Orange Bowl bid, new coach cap wild weekend for NIU

It was an incredible weekend for the Northern Illinois football program.

A 44-37 double-overtime victory over Kent State in the Mid-American Conference championship game kicked off the exhilaration Friday night at Ford Field in Detroit. That was followed by the announcement on Saturday that Dave Doeren had accepted the coaching position at North Carolina State.

On Sunday came the historic news that the Huskies were bound for Miami on New Year's Day to face Florida State in the Orange Bowl, becoming the first team from the MAC to earn a berth in a BCS bowl game.

"We're 12-1," NIU quarterback Jordan Lynch told ESPN. "We faced tons of adversity this year. We won tons of games. … We definitely deserve to be in there."

Capping things off, the school announced Sunday night the head coaching vacancy had been filled by promoting offensive coordinator Rod Carey.

"It has been crazy; it has been nuts. That's the only way to explain it," said Carey, who agreed to a five-year contract. "But it has been good. All of that has been wonderful … and what a privilege for our kids to go to the Orange Bowl. They were so excited they could barely stand up."

While some college observers vehemently argued that NIU didn't belong in the game, Florida State coach Jimbo Fisher told reporters in Tallahassee that he had no such qualms.

"You don't get in this game unless you're a good football team," Fisher said. "It's easy for talking heads to say that (NIU doesn't belong). They've earned the right to be here, they've earned the right to have this opportunity.

"We know we're going to get an inspired opponent, an opponent that's going to be ready to prove something."

NIU now has its third coach in three years. Jerry Kill left after the 2010 season to take the head coaching job at Minnesota. Doeren was 23-4 in just two seasons on the DeKalb campus. NIU athletic director Jeff Compher is hoping for a smooth transition from Doeren to Carey.

"That's why they did what they did in such a short amount of time," Carey said. "Because I have been here and they want the transition to be as seamless as it can be.

"I don't have any reason today to sit here and say that I want to go somewhere else. Listen, I was born in Madison, Wisconsin, and I went to high school in Minneapolis, Minnesota. Joe Novak (former NIU head coach) was the defensive coordinator at Indiana when I played there. So my ties and my knowing about NIU have gone back a long time. And I have wanted to be at this place for a lot of different times in my career. And I finally got here and now this has happened. I don't know why I would want to go anywhere else."

It is not yet clear how many other members of the NIU coaching staff will join Doeren at N.C. State.

"It will be a challenge; I don't know how it will all play out," Carey said. "But I do know that this staff just won back-to-back MAC championships. And as far as I am concerned, it's the finest staff I've worked with. So I would love to coach with all of these guys for a long time."

This year, Carey helped mold an offensive line of five new starters that helped Lynch become one of the best dual-threat quarterbacks in the nation. Carey transitioned into the role of offensive coordinator after the first game of the season when Mike Dunbar had to step away from that role while battling a serious illness.

"Mike Dunbar is one of the most high-character people and unbelievable people I have ever been around," Carey said. I have learned more from that man … he and coach Doeren I have learned more from."

fmitchell@tribune.com

Twitter@kicker34

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Specs surface for alleged low-end $99 Nexus 7

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Olly Murs tops UK single and album charts

LONDON (Reuters) – Singer Olly Murs‘s single “Troublemaker“, featuring U.S. rapper Flo Rida, retained the No. 1 spot in Britain’s pop charts for a second week in a row on Sunday, the Official Charts Company said.

“Troublemaker” is Murs’s fourth No. 1 single in the British charts.

The former contestant on the British version of television talent show ‘The X Factor’ also nabbed the top spot in the album charts with ‘Right Place Right Time’, leaving popular boy band One Direction in second place.

(Reporting by Alessandra Prentice; Editing by Louise Ireland)

Music News Headlines – Yahoo! News

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Vietnam Veterans, Claiming PTSD, Sue for Better Discharges

NEW HAVEN — In the summer of 1968, John Shepherd Jr. enlisted in the Army, figuring that the draft would get him anyway. By January 1969, he was in the Mekong Delta, fighting with the Ninth Infantry Division.

Within a month, his patrol was ambushed, and Mr. Shepherd responded by tossing a hand grenade into a bunker that killed several enemy soldiers. The Army awarded him a Bronze Star with a valor device, one of its highest decorations.

Yet the medal did little to assuage Mr. Shepherd’s sense of anxiousness and futility about the war. A few weeks after his act of heroism, he said, his platoon leader was killed by a sniper as he tried to help Mr. Shepherd out of a canal. It was a breaking point: his behavior became erratic, and at some point he simply refused to go on patrol.

“I never felt fear like I felt when he got shot,” Mr. Shepherd said last week.

After a court-martial, the Army discharged Mr. Shepherd under other-than-honorable conditions, then known as an undesirable discharge. At the time, he was happy just to be a civilian again. But he came to rue that discharge, particularly after his claim for veterans benefits was denied because of it.

Today, Mr. Shepherd, 65, is part of a class-action lawsuit against the armed forces arguing that he and other Vietnam veterans had post-traumatic stress disorder when they were issued other-than-honorable discharges. The suit, filed in Federal District Court, demands that their discharges be upgraded.

The suit raises two thorny issues that could affect thousands of Vietnam veterans: Can they be given a diagnosis of PTSD retroactively, to their time in service, though the disorder was not identified until 1980? And if they can, should recently instituted policies intended to protect troops with PTSD be applied retroactively to their cases?

Mr. Shepherd’s legal team, students with the Yale Law School veterans legal clinic, argues yes on both counts. In court papers, they assert that it is reasonable to assume that Mr. Shepherd and other veterans who were later given PTSD diagnoses began exhibiting troublesome symptoms while in service.

Moreover, under rules put in place during the Iraq war, troops who say they have PTSD must be given medical examinations before they are forced out of the military, to ensure that problematic behavior is not linked to the disorder. If they are given a PTSD diagnosis, service members may still receive an honorable discharge.

“Vietnam War-era veterans, in contrast, have been denied this opportunity for appropriate consideration of the PTSD,” the students said in the complaint.

But the Army says no. In a rejection of an earlier request by Mr. Shepherd to upgrade his discharge, the Army tersely rejected evidence that his misconduct 43 years ago was linked to PTSD and raised questions about whether his platoon leader was actually killed.

A spokesman for the Army said the military has a policy of not discussing pending litigation.

The details of Mr. Shepherd’s case aside, the suit could have a wide impact. The Yale team says that its review of records from 2003 to 2012 shows that 154 Vietnam-era veterans petitioned the Army to upgrade discharges because of PTSD, but that only two were successful. Yet the Army Board of Corrections for Military Records granted upgrades nearly half of the time for other cases.

The students estimate that more than a quarter million Vietnam-era veterans were discharged under other-than-honorable conditions, and that thousands of those probably had PTSD. Their suit names as defendants the secretaries for the Army, Air Force and Navy. Vietnam Veterans of America, the veterans service organization, is joining the case as a plaintiff on Monday.

Discharges that are other than honorable can make it harder for veterans to find work and also disqualify them for veterans benefits.

In Mr. Shepherd’s case, a Department of Veterans Affairs doctor in 2004 gave him a diagnosis of service-connected PTSD. As a result, the department will provide health care for his PTSD. But it will not provide him general medical care, unless he is found to have other health problems related to his service.

Veterans disability compensation is also a problem. Mr. Shepherd’s undesirable discharge was actually upgraded to a general discharge in the 1970s under a special Carter administration program. That upgrade should have made it easier for him to apply for disability compensation. But subsequent legislation enacted by Congress said that clemency upgrades like Mr. Shepherd’s did not automatically qualify veterans for benefits. Mr. Shepherd’s compensation claim was ultimately rejected.

Mr. Shepherd, who has been divorced twice and battled through alcoholism and drug abuse, lives in New Haven, getting by on Social Security and a Teamsters pension. (He drove trucks for years.) He could use the extra money from disability compensation, but what matters as much, he says, is removing the stain of his discharge.

“I want that honorable,” he said. “I did do my part, until I really felt it wasn’t worth getting killed for.”

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Heat is on Groupon's Andrew Mason

In June 2011, Groupon Inc. Chief Executive Andrew Mason took the stage at a conference hosted by influential technology blog AllThingsD.

When co-executive editor Kara Swisher asked him whether an initial public offering was coming soon, he shot her what she later dubbed his "death stare."

The audience laughed and broke into applause.

The tone was decidedly more subdued last week, when Mason found himself at another tech industry confab, fielding questions from Business Insider's Henry Blodget, this time about whether Groupon's directors were going to fire him at their meeting the next day. AllThingsD had reported a day earlier, citing anonymous sources, that Groupon's board of directors was considering replacing Mason with a more experienced CEO to lead the Chicago-based daily deal company's turnaround.

The contrast between those two appearances underscores the swift and dramatic tumble of Mason's standing in tech and business circles within a few years. The young founder and CEO graced the cover of Forbes in 2010 and was named Ernst & Young's National Entrepreneur of the Year in the "emerging" category a year later.

Those accolades are a far cry from the cloud hanging over Mason, 32, and the company he launched four years ago. The leak to AllThingsD appeared to be deliberately timed to embarrass the executive, forcing him to field questions about his own competence at a scheduled appearance. This public hint of internal strife has fueled speculation around Mason's fate even as other public tech companies, such as Facebook and social game-maker Zynga, have also seen their stock prices drop since their IPOs.

Groupon's board met Thursday and took no action on the CEO's job, with company spokesman Paul Taaffe saying the board and management were "working together with their heads down to achieve Groupon's objectives."

Markets, however, seemed unconvinced. Groupon's beleaguered stock closed slightly higher Thursday but dropped 8.7 percent to $4.14 Friday. Shares debuted at $20 in November 2011.

Investors "want experience in leadership," said Raman Chadha, a clinical professor at DePaul University and co-founder of the Junto Institute for Entrepreneurial Leadership, a training program for startup founders. "And as a result, where Andrew's background was cool and sexy — and maybe even bordering on amusing — when Groupon was a pure startup, that's in the mindset of those of us who are observers and supporters … and fellow entrepreneurs. I think in the minds of the investor community and Wall Street, (it's different) because now the company has a lot more to lose. And if it's going to fall, it's going to fall really hard and really far."

For Chadha, Mason's unconventional pedigree as a music major-turned-startup-founder was part of the appealing, media-friendly story of Groupon's origin. The company was launched as recession-weary consumers were eager for deals, and it achieved rapid growth while earning a reputation for antics like decorating a conference room in the style of a fictional, possibly deranged tenant of Groupon's headquarters who had lived there before the startup moved into the offices.

The scrutiny of Groupon was tremendous given the "high-flying" nature of the company, said David Larcker, a corporate governance expert at the Stanford Graduate School of Business.

"You have a founder as CEO," he said. "He's the public face of the company. He has set the culture. All of that stuff."

That culture, driven in large part by Mason, turned from a lovable quirk to a major liability as the company ran into controversy over its poorly received Super Bowl ads in February 2011 and a series of missteps in the run-up to its IPO. Then, within months of its public debut, it disclosed an accounting flaw that forced it to restate financial results.

The larger question surrounding Groupon is the long-term viability of its basic business model. The company has been expanding offerings beyond its core daily deals, which have seen growth rates tail off. It's also dealing with a recession in the key European market as well as continued competition in the U.S.

But the biggest challenge facing Mason now is probably his own performance, or rather the perception that he isn't up to the task of running the global, publicly traded business worth billions that he founded but that now needs a turnaround. The stock is down 80 percent from its IPO price.

"It's an oft-told, oft-expected story that the genius entrepreneur steps aside when he or she succeeds at building a company big enough to need an experienced CEO," said Erik Gordon, a business professor at the University of Michigan.

The example Gordon and others cite is Google, which flourished after its co-founders Larry Page and Sergey Brin made way for a more seasoned executive in Eric Schmidt.

"The Google guys did it, and the results were spectacular," Gordon said.

Chadha said many startups tend to become more corporate in outlook, and less quirky, as they grow, because they bring in experienced executives from large companies that may have difficulty adapting to an entrepreneurial culture or reject it outright as not professional enough.

"I think that's where Google is very different," Chadha said. "(The company) sought out entrepreneurial, startup types — people that became part of their management team." That free-form element of Google's culture comes out in such things as the Google doodles — the offbeat tributes to notable anniversaries or famous people that pop up on the main search page.

Mason has acknowledged areas where Groupon needs to improve and has hired senior executives with experience at more mature tech companies. That hasn't always worked either. Margo Georgiadis, who came from Google as chief operating officer, returned to that company after five months.

Whether there's still room for Mason on the top management team remains to be seen. He was direct in his interview last week with Blodget, offering a minimum of jokes as he focused on discussing the job he and others at Groupon must accomplish.

"I care far more about the success of the business than I care about my role as CEO," he said.

A year ago, when he spoke to author Frank Sennett for his book "Groupon's Biggest Deal Ever," Mason was unapologetic about his management style.

"You only live once, and all I'm doing is being myself," he told Sennett. "I think a normal CEO is trying to appear in some way that's not actually them. That's probably not what they're like."

In the same book, former President and Chief Operating Officer Rob Solomon offered this blunt assessment of his ex-boss: "Andrew at thirty-five and forty is going to hate Andrew at twenty-nine and thirty; I guarantee it."

Melissa Harris and Bloomberg News contributed.

wawong@tribune.com

Twitter @VelocityWong

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Kansas City Chiefs linebacker kills girlfriend, self

Chiefs Player Involved in Murder-Suicide (Posted Dec. 1st, 2012)

Minutes after fatally shooting his girlfriend Saturday morning in the home they shared, Kansas City Chiefs linebacker Jovan Belcher drove five miles to the team's practice facility and parked out front.

The 25-year-old player got out of his car, and, while holding a gun to his head, spoke briefly with Chiefs coach Romeo Crennel and General Manager Scott Pioli, who had come outside to meet him. He thanked them for the opportunity to play in the NFL.

When police arrived on the scene, Belcher turned, walked about 30 feet west toward an empty parking lot, pulled the trigger and took his life.

Around the same time, Belcher's girlfriend, Kasandra Perkins, 22, was being taken to the hospital. She died about 30 minutes after she was shot. The couple had a 3-month-old daughter who was in the house at the time of the shooting but was in another room. It was Belcher's mother, who had recently moved into the home from New York, who called police.

“Think about your worst nightmare and multiply it by five,” Kansas City Mayor Sly James told the Kansas City Star after meeting with Pioli at the stadium. “Put somebody you know and love into that situation, and give them a gun, and stand three feet away from them and watch them kill themselves … . It's unfathomable.”

The Chiefs, who play host today to the Carolina Panthers, had scheduled a team meeting for 9:30 a.m. — about 11/2 hours before Belcher pulled into the parking lot — so there were about 20 people at the facility when he shot himself.

“The entire Chiefs family is deeply saddened by [Saturday's] events, and our collective hearts are heavy with sympathy, thoughts and prayers for the families and friends affected by this unthinkable tragedy,” Chiefs owner Clark Hunt said in a statement released by the team.

The horrific murder-suicide reverberated through the NFL on what is typically a quiet day of preparation for games.

“He was a great kid, one of my favorites,” said former Chiefs coach Todd Haley, now offensive coordinator for the Pittsburgh Steelers. “He hugged me after the game when we played them a couple weeks ago and was bragging about his new daughter.

“ ... It's crazy. In season, nothing like has ever happened, nothing of this magnitude that I can remember.”

Belcher and Perkins reportedly had a tumultuous relationship and, police said, had been fighting in the hour leading up to the shooting. Perkins had been out late Friday night, attending a Trey Songz concert. Haley said Belcher and Perkins had met through another Chiefs player.

On her Facebook page, Perkins, who is from Dallas, posted several pictures of the couple and their daughter, including one of Belcher gently cradling the baby. That photo's caption reads “My loves.”

Another picture features Belcher leaping over a player to get to Arizona's quarterback and is captioned “In LOVE with SUPERMAN.”

Among the “likes” on Belcher's Facebook page was one for “Male Athletes Against Violence,” a project founded at his alma mater, the University of Maine, aimed at raising awareness about the problem of male violence against women.

Belcher grew up in Long Island, N.Y., and was an outstanding wrestler. Maine was the only school that offered him a football scholarship. From there, he made the improbable rise from undrafted free agent in 2009 to starting inside linebacker for Kansas City.

“Coming from a small high school, a small college, you're looked down upon like you can't do some of the things that other kids are doing who went to bigger schools,” Belcher told the Star in 1999. “In my position, I've always been the underdog.”

He was second on the team with 87 tackles last season, and had 38 in 11 games for the 1-10 Chiefs this season.

“I am devastated and heartbroken,” Chiefs offensive lineman Jeff Allen wrote on Twitter. “I'm sending prayers out to everyone involved. Always show love and never be afraid to talk.”

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Zynga stock falls after Facebook terms change

NEW YORK (AP) — Shares of Zynga slumped Friday after it disclosed with its partner Facebook that they have loosened their close ties to one another.

THE SPARK: The companies said in regulatory filings Thursday that they have amended their 2010 contract to say Zynga will no longer have to display Facebook ads or use Facebook payments on its own properties, such as Zynga.com.

In addition, Zynga, which makes the games “FarmVille” and “CityVille,” will no longer be required to use Facebook as the exclusive social site for its games, or to grant Facebook exclusive games. Any social game Zynga launches will also be available on Facebook either at the same time or shortly after it launches elsewhere.

Facebook, meanwhile, will be able to develop its own games after the end of March, though it said it has no plans to do so. Its deal with Zynga previously prohibited Facebook from developing games.

THE BIG PICTURE: While it’s not exactly splitsville, the original 2010 contract gave Zynga special status among Facebook game developers. Zynga relies on Facebook for most of the revenue it generates even as it works to establish its independence.

Facebook also makes money from Zynga, though the portion of its revenue that the game maker accounts for has declined. In the third quarter, Facebook said that 7 percent of its total revenue came from Zynga, down from 12 percent in the third quarter of 2011.

ANALYSIS: Wedbush analyst Michael Pachter said while Zynga investors reacted badly to the news, he sees the changes as a long-term positive for both companies.

“Zynga now has an incentive to expand the reach of its most popular social games beyond Facebook and Zynga.com and be able to offer additional payment options, likely resulting in additional payers who are not Facebook users,” the analyst wrote in a note to investors.

Pachter rates Zynga “Outperform” with a target price of $ 4.

STOCK ACTION: Shares of San Francisco’S Zynga Inc. fell 19 cents, or 7.3 percent, to $ 2.43 in afternoon trading. Zynga went public in December 2011 at a price of $ 10 per share but its stock have fallen sharply amid concerns about its ability to keep growing quickly.

Social Media News Headlines – Yahoo! News

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Strauss-Kahn in preliminary deal to settle case with maid

NEW YORK/PARIS (Reuters) – Former IMF head Dominique Strauss-Kahn has reached a preliminary agreement to settle a civil lawsuit brought against him by a hotel maid who accused him of sexual assault last year, sources familiar with the case said.

U.S. and France-based lawyers for Strauss-Kahn, who was once tipped to become French president, on Friday acknowledged a deal was under discussion, but said it had not yet been finalized.

They also denied as “flatly false” and “fanciful” a report that he agreed on a $ 6 million settlement.

“The parties have discussed a resolution but there has been no settlement. Mr. Strauss-Kahn will continue to defend the charges if no resolution can be reached,” Strauss-Kahn’s U.S. lawyers, William Taylor and Amit Mehta, said in a statement.

“Media reports that Dominique Strauss-Kahn has agreed to pay six million dollars to settle the civil case are flatly false.”

French daily Le Monde, citing people close to Strauss-Kahn, said he and the maid Nafissatou Diallo would meet a judge in New York on December 7 to sign a $ 6 million settlement and close an affair that ended the Frenchman’s International Monetary Fund career and wrecked his presidential ambitions.

“The discussions have been going on for weeks, months. The agreement should be confirmed at the start of next week,” Michele Saban, a friend of Strauss-Kahn who saw him recently, told Reuters in Paris. She could not confirm the sum involved.

“We are moving towards the end of a tragedy,” she said, adding that Diallo had always been open to negotiating a settlement despite reticence from her lawyers.

Le Monde said 63-year-old Strauss-Kahn planned to take out a bank loan for $ 3 million and would be lent the other $ 3 million by his wife Anne Sinclair, despite the fact the couple separated in the summer and now live on different sides of Paris.

Strauss-Kahn’s Paris-based legal team declined to comment on whether a deal had been reached with Diallo, but denied Le Monde’s report of the sum involved.

“Neither Dominique Strauss-Kahn nor his lawyers will comment on proceedings in the United States. That said, however, they strenuously deny the erroneous and fanciful information relayed by Le Monde,” said a statement from the Paris lawyers.

The New York Times, which first reported the development, also said the pair would appear before a judge in New York next week. It said the settlement sum could not be determined.

END OF THE AFFAIR

News of the U.S. deal comes as Strauss-Kahn is awaiting a decision by a French court on December 19 on whether to call off a sex offence inquiry involving parties in Lille attended by prostitutes, where he risks trial on a charge of “aggravated pimping”.

If that case is dropped and Diallo ends her civil case, Strauss-Kahn would have a freer rein to pursue his consultancy work and could even consider a tentative return to public life in France, where he has been shunned since the Diallo scandal.

Images of the then IMF chief paraded before TV cameras in handcuffs before being charged with attempted rape shocked the world and led to French media raking over smutty details of the former finance minister’s private life.

“That’s the end, not only of this affair, but of any potential affair because one of the reasons for signing this kind of agreement is that both parties agree that they will never again bring a lawsuit,” Christopher Mesnooh, a U.S. lawyer who practices in France, said of the Diallo agreement.

“There will always be people who wonder about what happened in New York and in Lille, but from a legal standpoint if he gets all this behind him, he’s a free man,” he added.

Diallo alleged that Strauss-Kahn forced her to perform oral sex on May 14, 2011, in his suite at the Manhattan Sofitel.

The criminal prosecution fell apart after doubts emerged concerning Diallo’s credibility as a witness and the attempted rape charges against Strauss-Kahn were eventually dropped.

Strauss-Kahn, who in May 2011 was days from entering this year’s French presidential election, has maintained that the sexual encounter was consensual, although he said in a TV interview after his return to France that he regretted his “moral error”.

He filed his own countersuit against the maid earlier this year, claiming that Diallo’s accusations had destroyed his career and harmed his reputation.

In recent months, Strauss-Kahn has been making a comeback under-the-radar with a handful of speaking engagements at private conferences and by setting up a business consultancy firm in Paris.

(Reporting by Noeleen Walder in New York and Emmanuel Jarry, Johnny Cotton and Thierry Leveque in Paris; Writing by Catherine Bremer and Brian Love; Editing by Jon Hemming)

Celebrity News Headlines – Yahoo! News

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Opinion: A Health Insurance Detective Story

I’VE had a long career as a business journalist, beginning at Forbes and including eight years as the editor of Money, a personal finance magazine. But I’ve never faced a more confounding reporting challenge than the one I’m engaged in now: What will I pay next year for the pill that controls my blood cancer?

After making more than 70 phone calls to 16 organizations over the past few weeks, I’m still not totally sure what I will owe for my Revlimid, a derivative of thalidomide that is keeping my multiple myeloma in check. The drug is extremely expensive — about $11,000 retail for a four-week supply, $132,000 a year, $524 a pill. Time Warner, my former employer, has covered me for years under its Supplementary Medicare Program, a plan for retirees that included a special Writers Guild benefit capping my out-of-pocket prescription costs at $1,000 a year. That out-of-pocket limit is scheduled to expire on Jan. 1. So what will my Revlimid cost me next year?

The answers I got ranged from $20 a month to $17,000 a year. One of the first people I phoned said that no matter what I heard, I wouldn’t know the cost until I filed a claim in January. Seventy phone calls later, that may still be the most reliable thing anyone has told me.

Like around 47 million other Medicare beneficiaries, I have until this Friday, Dec. 7, when open enrollment ends, to choose my 2013 Medicare coverage, either through traditional Medicare or a private insurer, as well as my drug coverage — or I will risk all sorts of complications and potential late penalties.

But if a seasoned personal-finance journalist can’t get a straight answer to a simple question, what chance do most people have of picking the right health insurance option?

A study published in the journal Health Affairs in October estimated that a mere 5.2 percent of Medicare Part D beneficiaries chose the cheapest coverage that met their needs. All in all, consumers appear to be wasting roughly $11 billion a year on their Part D coverage, partly, I think, because they don’t get reliable answers to straightforward questions.

Here’s a snapshot of my surreal experience:

NOV. 7 A packet from Time Warner informs me that the company’s new 2013 Retiree Health Care Plan has “no out-of-pocket limit on your expenses.” But Erin, the person who answers at the company’s Benefits Service Center, tells me that the new plan will have “no practical effect” on me. What about the $1,000-a-year cap on drug costs? Is that really being eliminated? “Yes,” she says, “there’s no limit on out-of-pocket expenses in 2013.” I tell her I think that could have a major effect on me.

Next I talk to David at CVS/Caremark, Time Warner’s new drug insurance provider. He thinks my out-of-pocket cost for Revlimid next year will be $6,900. He says, “I know I’m scaring you.”

I call back Erin at Time Warner. She mentions something about $10,000 and says she’ll get an estimate for me in two business days.

NOV. 8 I phone Medicare. Jay says that if I switch to Medicare’s Part D prescription coverage, with a new provider, Revlimid’s cost will drive me into Medicare’s “catastrophic coverage.” I’d pay $2,819 the first month, and 5 percent of the cost of the drug thereafter — $563 a month or maybe $561. Anyway, roughly $9,000 for the year. Jay says AARP’s Part D plan may be a good option.

NOV. 9 Erin at Time Warner tells me that the company’s policy bundles United Healthcare medical coverage with CVS/Caremark’s drug coverage. I can’t accept the medical plan and cherry-pick prescription coverage elsewhere. It’s take it or leave it. Then she puts CVS’s Michele on the line to get me a Revlimid quote. Michele says Time Warner hasn’t transferred my insurance information. She can’t give me a quote without it. Erin says she will not call me with an update. I’ll have to call her.

My oncologist’s assistant steers me to Celgene, Revlimid’s manufacturer. Jennifer in “patient support” says premium assistance grants can cut the cost of Revlimid to $20 or $30 a month. She says, “You’re going to be O.K.” If my income is low enough to qualify for assistance.

NOV. 12 I try CVS again. Christine says my insurance records still have not been transferred, but she thinks my Revlimid might cost $17,000 a year.

Adriana at Medicare warns me that AARP and other Part D providers will require “prior authorization” to cover my Revlimid, so it’s probably best to stick with Time Warner no matter what the cost.

But Brooke at AARP insists that I don’t need prior authorization for my Revlimid, and so does her supervisor Brian — until he spots a footnote. Then he assures me that it will be easy to get prior authorization. All I need is a doctor’s note. My out-of-pocket cost for 2013: roughly $7,000.

NOV. 13 Linda at CVS says her company still doesn’t have my file, but from what she can see about Time Warner’s insurance plans my cost will be $60 a month — $720 for the year.

CVS assigns my case to Rebecca. She says she’s “sure all will be fine.” Well, “pretty sure.” She’s excited. She’s been with the company only a few months. This will be her first quote.

NOV. 14 Giddens at Time Warner puts in an “emergency update request” to get my files transferred to CVS.

Frank Lalli is an editorial consultant on retirement issues and a former senior executive editor at Time Warner’s Time Inc.

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After a billion, what next for Facebook?

MENLO PARK — In just eight years, Facebook signed up more than half the world's Internet population.

Now it's going after the rest.

Facebook wants to reach every single person on the Internet whether they are logging on from a laptop in Santa Monica, an iPhone in Tokyo or a low-tech phone with a tiny screen in Nairobi.

It's parachuting into market after market to take on homegrown social networks by currying favor with the locals and venturing where many people have spotty — if any — access to the Internet.

In Japan, it lets users list their blood types, which the Japanese believe — like astrological signs in the Western world — give insight into personality and temperament. In Africa, Facebook markets a stripped-down, text-only version of its service that works on low-tech mobile phones.

International growth is crucial to maintain its dominance as the world's largest social network. The company's scorching pace of growth has cooled especially in the United States. Facebook must coax users to sign up — and make sure it remains popular with the users it already has — or risk being knocked from its lofty perch.

"We're not a company that is just trying to add more people," said Chris Cox, Facebook's vice president of product. "What we are trying to do is build a service that everyone in the world can use."

But overseas growth that once seemed to come so easily is slower now. Facebook has already saturated most major markets around the globe. Eight out of 10 Facebook users are outside of the U.S.

"I don't think that Facebook has a chance of attracting another billion users," Wedbush Securities analyst Michael Pachter said.

Inside Facebook's Menlo Park, Calif., headquarters is a small army out to prove naysayers wrong. Above their desks they have hung flags from around the world that represent their nationalities. They obsessively scan screens that track user growth around the world.

They cheered and popped open champagne in September when the number of active Facebook users crossed 1 billion. But the moment of jubilation quickly passed as they redoubled their efforts to spread Facebook around the globe.

Naomi Gleit is the soft-spoken, headstrong 29-year-old product manager in charge of growth at Facebook. She says Facebook's future is on mobile devices, the medium by which most people will experience the Web in coming years. Facebook now works on more than 2,500 different phones, helping it gain a foothold in emerging markets. And it is forging relationships with mobile phone operators around the world.

Gleit's 150-member team has boots on the ground in far-flung places armed with low-tech phones and cheap data plans. Even team members here carry Nokia phones alongside their iPhones to update their status or check their News Feed.

"We originally built a product for ourselves," Gleit said. "This is different. Now we need to understand the experience of users who are not like us."

Analysts say Facebook already has established an impressive track record of uprooting entrenched competitors. In Britain, it displaced the dominant social network Bebo, forcing AOL to sell it at a huge loss. In Germany, Facebook overtook the homegrown StudiVZ. Facebook even broke Google social network Orkut's stranglehold on Brazil and India.

In 2009, it launched a clever tool to help Facebook users find their Orkut friends on Facebook and instantly send them friend requests. Two years later it swiped Google's top executive in Latin America, Alexandre Hohagen. Facebook sprinted ahead of Orkut one year ago, and now has 61 million active users in Latin America's largest country.

Facebook is treating India as a test lab for how it can spread in other emerging markets such as Indonesia. Facebook, which has offices in Hyderabad, India, has grown from 8 million users in 2010 to 65 million users today. It is aggressively targeting India's youth. A few hundred young Indian programmers recently jammed a Facebook hackathon at a Bangalore convention center to chug chai and brainstorm new apps that would appeal to their friends.

But Facebook has its eyes on a much bigger prize beyond the country's 100 million Internet users: the 900 million-plus Indians on mobile phones. Some analysts predict India will have more Facebook users than any other country including the United States by 2015.

The company also faces significant challenges in India. It must make the service captivating on low-tech mobile phones with unreliable Internet connections and it must gingerly navigate demands from the Indian government to remove objectionable content without alienating users.

Facebook is making some of its biggest moves in Russia, South Korea and Japan, the only major markets where it operates but has penetration of less than 50%, according to research firm ComScore.

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