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ut a seemingly insatiable demand for luxury condos in Miami, created in part by wealthy Latin Americans, has caused land prices to soar, making affordable housing projects harder to build anywhere close to downtown. Moving farther out is cheaper, but the cost savings on housing can be quickly wiped out by transportation costs. A 2012 study by the Center for Housing Policy found that Miami was the most expensive metropolitan area in the country when housing and transportation costs were combined.

n many markets, buying a home is considerably cheaper than renting, and Miami is no exception. But many people are shut out of buying because their income is too low, they don’t qualify for a mortgage or they are burdened by other debt. In 2008, a quarter of rental applicants were still paying off student loans, according to CoreLogic, but as of last fall half of them were doing so.

In 2014, Ahmad’s older brother Imad pleaded guilty in Denver to carrying a concealed weapon, records show. He was arrested again four years later on a charge of possession of a weapon by a previous offender, though prosecutors did not pursue charges.In 2016, a female member of the family pleaded guilty to a charge of reckless endangerment and was given a deferred sentence after she agreed to take a parenting class.In 2018, the Arvada police responded to a call at the house that stemmed from a dispute between Imad Alissa and his wife, Ms. Archuleta’s daughter. The couple had broken up (they later reconciled, Ms. Archuleta said), and a fight over a torn mattress had escalated to the point that the police were called.

Six days before the attack, Mr. Alissa bought a Ruger AR-556 pistol, a handgun that resembles a shortened assault-style rifle, from a gun store just three miles from the family home. About two days before the attack, a relative saw him back at the family home, playing with what she told the police looked like a “machine gun.”After the attack, the Mercedes C-class sedan that was often seen parked in the driveway of the large family house was one of the cars left in the parking lot at the King Soopers grocery, along with all of the other cars whose owners would not be driving them home. An empty rifle case was left in the passenger compartment.

Nearly 10 million Americans are behind on their rent payments, according to the U.S. Census Bureau. In the last two COVID-19 relief bills, Congress has approved more than $50 billion for rental assistance.

But the state and local application portals that the money will flow through are only just now opening up to take applications. So the vast majority of people who need the help won't have gotten it by the end of March when the CDC eviction order expires.

Studies have found that evictions spread COVID-19 and result in more deaths from the disease since people are forced into more crowded living situations and often double up with other families or family members.

Landlord groups have applauded the rental assistance money from Congress, but they are opposed to the CDC extending its order, saying landlords need to have the right to move forward with eviction cases a year into the pandemic.

Perhaps some are jealous of what appear to be greater opportunities afforded to younger people, bemused by younger generations’ lifestyles, and fearful that their own values are seen as outdated.

The trouble was the sheer number of Boomers. As a big generation, the Boomers had achieved political and cultural dominance. They were no more self-interested than any other group, but they warped government priorities. And that was unfair to everyone else. Boomers, Willetts argued, were not okay.

Both sides claim that the other is being condescending. Some Boomers argue that the word itself has become a cover for ageism; Millennials roll their eyes and reply with the phrase that has come to encapsulate their weariness: “Okay, Boomer.”

Boomers have bent the gravity of politics toward themselves and their needs. They buy newspapers. They vote. They wield their spending power effectively. Their voice is loud. To build a fair and just society, the question then must be: On everything from elderly care to housing, how do you persuade them to vote against their own interests?

Generational arguments are essentially family dramas, with all the friction that implies.

the rage tends to come not from Millennials, who feel disadvantaged, but from the Boomers, who feel attacked.

“When we have all this power, we shouldn’t be surprised when younger people are rather resentful,” he said. “I’m surprised they are aren’t angrier.”

In Britain, for example, Boomers have opposed housebuilding, leaving the country with a chronic shortage that protects the value of their homes but traps younger people in the expensive private-rental sector. (In 1980, the average private tenant spent 10 percent of their income on rent. That figure is now 30 percent.

Boomers have successfully deterred politicians from devaluing the state pension, even as salaries and working-age benefits have stagnated. The result is that pensioner poverty has halved since 2000, whereas poverty among people of working age has risen

defensiveness can sometimes manifest as retaliatory accusations that younger generations have it easy. The intergenerational debate has spawned its own weird jargon: “Avocado toast,” for example, has become shorthand for the argument that Millennials splurge their salaries on good living, rather than saving for a home like their parents did

the problem is particularly acute in Britain, because of the country’s steep fall in home ownership in recent decades. The British rental sector is much more “mom and pop”—literally. “Something like 20 percent of Boomers have a second property that they rent out,” Willetts said. That means there is a direct transfer of wealth from younger renters to older asset-owners.

How, though, do you explain to otherwise reasonable retirement-age voters how much damage their demands are causing to their children’s generation—without completely alienating them? “In politics, you’re not a kamikaze pilot, you’re not on a suicide mission,” Willetts said. He told the Boomers that the houses they owned had been largely built in the 1960s and ’70s so their parents had somewhere to live; they now had a similar obligation to allow more building for their own kids. “That was the only argument that gave them pause,”

differences within generations do matter, though, because rich Boomers, the luckiest part of a lucky generation, will leave their money to their children, further entrenching inequality. If the value of assets is rising faster than incomes, we are heading for a society where wealth matters more, and earnings matter less. The problem will not resolve itself without intervention.

One obvious answer is to build more houses (bad news for the residents’ associations who want to preserve their unblocked views or quiet roads) and ease lending criteria for younger people, to make it easier for them to get mortgages.

Willetts has a more radical idea: Offer younger people £10,000 when they turn 30, money that they could put into a pension, use to start a business, combine into a down payment, or spend on education or training

Officials have differing opinions about how much change Times Square may be in for over the next few years — as new businesses inevitably replace old ones — and how long its full recovery will take. Real estate and tourism officials say estimates range between one and four years.

"2021 is certainly going to feel more upbeat than 2020 did, but I think there will also be some disappointment,"

Douglas Hercher, managing director at RobertDouglas, a private real estate investment bank. "If people are thinking Times Square, by the summer, is going to look like the Times Square we all know and love, that's probably not going to be the case."

A Times Square Alliance study found foot traffic in the neighborhood's busiest block on 42nd Street between Seventh and Eighth avenues was down 70% from the previous year.

Tompkins says about 43% of Times Square's street-level businesses are currently closed, down from 87% in the spring. Hercher estimates 25%-30% of retail rental spaces in Midtown have "gone dark" due to tenants shuttering indefinitely.

"We've been really fortunate in that we raised the original capital for the project prior to Covid," Orowitz said. "At the end of the day, from the perspective of an entertainment and tourism Mecca, I think Times Square continues to evolve and will continue to be what it always was."

Krispy Kreme, for example, opened its new flagship Times Square location in September, a few months after Covid-19 lockdowns caused a 78% drop in Manhattan retail sales activity, according to the Metro Manhattan Office Space blog.

Tompkins says the pandemic hasn't changed Times Square's appeal to retailers looking to create more-engaging shopping experiences for their customers. Luxury real estate developer L&L Holding Company has continued construction of its TSX Broadway experiential retail complex throughout the pandemic.

L&L managing director David Orowitz says the pandemic hasn't shaken the developer's faith in the $2.5 billion project, which is still set to open at the end of 2022.

"You're going to see those retailers reducing their footprint to bring their costs in line with their sales. ... I think rental rates are going to have to come down tremendously to attract tenancy to those spaces."

the normalizing of remote work options across business sectors this year has already led many companies to scale back on office space, which some analysts have predicted will be a permanent shift in the commercial real estate market.

"We've definitely seen in the residential market, rents have dropped 10-15% this year in Manhattan," he said. "That's probably a little bit of the canary in the coal mine."

Only 8% of Manhattan's estimated 1 million office employees returned to their offices for work by mid-August, according to a survey conducted by the Partnership for New York City.

"There's talk about whether it makes sense to make those into residential usage," he said. "The name of the game here in the Covid era is flexibility."

“In some ways Amazon doesn’t really want to be a retailer,” said Juozas Kaziukenas of Marketplace Pulse, an e-commerce consultant. “It doesn’t want to do curation or offer human interaction,” two of the essential qualities of retail for centuries.

Offering tens of millions of items to hundreds of millions of customers prevents any human touch — but opens up a lot of space for advertising, and for confusion and duplicity.

It’s the paradox of plenty: The more things there are to buy, the more difficult it is to find the right thing among the plethora of ads and competition, new material and secondhand, quality and garbage.

“Amazon knows what I buy, how often I buy, what I search for,” Mr. Kaziukenas said. “But decades after it launched, it can’t answer a simple question — what would Juozas like to buy? Instead it shows me thousands of deals, with some basic filters like category and price, and hopes I will find what I like. Amazon is so much work.”

Once upon a time, when the dot-coms roamed the earth, the Amazon bookstore was a simple place. It had knowledgeable human editors, bountiful discounts and delivery that was speedy for the era. For the book-obsessed, it offered every publisher’s backlist, obscure but irresistible titles that had previously been difficult to discover and acquire.

Amazon “doesn’t care if this third-party stuff is a chaotic free-for-all,” she added. “In fact, it’s better for Amazon if legitimate businesses don’t stand a chance. In the same way Amazon wants to turn all work into gig jobs, it wants to turn running a business into a gig job. That way it can walk off with all the spoils.”

Third-party sellers were an Amazon innovation in the late 1990s. Before that, stores either entirely controlled the shopping experience or, if they had a lot of sellers under one roof, were called flea markets and were not quite reputable.

Amazon in theory offered the brisk competition of the latter while exercising the oversight of the former. Bringing in third-party sellers was also a way for Amazon to champion how it was helping small businesses, which helped defuse controversies about its size and behavior.

A new report from the Institute for Local Self-Reliance, a research and advocacy group often critical of Amazon, details the most direct benefit of third-party sellers to the retailer: profits. A third-party seller pays Amazon $34 out of every $100 in sales, the nonprofit institute calculates, up from $19 in 2014.

The money comes from fees, ads and premium logistics that make the merchandise more visible to potential buyers. Amazon called the report “intentionally misleading” because the site does not force sellers to advertise or use its logistics system.

Bookselling at Amazon is a two-tier system, said Stacy Mitchell, a co-director of the institute and the author of the report, “Amazon’s Toll Road: How the Tech Giant Funds Its Monopoly Empire by Exploiting Small Businesses.”

“Best sellers and other books that you might find at a local bookstore are almost all sold by Amazon itself at prices that keep those competitors at bay,” Ms. Mitchell said. “Then Amazon lets third-party sellers do the rest of the books, taking a huge cut of their sales.”

The combination of all those things in one place was a sensation. Amazon quickly took market share from independent stores and chains.

Extraordinary prices for ordinary books have been an Amazon mystery for years, but the backdating of titles to gain a commercial edge appears to be a new phenomenon. A listing with a fake date gets a different Amazon page from a listing with the correct date. In essence, those Boland books were in another virtual aisle of the bookstore. That could power sales.

Mark Lemley, the director of the Stanford Program in Law, Science and Technology, said the company was probably right. “I don’t think Amazon will be liable for misstatements posted by others, and certainly not if it wasn’t aware of them,” he said.

In 2019, Mr. Bezos celebrated the fact that Amazon’s two million independent sellers were doing so well. “To put it bluntly: Third-party sellers are kicking our first party butt,” he wrote. They were pulling in $90,000 a year on average, the company said.

The U.S. attorney’s office in the Western District of Michigan recently announced arrests in a case involving Amazon’s textbook rental program. Geoffrey Mark Hays Talsma was charged with selling his rentals of “Using Econometrics: A Practical Guide,” “Chemistry: Atoms First” and other volumes instead of returning them.

At Amazon, the customer is king. According to the indictment, Mr. Talsma profited by repeatedly saying he had received the wrong products. He said, for instance, he had mistakenly been shipped flammable products that could not be returned, like a bottle of Tiki Torch Fuel that was leaking. Amazon would then credit his account.

What’s remarkable is the scale, length and profitability of this alleged activity. Amazon allows customers to rent up to 15 textbooks at a time. With the help of three confederates, Mr. Talsma rented more than 14,000 textbooks from Amazon over five years, making $3.4 million, prosecutors say. His lawyer declined to comment.

It’s the same story over and over again, Mr. Boland said: “Amazon has done a great job of expanding the marketplace for books. It’s too bad they’ve decided not to police their own platform, because it’s leading to all sorts of trouble.”

Amazon has resisted requiring its sellers to share more information about themselves. It has opposed lawmakers’ efforts to demand more transparency, saying it would violate sellers’ privacy. Recently it signaled guarded approval of a weaker bill but noted that there were a few parts of it “that could be refined.”

“It doesn’t seem like anyone at Amazon is saying: ‘We’re junking the store up. We have to decide what’s best for the customer,’” said Ms. Friedman, the publishing consultant.

Small presses say it’s hard to get Amazon to acknowledge a mistake, because it’s hard to get hold of a human being who could fix it. Valancourt Books, a publisher in Richmond, Va., that has won acclaim for its reissues of horror and gay interest titles, frequently runs afoul of the site.

In a city like New York, where everything is superlative, who exactly is middle class?

“My niece just bought a home in Atlanta for $85,000,” she said. “I almost spend that on rent and utilities in a year.

“It’s overwhelmingly housing — that’s the big distortion relative to other places,” said Frank Braconi, the chief economist in the New York City comptroller’s office. “Virtually everything costs more, but not to the degree that housing does.”

“Housing has always been one of the ways the middle class has defined itself, by the ability to own your own home. But in New York, you didn’t have to own.” There is no stigma, he said, to renting a place you can afford only because it is rent-regulated; such a situation is even considered enviable.

The average Manhattan apartment, at $3,973 a month, costs almost $2,800 more than the average rental nationwide. The average sale price of a home in Manhattan last year was $1.46 million, according to a recent Douglas Elliman report, while the average sale price for a new home in the United States was just under $230,000.

New Yorkers also live in a notably unequal place. Household incomes in Manhattan are about as evenly distributed as they are in Bolivia or Sierra Leone — the wealthiest fifth of Manhattanites make 40 times more than the lowest fifth, according to 2010 census data.

There is no single, formal definition of class status in this country. Statisticians and demographers all use slightly different methods to divvy up the great American whole into quintiles and median ranges. Complicating things, most people like to think of themselves as middle class. It feels good, after all, and more egalitarian than proclaiming yourself to be rich or poor. A $70,000 annual income is middle class for a family of four, according to the median response in a recent Pew Research Center survey, and yet people at a wide range of income levels, including those making less than $30,000 and more than $100,000 a year, said they, too, belonged to the middle.

“You could still go into a bar in Manhattan and virtually everyone will tell you they’re middle class,” said Daniel J. Walkowitz, an urban historian at New York University.

The price tag for life’s basic necessities — everything from milk to haircuts to Lipitor to electricity, and especially housing — is more than twice the national average.

Without the clear badge of middle-class membership — a home mortgage — it is hard to say where a person fits on the class continuum. So let’s consider the definition of “middle class” through five different lenses.

If the money you live on is coming from any kind of investment or dividend, you are probably not middle class, according to Mr. Braconi.

If you live in Manhattan and you are making more than $790,000 a year, then congratulations, you are the 1 percent.

By one measure, in cities like Houston or Phoenix — places considered by statisticians to be more typical of average United States incomes than New York — a solidly middle-class life can be had for wages that fall between $33,000 and $100,000 a year.

By the same formula — measuring by who sits in the middle of the income spectrum — Manhattan’s middle class exists somewhere between $45,000 and $134,000.

But if you are defining middle class by lifestyle, to accommodate the cost of living in Manhattan, that salary would have to fall between $80,000 and $235,000. This means someone making $70,000 a year in other parts of the country would need to make $166,000 in Manhattan to enjoy the same purchasing power.

Using the rule of thumb that buyers should expect to spend two and a half times their annual salary on a home purchase, the properties in Manhattan that could be said to be middle class would run between $200,000 and $588,000.

On the low end, the pickings are slim. The least expensive properties are mostly uptown, in neighborhoods like Yorkville, Washington Heights and Inwood. The most pleasing options in this range, however, are one-bedroom apartments not designed for children or families.

“There’s no room for the earlier version of the middle class,” Mr. Walkowitz said. Firefighter, police officer, teacher and manufacturing worker all used to be professions that could lift a family into its ranks. But those kinds of jobs have long left people unable to keep up with soaring real estate prices.

Positions that would nudge a family into the upper class elsewhere — say, vice president or director of strategy — and professions like psychologist are solidly middle class in Manhattan.

The same holds true for jobs in higher education, a growth sector for the city. The average tenured university professor at New York University or Columbia makes more than $180,000 a year, according to a 2012 survey by The Chronicle of Higher Education. Sweetening the deal for those looking to buy, N.Y.U. has offered mortgage assistance and discounted loans, while qualified Columbia faculty are eligible for a subsidy of up to $40,000 a year. Some faculty members benefit from university housing that rents well below the market rate, in prime locations on the Upper West Side and in Greenwich Village.

Because her building is owned by Columbia, her rent, about $1,800 a month, is manageable on an associate professor’s salary, which averages about $125,000. A similar market-rate apartment on the Upper West Side costs about $6,000 a month,

One way to stay in Manhattan as a member of the middle class is to be in a relationship. Couples can split the cost of a one-bedroom apartment, along with utilities and takeout meals. But adding small roommates, especially the kind that do not contribute to rent, creates perhaps the single greatest obstacle to staying in the city.

Only 17 percent of Manhattan households have children, according to census data. That is almost half the national average, making little ones the ultimate deal-breaker for otherwise die-hard middle-class Manhattanites.

“Understanding who is middle class, in New York, but especially Manhattan, is all about when you got into the real estate market,” he said. “If you bought an apartment prior to 2000, or have long been in a rent-stabilized apartment, you could probably be a teacher in Manhattan and be solidly middle class. But if you bought or started renting in a market-rate apartment over the last 5 or 10 years, you could probably be a management consultant and barely have any savings.”

“The only artists I know now who are still in Manhattan,” she said, “either made it big and bought, or are still in the rent-controlled studios they landed in 1976, and will leave in a coffin.”

People define class as much by association and culture as they do by raw numbers — a sense, more than anything, of baseline financial security garnished by an occasional luxury like a vacation, and a belief that things can get better through hard work and determination.

In the last decade, the percentage of people who are paying “unaffordable rents” (defined as more than 30 percent of their income) has increased significantly, according to a report issued in September by the city’s comptroller.

The only young people she sees moving in around her are often buoyed by parental support, given an apartment at graduation the way she was given a Seiko watch. As her own friends and neighbors age or die out, she wonders, “who is going to take our place?”

Yet when various senators asked Carson to weigh in on specific programs that helped their constituents, he consistently pledged to keep them going. That included a rental-assistance demonstration that provides assistance to 4.5 million households, a community-development block grant that will provide $1.6 billion to Americans, including thousands affected by floods in Louisiana, and a program to rid housing of lead hazards. In fact, he said, a program to end veteran homelessness “needs more enhancements.” He also promised to embark on a nationwide “listening tour” to hear more about what needs to be improved at the department.And, despite his own repeated statements to cut down on expenses, he pledged, to the Democrat senator Brian Schatz of Hawaii, that he would advocate for a budget for HUD

Give me a real crisis with enough urgency to invest the parties with ownership, set up a credible process, find a mediator with will and skill, add a little luck, and poof, you too can have a chance at an agreement. Less is more here. Toward that end, here are a half dozen rules of the road on when and how negotiations actually work.

Own up: Former World Bank and Harvard President Larry Summers was right. In the history of the world nobody ever washed a rental car. People really care only about what they own. And without those in conflict actually investing themselves in the need for an agreement, there won’t be one.

Another Fisher principle was to develop objective criteria so that when there was disagreement, there would be some reasonable baseline to resolve them

Nobody Gets 100%: The Rolling Stones got this one right: You get what you need, not always what you want. To do a deal that lasts requires a balance of interests where both leaders can convince themselves they got enough on the substance—and persuade their publics too. A third party mediator can often help to make the sale by being creative in packaging. But the substance has to be real.

A Credible Process: The so-called peace process—now in a coma—has gotten a bad name. And it’s easy to see why. But if you want to reach an agreement, you’ll need a process that’s credible all the same. Negotiations on complex issues involving identity, religion, security take time. Expectations need to be managed. And there must be a sense that the process—however difficult—is heading toward mutually agreeable goals.

The 3rd Party: It would be nice to fantasize that the Arabs and Israelis could do this peace thing without the help of a third party, but history says no. Sure, the two sides often start the process. But the gaps are too wide, the mistrust too deep, and the need for assurances—economic, technical and security assistance—too great to go it alone.

put down those academic books. Get yourself to the nearest video store and rent West Side Story and the Godfather. That’s what real world negotiations look like.

The millennials are just now beginning to emerge from the nest — at least those who can afford to live on their own. This coming-of-age cohort also favors urban downtowns and suburban town centers — for lifestyle reasons and the convenience of not having to own cars.

Many drivable-fringe house prices are now below replacement value, meaning the land under the house has no value and the sticks and bricks are worth less than they would cost to replace. This means there is no financial incentive to maintain the house; the next dollar invested will not be recouped upon resale. Many of these houses will be converted to rentals, which are rarely as well maintained as owner-occupied housing. Add the fact that the houses were built with cheap materials and methods to begin with, and you see why many fringe suburbs are turning into slums, with abandoned housing and rising crime.

The good news is that there is great pent-up demand for walkable, centrally located neighborhoods

The cities and inner-ring suburbs that will be the foundation of the recovery require significant investment at a time of government retrenchment. Bus and light-rail systems, bike lanes and pedestrian improvements — what traffic engineers dismissively call “alternative transportation” — are vital.

With that political backdrop, Obamacare deals only indirectly with high prices. By regulating and mandating insurance plans, it seeks to create a better, more competitive market that will make care from doctors and hospitals cheaper.

With half a billion dollars spent by medical lobbyists each year, according to the Washington-based Center for Responsive Politics, our fragmented profit-driven system is effectively insulated from many of the forces that control spending elsewhere

Many health economists say we must move away from the so-called fee-for-service model, where doctors and hospitals bill every event, every pill, every procedure, even hourly rental of the operating room.

And so American patients are stuck with bills and treatment dilemmas that seem increasingly Kafkaesque.

Given that national or even regional rate-setting is out of the question, most health economists argue that the nation needs a new type of payment model, one where doctors and hospitals earn more by keeping patients healthy with preventive care rather than by prescribing expensive tests.

The Affordable Care Act generally requires patients to be responsible for more of their bills — copays and deductibles — so they will become more price-savvy medical consumers. But the deck is stacked against them in a system where doctors and hospitals are not required or expected to provide upfront pricing. Why not?

And policy makers need to address two of the biggest drivers of our inflated national health care bill: the astronomical price of hospitalizations and particularly end-of-life care.

The Internet of Things is a game-changing platform that enables an emerging collaborative commons to flourish alongside the capitalist market.

A recent study revealed that approximately 50 percent of the aggregate revenue of the nonprofit sectors of 34 countries comes from fees, while government support accounts for 36 percent of the revenues and private philanthropy for 14 percent.

Millions of people are using social media sites, redistribution networks, rentals and cooperatives to share not only cars but also homes, clothes, tools, toys and other items at low or near zero marginal cost. The sharing economy had projected revenues of $3.5 billion in 2013.

In the United States, the number of nonprofit organizations grew by approximately 25 percent between 2001 and 2011, from 1.3 million to 1.6 million, compared with profit-making enterprises, which grew by a mere one-half of 1 percent. In the United States, Canada and Britain, employment in the nonprofit sector currently exceeds 10 percent of the work force.

This collaborative rather than capitalistic approach is about shared access rather than private ownership.

A formidable new technology infrastructure — the Internet of Things — is emerging with the potential to push much of economic life to near zero marginal cost over the course of the next two decades. This new technology platform is beginning to connect everything and everyone. Today more than 11 billion sensors are attached to natural resources, production lines, the electricity grid, logistics networks and recycling flows, and implanted in homes, offices, stores and vehicles, feeding big data into the Internet of Things.

One reason, he theorized, is that 20- and 30-somethings are having a harder time finding the full-time jobs they need to afford their homes and real estate taxes. Nationwide, he said, the proportion of 25- to 34-year-olds who own homes has declined sharply.

the city is safer and more energized than it was a generation ago, and its allure has grown. Cities like Baltimore, Washington and Boston have also revitalized rundown or desolate neighborhoods.

Unless downtowns become livelier, he said, the island’s “long-term sustainability” will be hurt because new businesses will not locate in places where they cannot attract young professionals.

But he said there is also survey data that seems to show “that younger adults are becoming more drawn to denser, more compact urban environments that offer a number of amenities within walking distance of where they live.” And, he said, more ethnically mixed communities — with more rental housing and immigrants — are gaining population.

His theory is that young people are marrying later and moving to the suburbs later. Others say that young people seem to be taking more time finding themselves, and are willing to flounder at home for a time, pushing the traditional arc of adult life into the future. Continue reading the main story 21 Comments “Parents used to be 35ish, now they’re 45ish,” Mr. McCormack said. “What we’re seeing is not so much an exodus as a later arrival.”

when I first asked Ismoil about ISIS after the Paris attacks, he asked me one question back: "Why do you think they did it?" I responded with the only thing I knew: "They hate us."

He said that to resolve the conflicts between extremists in the Middle East and the West, it was important to talk "human to human," but he also made it clear that he empathizes at least somewhat with the Islamic State. Unsurprisingly, many of his views would be considered appalling to the vast majority of Americans, but our conversation gave me a window into the worldview of people who think the US is to blame for terrorism.

So, the question should be who is the first to be blamed? Tell both sides of the story.

You don't have to recruit people for ISIS. They're Muslims from all over the world that have seen an injustice after 25 years and want to help their brothers. What you have to understand is the Iraqi people are the most stubborn of the Muslim world. They won't accept occupation or humiliation.

People over in America ask why ISIS did this. [But] people in the Middle East ask, "Why is the US doing this to us?" Put yourself in their shoes—France is dropping bombs for a year in Iraq and [more recently] Syria, destroying everything, women, children, buildings... A bomb doesn't discriminate between ISIS or women and children—it just destroys.

ISIS is not jihadists recruited from all over to fight. They are the Sunni Muslims that have lived through 25 years of wars, torture, and rapes. They are the Iraqi and Syrian people that have suffered from unjust wars started by the US government. And when the US government [mostly pulled out of] Iraq in 2010, the Shia and Maliki government started killing the Sunni day and night under the watch of the Americans.

Imagine the Iraq and Syrian people. After a year of bombing, you see your people killed, land destroyed, children scared to do anything more than hide in the corners all day. All this coming from bombs in the sky and you can't stop it. What would you do?

My religion prohibits attacks on civilians. Unfortunately, many Muslims don't know much about Islam

What about the Planned Parenthood attack?What this man did is worse then what the doctors do. If this is what he's angry at, taking life, he did worse. Islam doesn't believe in abortion—all life is precious....[But] what he did was kill adult people who are grown. How is he trying to solve the issue?

For every action, there's a reaction. If you throw a ball against a wall, it's going to come back at you. If you throw a ball hard, it's going to come back at you hard. This is the problem with all sides in these wars. We hit you, you hit back. We hit you hard, you hit back harder. Back and forth, back and forth. Nobody wins. Both sides end up with death and destruction.

The Arabs are not radicalizing themselves. Your government action is radicalizing the Arabs

The only thing that keeps us just is Islam. Because in Islam, the peace, the justice, comes from the sky. The one who created earth and man, he knows best.

To solve the problem from the root, everyone has to become human. They need to talk, human to human. Let the people decide what they want. Leave them alone. Everyone can come together and say enough is enough. How long are we going to keep this action up? For the rest of our lives?It's the law of the jungle that we're living in right now. We were given more sense than this. We walk on two legs, with our heads high. But right now, we are walking with our heads down. We need to lift our heads up, and use the brains God created for us.

"hate the infidels,"

The blue wave of November, however, changed the balance of power in Albany, with Democrats taking both houses of the Legislature, and unleashing a phalanx of progressives on the capital, part of a left-wing movement bent on correcting income inequality and pushing for higher taxes on the rich.

The bill’s sudden political momentum blindsided real estate executives, who fear the tax could irreparably damage the city’s high-end market, which is already experiencing a downturn.

“Five million dollars sounds like a lot; you can buy the biggest house in Montana,” said Dolly Lenz, chief executive of Dolly Lenz Real Estate and former vice chairwoman of Douglas Elliman Real Estate. “In New York, $5 million buys a two bedroom in Hudson Yards.”

Under the city’s antiquated property tax system, co-ops and condos are not taxed at their true market value, but on the income generated by similar rental buildings.

The $238 million apartment, purchased by the Chicago-based hedge fund billionaire Kenneth C. Griffin, is currently valued at $9.4 million, according to the Department of Finance. That comes out to less than 4 percent of the sales price. A property valued at that amount would pay approximately $516,000 in taxes per year, Ms. Stark said.

For early-adopters of such taxes, the increasing interest and new legislative traction has been satisfying. “It’s like a fine wine,” said Ron Deutsch, executive director of Fiscal Policy Institute, the left-leaning think tank which offered a white paper on the idea in 2014. “Sometimes it takes a little time.”

“We’re going to see a whole bunch of college graduates and people finishing graduate programs this summer who are going to really struggle to find work.”

People just starting out now, and those who will begin their adult lives in the years following the pandemic, will be asked to walk a financial tightrope with no practice and, for most, no safety net. Fewer of them will be able to turn to their parents or other family members for significant help

To gauge what’s in store for job-seekers, it might be most useful to look to a different, more recent kind of disaster: the 2008 financial collapse. More than a decade later, its effects are widely understood to have been catastrophic to the financial futures of those who were in their teens and 20s when it hit.

Not only did jobs dry up, but federal relief dollars mostly went to large employers such as banks and insurance companies instead of to workers themselves.

investors picked off dirt-cheap foreclosures to flip them for wealthier buyers or turn them into rentals, which has helped rising housing prices far outpace American wage growth.

Millennials, many of whom spent years twisting in the wind when, under better circumstances, they would have been setting down the professional and social foundations for stable lives, now have less money in savings than previous generations did at the same age. Relatively few of them have bought homes, married, or had children.

Just as the nation’s housing stock moved into the hands of fewer people during the Great Recession, small and medium-size businesses might suffer a similar fate after the pandemic, which could be a nightmare for the country’s labor force.

Schoolwork, it turns out, is hard to focus on during a slow-rolling global disaster.

American restaurants, which employ millions, have been devastated by quarantine restrictions, but national chains such as Papa John’s and Little Caesars are running television ads touting the virus-murdering temperatures of their commercial ovens,

The private-equity behemoth Bain Capital is making plans to gobble up desirable companies weakened by the pandemic. The effect could be a quick consolidation of capital, and the fewer companies that control the economy, the worse the economy generally is for workers and consumers.

Less competition means lower wages, higher prices, and conglomerates with enough political influence to stave off regulation that might force them to improve wages, worker safety, or job security.

as with virtually all problems, grad school is not the answer to whatever the coronavirus might do to your future.

there will be “definitely an increase” in people seeking education post-quarantine, taking advantage of loan availability to acquire expertise that might better position them to build a stable life.

those decisions have since worsened their economic strain, while not significantly improving professional outcomes.

Private universities may suddenly be too expensive, and frequent plane rides to faraway colleges might seem much riskier. Mass delays will affect things like school budgets and admissions for years, but in ways that are difficult to predict.

there is no precedent for a life-interrupting disaster of this scale in America’s current educational and professional structures.

What will become of Generation C?

Many types of classes don’t work particularly well via videochat, such as chemistry and ecology, which in normal times often ask students to participate in lab work or go out into the natural world.

“People with a resource base and finances and so forth, they’re going to get through this a whole lot easier than the families who don’t even have a computer for their children to attend school,”

Disasters, he told me, tend to illuminate and magnify existing disadvantages that are more easily ignored by those outside the affected communities during the course of everyday life.

Disasters also make clear when disadvantages—polluted neighborhoods, scarce local supplies of fresh fruits and vegetables, risky jobs—have accumulated over a lifetime, leaving some people far more vulnerable to catastrophe than others

Children in those communities already have a harder time accessing quality education and getting into college. Their future prospects look dimmer, now that they’re faced with technical and social obstacles and the trauma of watching family members and friends suffer and die during a pandemic.

in moments of great despair, people’s understanding of what’s possible shifts.

For that to translate to real change, though, it’s crucial that the reactions to the new world we live in be codified into policy. Clues to post-pandemic policy shifts lie in the kinds of political agitation that were already happening before the virus. “Things that already had some support are more likely to take seed,

This is where young people might finally be poised to take some control. The 2008 financial crisis appears to have pushed many Millennials leftward

When housing prices soared, wages stagnated, and access to basic health care became more scarce, many young people looked around at the richest nation in the world and wondered who was enjoying all the riches. Policies such as Medicare for All, debt cancellation, environmental protections, wealth taxes, criminal-justice reform, jobs programs, and other broad expansions of the social safety net have become rallying cries for young people who experience American life as a rigged game

the pandemic’s quick, brutal explication of the ways employment-based health care and loose labor laws have long hurt working people might make for a formative disaster all its own.

“There’s a possibility, particularly with who you’re calling Generation C, that their experience of the pandemic against a backdrop of profoundly fragmented politics could lead to some very necessary revolutionary change,”

The seeds of that change might have already been planted in the 2018 midterm elections, when young voters turned up in particularly high numbers and helped elect a group of younger, more progressive candidates both locally and nationally.

Younger people “aren’t saddled with Cold War imagery and rhetoric. It doesn’t have the same power over our imaginations,”

a subset of young voters believes that some American conservatives have cried wolf, deriding everything from public libraries to free doctor visits as creeping socialism until the word lost much of its power to scare.

the one-two punch of the Great Recession and the coronavirus pandemic—if handled poorly by those in power—might be enough to create a future America with free health care, a reformed justice system, and better labor protections for working people.

But winds of change rarely kick up debris of just one type. The Great Recession opened the minds of wide swaths of young Americans to left-leaning social programs, but its effects are also at least partially responsible for the Tea Party and the Trump presidency. The chaos of a pandemic opens the door for a stronger social safety net, but also for expanded authoritarianism.

Beyond politics and policy, the structures that young people have built on their own to endure the pandemic might change life after it, too. Young Americans have responded to the disaster with a wave of volunteerism, including Arora’s internship-information clearinghouse and mutual-aid groups across the country that deliver groceries to those in need.

As strong as people’s reactions are in the middle of a crisis, though, people tend to leave behind the traumatic lessons of a disaster as quickly as they can. “Amnesia sets in until the next crisis,” Schoch-Spana said. “Maybe this is different; maybe it’s big enough and disruptive enough that it changes what we imagine it takes to be safe in the world, so I don’t know

Coronavirus testing is also more straightforward for the wealthy. Lisa Benya, medical director of CURE Daily, a Malibu, Calif.-based medical and wellness practice, had one of her patients tested after hearing him cough over the phone.

“A lot are so grateful to be able to reach out in the middle of the night,” she said. “That relieves a lot of anxiety. If someone needs to be sent to the hospital, we get a way to get them in.”

Former White House doctor Connie Mariano said demand for her $15,000 a year “concierge doctor” service has risen in recent weeks, as more patients seek to navigate the outbreak

“In our area we have less of a restriction in testing,” she said. “Our labs have the capability to test, but it’s not unlimited.” She said interest from prospective new members has doubled in recent weeks, as the coronavirus crisis has taken hold.

In Russia, the wealthy are taking things a step further. No longer able to travel abroad for treatment, they are setting up makeshift clinics in their homes or office

Rich Russians have also been buying up ventilators, at a cost of more than $25,000, for use in their personal clinics.

For the rich, self-isolation needn’t be unpleasant. Luxury rental properties in the Caribbean, Hawaii and the Mediterranean have recently been in hot demand,

“They have the money and the means to get away,” said Ms. Mosgrove, who counts celebrities, entrepreneurs and financiers among her clients.

New customers include families traveling for spring break and corporate clients restricted from flying commercially who are able to spend up to $7,000 an hour for a charter flight. And this isn’t just about the plane: Many clients have expressed fear of traveling through large airports, especially after seeing news reports of crowds crammed into Chicago’s O’Hare and New York’s JFK. Most private planes fly out of small terminals reserved for VIP customers.

doctors with concierge service are suddenly in high demand. The idea is simple. Clients pay an annual fee, which allows the doctors to spend more time with fewer patients. It’s the modern version of the small-town general physician who’s been taking care of families for decades.

Long’s practice isn’t just for the rich, but his clients — about 60 percent are older than 60 — pay about $2,000 a year for the personal attention and access a concierge physician can provide.

Clients with MD2, which has practices in New York, Beverly Hills, McLean and other high-income locations, pay $15,000-$25,000 annually for doctors who serve only 50 families

Throughout history, scholars, scientists and philosophers have wrestled with the stark fact that the most of the rich survive plagues and pandemics while the poor die cruelly.

Historians believe the disease killed about 75 million people, a third of Europe’s population overall, and most of the victims were poor. “Plague is primarily an urban phenomenon,” says Keller. As with most pandemics, the disease spread quickly among those living in close quarters

Mortality demographics are hard to pinpoint before the 19th century, but it is believed that the wealthy fared far better because they were better fed and healthier to begin with.

Cholera is the “health and wealth story of the 19th century,” explains Keller. The first pandemic began in Jessore, India, in 1817 — where hundreds of thousands died — and reached Europe by 1831, killing 6,500 in London and 18,000 in Paris. Almost all of these deaths occurred in the poorest, most crowded sections of the cities, the product of contaminated food or water.

In 1842, Edgar Allan Poe wrote "Masque of the Red Death." The short story, one of Poe's best, is set in a fictional country where a gruesome disease called the Red Death has ravaged the land.

The ruler, Prince Prospero, is not afraid. He closes his palace to all except a thousand of his favorite knights and ladies, then welds the doors shut. “With such precautions the courtiers might bid defiance to contagion,” writes Poe. “The external world could take care of itself. In the meantime it was folly to grieve or to think. The prince had provided all the appliances of pleasure.

One night, the prince decides to host a masquerade ball for his friends. At midnight, a guest arrives wearing a mask of a corpse and a costume like a funeral shroud. Prospero is furious at the tasteless display; his guests shrink away. The prince confronts the figure and immediately dies.

You can guess what happens next: Everyone else in the castle dies. “And Darkness and Decay and the Red Death held illimitable dominion over all,” concludes Poe.