Athletes cash in on California's workers' comp

SACRAMENTO — In his seven-year career with the Denver Broncos, running back Terrell Davis, a former Super Bowl Most Valuable Player, dazzled fans with his speed and elusiveness.

At the end of his rookie year in 1995, he signed a $6.8-million, five-year contract. Off the field he endorsed Campbell's soup. And when he hung up his cleats, he reported for the National Football League Network and appeared in movies and TV shows.

So it may surprise Californians to find out that in 2011, Davis got a $199,000 injury settlement from a California workers' compensation court for injuries related to football. This came despite the fact Davis was employed by a Colorado team and played just nine times in California during an 88-game career, according to the NFL.

Davis was compensated for the lifelong effects of multiple injuries to the head, arms, trunk, legs and general body, according to California workers' compensation records.

He is not alone.

Over the last three decades, California's workers' compensation system has awarded millions of dollars in benefits for job-related injuries to thousands of professional athletes. The vast majority worked for out-of-state teams; some played as little as one game in the Golden State.

All states allow professional athletes to claim workers' compensation payments for specific job-related injuries — such as a busted knee, torn tendon or ruptured spinal disc — that happened within their borders. But California is one of the few that provides additional payments for the cumulative effect of injuries that occur over years of playing.

A growing roster of athletes are using this provision in California law to claim benefits. Since the early 1980s, an estimated $747 million has been paid out to about 4,500 players, according to an August study commissioned by major professional sports leagues. California taxpayers are not on the hook for these payments. Workers' compensation is an employer-funded program.

Now a major battle is brewing in Sacramento to make out-of-state players ineligible for these benefits, which are paid by the leagues and their insurers. They have hired consultants and lobbyists and expect to unveil legislation next week that would halt the practice.

"The system is completely out of whack right now," said Jeff Gewirtz, vice president of the Brooklyn Nets — formerly the New Jersey Nets — of the National Basketball Assn.

Major retired stars who scored six-figure California workers' compensation benefits include Moses Malone, a three-time NBA most valuable player with the Houston Rockets, Philadelphia 76ers and other teams. He was awarded $155,000. Pro Football Hall of Fame wide receiver Michael Irvin, formerly with the Dallas Cowboys, received $249,000. The benefits usually are calculated as lump-sum payments but sometimes are accompanied by open-ended agreements to provide lifetime medical services.

Players, their lawyers and their unions plan to mount a political offensive to protect these payouts.

Although the monster salaries of players such as Los Angeles Lakers guard Kobe Bryant and Denver Broncos quarterback Peyton Manning make headlines, few players bring in that kind of money. Most have very short careers. And some, particularly football players, end up with costly, debilitating injuries that haunt them for a lifetime but aren't sufficiently covered by league disability benefits.

Retired pros increasingly are turning to California, not only because of its cumulative benefits but also because there's a longer window to file a claim. The statute of limitations in some states expires in as little as a year or two.

"California is a last resort for a lot of these guys because they've already been cut off in the other states," said Mel Owens, a former Los Angeles Rams linebacker-turned-workers' compensation lawyer who has represented a number of ex-players.

To understand how it works, consider the career of Ernie Conwell. A former tight end for the St. Louis Rams and New Orleans Saints, he was paid $1.6 million for his last season in 2006.

Conwell said that during his 11-year career, he underwent about 18 surgeries, including 11 knee operations. Now 40, he works for the NFL players union and lives in Nashville.

Hobbled by injuries, he filed for workers' compensation in Louisiana and got $181,000 in benefits to cover his last, career-ending knee surgery in 2006, according to the Saints. The team said it also provided $195,000 in injury-related benefits as part of a collective-bargaining agreement with the players union.

But such workers' compensation benefits paid by Louisiana cover only specific injuries. So, to deal with what he expects to be the costs of ongoing health problems that he said affect his arms, legs, muscles, bones and head, Conwell filed for compensation in California and won.

Even though he played only about 20 times in the state over his professional career, he received a $160,000 award from a California workers' compensation judge plus future medical benefits, according to his lawyer. The Saints are appealing the judgment.

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That Syncing Feeling

“Smart, or stylish?” That’s the question facing casual watch aficionados looking for a new, high-tech addition to their collection.

On one hand (er, wrist), you’ve got the Pebble and other smartwatch upstarts, which come with built-in smartphone connectivity, customizable screens, and burgeoning developer communities eager to feed their app ecosystems. They also, by and large, look like uninspired pieces of mass-produced Chinese plastic, and that’s because they are.

On the “stylish” end of the spectrum is … not much. Except this: Citizen’s Eco-Drive Proximity.

The Citizen learns the current time from your phone, and the watch’s hands spin around to the correct positions.

By all outward appearances, the Proximity looks like any another chronograph in a sea of handsome mechanical watches. It has all the features you’d expect, including a 24-hour dial, day and date, perpetual calendar and second time zone. But housed within its slightly oversized 46mm case is a Bluetooth 4.0 radio, so it’s capable of passing data over the new low-energy connectivity standard appearing in newer smartphones, including the iPhone 5 and 4S. And for now, the Promixity is only compatible with those Apple devices.

Initial pairing is relatively easy. After downloading Citizen’s notably low-rent iOS app, you can link the watch to your phone with a few turns and clicks on the crown.

The gee-whiz feature is the automatic time sync that takes place whenever you land in a different time zone. Once connected, the Citizen learns the current time from your phone, and the watch’s hands spin around to the correct positions — a welcome bit of easy magic, considering the initial setup is a tedious finger dance.

The watch can also notify you of incoming communications. Once you’ve configured the mail client (it only supports IMAP accounts), you’ll get notified whenever you get a new e-mail — there’s a slight vibration and the second hand sweeps over to the “mail” tab at the 10-o’clock position. If a phone call comes in, the second hand moves to the 11-o’clock marker. If the Bluetooth connection gets lost because the watch or phone is outside the 30-foot range, you get another vibration and the second hand moves to the “LL” indicator. And really, that’s the extent of the functionality around notifications.

But notable in its absence is the notification I’d like the most: text message alerts. And it’s not something Citizen will soon be rectifying because the dials and hardware aren’t upgradable.

I also experienced frequent connection losses, particularly when attending a press conference with scads of Mi-Fis and tethered smartphones around me. This caused dozens of jarring vibrations both on my wrist and in my pocket, followed by a raft of push notifications on my phone informing me of the issue. Reconnecting is easy (and generally happens automatically), but the lack of stability in certain environments matched with the limited capabilities of the notifications had me forgetting to reconnect and not even worrying about it later on.

But actually, I’m OK with that. I still like the fact that it never needs charging. Even though there aren’t any solar cells visible on the dial, the watch does have them. They’re hidden away beneath the dial, and yet they still work perfectly. And even when its flagship connectivity features aren’t behaving, it’s still a damn handsome watch. It feels solid, and it looks good at the office, out to dinner, or on the weekend — something very few other “smart” watches on the market can claim.

However, those things can be said of almost all of Citizen’s EcoDrive watches. The big distinguishing feature here is the Bluetooth syncing and notifications, and they just don’t work that well.

WIRED A smart watch you won’t be embarrassed to wear. Charges using light. Combines classic styling with cutting-edge connectivity. Subtle notifications keep you informed without dominating your attention.

TIRED Loses Bluetooth connection with disturbing frequency. Limited notification abilities. No text message alerts. Janky iPhone app.

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Michael Imperioli to play tormented sensei on ‘The Office’

NEW YORK (TheWrap.com) – “Sopranos” veteran Michael Imperioli will join “The Office” for one of its final episodes, playing Dwight Schrute‘s tormented sensei.

Imperioli‘s Sensei Billy will find his patience tested by his exasperating student, who has apparently maintained a love of karate first demonstrated in the second season of the show.

He will go to unusual means to make Dwight (Rainn Wilson) go away.

“The Office” is quickly pairing off characters into romances and resolving plotlines as it approaches its finale after nine seasons.

Imperioli will appear in one episode of the series, but it won’t be the finale, NBC said.

The actor’s other recent roles included one on ABC’s “Detroit 187.”

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Drone Pilots Found to Get Stress Disorders Much as Those in Combat Do

U.S. Air Force/Master Sgt. Steve Horton

Capt. Richard Koll, left, and Airman First Class Mike Eulo monitored a drone aircraft after launching it in Iraq.

The study affirms a growing body of research finding health hazards even for those piloting machines from bases far from actual combat zones.

“Though it might be thousands of miles from the battlefield, this work still involves tough stressors and has tough consequences for those crews,” said Peter W. Singer, a scholar at the Brookings Institution who has written extensively about drones. He was not involved in the new research.

That study, by the Armed Forces Health Surveillance Center, which analyzes health trends among military personnel, did not try to explain the sources of mental health problems among drone pilots.

But Air Force officials and independent experts have suggested several potential causes, among them witnessing combat violence on live video feeds, working in isolation or under inflexible shift hours, juggling the simultaneous demands of home life with combat operations and dealing with intense stress because of crew shortages.

“Remotely piloted aircraft pilots may stare at the same piece of ground for days,” said Jean Lin Otto, an epidemiologist who was a co-author of the study. “They witness the carnage. Manned aircraft pilots don’t do that. They get out of there as soon as possible.”

Dr. Otto said she had begun the study expecting that drone pilots would actually have a higher rate of mental health problems because of the unique pressures of their job.

Since 2008, the number of pilots of remotely piloted aircraft — the Air Force’s preferred term for drones — has grown fourfold, to nearly 1,300. The Air Force is now training more pilots for its drones than for its fighter jets and bombers combined. And by 2015, it expects to have more drone pilots than bomber pilots, although fighter pilots will remain a larger group.

Those figures do not include drones operated by the C.I.A. in counterterrorism operations over Pakistan, Yemen and other countries.

The Pentagon has begun taking steps to keep pace with the rapid expansion of drone operations. It recently created a new medal to honor troops involved in both drone warfare and cyberwarfare. And the Air Force has expanded access to chaplains and therapists for drone operators, said Col. William M. Tart, who commanded remotely piloted aircraft crews at Creech Air Force Base in Nevada.

The Air Force has also conducted research into the health issues of drone crew members. In a 2011 survey of nearly 840 drone operators, it found that 46 percent of Reaper and Predator pilots, and 48 percent of Global Hawk sensor operators, reported “high operational stress.” Those crews cited long hours and frequent shift changes as major causes.

That study found the stress among drone operators to be much higher than that reported by Air Force members in logistics or support jobs. But it did not compare the stress levels of the drone operators with those of traditional pilots.

The new study looked at the electronic health records of 709 drone pilots and 5,256 manned aircraft pilots between October 2003 and December 2011. Those records included information about clinical diagnoses by medical professionals and not just self-reported symptoms.

After analyzing diagnosis and treatment records, the researchers initially found that the drone pilots had higher incidence rates for 12 conditions, including anxiety disorder, depressive disorder, post-traumatic stress disorder, substance abuse and suicidal ideation.

But after the data were adjusted for age, number of deployments, time in service and history of previous mental health problems, the rates were similar, said Dr. Otto, who was scheduled to present her findings in Arizona on Saturday at a conference of the American College of Preventive Medicine.

The study also found that the incidence rates of mental heath problems among drone pilots spiked in 2009. Dr. Otto speculated that the increase might have been the result of intense pressure on pilots during the Iraq surge in the preceding years.

The study found that pilots of both manned and unmanned aircraft had lower rates of mental health problems than other Air Force personnel. But Dr. Otto conceded that her study might underestimate problems among both manned and unmanned aircraft pilots, who may feel pressure not to report mental health symptoms to doctors out of fears that they will be grounded.

She said she planned to conduct two follow-up studies: one that tries to compensate for possible underreporting of mental health problems by pilots and another that analyzes mental health issues among sensor operators, who control drone cameras while sitting next to the pilots.

“The increasing use of remotely piloted aircraft for war fighting as well as humanitarian relief should prompt increased surveillance,” she said.

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Fundamentally: Investors Rediscover Risk-Taking Abroad

RISK-TAKING may be staging a comeback overseas.

While equities around the world soared last year, the stock market rebound abroad was decidedly different from the one that sent the Standard & Poor’s 500-stock index up 16 percent in 2012.

In the United States, the most economically sensitive stocks, like shares of banks and other financial businesses, posted the biggest gains as investors grew confident that an economic recovery was at hand. Overseas, by contrast, it was the defensive-oriented shares like health care and consumer staples stocks that performed the best for most of the year.

What’s more, investors favored stocks in the developed world over riskier but faster-growing emerging markets equities.

This is not all that surprising. “The economic situation abroad in the last 12 to 18 months has either been worse or has slowed more dramatically than in the U.S., creating an even bigger ‘risk off’ mind-set in those markets,” said James W. Paulsen, chief investment strategist at Wells Capital Management.

Yet Mr. Paulsen believes that investors’ appetite for risk-taking overseas is likely to improve. In fact, that process may have already begun.

Among the early signs are that economically cyclical sectors, like financial stocks in the MSCI EAFE index of foreign equities, have been outperforming defensive areas like health care and consumer staples since December.

Part of this can be attributed to the growing clarity about the state of the global economy, money managers say. It is not so much that the economy is booming, but that some of the greatest potential dangers seem to have receded.

Most prominently, concerns about a euro zone breakup have abated since Mario Draghi, president of the European Central Bank, declared that the bank would do “whatever it takes” to save the euro. Ever since that announcement, in late July, European equities have been in rally mode.

“In the international markets, you saw the removal of major tail risks last year, particularly in Europe,” said Jason A. White, a portfolio specialist at T. Rowe Price.

Meanwhile, fears over China’s slowdown seemed to subside at the end of last year on signs that the world’s second largest economy was finally beginning to re-accelerate. In November, government data showed that industrial output and retail sales in China grew much faster than expected, bolstering the bullish case for Chinese and emerging-market stocks. Since then, the Shanghai Stock Exchange Composite Index has soared nearly 20 percent.

The improving global economy, though, isn’t the only reason risk-taking may be re-emerging.

Money managers note that fear over Europe’s debt crisis has been driving investors into defensive-oriented stocks overseas for several years. This is particularly true for shares of consumer companies that manufacture staples like food and household products that continue to be in demand regardless of the health of the economy.

“In an environment where returns for the equity markets were quite poor, you saw very decent returns in those staples,” said Harry Hartford, president of Causeway Capital Management. As a result, though, “consumer staples outside the U.S. looks pretty fully priced,” he said.

Take Diageo. Shares of the British spirits maker, which has sales in about 180 countries, have climbed more than 26 percent a year for the last three years. That means Diageo shares now trade at a price/earnings ratio of more than 18, based on forecast profits. By comparison, the average P/E for MSCI EAFE stocks is less than 14.

Unilever, the packaged food and household goods company, is another example. In 2008, amid the global financial crisis, the stock was trading at around 11 times earnings. Today, Unilever’s P/E ratio stands at 17 times earnings.

“A lot of the defensive industries had big runs, so valuations got extended,” said W. George Greig, head of international investing for the asset manager William Blair & Company. As a consequence, he said, “some investors are starting to say that the defensive stocks aren’t as defensive as they thought.”

NOT all money managers are convinced that the worst of the economic storm is behind us. “We know that after a financial crisis, it takes a long time to recover,” said Simon Hallett, chief investment officer for the asset manager Harding Loevner. “We think a conservative approach is still appropriate — there are still an awful lot of things that can go wrong.”

Mr. Greig said investors were not seeking economically sensitive stocks out of a newfound sense of euphoria. “This is not a venturesome ‘risk on’ mind-set,” he said. Rather, investors are reluctantly seeking out cyclically oriented stocks because their valuations are so low that they now look compelling, and there may be better values in areas that had been considered riskier.

Paul J. Lim is a senior editor at Money magazine. E-mail: fund@nytimes.com.

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Gunfire and deadly crash rattle the Las Vegas Strip

LAS VEGAS — A spectacular predawn crash on the Strip — triggered when bullets fired from a black Range Rover peppered a Maserati — hit this resort city right between the eyes. In the end, three people were dead and a major intersection under lockdown during a three-state manhunt for the shooters, leaving even casino veterans used to the extraordinary scratching their heads.

The mayhem was sparked, witnesses told police, by a quarrel early Thursday at a hotel valet stand.

The two vehicles left the Aria resort hotel and were heading north on Las Vegas Boulevard at 4:20 a.m., an hour when the casino marquees shine brightly but the gambling thoroughfare is largely empty. At Harmon Avenue, occupants inside the Range Rover opened fire on the Maserati, police said.

The silver-gray sports car, which was struck several times, sped into the intersection at Flamingo Road, ramming a Yellow cab. The taxi exploded, killing the driver and a passenger. Four other vehicles in the intersection were also involved in the crash and explosion, but officers offered no details.

"Omg Omg Omg that car just blew up!" one witness tweeted shortly after the crash, posting a photo of the wreckage. "God Bless their Souls! Omg!"

The driver of the Maserati died later at a hospital, police said. A passenger in the vehicle received minor injuries and was being interviewed by investigators. At least three others were also injured.

Police in Nevada, California, Arizona and Utah were on alert for the distinctive black Range Rover SUV, described as having dark-tinted windows, black rims and out-of-state paper dealer plates.

"We are going to pursue these individuals and prosecute them," Clark County Sheriff Doug Gillespie said at an afternoon news conference. "This act was totally unacceptable. It's not just tragic but unnecessary — the level of violence we see here in Las Vegas and across America."

Authorities had not publicly identified the dead. But a Las Vegas television station late Thursday identified the taxi driver as Michael Boldon, 62, who the station said had recently moved here from Michigan to care for his 93-year-old mother.

The victim's son, who drives a limousine, told Fox News 5 that he last talked with his father after 3 a.m., and later called his cellphone shortly after the crash to warn him to avoid the Strip. But there was no answer.

The station also identified the driver of the Maserati as Ken Cherry, a rap artist from Oakland who also is known as "Kenny Clutch." The station quoted family members identifying Cherry as the driver. An Internet video of a Cherry song called "Stay Schemin" shows two men in a vehicle on the Strip.

Police had more questions than answers.

"It began with a dispute at a nearby hotel and spilled onto the streets," said Capt. Chris Jones of the Las Vegas Police Robbery and Homicide Division.

The morning's events threw the Strip into disarray all day. The gambling boulevard's busiest and best-known intersection was cordoned off by yellow police tape until nightfall, keeping traffic and curious pedestrians away from the carnage. Even skywalks were blocked off.

While slot machines beeped and card games continued inside casinos around the accident scene — including the Bellagio, Caesars Palace and Paris Las Vegas — hotel bell captains were fielding questions from tourists who had awakened to news of the crash and the Strip shutdown. The alleys and side streets between nearby hotels were clogged with pedestrians who inched along on narrow sidewalks, past delivery doors, many making their own paths between the landscaped bushes and palm trees.

Even casino industry workers were thrown into turmoil. Hotel maids and dealers who finished their midnight shifts after dawn were left without bus service home. "I'm stranded," said Tiruselam Kefyalew, 25, a maid. "What a day to leave my cellphone at home."

Limousine drivers who normally prowl the city's gambling core improvised detours. Some said the police blockade would cost them $500 or more in lost business and tips.

"Most people understand, but you have your complainers," said Jim DeSanto, a limo driver who waited for fares outside Bally's casino. "Those people will complain, even when everything is perfect."

Well after noon, guests peered out nearby hotel windows and others leaned into the street to glimpse the crime scene.

"Hey, honey, it must have happened right here," one man told his wife as they left Caesars around noon. The tourist, who would only say that he had arrived from Tampa, Fla., the previous evening, had looked out his hotel window at 4:30 to see a vehicle in flames.

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Legalized Online Gambling Coming to a Computer Near You

That old adage of “What Happens in Vegas Stays in Vegas” might not apply to the digital age after Nevada’s governor signed legislation legalizing online poker betting.

Instead of traveling to Sin City to throw away your hard-earned cash inside smoke-filled casinos (free drinks, though), you can legally waste it away online from the comfort of your bedroom. The legislation essentially means you can lose your pants without even wearing any. And over is the nightmare scenario of driving to Lost Wages in your $20,000 car and returning on a $500,000 Greyhound bus.

States across the union are mulling gaming legislation to bolster their coffers following a President Barack Obama administration opinion (.pdf) that generally authorized online gambling. New Jersey is expected to approve online gaming perhaps as early as next week and become the second state to do so.

“This is an historic day for the great state of Nevada,” Brian Sandoval, Nevada’s governor, said Thursday. “Today I sign into law the framework that will usher in the next frontier of gaming in Nevada.”

The states had been bearish on online gambling until two days before Christmas in 2011, when the Justice Department’s Office of Legal Counsel said the 1961 Wire Act did not prevent states from selling lottery tickets to adults over the internet. That decision has been interpreted to allow online gaming, except for internet sports wagering.

“Now that the Department charged with enforcing the law has limited that statute to cross-border sports bets, there is literally no federal law standing in the way of a state authorizing intra-state online games, and even entering into compacts with other states and nations to pool players,” according to I. Nelson Rose, a Whittier Law School professor and one the country’s most noted gambling scholars.

The administration opinion also trumped the Unlawful Internet Gambling Enforcement Act of 2006 (.pdf) because it ”prohibits gambling businesses from knowingly accepting payments in connection with the participation of another person in a bet or wager that involves the use of the internet and that is unlawful under any federal or state law.”

Nevada’s measure, AB114, (.pdf) grants the state the power to license online gaming venues and to enter into deals with other states to allow internet poker.

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Question Mark: Acne Common in Baby Boomers Too

Pimples are no surprise on babies and teenagers, but boomers?

You no longer have to gaze over a school lunchroom, hoping to find a seat at a socially acceptable table. You don’t rush to get home at night before your junior license driving restrictions kick in. And you men no longer have to worry that your voice will skip an octave without warning.

But if adolescence is over, what is that horrid protuberance staring at you in the mirror from the middle of your forehead? Some speak of papules, pustules and nodules, but we will use the technical term: zit. That thing on your forehead now is the same thing that was there back in high school, or at least a close relative. Same as it ever was (cue “Once in a Lifetime”).

We get more than the occasional complaint here from baby boomers who want to know about this aging body part or that. So you would think people would be happy with any emblem of youth — even if it is sore and angry-looking and threatening to erupt at any second. But oddly, there are those who are not happy to see pimples again, and some have asked for an explanation.

Acne occurs when the follicles that connect the pores of the skin to oil glands become clogged with a mixture of hair, oils and skin cells, and bacteria in the plug causes swelling, experts say. A pimple grows as the plug breaks down.

According to the American Academy of Dermatology, a growing number of women in their 30s, 40s, 50s and even beyond are seeking treatment for acne. Middle-age men are also susceptible to breakouts, but less so, experts say.

In some cases, people suffer from acne that began in their teenage years and never really went away. Others had problems when they were younger and then enjoyed decades of mostly clear skin. Still others never had much of the way of pimples until they were older.

Whichever the case, the explanation for adult acne is likely to be the same as it is for acne found in teenagers and, for that matter, newborns: hormonal changes. “We know that all acne is hormonally driven and hormonally sensitive,” said Dr. Bethanee J. Schlosser, an assistant professor of dermatology at Northwestern.

Among baby boomers, the approach of menopause may result in a drop in estrogen, a hormone that can help keep pimples from forming, and increased levels of androgens, the male hormone. Women who stop taking birth control pills may also see a drop in their estrogen levels.

Debate remains over what role diet plays in acne. Some experts say that foods once thought to cause pimples, like chocolate, are probably not a problem. Still, while sugar itself is no longer believed to contribute to acne, some doctors think that foods with a high glycemic index – meaning they quickly elevate glucose in the body — might. White bread and sweetened cereals are examples. And for all ages, stress has also been found to play a role.

One message to acne sufferers has not changed over the years. Your mother was right: don’t pop it! It can cause scarring.

Questions about aging? E-mail boomerwhy@nytimes.com

Booming: Living Through the Middle Ages offers news and commentary about baby boomers, anchored by Michael Winerip. You can follow Booming via RSS here or visit nytimes.com/booming. You can reach us by e-mail at booming@nytimes.com.

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Shortcuts: Why It’s Not Always Good to Forgive

IT seems, these days, that we can barely keep pace with the tales of the famous and near famous who climb to great heights, plummet to great depths and then try to work their way back into the public’s affection.

Robyn Beck/Agence France-Presse — Getty Images

A man in Los Angeles watched Lance Armstrong acknowledge his use of performance-enhancing drugs.

Since the beginning of this year alone, we’ve had Lance Armstrong’s sort-of apology interview with Oprah Winfrey acknowledging his use of a variety of performance-enhancing drugs, the efforts by the fashion designer John Galliano to put an anti-Semitic tirade behind him and the seemingly ill-fated, public (and lucrative) mea culpa by the best-selling author Jonah Lehrer for plagiarism and fabrication.

Even as I was writing this column, news broke about another fallen celebrity: Oscar Pistorius, the South African double-amputee Olympic runner, was charged with murder in the shooting death of his girlfriend.

These never-ending stories may not affect our lives — except, perhaps, to make us more cynical when the mighty fall. But they do raise questions about forgiveness and atonement that are important outside the world of the celebrity.

“Stories of trust violations abound in the media and business press,” Kurt T. Dirks, a professor of managerial leadership at Washington University in St. Louis, and colleagues wrote in a recent journal article. “However, these high-profile incidents are vastly outnumbered by the many trust violations that occur in the offices and hallways and other arenas of virtually all work organizations.”

And with our friends, partners, children, parents and, of course, the companies we do business with.

I’ve written quite a bit about the need for our society to be more open to mistakes and failure. But what happens after that? Is forgiveness automatic? And how difficult is it — or should it be — to get redemption after a serious misstep?

First, what is forgiveness? Jeffrie Murphy, a professor of law, philosophy and religious studies at Arizona State University, who has written about the issue for years, says it is “a change of heart toward someone — overcoming the feelings of anger and resentment that typically come from being wronged by another.”

But it is important to differentiate between forgiveness and trusting someone again, Professor Dirks said. So you may be willing to forgive a business that messed up a deal but nevertheless decide not to work with that business again. Or forgive an abusive partner, but never be in a relationship with that person again. Or even forgive those who committed a crime against you, but still believe they should be punished.

“The question is how much you’ve been personally harmed and what’s at stake for you in the future,” he said. “It depends, also, if we have something to gain by interacting” with the person or business again.

Of course, it is often easier to avoid interacting with a person who has harmed you than a business, because often no good alternatives are available.

But we can feel that we have some control by refusing to buy from a company that has sold us a lemon or provided terrible service. And, on occasion, enough consumers have pulled together to force a company to back down, as they did in 2011, when Bank of America bowed to customer pressure and dropped plans to impose a $5 monthly fee on debit cards.

Research has also shown that we seem to be more willing to forgive — and trust again — those who make errors of competence rather than of character, Professor Dirks said.

“We believe issues of competence are changeable over time, but not issues of character or integrity,” he said. “And the truth is that probably you can change certain skills, but the underlying value system is probably harder to change.”

It has become somewhat common wisdom to believe that forgiving a person who did you wrong is not just the right thing to do, but will make you emotionally, and even physically, healthier in the long run by alleviating the anger and stress you feel.

But Professor Murphy warned against assuming that forgiveness was always the right answer and that someone who failed to offer forgiveness was “not a good person or a mentally healthy person.”

E-mail: shortcuts@nytimes.com

This article has been revised to reflect the following correction:

Correction: February 22, 2013

An earlier version of this article misspelled the given name of a professor at Arizona State University. He is Jeffrie Murphy, not Jefffrie.

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Bulgari shows off Liz Taylor's gems

It isn't easy sometimes to be an ordinary person in Los Angeles, so near to and yet so far from the city's glamorous events.

You hear about the grand Oscar parties, but you will never be invited. The award ceremony may be taking place minutes from where you live, but you watch it at home, on TV, in your sweat pants — and you might as well be in Dubuque.

Rodeo Drive too can make you feel like a scrap on the cutting room floor. As you stroll the wide and immaculate sidewalks of Beverly Hills' iconic shopping street, you pass by boutiques you'd feel self-conscious walking into. In the windows are baubles and trinkets you could never in three lifetimes afford.

Which is why it is rather nice to be invited to make a private appointment at the house of Bulgari, the fine Italian jeweler that opened its doors in 1884.

Elizabeth Taylor loved Bulgari jewels. Richard Burton, whose torrid affair with her began during the filming of "Cleopatra" in Rome, accompanied her often to the flagship shop on the Via Condotti. He liked to joke that the name Bulgari was all the Italian she knew.

So it is fitting that starting Oscar week, the jeweler is celebrating the Oscar-winning star with an exhibit of eight of her most treasured Bulgari pieces.

They are heavy on diamonds and emeralds — of rare size, gleam and value.

And Bulgari knows their value well.

After Taylor's death, it reacquired some of the gems at a Christie's auction. One piece, an emerald-and-diamond brooch that also can be worn as a pendant, sold for $6,578,500 — breaking records both for sales price of an emerald and for emerald price per carat ($280,000).

That brooch, whose centerpiece is an octagonal step-cut emerald weighing 23.44 carats, was Burton's engagement present to Taylor. He followed it upon their marriage (his second, her fifth) with a matching necklace whose 16 Colombian emeralds weigh in at 60.5 carats. Bulgari bought the necklace back too, for $6,130,500.

They are in the exhibit, along with Burton's engagement ring to Taylor and a delicate brooch — given to her by husband No. 4, Eddie Fisher — whose emerald and diamond flowers were set en tremblant so that they gently fluttered as Taylor moved.

The jewels are not for sale.

On Tuesday night, actress Julianne Moore wore the Burton necklace, with pendant attached, at a gala for Bulgari's top clients. At the dinner hour, guests were escorted along a lavender-colored carpet to a nearby rooftop that had been transformed into a Roman terrace.

Those honored guests, of course, got private viewings of Taylor's jewels.

But so did Amanda Perry, a healer from West Hollywood who arrived the next morning for one of the first appointments available to the public.

Someone had emailed news of the collection to the 35-year-old Taylor fan. She walked in off the street Tuesday, when the exhibit was open only to press — and Sabina Pelli, Bulgari's glamorous executive vice president, fresh from Rome, was taking sips of San Pellegrino brought to her on a silver tray between back-to-back interviews that started at 5 a.m.

The camera crews were long gone when Perry came back Wednesday. She had the exhibit, and handsome sales associate Timothy Morzenti of Milan, entirely to herself.

In a black suit, still wearing on his left hand the black glove he dons to handle fine jewels, Morzenti whisked Perry off via a private elevator to the exhibit on the second floor. The jewels stood in vitrines mounted high off the ground. Behind them were photos and a slide show of Taylor, bejeweled.

"Which piece would you like to see first?" Morzenti asked her as a security guard stood by. "I personally love the emerald ring."

Then he proceeded at leisure to explain Bulgari-signature sugar-loaf cuts and trombino ring settings, while tossing in occasional Taylor stories.

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