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The 10-Point: My Guide to the Day's Top News

The Wall Street Journal
Good morning,
Trial of Terror
The suspected architect of the Paris attacks was killed in a hail of bullets Wednesday, but his ability enter the country has exposed failures in Europe’s border policies. Abdelhamid Abaaoud had traveled through Greece recently, authorities said, raising fresh concerns about Europe’s ability to protect its borders. U.S. and European counterterrorism officials believe Islamic State has changed its operational tactics by borrowing from al Qaeda’s playbook, deploying trusted lieutenants to engineer larger, more coordinated plots against the West. Meanwhile, White House and congressional staffers have asked Silicon Valley executives for new talks in Washington, D.C., to resolve a standoff over encrypted communication tools in the wake of the Paris terrorist attacks, people familiar with the matter said.
A Difficult Diagnosis
A fresh set of industry woes is pulling the Affordable Care Act back into the political spotlight. The biggest U.S. health insurer said it has suffered major losses on policies sold via the law’s exchanges and will consider withdrawing from them. The disclosure by UnitedHealth is the latest sign that many insurers are finding the new business unprofitable, despite an influx of customers that has helped swell revenues. But our Heard on the Street columnist Charley Grant says that UnitedHealth’s recent stumble shouldn’t cause broader concern about its business. The company will make market-by-market determinations in the first half of next year about whether it will continue selling products on the exchanges. Here’s a brief explanation about the insurer’s announcement.
A Lucrative Inversion
A proposed merger to combine Pfizer with Dublin-based Allergan would be the largest ever to move a U.S. company to a lower-tax jurisdiction. Pfizer’s decision to press forward with the combination has put the company on a collision course with the U.S. Treasury as the government released new rules to curb such deals. The new measures are intended to make it harder for U.S. companies to conduct inversions, as these tie-ups are called, though one legal expert indicated that the new rules won’t affect the Pfizer-Allergan deal “too badly.” There may be more rule-making in the offing that could cause trouble for the deal later on, however. Meanwhile, pending inversion deals include CF Industries Holdings’s purchase of Dutch fertilizer rival OCI NV and a merger of some of Coca-Cola’s global bottling operations.
Over the Hills and Far Away
Looking for an under-the-radar ski destination? Tupper Lake is the less-famous (and less crowded) version of Lake Placid. Second-home buyers are finding low-key luxury lodges equipped for year-round fun. With 28 miles of shoreline and a village of about 3,500 people, Tupper Lake attracts water-skiers, along with kayakers, paddle boarders, boaters and anglers in the summer. Check out this slideshow of rustic homes and street scenes from the area. And speaking of rustic, Architect Chad Oppenheim built his retreat in Aspen, Colorado, the Rocky Mountain capital of glitz and glam. However, his four-bedroom, 4½-bath home eschews the snowshoes-on-the-wall décor that lingers in some ski-town vacation homes.
Mali Hotel Attack
Developing on Gunmen took 170 people hostage this morning at a hotel in Bamako, the capital of Mali, a West African nation where French troops are at war with al Qaeda militants.
Paris Attacks: Female Suicide Bomber’s Last Words With Police
That Was Painless
The woman who detonated a suicide vest during a police raid in the Saint Denis neighborhood of Paris on Nov. 18 was the cousin of the alleged ringleader of the Paris attacks, Abdelhamid Abaaoud, officials say. This is an audio recording from the incident.

Gun Case Prompts Lawyers to Look Way Back—to 1328

House Passes Bill to Halt, Overhaul Syrian Refugee Process

France Expands Government’s Security Powers in Wake of Paris Attacks

Peronista Vote Falters in Argentina’s Poorer Urban Areas, Once Strongholds

‘Star Wars’ Aims Its Mighty Force Toward a Box-Office Smash

FDA Approves Genetically Modified Salmon

Square IPO May Prove to Be Turning Point for Technology

Perfect Storm at Petrobras, the World’s Most Indebted Oil Company
The carat size of a gem-quality diamond found this week at the Karowe Mine in Botswana, said Lucara Diamond Corp., the Vancouver-based company that owns and operates the mine. The nearly tennis-ball-size gem is the second-largest diamond ever unearthed.
Immigration reform is needed to ensure that the labor needs of the U.S. economy can continue to be met.
Louis DeSipio, a professor of political science at the University of California, Irvine, on the Mexican reverse-migration—as the number of Mexican immigrants coming to the U.S. has fallen below the number heading back to their country.
What are your thoughts on U.S. immigration policies given the new report on Mexican reverse-migration? Send your comments, which we may edit before publication, to Please include your name and location.
—Compiled by Khadeeja Safdar
On yesterday’s question about Jeb Bush’s assertion, John Hastings of Minnesota wrote, “As a father of a son who is in the Marines, I never want to see him go off to war and be put in harm’s way. But with the real threat that ISIS poses globally, I see no other way to defeat them if we don’t go all in with boots on the ground.” Irene Perez Vetto of Oregon commented, “Although the U.S. is weary of war, our lack of leadership and presence in Iraq has brought us to this point. If we had taken this on initially our presence would be minimal but effective now. The longer we wait to get involved, the greater the problem and number of Americans who will ultimately have their ‘boots on the ground.’” But William Tuck, Jr., wrote from California, “Of all the presidential candidates he really scares me. He is fanatical about going back to the Middle East and returning to the war there. We need to keep a coalition there and not go it alone! I hope the American people continue to dislike him.” And Mary Ann Mikulski weighed in from New York: “Boy, the rotten apple doesn’t fall far from the tree, does it? Both his father and brother are to blame for a large part of the upheaval in the Middle East. Now Jeb wants to continue the same failed policies. His mother, Barbara, was right when she said he shouldn’t run for president. What we need is a whole new paradigm of how to deal with terrorism.”
This daily briefing is named "The 10-Point" after the nickname conferred by the editors of The Wall Street Journal on the lead column of the legendary "What's News" digest of top stories. Technically, "10-point" referred to the size of the typeface. The type is smaller now but the name lives on.
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