Digital Domain: Online Merchants Again Pursue Same-Day Delivery Service

IN the exhilarating, anything-is-possible days of 1998 to 2001, Kozmo.com offered an online store with a quick delivery service in a number of American cities. “Free delivery in under an hour” was its motto.

Kozmo would perish, but some online merchants and their delivery partners are inching back toward that shining vision. Though they aren’t promising free delivery within an hour, they are trying out same-day service for a fee. And in doing so, they are addressing the asymmetry that has bedeviled online purchases of physical goods since Kozmo’s demise: it takes mere seconds to find and buy goods on the Web, but often several days for them to arrive at the doorstep.

Could the wait again be shortened to just an hour? That remains to be seen.

The United States Postal Service will experiment with same-day delivery of online orders in San Francisco. It sees the new option, called Metro Post, as a way to put its delivery infrastructure to fuller use while developing a new source of revenue — a matter of pressing importance as the service’s finances go from bad to worse.

The Postal Service proposes once-a-day pickup of goods ordered online from participating retailers in the city before 2 p.m. and delivery to homes between 4 and 8 p.m.

John G. Friess, a Postal Service spokesman, says the packages won’t go through the normal processing centers, but will instead be passed directly between the Postal Service workers who pick them up and deliver them.

“This will be a new experience,” Mr. Friess says, “having a uniformed Postal Service employee knocking on your front door at this hour, delivering the package that you had ordered earlier in the day.”

A flat rate will be charged for all packages up to 25 pounds, he says, but the price has not been announced and may be adjusted as the trial proceeds.

With its fleets of trucks, United Parcel Service also has the delivery infrastructure for same-city, same-day service. But for now, the company is not set up to do both pickup and delivery in the same day, in the same city, at a modest price.

I used the online U.P.S. pricing guide to find the cost of having a one-pound book picked up at a San Francisco bookstore at 2 p.m. and delivered to a home address a mile and a half away by 8 p.m. the same day. This required U.P.S.’s “Express Critical” service, and the company estimated the cost at $226.46.

If U.P.S. decided it wanted to enter the intracity delivery business in a serious way, it could no doubt offer much more attractive pricing. In fact, it would seem positioned to offer a lower price than the Postal Service, whose market tests of experimental products are regulated by the Postal Regulatory Commission. The Postal Service’s filing with the commission to try out Metro Post is timorous in tone and lists self-applied hobbles. For example, the service says it will enlist 10 or fewer companies for the trial and limit the volume to 200 packages a day, at least until it can “further test its operational capabilities.”

The big online retailers are running their own experiments with same-day delivery in some markets.

 

Last month, Wal-Mart announced that it had begun same-day delivery of online orders in a handful of cities. A check last week of the price of two-hour delivery windows in San Francisco showed flat fees of $6 to $7. (The minimum order is $45.) Amazon also offers a same-day delivery option in 10 markets. In addition to a delivery charge of $8.99 for all orders other than gift cards, it adds a charge of 99 cents for each item in the order.

Very fast delivery of online purchases can be found in Lower Manhattan, the area served by UrbanFetch, which offers 10,000 products online that will be delivered within an hour. The speed is the same as Kozmo’s — in fact, the company was founded in 2005 by Chris Siragusa, who was chief technology officer at Kozmo — but the selection of goods is far larger.

Customers must live within an eight-square-mile service area, and all deliveries are carried by bicycle. There is no delivery fee for orders of more than $100; a $4.95 fee is charged for smaller orders.

When Mr. Siragusa set out to build an online store with home delivery — originally called MaxDelivery — he did not plan to match Kozmo’s one-hour promise. With friends and family, he first tried a service in which the ordering was done earlier in the day and the deliveries in the evening. But he concluded that late-in-the-day delivery was not compelling to customers. “It was still more convenient to walk to the store yourself,” he said.

UrbanFetch’s fast delivery is possible because its goods are physically close to its customers in a densely packed city.  In other places, online customers must be a bit more patient, as Son of Kozmo is not in sight.

Randall Stross is an author based in Silicon Valley and a professor of business at San Jose State University. E-mail: stross@nytimes.com.

This article has been revised to reflect the following correction:

Correction: November 13, 2012

An earlier version of this column referred imprecisely to the Postal Regulatory Commission’s oversight of the Postal Service. While the commission regulates the Postal Service’s market tests of  experimental products, regulatory approval is not required for all its operational decisions.

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False Posts on Facebook Undermine Its Credibility

SAN FRANCISCO — The Facebook page for Gaston Memorial Hospital, in Gastonia, N.C., offers a chicken salad recipe to encourage healthy eating, tips on avoiding injuries at Zumba class, and pictures of staff members dressed up at Halloween. Typical stuff for a hospital in a small town.

But in October, another Facebook page for the hospital popped up. This one posted denunciations of President Obama and what it derided as “Obamacare.” It swiftly gathered hundreds of followers, and the anti-Obama screeds picked up “likes.” Officials at the hospital, scrambling to get it taken down, turned to their real Facebook page for damage control. “We apologize for any confusion,” they posted on Oct. 8, “and appreciate the support of our followers.”

The fake page came down 11 days later, as mysteriously as it had come up. The hospital says it has no clue who was behind it.

Fakery is all over the Internet. Twitter, which allows pseudonyms, is rife with fake followers, and has been used to spread false rumors, as it was during Hurricane Sandy. False reviews are a constant problem on consumer Web sites.

Gaston Memorial’s experience is an object lesson in the problem of fakery on Facebook. For the world’s largest social network, it is an especially acute problem, because it calls into question its basic premise. Facebook has sought to distinguish itself as a place for real identity on the Web. As the company tells its users: “Facebook is a community where people use their real identities.” It goes on to advise: “The name you use should be your real name as it would be listed on your credit card, student ID, etc.”

Fraudulent “likes” damage the trust of advertisers, who want clicks from real people they can sell to and whom Facebook now relies on to make money. Fakery also can ruin the credibility of search results for the social search engine that Facebook says it is building.

Facebook says it has always taken the problem seriously, and recently stepped up efforts to cull fakes from the site. “It’s pretty much one of the top priorities for the company all the time,” said Joe Sullivan, who is in charge of security at Facebook.

The fakery problem on Facebook comes in many shapes. False profiles are fairly easy to create; hundreds can pop up simultaneously, sometimes with the help of robots, and often they persuade real users into friending them in a bid to spread malware. Fake Facebook friends and likes are sold on the Web like trinkets at a bazaar, directed at those who want to enhance their image. Fake coupons for meals and gadgets can appear on Facebook newsfeeds, aimed at tricking the unwitting into revealing their personal information.

Somewhat more benignly, some college students use fake names in an effort to protect their Facebook content from the eyes of future employers.

Mr. Sullivan declined to say what portion of the company’s now one billion plus users were fake. The company quantified the problem last June, in responding to an inquiry by the Securities and Exchange Commission. At that time, the company said that of its 855 million active users, 8.7 percent, or 83 million, were duplicates, false or “undesirable,” for instance, because they spread spam.

Mr. Sullivan said that since August, the company had put in place a new automated system to purge fake “likes.” The company said it has 150 to 300 staff members to weed out fraud.

Flags are raised if a user sends out hundreds of friend requests at a time, Mr. Sullivan explained, or likes hundreds of pages simultaneously, or most obvious of all, posts a link to a site that is known to contain a virus. Those suspected of being fakes are warned. Depending on what they do on the site, accounts can be suspended.

In October, Facebook announced new partnerships with antivirus companies. Facebook users can now download free or paid antivirus coverage to guard against malware.

“It’s something we have been pretty effective at all along,” Mr. Sullivan said.

Facebook’s new aggressiveness toward fake “likes” became noticeable in September, when brand pages started seeing their fan numbers dip noticeably. An average brand page, Facebook said at the time, would lose less than 1 percent of its fans.

But the thriving market for fakery makes it hard to keep up with the problem. Gaston Memorial, for instance, first detected a fake page in its name in August; three days later, it vanished. The fake page popped up again on Oct. 4, and this time filled up quickly with the loud denunciations of the Obama administration. Dallas P. Wilborn, the hospital’s public relations manager, said her office tried to leave a voice-mail message for Facebook but was disconnected; an e-mail response from the social network ruled that the fake page did not violate its terms of service. The hospital submitted more evidence, saying that the impostor was using its company logo.

Eleven days later, the hospital said, Facebook found in its favor. But by then, the local newspaper, The Gaston Gazette, had written about the matter, and the fake page had disappeared.

Facebook declined to comment on the incident, and pointed only to its general Statement of Rights and Responsibilities.

The election season seems to have increased the fakery.

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Lance Armstrong Cuts Officials Ties With His Livestrong Charity

In the wake of being stripped of his seven Tour de France titles for doping, Lance Armstrong last week cut all official ties with Livestrong, the charity he founded 15 years ago while he was treated for testicular cancer.

On Nov. 4, he resigned from the organization’s board of directors; he had previously stepped down as the chairman of the board Oct. 17. He has distanced himself from the charity to try to protect it from any damage caused by his doping controversy, the new board chairman, Jeff Garvey, said in a statement.

“Lance Armstrong was instrumental in changing the way the world views people affected by cancer,” Garvey said. “His devotion to serving survivors is unparalleled, and for 15 years, he committed himself to that cause with all his heart.”

Garvey said that the Armstrong family had donated nearly $7 million to the foundation and that the organization under Armstrong had raised close to $300 million to serve cancer survivors.

Last month, the United States Anti-Doping Agency made public its evidence in its doping case against Armstrong, saying he had doped and encouraged his teammates to dope so they could help him win races. He was subsequently barred from Olympic sports for life and was stripped of all the cycling titles he won from August 1998 on.

Since then, Armstrong has spent several weeks in Hawaii, out of the public eye. On Saturday, though, he posted a photograph on Twitter showing him at home in Austin, Tex. He is lounging on a couch with his seven yellow Tour jerseys framed on the wall in the background.

In the post, he said, “Back in Austin and just layin’ around.” The photograph had more than 400,000 page views as of Monday evening, with many people posting negative comments on the page.

“Lance, you have no moral conscious and it’s obvious many of your followers don’t either,” said one person who went by the Twitter handle “irobot,” who also posted that Armstrong needed “professional help.”

A person posting under the name “Aumann” said: “An art thief enjoying all his da Vincis.”

Other people posted words of support, including many who said they still thought Armstrong was the top cyclist in history.

“TomShelton” said of Armstrong’s seven Tour titles, “You earned all 7 of them no matter what is being said about you!”

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Lance Armstrong Cuts Officials Ties With His Livestrong Charity

In the wake of being stripped of his seven Tour de France titles for doping, Lance Armstrong last week cut all official ties with Livestrong, the charity he founded 15 years ago while he was treated for testicular cancer.

On Nov. 4, he resigned from the organization’s board of directors; he had previously stepped down as the chairman of the board Oct. 17. He has distanced himself from the charity to try to protect it from any damage caused by his doping controversy, the new board chairman, Jeff Garvey, said in a statement.

“Lance Armstrong was instrumental in changing the way the world views people affected by cancer,” Garvey said. “His devotion to serving survivors is unparalleled, and for 15 years, he committed himself to that cause with all his heart.”

Garvey said that the Armstrong family had donated nearly $7 million to the foundation and that the organization under Armstrong had raised close to $300 million to serve cancer survivors.

Last month, the United States Anti-Doping Agency made public its evidence in its doping case against Armstrong, saying he had doped and encouraged his teammates to dope so they could help him win races. He was subsequently barred from Olympic sports for life and was stripped of all the cycling titles he won from August 1998 on.

Since then, Armstrong has spent several weeks in Hawaii, out of the public eye. On Saturday, though, he posted a photograph on Twitter showing him at home in Austin, Tex. He is lounging on a couch with his seven yellow Tour jerseys framed on the wall in the background.

In the post, he said, “Back in Austin and just layin’ around.” The photograph had more than 400,000 page views as of Monday evening, with many people posting negative comments on the page.

“Lance, you have no moral conscious and it’s obvious many of your followers don’t either,” said one person who went by the Twitter handle “irobot,” who also posted that Armstrong needed “professional help.”

A person posting under the name “Aumann” said: “An art thief enjoying all his da Vincis.”

Other people posted words of support, including many who said they still thought Armstrong was the top cyclist in history.

“TomShelton” said of Armstrong’s seven Tour titles, “You earned all 7 of them no matter what is being said about you!”

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Syrian Jet Strikes Close to Border With Turkey

GAZIANTEP, Turkey — Syria pulled both Turkey and Israel closer to military entanglements in its civil war on Monday, bombing a rebel-held Syrian village a few yards from the Turkish border in a deadly aerial assault and provoking Israeli tank commanders in the disputed Golan Heights into blasting mobile Syrian artillery units across their own armistice line.

The escalations, which threatened once again to draw in two of Syria’s most powerful neighbors, came hours after the fractious Syrian opposition announced a broad new unity pact that elicited praise from the big foreign powers backing their effort to topple President Bashar al-Assad.

“It is a big day for the Syrian opposition,” wrote Joshua Landis, an expert on Syrian political history and the author of the widely followed Syria Comment blog. Mr. Landis, director of the Center for Middle East Studies at the University of Oklahoma, wrote that the “Assad regime must be worried, as it has survived for 42 years thanks to Syria’s fragmentation.”

There has been speculation that Mr. Assad, feeling increasingly threatened, may deliberately seek to widen the conflict that has consumed much of his own country for the past 20 months and left roughly 40,000 people dead. Although there is no indication that Mr. Assad has decided to try to lure Israel into the fight, any Israeli involvement could rally his failing support and frustrate the efforts of his Arab adversaries.

The attack on the Turkish border, by what Syrian witnesses identified as a Syrian MIG-25 warplane, demolished at least 15 buildings and killed at least 20 people in the town of Ras al-Ain, the scene of heavy fighting for days and an impromptu crossing point for thousands of Syrian refugees clambering for safety into Turkey.

“The plane appeared in seconds, dropped a bomb and killed children,” said Nezir Alan, a doctor who witnessed the bombing. “Here is total chaos.” In a telephone interview from Ras al-Ain, he said the bombing wounded at least 70 people, 50 of them critically. Turkish television stations reported that ambulances were rushing victims into Ceylanpinar, Turkey, just across the border.

Windows of shops and houses in Ceylanpinar were shattered by the force of the bombing, and Turkish television showed people on both sides of the border running in panic, while military vehicles raced down streets as a huge cloud of smoke hung over the area.

There were no immediate reports of deaths or injuries in Ceylanpinar. But the Turkish authorities, increasingly angered by what they view as Syrian provocations, have deployed troops and artillery units along the 550-mile border with Syria and have raised the idea of installing Patriot missile batteries that could deter Syrian military aircraft.

Turkey’s foreign minister, Ahmet Davutoglu, sent a diplomatic note to Syria on Monday to protest the Ras al-Ain bombing, the semiofficial Anatolian News Agency reported.

Civilians in southern Turkey’s provinces of Hatay, Sanliurfa and Gaziantep, where the government has erected camps for Syrian refugees, have been advised not to travel close to the border.

In Israel, the military said Israeli tanks that are deployed in the Golan Heights, which the Israelis seized from Syria in the 1967 war, had made a direct hit on Syrian artillery units on Monday after consecutive days of erratic mortar fire coming from the Syrian side of the armistice line. The Syrian mortar shells caused no damage or casualties, the military said.

Military officials and analysts in Israel said that they viewed the Syrian shelling as unintentional spillover from the civil war and that Israel has no desire to get involved in the Syria conflict. But the Israelis have expressed increasing concern that after four decades of relative stability in the Golan area, the Assad government may be trying to push them into a fight that could galvanize Arab hostility toward Israel and distract attention from its own problems.

If an errant Syrian shell hit a school filled with children on the Israeli side, said Prof. Moshe Maoz at the Hebrew University of Jerusalem, a strong Israeli response would be all but guaranteed. “Assad knows very well that Israel does not have a sense of humor here and can retaliate very heavily.”

The United Nations, which monitors an armistice agreement between Israel and Syria in force since the 1973 war, has said it fears that Golan violence could jeopardize the cease-fire.

In Doha, Qatar, where Syrian opposition figures had been meeting since last week, the agreement reached Sunday on forming a new umbrella organization, which could become the basis for a provisional government, was welcomed by participants and the effort’s foreign backers, including Turkey, the United States, the European Union and the Arab League. There were expectations that the new group, called the National Coalition of Syrian Revolutionary and Opposition Forces, would be permitted to take Syria’s seat at the Arab League, which had expelled Mr. Assad’s representative.

Turkey’s Foreign Ministry released a statement saying that the agreement “would add momentum to efforts in completing the democratic transition process in line with the legitimate expectations of the people.”

In the northern Syrian city of Aleppo, a focal point of the conflict since this summer, civilians who have been living under the threat of constant shelling by the Syrian Army welcomed the opposition unity agreement and expressed hope that it signaled a turning point.

“We have been waiting for this for a very very long time,” said Abu al-Hasan, an anti-Assad activist in Aleppo who was reached by telephone. “Even if it is not perfect yet, it will save us.” But he also warned that “people do not believe this will stop the shelling like a miracle.”

There was no sign that the violence was abating elsewhere inside Syria. Activist groups said warplanes were dropping bombs in Damascus suburbs and that army snipers had taken up positions in areas where bombs had been dropped. The mayhem surrounding central Damascus made residents in that part of the capital feel increasingly isolated.

“The inside of the city is like a big prison now,” said Alexia Jade, a media activist contacted inside Damascus. “The checkpoints have increased and the lines of cars waiting to be searched are getting longer.”

Sebnem Arsu reported from Gaziantep, Turkey, and Rick Gladstone from New York. Reporting was contributed by Isabel Kershner and Jodi Rudoren from Jerusalem, and Hania Mourtada from Beirut, Lebanon.

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Disruptions: Online Voting in U.S., Despite Risks, Should Be Developed

Last Tuesday, millions of Americans stood in long lines to cast their votes. While they waited, sometimes for several hours, many used their smartphones to pass the time.

Some read articles about the election. Others updated their Twitter or Instagram feeds with pictures of the lines at the polls. And some took care of more private tasks, like sharing health information with their doctors, reading and editing confidential work documents, or paying bills and transferring money using banking applications.

Once in the voting booth, they slipped their phones into their pockets and purses and, in many cases, picked up a pen and a piece of paper to cast their ballot.

So at a time when we can see video shot by a robot on Mars, when there are cars that can drive themselves, and when we can deposit checks on our smartphones without going to a bank, why do most people still have to go to a polling place to vote?

That’s because, security experts say, letting people vote through their phones or computers could have disastrous consequences.

“I think it’s a terrible idea,” said Barbara Simons, a former I.B.M. researcher and co-author of the book “Broken Ballots: Will Your Vote Count?”

Ms. Simons then ran through a list of calamitous events that could occur if we voted by Internet. Viruses could be used to take over voters’ phones; rogue countries like Iran could commandeer computers and change results without our knowledge; government insiders could write software that decides who wins; denial-of-service attacks could take down the Internet on Election Day.

“It’s a national security issue,” Ms. Simons said. “We really don’t want our enemies to be able to determine our government for us — or even our friends for that matter.”

Of course, many of those concerns make sense. None of us want some evil autocrat picking the next president.

But other countries allow citizens to vote via the Internet, or are experimenting with the idea. In 2005, Estonia started testing an online voting system and has since registered more than a million voters who now cast their ballots online. Italy plans to test an online voting system this year.

Not the United States, the land of the free and the home of the smartphone.

Ronald L. Rivest, a computer scientist at the Massachusetts Institute of Technology, said that for now, the best technology out there is the one we’ve been using.

“Winston Churchill had a famous saying that democracy is the worst form of government, except for all those other forms that have been tried before,” Mr. Rivest said. “You can apply the same statement to paper ballots, which are the worst form of voting, but better than all the others that have been tried before.”

Mr. Rivest, who is the R in the name of the RSA encryption system, which is used by government institutions and banks, said that if things went wrong on Election Day, chaos could ensue, because doubts about the results would rattle the foundations of our democracy.

“One of the main goals of the election is to produce credible evidence to the loser that he’s really lost,” he said. “When you have complicated technology, you really do have to worry about election fraud.”

So what’s the solution? Ms. Simons and Mr. Rivest both seemed certain that the best alternative was to stick with a technology that’s a couple of thousand years old. “Paper,” they both said, as if reading from the same script. “Paper ballots.”

Voting by mail, which some cite as an option, lets people avoid the lines, but it is not so easy on the vote counters. In states where this is allowed, envelopes have to be opened and ballots sorted into precincts. Then the signature needs to be matched with that on the voter registration card. None of this is terribly efficient.

So in 10, 20 or 100 years, when our cars have been replaced with self-flying spaceships, robots take our children to school, and our smartphones are chips in our heads, will we still be using a pen and paper to choose our president? I sure hope not.

After Hurricane Sandy disabled power and transportation for many in New Jersey, the state announced that some people would be allowed to vote by e-mail. The entire operation was pulled together in three days. Although there were problems, the system worked for most.

Digital voting could drive more Americans to the polls. According to a report released by the Census Bureau this year, nearly 50 million Americans didn’t vote in the 2008 election. Millions of people said this was because they were out of town, had transportation problems or were too busy to get to the polls. Internet voting could let millions more people take part.

There are, as the security experts point out, a litany of issues to confront before this happens, but it’s not impossible.

Alexander Keyssar, a professor of history and social policy at Harvard and author of the book “The Right to Vote,” added one more issue to the list: voter coercion, in which your boss or someone else bullies you into picking a candidate, perhaps right in front of them. But Mr. Keyssar said people might eventually have the option to vote via the Web.

“I think it’s something that the government should be looking to develop as a down-the-road option,” he said, adding that in Brazil, one branch of a government group called the Federal Election Tribunal has the task of exploring digital voting technologies. “We could have a similar tribunal here,” he said.

In his acceptance speech, President Obama acknowledged the problems of those who had to wait in long lines to vote, saying, “By the way, we have to fix that.”

There are more than twice as many mobile phones in the United States as there are people who voted during this last election. As one option to “fix that,” I’d vote for an app that allows me to cast my ballot from the privacy of my own home, rather than waiting in line to mark a piece of paper with a pen.

E-mail: bilton@nytimes.com

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Some Parents, Shouldering Student Loans, Fall on Tough Times

Gretchen Ertl for The New York Times

“Jenni feels the guilt and I feel the burden.” Michele Fitzgerald, in debt for the loans she took out for her daughter Jenni’s college education.

When Michele Fitzgerald and her daughter, Jenni, go out for dinner, Jenni pays. When they get haircuts, Jenni pays. When they buy groceries, Jenni pays.

It has been six years since Ms. Fitzgerald — broke, unemployed and in default on the $18,000 in loans she took out for Jenni’s college education — became a boomerang mom, moving into her daughter’s townhouse apartment in Hingham, Mass.

Jenni pays the rent.

For Jenni, 35, the student loans and the education they bought have worked out: she has a good job in public relations and is paying down the loans in her name. But for her mother, 60, the parental debt has been disastrous.

“It’s not easy,” Ms. Fitzgerald said. “Jenni feels the guilt and I feel the burden.”

There are record numbers of student borrowers in financial distress, according to federal data. But millions of parents who have taken out loans to pay for their children’s college education make up a less visible generation in debt. For the most part, these parents did well enough through midlife to take on sizable loans, but some have since fallen on tough times because of the recession, health problems, job loss or lives that took a sudden hard turn.

And unlike the angry students who have recently taken to the streets to protest their indebtedness, most of these parents are too ashamed to draw attention to themselves.

“You don’t want your children, much less your neighbors and friends, knowing that even though you’re living in a nice house, and you’ve been able to hold onto your job, your retirement money’s gone, you can’t pay your debts,” said a woman in Connecticut who took out $57,000 in federal loans. Between tough times at work and a divorce, she is now teetering on default.

In the first three months of this year, the number of borrowers of student loans age 60 and older was 2.2 million, a figure that has tripled since 2005. That makes them the fastest-growing age group for college debt. All told, those borrowers owed $43 billion, up from $8 billion seven years ago, according to the Federal Reserve Bank of New York.

Almost 10 percent of the borrowers over 60 were at least 90 days delinquent on their payments during the first quarter of 2012, compared with 6 percent in 2005. And more and more of those with unpaid federal student debt are losing a portion of their Social Security benefits to the government — nearly 119,000 through September, compared with 60,000 for all of 2007 and 23,996 in 2001, according to the Treasury Department’s Financial Management Service.

The federal government does not track how many of these older borrowers were taking out loans for their own education rather than for that of their children. But financial analysts say that loans for children are the likely source of almost all the debt. Even adjusted for inflation, so-called Parent PLUS loans — one piece of the pie for parents of all ages — have more than doubled to $10.4 billion since 2000. Colleges often encourage parents to get Parent PLUS loans, to make it possible for their children to enroll. But many borrow more than they can afford to pay back — and discover, too late, that the flexibility of income-based repayment is available only to student borrowers.

Many families with good credit turn to private student loans, with parents co-signing for their children. But those private loans also offer little flexibility in repayment.

The consequences of such debt can be dire because borrowers over 60 have less time — and fewer opportunities — than younger borrowers to get their financial lives back on track. Some, like Ms. Fitzgerald, are forced to move in with their children. Others face an unexpectedly pinched retirement. Still others have gone into bankruptcy, after using all their assets to try to pay the student debt, which is difficult to discharge under any circumstances.

The anguish over college debt has put a severe strain on many family relationships. Parents and students alike say parental debt can be the uncomfortable, unmentionable elephant in the room. Many parents feel they have not fulfilled a basic obligation, while others quietly resent that their children’s education has landed the family in such difficult territory.

Soon after borrowing the money for Jenni’s education, Ms. Fitzgerald divorced and lost her corporate job. She worked part-time jobs and subsisted on food stamps and public assistance.

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Well: Quitting Smoking for Good

Few smokers would claim that it’s easy to quit. The addiction to nicotine is strong and repeatedly reinforced by circumstances that prompt smokers to light up.

Yet the millions who have successfully quit are proof that a smoke-free life is achievable, even by those who have been regular, even heavy, smokers for decades.

Today, 19 percent of American adults smoke, down from more than 42 percent half a century ago, when Luther Terry, the United States surgeon general, formed a committee to produce the first official report on the health effects of smoking. Ever-increasing restrictions on where people can smoke have helped to swell the ranks of former smokers.

Now, however, as we approach the American Cancer Society’s 37th Great American Smokeout on Thursday, the decline in adult smoking has stalled despite the economic downturn and the soaring price of cigarettes.

Currently, 45 million Americans are regular smokers who, if they remain smokers, can on average expect to live 10 fewer years. Half will die of a tobacco-related disease, and many others will suffer for years with smoking-caused illness. Smoking adds $96 billion to the annual cost of medical care in this country, Dr. Nancy A. Rigotti wrote in The Journal of the American Medical Association last month. Even as some adult smokers quit, their ranks are being swelled by the 800,000 teenagers who become regular smokers each year and by young adults who, through advertising and giveaways, are now the prime targets of the tobacco industry.

People ages 18 to 25 now have the nation’s highest smoking rate: 40 percent. I had to hold my breath the other day as dozens of 20-somethings streamed out of art gallery openings and lighted up. Do they not know how easy it is to get hooked on nicotine and how challenging it can be to escape this addiction?

Challenging, yes, but by no means impossible. on the Web you can download a “Guide to Quitting Smoking,” with detailed descriptions of all the tools and tips to help you become an ex-smoker once and for all.

Or consult the new book by Dr. Richard Brunswick, a retired family physician in Northampton, Mass., who says he’s helped hundreds of people escape the clutches of nicotine and smoking. (The printable parts of the book’s provocative title are “Can’t Quit? You Can Stop Smoking.”)

“There is no magic pill or formula for beating back nicotine addiction,” Dr. Brunswick said. “However, with a better understanding of why you smoke and the different tools you can use to control the urge to light up, you can stop being a slave to your cigarettes.”

Addiction and Withdrawal

Nicotine beats a direct path to the brain, where it provides both relaxation and a small energy boost. But few smokers realize that the stress and lethargy they are trying to relieve are a result of nicotine withdrawal, not some underlying distress. Break the addiction, and the ill feelings are likely to dissipate.

Physical withdrawal from nicotine is short-lived. Four days without it and the worst is over, with remaining symptoms gone within a month, Dr. Brunswick said. But emotional and circumstantial tugs to smoke can last much longer.

Depending on when and why you smoke, cues can include needing a break from work, having to focus on a challenging task, drinking coffee or alcohol, being with other people who smoke or in places you associate with smoking, finishing a meal or sexual activity, and feeling depressed or upset.

To break such links, you must first identify them and then replace them with other activities, like taking a walk, chewing sugar-free gum or taking deep breaths. These can help you control cravings until the urge passes.

If you’ve failed at quitting before, try to identify what went wrong and do things differently this time, Dr. Brunswick suggests. Most smokers need several attempts before they can become permanent ex-smokers.

Perhaps most important is to be sure you are serious about quitting; if not, wait until you are. Motivation is half the battle. Also, should you slip and have a cigarette after days or weeks of not smoking, don’t assume you’ve failed and give up. Just go right back to not smoking.

Aids for Quitting

Many if not most smokers need two kinds of assistance to become lasting ex-smokers: psychological support and medicinal aids. Only about 4 percent to 7 percent of people are able to quit smoking on any given attempt without help, the cancer society says.

All 50 states and the District of Columbia have free telephone-based support programs that connect would-be quitters to trained counselors. Together, you can plan a stop-smoking method that suits your smoking pattern and helps you avoid common pitfalls.

Online support groups and Nicotine Anonymous can help as well. To find a group, ask a local hospital or call the cancer society at (800) 227-2345. Consider telling relatives and friends about your intention to quit, and plan to spend time in smoke-free settings.

More than a dozen treatments can help you break the physical addiction to tobacco. Most popular is nicotine replacement therapy, sold both with and without a prescription. The Food and Drug Administration has approved five types: nicotine patches of varying strengths, gums, sprays, inhalers and lozenges that can curb withdrawal symptoms and help you gradually reduce your dependence on nicotine.

Two prescription drugs are also effective: an extended-release form of the antidepressant bupropion (Zyban or Wellbutrin), which reduces nicotine cravings, and varenicline (Chantix), which blocks nicotine receptors in the brain, reducing both the pleasurable effects of smoking and the symptoms of nicotine withdrawal. Combining a nicotine replacement with one of these drugs is often more effective than either approach alone.

Other suggested techniques, like hypnosis and acupuncture, have helped some people quit but lack strong proof of their effectiveness. Tobacco lozenges and pouches and nicotine lollipops and lip balms lack evidence as quitting aids, and no clinical trials have been published showing that electronic cigarettes can help people quit.

The cancer society suggests picking a “quit day”; ridding your home, car and workplace of smoking paraphernalia; choosing a stop-smoking plan, and stocking up on whatever aids you may need.

On the chosen day, keep active; drink lots of water and juices; use a nicotine replacement; change your routine if possible; and avoid alcohol, situations you associate with smoking and people who are smoking.

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Changing of the Guard: Chinese Communist Party Faces Calls for Democracy

BEIJING — As the Communist Party’s 18th Congress approached, Li Weidong, a scholar of politics, made plans to observe a historic leadership battle in one of the world’s great nations.

Instead of staying in Beijing to monitor China’s once-a-decade transfer of power, Mr. Li boarded a plane.

“I’m going to the United States to study the elections,” Mr. Li said in a telephone interview during a stopover in Paris. After witnessing the American presidential election on Tuesday, Mr. Li went on the radio for another interview. “I still think China’s politics remain prehistoric,” he said. “I often joke that the Chinese civilization is the last prehistoric civilization left in the world.”

With China at a critical juncture, there is a rising chorus within the elite expressing doubt that the 91-year-old Communist Party’s authoritarian system can deal with the stresses bearing down on the nation and its 1.3 billion people. Policies introduced after 1978 by Deng Xiaoping lifted hundreds of millions out of poverty and transformed the country into the world’s second-largest economy. But the way party leaders have managed decades of growth has created towering problems that critics say can no longer be avoided.

Many of those critics have benefited from China’s stunning economic gains, and their ranks include billionaires, intellectuals and children of the party’s revolutionary founders. But they say the party’s agenda, as it stands today, is not visionary enough to set China on the path to stability. What is needed, they say, is a comprehensive strategy to gradually extricate the Communist Party, which has more than 80 million members, from its heavy-handed control of the economy, the courts, the news media, the military, educational institutions, civic life and just the plain day-to-day affairs of citizens.

Only then, the critics argue, can the government start to address the array of issues facing China, including rampant corruption, environmental degradation, and an aging population whose demographics have been skewed because of the one-child policy.

“In order to build a real market economy, we have to have real political reform,” said Yang Jisheng, a veteran journalist and a leading historian of the Mao era. “In the next years, we should have a constitutional democracy plus a market economy.”

For now, however, party leaders have given no indication that they intend to curb their role in government in a meaningful way.

“We will never copy a Western political system,” Hu Jintao, the departing party chief, said in a speech on Thursday opening the weeklong congress.

The party’s public agenda, which Mr. Hu described in detail in his 100-minute address, was laid out in a 64-page report that is in part intended to highlight priorities for the new leaders, who will be announced later this month. Much of the document had retrograde language that emphasized ideology stretching back to Mao and had little in the way of bold or creative thinking, said Qian Gang, the director of the China Media Project at the University of Hong Kong.

Most telling, there was no language signaling that the incoming Politburo Standing Committee, the group that rules China by consensus, would support major changes in the political system, whose perversions many now say are driving the nation toward crisis.

While Chinese who are critical of the current system generally do not expect a wholesale adoption of a Western model, they do favor at least an openness to bolder experimentation.

“To break one-party rule right now is probably not realistic, but we can have factions within the party made public and legalized, so they can campaign against each other,” said Mr. Yang, who added that there was no other way at the moment to ensure political accountability.

Only in the last few years has the idea of liberalizing the political system gained currency, and urgency, among a broad cross-section of elites. Before that, as the West foundered at the onset of the global financial crisis, many here pointed to the triumph of a “China model” or “Beijing consensus” — a mix of authoritarian politics, a command economy and quasi-market policies.

But the way in which China weathered the crisis — with the injection of $588 billion of stimulus money into the economy and an explosion of lending from state banks — led to a spate of large infrastructure projects that may never justify their cost. As a result, many economists now say that China’s investment-driven, export-oriented economic model is unsustainable and needs to shift toward greater reliance on Chinese consumers.

Constant lip-service is paid to that goal, and on Saturday, Zhang Ping, a senior official, reiterated that stance. But it will not be easy for the new leaders to carry it out. At the root of the current economic model is the political system, in which party officials and state-owned enterprises work closely together, reaping enormous profits from the party’s control of the economy. Under Mr. Hu’s decade-long tenure, these relationships and the dominance of state enterprises have only strengthened.

“What happens in this kind of economy is that wealth concentrates where power is,” said Mr. Yang, the journalist.

The 400 or so incoming members of the party’s Central Committee, Politburo and Politburo Standing Committee, as well as their friends and families, have close ties to the most powerful of China’s 145,000 state-owned enterprises. The growing presence of princelings — the children of notable Communist officials — in the party, the government and corporations could mean an even more closely meshed web of nepotism. It is a system that Xi Jinping, anointed to be the next party chief and president and himself a member of the “red nobility,” would find hard to unravel, even if he wanted to.

Mia Li contributed research.

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Mind Faded, Darrell Royal’s Wisdom and Humor Intact Till End

Three days before his death last week at 88, Darrell Royal told his wife, Edith: “We need to go back to Hollis” — in Oklahoma. “Uncle Otis died.”

“Oh, Darrell,” she said, “Uncle Otis didn’t die.”

Royal, a former University of Texas football coach, chuckled and said, “Well, Uncle Otis will be glad to hear that.”

The Royal humor never faded, even as he sank deeper into Alzheimer’s disease. The last three years, I came to understand this as well as anyone. We had known each other for more than 40 years. In the 1970s, Royal was a virile, driven, demanding man with a chip on his shoulder bigger than Bevo, the Longhorns mascot. He rarely raised his voice to players. “But we were scared to death of him,” the former quarterback Bill Bradley said.

Royal won 3 national championships and 167 games before retiring at 52. He was a giant in college football, having stood shoulder to shoulder with the Alabama coach Bear Bryant. Royal’s Longhorns defeated one of Bryant’s greatest teams, with Joe Namath at quarterback, in the 1965 Orange Bowl. Royal went 3-0-1 in games against Bryant.

Royal and I were reunited in the spring of 2010. I barely recognized him. The swagger was gone. His mind had faded. Often he stared aimlessly across the room. I scheduled an interview with him for my book “Courage Beyond the Game: The Freddie Steinmark Story.” Still, I worried that his withering mind could no longer conjure up images of Steinmark, the undersize safety who started 21 straight winning games for the Longhorns in the late 1960s. Steinmark later developed bone cancer that robbed him of his left leg.

When I met with Royal and his wife, I quickly learned that his long-term memory was as clear as a church bell. For two hours, Royal took me back to Steinmark’s recruiting trip to Austin in 1967, through the Big Shootout against Arkansas in 1969, to the moment President Richard M. Nixon handed him the national championship trophy in the cramped locker room in Fayetteville. He recalled the day at M. D. Anderson Hospital in Houston the next week when doctors informed Steinmark that his leg would be amputated if a biopsy revealed cancer. Royal never forgot the determined expression on Steinmark’s face, nor the bravery in his heart.

The next morning, Royal paced the crowded waiting room floor and said: “This just can’t be happening to a good kid like Freddie Steinmark. This just can’t be happening.”

With the love of his coach, Steinmark rose to meet the misfortune. Nineteen days after the amputation, he stood with crutches on the sideline at the Cotton Bowl for the Notre Dame game. After the Longhorns defeated the Fighting Irish, Royal tearfully presented the game ball to Steinmark.

Four decades later, while researching the Steinmark book, I became close to Royal again. As I was leaving his condominium the day of the interview, I said, “Coach, do you still remember me?” He smiled and said, “Now, Jim Dent, how could I ever forget you?” My sense of self-importance lasted about three seconds. Royal chuckled. He pointed across the room to the message board next to the front door that read, “Jim Dent appt. at 10 a.m.”

Edith and his assistant, Colleen Kieke, read parts of my book to him. One day, Royal told me, “It’s really a great book.” But I can’t be certain how much he knew of the story.

Like others, I was troubled to see Royal’s memory loss. He didn’t speak for long stretches. He smiled and posed for photographs. He seemed the happiest around his former players. He would call his longtime friend Tom Campbell, an all-Southwest Conference defensive back from the 1960s, and say, “What are you up to?” That always meant, “Let’s go drink a beer.”

As her husband’s memory wore thin, Edith did not hide him. Instead, she organized his 85th birthday party and invited all of his former players. Quarterback James Street, who engineered the famous 15-14 comeback against Arkansas in 1969, sat by Royal’s side and helped him remember faces and names. The players hugged their coach, then turned away to hide the tears.

In the spring of 2010, I was invited to the annual Mexican lunch for Royal attended by about 75 of his former players. A handful of them were designated to stand up and tell Royal what he meant to them. Royal smiled through each speech as his eyes twinkled. I was mesmerized by a story the former defensive tackle Jerrel Bolton told. He recalled that Royal had supported him after the murder of his wife some 30 year earlier.

“Coach, you told me it was like a big cut on my arm, that the scab would heal, but that the wound would always come back,” Bolton said. “It always did.”

Royal seemed to drink it all in. But everyone knew his mind would soon dim.

The last time I saw him was June 20 at the County Line, a barbecue restaurant next to Bull Creek in Austin. Because Royal hated wheelchairs and walkers, the former Longhorn Mike Campbell, Tom’s twin, and I helped him down the stairs by wrapping our arms around his waist and gripping the back of his belt. I ordered his lunch, fed him his sandwich and cleaned his face with a napkin. He looked at me and said, “Was I a college player in the 1960s?”

“No, Coach,” I said. “But you were a great player for the Oklahoma Sooners in the late 1940s. You quarterbacked Oklahoma to an 11-0 record and the Sooners’ first national championship in 1949.”

He smiled and said, “Well, I’ll be doggone.”

After lunch, Mike Campbell and I carried him up the stairs. We sat him on a bench outside as Tom Campbell fetched the car. In that moment, the lunch crowd began to spill out of the restaurant. About 20 customers recognized Royal. They took his photograph with camera phones. Royal smiled and welcomed the hugs.

“He didn’t remember a thing about it,” Tom Campbell said later. “But it did his heart a whole lot of good.”

Jim Dent is the author of “The Junction Boys” and eight other books.

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