But if you live in any of these five dozen countries, it could happen to you, too.

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The opening track, "It Could Happen to You, " finds Krall stretching out pronouns and participles as if they merited special musical attention rather than making invention enhance expression, as instrumentalists like John Coltrane and Miles Davis did so eloquently.

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You swear it could never happen to you.

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So when I tell you that I was the victim of a fraud, you can see where I say that if it could happen to me, it could happen to anyone.

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"It sends a very scary message to all the chaebol owners that 'This could happen to you, '" says James Han, a financial analyst at Jardine Fleming Securities in Seoul.

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Allen Adamson: You started Shopkick with the understanding that both retailers and consumers could benefit from a specific initiative and then you created the technology to make it happen.

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But then he didn't have the advantage of living, like Ms Ephron, in Manhattan, where something was almost bound to happen to you if you simply stepped outside, and if it didn't happen you could pick up the phone and order it.

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