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Expat Fury at Cyprus ‘Bank Raid’

LONDON - Thousands of expatriates living in Cyprus may be having second thoughts about picking the Mediterranean island as their retirement home.

The government’s plan to tap private bank accounts as part of a €10 billion, or $13 billion, bailout to shore up the country’s banks will affect the island’s many foreign residents as well as native Cypriots.

As Cypriot and euro zone officials sought to soften the blow on small savers by reducing the proposed levy on depositors holding less than €100,000, the Cypriot parliament was preparing to vote on the measures later on Tuesday.

Census figures from 2011 showed that more than 1 in 5 residents were foreigners, representing a doubling of the expat community over the previous decade.

Many of these are retirees, principally British, who decided to swap the gray skies of northern Europe for some Mediterranean sun, a less stressful lifestyle - and tax breaks. The overall British expat population of almost 27,000 was second only to Greeks in the 2011 census.

The Telegraph newspaper, which provides a special online service for its many expat readers, reported fury among the British community at proposals that amounted to the planned “legalized theft” of their savings and an attack on their human rights.

In London, the government temporarily froze state pension payments to an estimated 18,000 British retirees in the former British colony, so that the money stayed safe until the situation in Cyprus was clarified.

The British government had already guaranteed it would compensate its 3,000 military personnel and 250 civil servants in Cyprus if they lost savings because of the levy.

One retiree told the Cyprus Mail, “I think this is a disgusting situation and the entire country has gone to the dogs.”

Yvette Hardman, 68, who lives in the retirement resort of Paphos told the newspaper, “How everyday people can be punished for the fact that the government is unable to run the country properly is beyond me.”

Robert Clayton, a Paphos resident for the past decade, told the Mail, “No one will trust the Cypriot government now and this will have a serious knock on effect.” It would deter future retirees and further damage the declining property market, he said.

There was nevertheless sympathy expressed for the Cypriot government, which was seen as having been pressured by its European partners.

Which Offshore, a not-for-profit advice service for expatriates, said it feared the Cyprus contagion could spread and threaten millions of expat retirees in Spain, Portugal and Italy.

“Expats are always advised to hold funds in a safe jurisdiction such as the Isle of Man where a low proliferation of lending banks means that assets are extremely safe,” it said.

One anonymous expat told the Cyprus Mail that Cypriots and foreign residents should stand together in the crisis, saying, “Only rats leave a sinking ship.”



Subjunctivitis

The subjunctive mood is a bit more arcane than other entries on our list of favorite grammar gaffes, like subject-verb agreement. Still, it’s a sign of polish and precision to get this right. The subjunctive is most often used in contrary-to-fact conditions and for wishes and other hypothetical expressions.

We stumble both by failing to use the subjunctive when we should and by overcorrecting and using it when it isn’t called for. Here are two examples of each:

---

Right above that is another standard city street sign that reads “A New St,” as if “A New” is the block’s appellation.

This is a contrary-to-fact condition; the road’s name is not “A New Street.” So use the subjunctive “were” instead of the indicative “is” or “was”: “as if ‘A New’ were the block’s appellation.”

---

Instead, here’s what would actually happen if the president was understood to be taking the “mint the coin” option seriously.

Another contrary-to-fact condition; he’s not really taking this option seriously. So make it “if the president were …”

---

David Gale, the Simon & Schuster executive who bought the “Nate” books, said a sales agent at the company asked whether the kiss were needed and whether it would limit sales. But Mr. Gale noted that it was key to the book.

We were led astray, apparently, by “whether.” But this is not a contrary-to-fact condition, just an indirect quotation after the past-tense verb “asked,” so the subjunctive is not called for. Sequence-of-tense rules demand a regular past-tense verb: “a sales agent asked whether the kiss was needed.” (The original question was “Is the kiss needed” After the past-tense “asked,” “is needed” becomes “was needed.”)

---

But one final hurdle has been set by a Manhattan Surrogate Court judge. Noting that the will specified that the art should go to the colonel’s brother-in-law and two friends if the collection were not kept together, Judge Nora Anderson told the museum in December 2011 that it must search for these three men’s descendants before she would rule.

Again, no need for the subjunctive “were”; this is not a contrary-to-fact condition. The original provision was something like, “if the collection is not kept together”; to put the whole clause into the past, make it “if the collection was not kept together.” (This was later fixed.)

 
In a Word

This week’s grab bag of grammar, style and other missteps, compiled with help from colleagues and readers.

---

With the industry’s popularity has come concerns over safety, pollution and the impact of thousands of tourists.

The inverted structure may have thrown us off, but the subject of the sentence is the plural “concerns”; make it “have come concerns …”

---

At times, when dealing with Audubon, boundaries between bird and human dissolve.

A dangler; the boundaries are not “dealing with Audubon.” Rephrase.

---

[Correction] An article on Thursday about the prospects of a free-trade pact between the United States and the European Union misstated the potential benefit of such an accord to BMW’s revenue. It could add hundreds of millions of euros annually, not hundreds of billions.

Every mention of “millions” or “billions” in a story should draw extra scrutiny from writer and editor. This is wrong not by one letter, but by a factor of 1,000. A moment’s thought would make clear that we couldn’t possibly be talking about hundreds of billions of euros in added revenue for one company.

---

Ben Clark’s decision to begin “The Alaskan Way” with the ominous scene that followed the March 13, 2012, avalanche and the deaths of the helicopter ski guide Rob Liberman and his snowboarding client, Nickolay Dodov, were motivated by the message that appears on a blackened screen near the end of his film: “Is living the dream worth risking it all”

Another agreement problem; the overstuffed sentence may have thrown us off track. Make it “decision … was motivated.”

---

“I’ve had relatives who served in World War I, World War II,” said Pete Gullo, a descendent of Jacob Nicklis, whose body may have been one of those interred. …

Based on the genealogist’s findings, potential descendents were asked to contribute swabs of their saliva for DNA testing.

“Descendants,” not “descendents.” It was misspelled twice in this story, though spelled correctly in other places.

---

The change will restore the last stop on the No. 1 train, a critical link for Staten Island Ferry riders, and patch one of the few gaping service disruptions that has lingered since the late-October storm.

Recorded announcement: In this construction, the relative clause describes the “service disruptions.” So the relative pronoun “that” is plural and requires a plural verb, “have lingered.”

---

The outer crust gave way to a moist blonde interior, shot through with red and green maraschino cherries that glistened so brightly it seemed he could turn off the lights and read by them.

Use “blond” as an adjective; use “blonde” (rarely) only as a noun, referring to a woman or girl.

---

The calculations also depend crucially on the mass of the top quark, the heaviest known elementary particle, as well as the Higgs, neither of which have been weighed precisely enough yet to determine the fate of the universe.

Make it “neither … has been weighed.”

---

Wall Street expected no more than 165,000 additional jobs in February, and the surprise helped lift the Dow Jones industrial average to another new nominal record, its fourth for the week.

“New” is generally redundant with “record.” Also, somewhere the story should explain what we meant by “nominal” â€" in this case, it means without adjusting for inflation.

---

Cruz was a fluffy marshmallow of a dog, a prizewinning Samoyed who flew commercial, not in the cargo hold; scarcely touched the sidewalk; and competed at this month’s Westminster Kennel Club Dog Show.

The semicolons, while technically correct, make this otherwise playful lead seem clunky and choppy. We could have found a defter way to smooth out the series. Perhaps “… a fluffy marshmallow of a dog â€" a prizewinning Samoyed who flew commercial rather than cargo, scarcely touched the sidewalk, and competed at this month’s Westminster Kennel Club Dog Show.”

---

Prices for the 30 apartments in the new 51-story building are expected to fetch upward of $8,000 a square foot, which would be $48 million for a 6,000-square-foot apartment.

The apartments themselves, not the “prices,” will fetch $8,000 a square foot.

---

The main reason the Knicks do not shoot many free throws is because they had shot the second-most 3-pointers in the league, behind the Houston Rockets.

Recorded announcement: “The reason … is because” is redundant. Change “because” to “that,” or recast the sentence, which is clunky anyway.

---

Housing grades 6 through 12, he said, the school’s aim will be to catch lagging students early.

Another dangler. It is not the aim that houses grades 6 through 12.

---

At one point, the moderator of the forum, Brian Lehrer, asked whether there was anyone on stage besides Ms. Quinn who opposed paid sick leave now. No one raised their hand.

“No one” needs a singular verb or pronoun. Make it, “No one raised a hand.”

---

But beyond that, they are college students, a sui generis, and unless they are English majors, their game-day vocabulary rarely has room for words like “prudence” or “consequence.

“Sui generis,” meaning unique, should be used as an adjective, not a noun as here. When in doubt, consider English.

---

Either Darrelle Revis will play for the Jets in 2013, or he won’t. The simplicity of that statement obscures a complicated problem, one that will lord over the team until it is resolved, be it in six days, six weeks or six months.

“Lord it over” means “to act in an overbearing, dictatorial manner (toward)”; that does not seem to be what we meant here. Perhaps “loom over”

---

Tony Vaccaro’s photograph “White Death” shows the snow-covered body of a soldier, whom Mr. Vaccaro discovered was his best friend, Henry Tannenbaum.

Recorded announcement: Make it “who,” not “whom,” the subject of “was.”

---

The Federal Trade Commission said Thursday it had filed eight lawsuits in federal courts around the country against companies it accused of ordering or engineering the sending of hundreds of millions of scam text messages to mobile phone users.

Use “that” after “Thursday” to make clear that the time element goes with “said,” not “had filed.”



Subjunctivitis

The subjunctive mood is a bit more arcane than other entries on our list of favorite grammar gaffes, like subject-verb agreement. Still, it’s a sign of polish and precision to get this right. The subjunctive is most often used in contrary-to-fact conditions and for wishes and other hypothetical expressions.

We stumble both by failing to use the subjunctive when we should and by overcorrecting and using it when it isn’t called for. Here are two examples of each:

---

Right above that is another standard city street sign that reads “A New St,” as if “A New” is the block’s appellation.

This is a contrary-to-fact condition; the road’s name is not “A New Street.” So use the subjunctive “were” instead of the indicative “is” or “was”: “as if ‘A New’ were the block’s appellation.”

---

Instead, here’s what would actually happen if the president was understood to be taking the “mint the coin” option seriously.

Another contrary-to-fact condition; he’s not really taking this option seriously. So make it “if the president were …”

---

David Gale, the Simon & Schuster executive who bought the “Nate” books, said a sales agent at the company asked whether the kiss were needed and whether it would limit sales. But Mr. Gale noted that it was key to the book.

We were led astray, apparently, by “whether.” But this is not a contrary-to-fact condition, just an indirect quotation after the past-tense verb “asked,” so the subjunctive is not called for. Sequence-of-tense rules demand a regular past-tense verb: “a sales agent asked whether the kiss was needed.” (The original question was “Is the kiss needed” After the past-tense “asked,” “is needed” becomes “was needed.”)

---

But one final hurdle has been set by a Manhattan Surrogate Court judge. Noting that the will specified that the art should go to the colonel’s brother-in-law and two friends if the collection were not kept together, Judge Nora Anderson told the museum in December 2011 that it must search for these three men’s descendants before she would rule.

Again, no need for the subjunctive “were”; this is not a contrary-to-fact condition. The original provision was something like, “if the collection is not kept together”; to put the whole clause into the past, make it “if the collection was not kept together.” (This was later fixed.)

 
In a Word

This week’s grab bag of grammar, style and other missteps, compiled with help from colleagues and readers.

---

With the industry’s popularity has come concerns over safety, pollution and the impact of thousands of tourists.

The inverted structure may have thrown us off, but the subject of the sentence is the plural “concerns”; make it “have come concerns …”

---

At times, when dealing with Audubon, boundaries between bird and human dissolve.

A dangler; the boundaries are not “dealing with Audubon.” Rephrase.

---

[Correction] An article on Thursday about the prospects of a free-trade pact between the United States and the European Union misstated the potential benefit of such an accord to BMW’s revenue. It could add hundreds of millions of euros annually, not hundreds of billions.

Every mention of “millions” or “billions” in a story should draw extra scrutiny from writer and editor. This is wrong not by one letter, but by a factor of 1,000. A moment’s thought would make clear that we couldn’t possibly be talking about hundreds of billions of euros in added revenue for one company.

---

Ben Clark’s decision to begin “The Alaskan Way” with the ominous scene that followed the March 13, 2012, avalanche and the deaths of the helicopter ski guide Rob Liberman and his snowboarding client, Nickolay Dodov, were motivated by the message that appears on a blackened screen near the end of his film: “Is living the dream worth risking it all”

Another agreement problem; the overstuffed sentence may have thrown us off track. Make it “decision … was motivated.”

---

“I’ve had relatives who served in World War I, World War II,” said Pete Gullo, a descendent of Jacob Nicklis, whose body may have been one of those interred. …

Based on the genealogist’s findings, potential descendents were asked to contribute swabs of their saliva for DNA testing.

“Descendants,” not “descendents.” It was misspelled twice in this story, though spelled correctly in other places.

---

The change will restore the last stop on the No. 1 train, a critical link for Staten Island Ferry riders, and patch one of the few gaping service disruptions that has lingered since the late-October storm.

Recorded announcement: In this construction, the relative clause describes the “service disruptions.” So the relative pronoun “that” is plural and requires a plural verb, “have lingered.”

---

The outer crust gave way to a moist blonde interior, shot through with red and green maraschino cherries that glistened so brightly it seemed he could turn off the lights and read by them.

Use “blond” as an adjective; use “blonde” (rarely) only as a noun, referring to a woman or girl.

---

The calculations also depend crucially on the mass of the top quark, the heaviest known elementary particle, as well as the Higgs, neither of which have been weighed precisely enough yet to determine the fate of the universe.

Make it “neither … has been weighed.”

---

Wall Street expected no more than 165,000 additional jobs in February, and the surprise helped lift the Dow Jones industrial average to another new nominal record, its fourth for the week.

“New” is generally redundant with “record.” Also, somewhere the story should explain what we meant by “nominal” â€" in this case, it means without adjusting for inflation.

---

Cruz was a fluffy marshmallow of a dog, a prizewinning Samoyed who flew commercial, not in the cargo hold; scarcely touched the sidewalk; and competed at this month’s Westminster Kennel Club Dog Show.

The semicolons, while technically correct, make this otherwise playful lead seem clunky and choppy. We could have found a defter way to smooth out the series. Perhaps “… a fluffy marshmallow of a dog â€" a prizewinning Samoyed who flew commercial rather than cargo, scarcely touched the sidewalk, and competed at this month’s Westminster Kennel Club Dog Show.”

---

Prices for the 30 apartments in the new 51-story building are expected to fetch upward of $8,000 a square foot, which would be $48 million for a 6,000-square-foot apartment.

The apartments themselves, not the “prices,” will fetch $8,000 a square foot.

---

The main reason the Knicks do not shoot many free throws is because they had shot the second-most 3-pointers in the league, behind the Houston Rockets.

Recorded announcement: “The reason … is because” is redundant. Change “because” to “that,” or recast the sentence, which is clunky anyway.

---

Housing grades 6 through 12, he said, the school’s aim will be to catch lagging students early.

Another dangler. It is not the aim that houses grades 6 through 12.

---

At one point, the moderator of the forum, Brian Lehrer, asked whether there was anyone on stage besides Ms. Quinn who opposed paid sick leave now. No one raised their hand.

“No one” needs a singular verb or pronoun. Make it, “No one raised a hand.”

---

But beyond that, they are college students, a sui generis, and unless they are English majors, their game-day vocabulary rarely has room for words like “prudence” or “consequence.

“Sui generis,” meaning unique, should be used as an adjective, not a noun as here. When in doubt, consider English.

---

Either Darrelle Revis will play for the Jets in 2013, or he won’t. The simplicity of that statement obscures a complicated problem, one that will lord over the team until it is resolved, be it in six days, six weeks or six months.

“Lord it over” means “to act in an overbearing, dictatorial manner (toward)”; that does not seem to be what we meant here. Perhaps “loom over”

---

Tony Vaccaro’s photograph “White Death” shows the snow-covered body of a soldier, whom Mr. Vaccaro discovered was his best friend, Henry Tannenbaum.

Recorded announcement: Make it “who,” not “whom,” the subject of “was.”

---

The Federal Trade Commission said Thursday it had filed eight lawsuits in federal courts around the country against companies it accused of ordering or engineering the sending of hundreds of millions of scam text messages to mobile phone users.

Use “that” after “Thursday” to make clear that the time element goes with “said,” not “had filed.”



IHT Quick Read: March 19

NEWS President Nicos Anastasiades delayed a vote on a $13 billion deal that set off outrage for calling on Cypriot bank depositors to bear part of the cost, while stock markets faltered on concerns over the plan. Liz Alderman reports from Nicosia, Cyprus, and Landon Thomas Jr. from London.

Syria’s main exile opposition coalition elected a naturalized Syrian-born American citizen early Tuesday to be the first prime minister of an interim Syrian government, charged with funneling aid to rebels inside Syria and offering an alternative to the government of President Bashar al-Assad. Anne Barnard reports from Beirut.

For Pope Francis to change the Vatican, he must contend with power centers that revolve around money, real estate, the distribution of resources, and foreign policy, ideology and church doctrine. Rachel Donadio and Jim Yardley report from Vatican City.

Bosco Ntaganda, a Congolese rebel general accused of massacring civilians and building an army of child soldiers, who is considered one of Africa’s most wanted men, turned himself in to the American Embassy in Rwanda on Monday, saying he wanted to be sent to the International Criminal Court. Jeffrey Gettleman reports from Nairobi.

Diego Torres, a onetime marketing guru, built a $2 million dream home outside Barcelona, but it has become a luxury bunker since he challenged the Spanish royal family by revealing its private e-mails as part of his legal defense in a corruption investigation. Doreen Carvajal and Silvia Taulés report from Barcelona.

The Romanian former prime minister Adrian Nastase will be released early from prison after serving nine months of a two-year term for corruption, a Bucharest court ruled on Monday. Dan Bilefsky reports.

Airbus said Monday that it had received a record order for $24 billion worth of new single-aisle jets from the Indonesian low-cost airline Lion Air, marking a significant inroad for the European plane maker into one of the fastest-growing air travel markets in Asia that until now has been dominated by its American rival, Boeing. Nicola Clark reports from Paris.

FASHION A London exhibition on wool puts the focus on the scope of fleece’s possibilities. Suzy Menkes reviews from London.

ARTS David Bowie is brought to you live, sort of, at “David Bowie Is,” which opens at the Victoria & Albert Museum in London on Saturday. Suzy Menkes reviews from London.

SPORTS The Dominican Republic defeated the Netherlands, setting up a matchup with Puerto Rico in the World Baseball Classic final. Tyler Kepner reports from San Francisco.