Business

(Mark Lennihan, Associated Press)

Layaway returns as stores court strapped consumers
Retailers break out old-fashioned alternative to credit this holiday shopping season.


	Pletschet: Savers need to get out of low returns Munroe: Denmark tries being a Better Place e-books likely to be a big holiday hit Harney: New laws limit 11th-hour closing costs for mortgages Jobless rate highest since '83, and likely to rise Kaiser profits rise, but economy erodes membership Pletschet: Whether to worry over dollar's value

Biz Buzz


	Bay Biz Buzz: Clorox changing bleach formula

Real Estate


	FDIC seizes and closes United Commercial Bank Bay Biz Buzz: Foreclosure rates rise in several regions Real estate transactions ANG papers Housing Sale Statistics ANG papers

Technology


	Sony offers early 'Cloudy' viewing to buyers Software firms eye key patent case in Supreme Court Tech Ticker: Sun, AOL, AT&T EBay, investors settle suit with Skype founders

Gas Prices


	Chevron profit halved, but oil production surges Asian automakers top reliability list Bay Area gas prices fall, but crude up Californians are paying a record 60 cents more for gas than rest of nation

Financial Markets


	Investors look to consumer for clues to recovery Stocks post modest gains as job losses slow Stocks surge on jobs data, Cisco forecast Stocks give up gains in last hour, finish mixed

Latest AP


	BMW October sales up 2 pct; Audi up 0.4 pct Sonova to buy Advanced Bionics for $489M Deadline looms for Kraft to make Cadbury bid House health bill unacceptable to many in Senate

Personal Finance


	Singletary: Moving back home opens door to criticism Layaway returns as stores court strapped consumers Foreclosure prevention event Saturday at Oakland City Hall Butler: Alternative to 401(k) plans not in your interest

Columnists


	Pletschet: Whether to worry over dollar's value Pletschet: Savers need to get out of low returns Munroe: Denmark tries being a Better Place Singletary: Moving back home opens door to criticism Voros: What Uncle Sam gives, Arnold & Co. take away Butler: Alternative to 401(k) plans not in your interest

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