New mortgage? Refinancing? Jewish Community Relations Advisory Council, said Jews in the ex-USSR "are not like- ly to achieve an enduring Jewish institutional life. Be- lieving that they can produce a mirror of the American Jewish community is a dan- gerous delusion, especially if it were to discourage aliyah which ... is their best option." Rachel Cowan, director of the Nathan Cummings Foundation's Jewish Life program, called this argu- ment "nonsensical. It as- sumes that Russians have no ability to influence their own lives." Civil Rights vs. Terror • ' Hamas, Jihad and other ter- rorist groups — and how a free society deals with them — have received much press attention since the World Trade Center Bombing. Among these ruminations: • In the Wall Street Jour- nal, free-lancer Steven Emer- son maintains that terrorists' decisions to use the U.S. as "a pit-stop or haven" means this country "is taking on a role once held solely by Eu- rope..." While "freedom of speech and religion are basic tents for the U.S.," he writes, "there are some steps we can take here." He argues that Americans "get serious about enforcing civil laws allow denial of en- try to the U.S. or expulsion of noncitizens who have giv- en 'material support' or funds to any terrorist organiza- tion." • In an editorial, the For- ward claimed, "Once a gov- ernment starts fighting back [against terrorism], it gets lectured on civil rights and the roots of terror." Noting sustained terror against Israel, Turkey, France, Britain, Egypt, and Peru, the Forward mused, "It is almost unimaginable what it would be like in America were our country brought un- der attack on a similar scale. Would we and our code of civ- il liberties bear up as well as some of our friends and allies over the years?" • In a column in U.S. News & World Report, the magazine's editor-in-chief, Mortimer Zuckerman warns that "not only Israel, but the whole West faces the menace of random violence and the crimes that fanaticism can produce... We are in for a long struggle not amenable to reasoned dialogue. 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