or indicated they "liked" it. Concordia put up a link to Lawrence's game-winning shot that carried the school into a post-season tournament.

Michelle Thibeault, 27, said in a Facebook message that she had known Quan for more than a decade. The two were on the same athletic teams and went to junior high and high school together. "Monica was loved by everyone," she said.

During a somber gathering at the Cal State Fullerton gymnasium Monday, Foster read a brief statement from Quan's brother Ryan.

"We just shared a moment of incredible joy on her recent engagement," he wrote, and then added: "A bright light was just put out."

nicole.santacruz@latimes.com

kate.mather@latimes.com

lauren.williams@latimes.com

Times staff writer John Canalis contributed to this report.

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Slain Navy SEAL sniper had new book in the works

FORT WORTH, Texas (AP) — A publisher says a former top Navy SEAL sniper and best-selling author who was fatally shot at the weekend had a second book in the works.

Sharyn Rosenblum says Chris Kyle was working on "American Gun: A History of the U.S. in Ten Firearms" with co-author William Doyle. Rosenblum is a spokeswoman for publisher William Morrow.

Kyle's book, "American Sniper," written with Scott McEwen and Jim DeFelice, was released last January. As of Tuesday morning, "American Sniper" was Amazon's No. 1 seller.

Rosenblum says no release date has been set for the new book.

Kyle left the Navy in 2009 after four tours of duty in Iraq, where he earned a reputation as one of the military's most lethal snipers.

Eddie Ray Routh has been charged in Kyle's killing Saturday.

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