G20 steps back from currency brink, heat off Japan


MOSCOW (Reuters) - The Group of 20 nations declared on Saturday there would be no currency war and deferred plans to set new debt-cutting targets, underlining broad concern about the fragile state of the world economy.


Japan's expansive policies, which have driven down the yen, escaped direct criticism in a statement thrashed out in Moscow by policymakers from the G20, which spans developed and emerging markets and accounts for 90 percent of the world economy.


Analysts said the yen, which has dropped 20 percent as a result of aggressive monetary and fiscal policies to reflate the Japanese economy, may now continue to fall.


"The market will take the G20 statement as an approval for what it has been doing -- selling of the yen," said Neil Mellor, currency strategist at Bank of New York Mellon in London. "No censure of Japan means they will be off to the money printing presses."


After late-night talks, finance ministers and central bankers agreed on wording closer than expected to a joint statement issued last Tuesday by the Group of Seven rich nations backing market-determined exchange rates.


A draft communiqué on Friday had steered clear of the G7's call for economic policy not to be targeted at exchange rates. But the final version included a G20 commitment to refrain from competitive devaluations and stated monetary policy would be directed only at price stability and growth.


"The mood quite clearly early on was that we needed desperately to avoid protectionist measures ... that mood permeated quite quickly," Canadian Finance Minister Jim Flaherty told reporters, adding that the wording of the G20 statement had been hardened up by the ministers.


As a result, it reflected a substantial, but not complete, endorsement of Tuesday's proclamation by the G7 nations - the United States, Japan, Britain, Canada, France, Germany and Italy.


As with the G7 intervention, Tokyo said it gave it a green light to pursue its policies unchecked.


"I have explained that (Prime Minister Shinzo) Abe's administration is doing its utmost to escape from deflation and we have gained a certain understanding," Finance Minister Taro Aso told reporters.


"We're confident that if Japan revives its own economy that would certainly affect the world economy as well. We gained understanding on this point."


Flaherty admitted it would be difficult to gauge if domestic policies were aimed at weakening currencies or not.


NO FISCAL TARGETS


The G20 also made a commitment to a credible medium-term fiscal strategy, but stopped short of setting specific goals as most delegations felt any economic recovery was too fragile.


The communiqué said risks to the world economy had receded but growth remained too weak and unemployment too high.


"A sustained effort is required to continue building a stronger economic and monetary union in the euro area and to resolve uncertainties related to the fiscal situation in the United States and Japan, as well as to boost domestic sources of growth in surplus economies," it said.


A debt-cutting pact struck in Toronto in 2010 will expire this year if leaders fail to agree to extend it at a G20 summit of leaders in St Petersburg in September.


The United States says it is on track to meet its Toronto pledge but argues that the pace of future fiscal consolidation must not snuff out demand. Germany and others are pressing for another round of binding debt targets.


"We had a broad consensus in the G20 that we will stick to the commitment to fulfill the Toronto goals," German Finance Minister Wolfgang Schaeuble said. "We do not have any interest in U.S.-bashing ... In St. Petersburg follow-up-goals will be decided."


The G20 put together a huge financial backstop to halt a market meltdown in 2009 but has failed to reach those heights since. At successive meetings, Germany has pressed the United States and others to do more to tackle their debts. Washington in turn has urged Berlin to do more to increase demand.


Backing in the communiqué for the use of domestic monetary policy to support economic recovery reflected the U.S. Federal Reserve's commitment to monetary stimulus through quantitative easing, or QE, to promote recovery and jobs.


QE entails large-scale bond buying -- $85 billion a month in the Fed's case -- that helps economic growth but has also unleashed destabilising capital flows into emerging markets.


A commitment to minimize such "negative spillovers" was an offsetting point in the text that China, fearful of asset bubbles and lost export competitiveness, highlighted.


"Major developed nations (should) pay attention to their monetary policy spillover," Vice Finance Minister Zhu Guangyao was quoted by state news agency Xinhua as saying in Moscow.


Russia, this year's chair of the G20, admitted the group had failed to reach agreement on medium-term budget deficit levels and expressed concern about ultra-loose policies that it and other emerging economies say could store up trouble for later.


On currencies, the G20 text reiterated its commitment last November, "to move more rapidly toward mores market-determined exchange rate systems and exchange rate flexibility to reflect underlying fundamentals, and avoid persistent exchange rate misalignments".


It said disorderly exchange rate movements and excess volatility in financial flows could harm economic and financial stability.


(Additional reporting by Gernot Heller, Lesley Wroughton, Maya Dyakina, Tetsushi Kajimoto, Jan Strupczewski, Lidia Kelly, Katya Golubkova, Jason Bush, Anirban Nag and Michael Martina. Writing by Douglas Busvine. Editing by Timothy Heritage/Mike Peacock)



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Death Toll Grows in Pakistan Explosion


Agence France-Presse — Getty Images


A bomb killed scores of people on Saturday at a market in Quetta, Pakistan, in a Shiite minority neighborhood.







ISLAMABAD, Pakistan — Hundreds of Shiite women staged a sit-in in the western city of Quetta on Sunday evening to mourn the 84 people who were killed in an explosion a day earlier in a crowded market there, and they demanded that the government arrest the attackers.




Grieving relatives declined to bury their dead until the government promised to track down those responsible for carrying out brazen attacks against Hazaras, a Shiite ethnic minority, in the city.


Government officials said a team, led by a high-ranking police official, was investigating.


Protests and sit-ins were also held in other major cities on Sunday, as Shiite leaders condemned the government’s inability of the government to curb the killings.


The attack on Saturday took place in Hazara Town, one of two enclaves in Quetta for Hazaras, who have suffered numerous attacks at the hands of Sunni death squads in recent years.


The police said that explosives were hidden in a water-supply truck. It remained unclear how the truck had managed to enter the busy market, avoiding detection by police and intelligence specialists. The police said the bomb was apparently set off by a remote-controlled device, possibly hidden in a rickshaw. The explosion caused a building to collapse, and three other structures were heavily damaged.


Shiite leaders have also called for a strike in Karachi, the southern port city, on Monday. The Muttahida Qaumi Movement, Karachi’s most powerful political party, said it would support a strike.


The growing sense of insecurity and vulnerability felt by Shiites was evident in angry speeches by leaders across the country on Sunday.


Allama Asghar Askari, a Shiite leader, sharply criticized the country’s law enforcement authorities at a rally here in the nation’s capital. “If the law-enforcement forces had targeted the militant strongholds with real intent, people would not have seen such a day,” Mr. Askari said to hundreds of protesters. One was holding up a placard that said “Stop Shiite genocide.”


Some Shiites have suggested that Army troops should be sent to Quetta to quell the sectarian violence, but for now neither the government nor the military has given any indication of a deployment.


The police in Quetta and the Frontier Corps, a provincial paramilitary force, have come under heavy criticism as violence has escalated and militants belonging to Lashkar-e-Jhangvi, the largest sectarian group, have targeted Shiites with impunity in Baluchistan Province, where Quetta is the capital.


“Militants term Hazaras as ‘impure’ and have vowed to ‘cleanse Quetta of their presence,’ ” Tahir Hussain, the city’s representative for the Human Rights Commission of Pakistan, said in an interview.


The killings have forced at least 20,000 Hazaras to leave the city, Mr. Hussain said, adding that militants have a heavy presence in the Mastung district of Baluchistan Province. More than 300 Shiites, many of them Hazaras, have been killed in Baluchistan since 2008, according to Human Rights Watch.


The Frontier Corps and the police have shown little willingness to clamp down on militant strongholds in Mastung, Mr. Hussain said.


“They know who are the perpetrators,” he said. “But apart from giving empty assurances, the high-ups of law-enforcement have not done anything.”


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BlackBerry Z10 not seen as a success, BlackBerry’s services business again called into question






BlackBerry (BBRY) shares continued down on Thursday morning after a research note from Wednesday evening called the company’s comeback prospects into question once again. In a note to investors picked up by Barron’s, National Bank Financial analyst Kris Thompson cut his revenue and profit forecast for BlackBerry’s upcoming fiscal year while casting doubt on its prospects with the BlackBerry Z10 in light of what he calls a delayed U.S. launch.


[More from BGR: Huge iPhone security vulnerability discovered in iOS 6.1 [video]]






“For the record, we like the Z10. It’s a great upgrade for BlackBerry subscribers,” Thompson wrote. “But we don’t see the product reversing BlackBerry’s market share decline; only providing a short-term stabilization from BB6/7 upgrades. We do not expect the platform to win over many iOS or Android users. The apps just aren’t there; and apps are not moving to the web browser soon enough to fill this void.”


[More from BGR: Samsung reportedly plans to sell 100M Galaxy S IV phones, could pull resources away from Apple]


He continued, “Z10 product launch delay an ominous sign. The bulls will say that the Z10 launched in Canada and the UK first because those are very loyal bases, production runs couldn’t support the U.S. launch, or kinks can be worked out ahead of the U.S. launch. We’d say the U.S. carriers have enough smartphones that they test new ones to their own drum beat and aren’t too interested in paying the monthly BlackBerry subscriber fee.”


Elaborating on his comment regarding BlackBerry’s services business, Thompson went on to paint a dark picture of BlackBerry’s earnings moving forward.


“The product delays do not have a major impact on our estimates (although sell-through may be worse than expected given the multitude of competing devices that will now launch at the same time),” he wrote. “Our prelim F2015 estimates suggest earnings will worsen as the high-margin service revenue is subject to a significant decline as the install base dumps BB7 (and predecessor) handsets and adopt BB10 handsets.”


Thompson noted that since BlackBerry executives have not been forthcoming with details surrounding BlackBerry 10 service fees or legacy fee concessions considering carriers will likely no longer pay fees for non-enterprise users, National Bank Financial has had to make some assumptions.


“Many BB10 users will not pay a monthly fee – we have assumed consumer BB10 subs pay nothing and enterprise (BES10) subs pay $ 3/month (less than half of historical, which is a guess… data plans need to be re-negotiated because the BB10 devices require more data since, for instance, the browser no longer compresses data, which was a major drag on browser performance),” the analyst wrote.


Thompson reiterated his Underperform rating on BlackBerry shares along with his $ 10 price target.


This article was originally published on BGR.com


Gadgets News Headlines – Yahoo! News




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Make Sheila G. Main's Truffles









02/16/2013 at 06:30 PM EST








Andrew Purcell; Inset: Courtesy Sheila G. Main


Oscar night is just around the corner so start prepping your viewing party menu now! Take inspiration from any of the films nominated or replicate what Sheila G. Main, the creator of the Original Brownie Brittle snack, will serve at studio head Harvey Weinstein's Oscar party!

Brownie Truffles


Makes 22 to 24 truffles

• 6 oz. semisweet chocolate, chopped
• 2 oz. unsweetened chocolate, chopped
• 8 tbsp. unsalted butter, cut into quarters
• 3 large eggs
• 1 ¼ cups sugar
• 2 tsp. vanilla
• ½ tsp. salt
• 1 cup flour
• 2 tbsp. unsweetened cocoa powder
• 1–2 tbsp. Grand Marnier
• 1 oz. (2 tbsp.) champagne

1. Preheat oven to 350°. Grease an 8x8-in. baking pan. In a bowl, melt chocolates and butter in microwave on high for 2 minutes. Stir until smooth. Let cool.

2. In a large bowl, whisk together eggs, sugar, vanilla and salt. Stir in the chocolate mixture. In a medium bowl, whisk together flour and cocoa powder. Stir it into the chocolate mixture. Do not over mix. Pour batter into pre-pared pan. Bake for 25 minutes. (Brownies will be slightly underbaked.) Let cool.

3. Cut brownies into pieces and mix in food processor, along with Grand Marnier and champagne until creamy. Chill for at least 1 hour. Use an ice cream scoop to make truffles. Roll into balls, then roll in sanding sugar or a coating of your choice.

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UN warns risk of hepatitis E in S. Sudan grows


GENEVA (AP) — The United Nations says an outbreak of hepatitis E has killed 111 refugees in camps in South Sudan since July, and has become endemic in the region.


U.N. refugee agency spokesman Adrian Edwards says the influx of people to the camps from neighboring Sudan is believed to be one of the factors in the rapid spread of the contagious, life-threatening inflammatory viral disease of the liver.


Edwards said Friday that the camps have been hit by 6,017 cases of hepatitis E, which is spread through contaminated food and water.


He says the largest number of cases and suspected cases is in the Yusuf Batil camp in Upper Nile state, which houses 37,229 refugees fleeing fighting between rebels and the Sudanese government.


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G20 steps back from currency brink, heat off Japan


MOSCOW (Reuters) - The Group of 20 nations declared on Saturday there would be no currency war and deferred plans to set new debt-cutting targets, underlining broad concern about the fragile state of the world economy.


Japan's expansive policies, which have driven down the yen, escaped direct criticism in a statement thrashed out in Moscow by policymakers from the G20, which spans developed and emerging markets and accounts for 90 percent of the world economy.


Analysts said the yen, which has dropped 20 percent as a result of aggressive monetary and fiscal policies to reflate the Japanese economy, may now continue to fall.


"The market will take the G20 statement as an approval for what it has been doing -- selling of the yen," said Neil Mellor, currency strategist at Bank of New York Mellon in London. "No censure of Japan means they will be off to the money printing presses."


After late-night talks, finance ministers and central bankers agreed on wording closer than expected to a joint statement issued last Tuesday by the Group of Seven rich nations backing market-determined exchange rates.


A draft communiqué on Friday had steered clear of the G7's call for economic policy not to be targeted at exchange rates. But the final version included a G20 commitment to refrain from competitive devaluations and stated monetary policy would be directed only at price stability and growth.


"The mood quite clearly early on was that we needed desperately to avoid protectionist measures ... that mood permeated quite quickly," Canadian Finance Minister Jim Flaherty told reporters, adding that the wording of the G20 statement had been hardened up by the ministers.


As a result, it reflected a substantial, but not complete, endorsement of Tuesday's proclamation by the G7 nations - the United States, Japan, Britain, Canada, France, Germany and Italy.


As with the G7 intervention, Tokyo said it gave it a green light to pursue its policies unchecked.


"I have explained that (Prime Minister Shinzo) Abe's administration is doing its utmost to escape from deflation and we have gained a certain understanding," Finance Minister Taro Aso told reporters.


"We're confident that if Japan revives its own economy that would certainly affect the world economy as well. We gained understanding on this point."


Flaherty admitted it would be difficult to gauge if domestic policies were aimed at weakening currencies or not.


NO FISCAL TARGETS


The G20 also made a commitment to a credible medium-term fiscal strategy, but stopped short of setting specific goals as most delegations felt any economic recovery was too fragile.


The communiqué said risks to the world economy had receded but growth remained too weak and unemployment too high.


"A sustained effort is required to continue building a stronger economic and monetary union in the euro area and to resolve uncertainties related to the fiscal situation in the United States and Japan, as well as to boost domestic sources of growth in surplus economies," it said.


A debt-cutting pact struck in Toronto in 2010 will expire this year if leaders fail to agree to extend it at a G20 summit of leaders in St Petersburg in September.


The United States says it is on track to meet its Toronto pledge but argues that the pace of future fiscal consolidation must not snuff out demand. Germany and others are pressing for another round of binding debt targets.


"We had a broad consensus in the G20 that we will stick to the commitment to fulfill the Toronto goals," German Finance Minister Wolfgang Schaeuble said. "We do not have any interest in U.S.-bashing ... In St. Petersburg follow-up-goals will be decided."


The G20 put together a huge financial backstop to halt a market meltdown in 2009 but has failed to reach those heights since. At successive meetings, Germany has pressed the United States and others to do more to tackle their debts. Washington in turn has urged Berlin to do more to increase demand.


Backing in the communiqué for the use of domestic monetary policy to support economic recovery reflected the U.S. Federal Reserve's commitment to monetary stimulus through quantitative easing, or QE, to promote recovery and jobs.


QE entails large-scale bond buying -- $85 billion a month in the Fed's case -- that helps economic growth but has also unleashed destabilising capital flows into emerging markets.


A commitment to minimize such "negative spillovers" was an offsetting point in the text that China, fearful of asset bubbles and lost export competitiveness, highlighted.


"Major developed nations (should) pay attention to their monetary policy spillover," Vice Finance Minister Zhu Guangyao was quoted by state news agency Xinhua as saying in Moscow.


Russia, this year's chair of the G20, admitted the group had failed to reach agreement on medium-term budget deficit levels and expressed concern about ultra-loose policies that it and other emerging economies say could store up trouble for later.


On currencies, the G20 text reiterated its commitment last November, "to move more rapidly toward mores market-determined exchange rate systems and exchange rate flexibility to reflect underlying fundamentals, and avoid persistent exchange rate misalignments".


It said disorderly exchange rate movements and excess volatility in financial flows could harm economic and financial stability.


(Additional reporting by Gernot Heller, Lesley Wroughton, Maya Dyakina, Tetsushi Kajimoto, Jan Strupczewski, Lidia Kelly, Katya Golubkova, Jason Bush, Anirban Nag and Michael Martina. Writing by Douglas Busvine. Editing by Timothy Heritage/Mike Peacock)



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Karzai to Forbid His Forces to Request Foreign Airstrikes





KABUL, Afghanistan — President Hamid Karzai said Saturday that he would issue a decree forbidding his military forces from turning to NATO or American forces to conduct airstrikes, and he condemned the use of torture on detainees by his security forces.




He made his comments in a speech at the Afghan National Military Academy in Kabul. It was the first time he had dwelt at such length and with such passion on human rights.


His proposed ban on Afghan troops from calling in airstrikes came after a joint Afghan-NATO attack last week in Kunar Province, in eastern Afghanistan, that killed four women, one man and five children, all of them civilians, according to local officials.


Mr. Karzai said Gen. Joseph F. Dunford Jr., the commander of the international coalition forces fighting the Taliban and other insurgents in Afghanistan, told him that the airstrike had been requested by the National Directorate of Security, the country’s intelligence service. The attack took place in the Shigal district, an area where two known Taliban commanders were visiting family members, Afghan officials have said.


“Our N.D.S. in their own country calls foreigners to assist them and bombard four or five Al Qaeda or Taliban,” Mr. Karzai said.


“It is very regrettable to hear this,” he added. “You are representing Afghan pride. How do you call for an airstrike from foreigners on your people?”


Civilian casualties in the war on the Taliban has long vexed Mr. Karzai and has been a major point of contention with American and NATO troops. New rules instituted by commanders from the International Security Assistance Force have minimized the loss of life, and the coalition has all but stopped air attacks on populated areas and on homes. The result has been a dramatic drop in civilian casualties caused by foreign forces.


Nevertheless, Afghan troops, who lack their own air support, still turn to foreign forces for help during pitched battles with the Taliban and other insurgents. It was not clear whether there would be exceptions to Mr. Karzai’s decree, but he was clearly dismayed that his own forces would be employing the very techniques he had worked so hard to persuade the West to abandon.


In an unusual move, the Afghan president also publicly acknowledged that torture was a problem in Afghan detention centers and pledged to halt it. In the past, the government has largely deflected charges of torture raised by human rights organizations, contending that any abuse was the work of a few bad actors.


But after a United Nations report released in January detailed abuses or torture at a number of detention sites around the country, Mr. Karzai took a closer and more independent look at the complaints.


He appointed a delegation to investigate the report’s validity, and when the inquiry confirmed many of the allegations, he ordered the security ministries to implement the team’s recommendations. He reiterated that order on Saturday. The recommendations include prosecuting perpetrators of torture, giving detainees access to defense lawyers, providing medical treatment for detainees who are ill or have been beaten, and videotaping all interrogations.


“Not only have foreigners tormented and punished Afghans, but our people have been terrorized and punished by our own sons too,” Mr. Karzai said. “The U.N. report showed that even after 10 years, our people are tortured and mistreated in prisons.”


The United Nations’ human rights office here emphasized the importance of Mr. Karzai’s attention to the issue.


“It is encouraging that the president appears to be personally taking the issue of human rights of all Afghans seriously,” said Georgette Gagnon, the office’s director of human rights. She added that the government should act immediately on the delegation’s recommendations. “We urge them to do so without delay,” she said.


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Next-generation PlayStation 4 controller leaks









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Alec Baldwin Is Ready to Tackle Full Time Daddy Duty




Celebrity Baby Blog





02/15/2013 at 09:00 AM ET



Alec Baldwin Hilaria Baldwin Pregnant Expecting Baby
Mark Davis/WireImage


Dad-to-be Alec Baldwin certainly sympathizes with his expectant wife Hilaria — he’s experiencing all the aches and pregnancy pains too!


“My boobs hurt. My boobs are killing me, so sore,” the actor, 54, jokes with Extra. “My jeans don’t fit. My pants, I can’t buckle them.”


But, according to Alec, it’s Hilaria — due with the couple’s first child together late this summer — who has the crazy cravings.


“She was eating troughs of pineapple. I mean like tanker containers of pineapple,” he shares.


Quips Hilaria, “I didn’t eat pineapple before. It was bizarre. I really wanted pineapple.”



With the recent series finale of his award-winning show 30 Rock, Alec is excited to dive into daddy duty full time. “My dream is to be home with the baby, standing in the doorway, saying goodbye to Mommy,” he explains. “‘Mommy is going to work now. Bye Mommy … don’t work too hard!’”


While the newlyweds are still unsure of whether they’ll be welcoming a son or daughter, either way it looks like Alec, already dad to daughter Ireland, will eventually be juggling more than one baby.


“I want to have at least one of each, so whatever this is going to be, I want to have the next one [be the opposite sex],” says Hilaria.


– Anya Leon


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States' choices set up national health experiment


WASHINGTON (AP) — President Barack Obama's health care overhaul is unfolding as a national experiment with American consumers as the guinea pigs: Who will do a better job getting uninsured people covered, the states or the feds?


The nation is about evenly split between states that decided by Friday's deadline they want a say in running new insurance markets and states that are defaulting to federal control because they don't want to participate in "Obamacare." That choice was left to state governments under the law: Establish the market or Washington will.


With some exceptions, states led by Democrats opted to set up their own markets, called exchanges, and Republican-led states declined.


Only months from the official launch, exchanges are supposed to make the mind-boggling task of buying health insurance more like shopping on Amazon.com or Travelocity. Millions of people who don't have employer coverage will flock to the new markets. Middle-class consumers will be able to buy private insurance, with government help to pay the premiums in most cases. Low-income people will be steered to safety net programs like Medicaid.


"It's an experiment between the feds and the states, and among the states themselves," said Robert Krughoff, president of Consumers' Checkbook, a nonprofit ratings group that has devised an online tool used by many federal workers to pick their health plans. Krughoff is skeptical that either the feds or the states have solved the technological challenge of making the purchase of health insurance as easy as selecting a travel-and-hotel package.


Whether or not the bugs get worked out, consumers will be able to start signing up Oct. 1 for coverage that takes effect Jan. 1. That's also when two other major provisions of the law kick in: the mandate that almost all Americans carry health insurance, and the rule that says insurers can no longer turn away people in poor health.


Barring last-minute switches that may not be revealed until next week, 23 states plus Washington, D.C., have opted to run their own markets or partner with the Obama administration to do so.


Twenty-six states are defaulting to the feds. But in several of those, Republican governors are trying to carve out some kind of role by negotiating with federal Health and Human Services Secretary Kathleen Sebelius. Utah's status is unclear. It received initial federal approval to run its own market, but appears to be reconsidering.


"It's healthy for the states to have various choices," said Ben Nelson, CEO of the National Association of Insurance Commissioners. "And there's no barrier to taking somebody else's ideas and making them work in your situation." A former U.S. senator from Nebraska, Nelson was one of several conservative Democrats who provided crucial votes to pass the overhaul.


States setting up their own exchanges are already taking different paths. Some will operate their markets much like major employers run their health plans, as "active purchasers" offering a limited choice of insurance carriers to drive better bargains. Others will open their markets to all insurers that meet basic standards, and let consumers decide.


Obama's Affordable Care Act remains politically divisive, but state insurance exchanges enjoy broad public support. Setting up a new market was central to former Republican presidential candidate Mitt Romney's health care overhaul as governor of Massachusetts. There, it's known as the Health Connector.


A recent AP poll found that Americans prefer to have states run the new markets by 63 percent to 32 percent. Among conservatives the margin was nearly 4-1 in favor of state control. But with some exceptions, including Idaho, Nevada and New Mexico, Republican-led states are maintaining a hands-off posture, meaning the federal government will step in.


"There is a sense of irony that it's the more conservative states" yielding to federal control, said Sandy Praeger, the Republican insurance commissioner in Kansas, a state declining to run its own exchange. First, she said, the law's opponents "put their money on the Supreme Court, then on the election. Now that it's a reality, we may see some movement."


They're not budging in Austin. "Texas is not interested in being a subcontractor to Obamacare," said Lucy Nashed, spokeswoman for Gov. Rick Perry, who remains opposed to mandates in the law.


In Kansas, Praeger supported a state-run exchange, but lost the political struggle to Gov. Sam Brownback. She says Kansans will be closely watching what happens in neighboring Colorado, where the state will run the market. She doubts that consumers in her state would relish dealing with a call center on the other side of the country. The federal exchange may have some local window-dressing but it's expected to function as a national program.


Christine Ferguson, director of the Rhode Island Health Benefits Exchange, says she expects to see a big shift to state control in the next few years. "Many of the states have just run out of time for a variety of reasons," said Ferguson. "I'd be surprised if in the longer run every state didn't want to have its own approach."


In some ways, the federal government has a head start on the states. It already operates the Medicare Plan Finder for health insurance and prescription plans that serve seniors, and the Federal Employees Health Benefits Program. Both have many of the features of the new insurance markets.


Administration officials are keeping mum about what the new federal exchange will look like, except that it will open on time and people in all 50 states will have the coverage they're entitled to by law.


Joel Ario, who oversaw planning for the health exchanges in the Obama administration, says "there's a rich dialogue going on" as to what the online shopping experience should look like. "To create a website like Amazon is a very complicated exercise," said Ario, now a consultant with Manatt Health Solutions.


He thinks consumers should be able to get one dollar figure for each plan that totals up all their expected costs for the year, including premiums, deductibles and copayments. Otherwise, scrolling through pages of insurance jargon online will be a sure turn-off.


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