It sells itself as a pensioner’s paradise in sunny Florida, but tension is high in The Villages, America’s largest retirement community, where friendships are being tested by a fractious presidential election campaign.
Here, supporters of President Donald Trump clash with those who back his Democratic rival, Joe Biden.
There are reports of cursing, cold shoulders and retirees making crude gestures as they scoot past one another in golf buggies decked out with campaign slogans.
Crucially, some Floridian retirees, many of them women, are dropping Mr Trump for his brash manner and handling of the Covid-19 outbreak, which has killed more than 228,000 in the US, threatening his chances in a must-win state in next week’s election.
"Democrats are definitely in the minority but we're here, and more than people would think," Andrea Coburn, 77, told The National, sitting on a shaded boardwalk beside the tree-lined Lake Sumter.
“I get in my golf cart, which has all the Biden slogans, and I get thumbs up. Not too many thumbs down any more. If I pass a Trump cart I avoid eye contact.”
Nationwide political divisions are driving a wedge through what calls itself “Florida’s Friendliest Hometown”, upending a lifestyle of long brunches, exercise classes and evening concerts of Boomer-generation rock classics.
“I don't ask how people are going to vote. I don't want to know,” Ms Coburn said.
Her friend, Nancy Margaret Wineman, 70, originally from New York, said many women who backed Mr Trump in 2016 were “switching” to a gentler Mr Biden because “they’re really turned off” by the president’s crass manner.
“He’s been terrible with the coronavirus crisis,” said Ms Wineman, wearing a blue Biden-Harris 2020 T-shirt.
“He has no plan. He lies to people. He says we’re rounding the corner on the virus but it won’t even be cured with the vaccine.”
Voters aged 65 and over backed Mr Trump by a 9 per cent margin in 2016 and, as one of America’s most dependable voting blocs, it helped him win the White House, a Pew Research Centre study showed.
Back then, Mr Trump won The Villages and other Florida exurbs by a wide margin over Democratic rival Hillary Clinton, helping him to take the state’s valuable 29 electoral college votes.
This year, polls indicate many older American voters are turning away from Mr Trump.
The “grey revolt” in The Villages and other retirement communities could cost him Florida, and his keys to the Oval Office.
An average of opinion polls compiled by Real Clear Politics on Thursday gave Mr Biden a slim, 1.4 percentage point lead over Mr Trump in Florida, with 48.3 per cent of those polled against the president's 46.9 per cent.
Coronavirus is among Mr Trump’s biggest problems here.
The Sunshine State has been slammed by the disease, recording 790,000 infections and 16,570 deaths. By far, most of the victims have been people aged 55 and older.
In The Villages, where the average age is 66, dreams of a golden American retirement have been shattered by the virus.
Mr Biden’s talk of empty chairs at breakfast tables resonates among the bereaved, the scared and the angry.
Across the US, Covid-19 has infected almost nine million people and caused millions of job losses.
Case numbers are climbing rapidly in the Midwest and Rocky Mountains regions this week, and millions of Americans have voted early to avoid crowded polling stations on November 3.
Mr Biden holds a comfortable lead in national polls, with voters increasingly dismayed by Mr Trump’s handling of the largest public health crisis in living memory.
But polls in Florida and other toss-up states are much tighter.
Mr Trump has continued to hold packed rallies at which few people wear protective masks.
Epidemiologists worry about those attending shouting and chanting while packed closely together, aiding the spread of the virus.
“Biden and the Democrat socialists will delay the vaccine, prolong the pandemic, shutter your schools and shut down our country,” Mr Trump said at a rally in Goodyear, Arizona, this week.
“And your state is open, right? Your state is nice and open.”
In response, Mr Biden slammed the Trump administration’s apparent disregard for safety and failure to develop a national strategy to contain the pandemic.
“The longer he’s in charge the more reckless he gets,” he said before casting his vote in Wilmington, Delaware.
Susan MacManus, a political analyst and former University of South Florida professor, said Mr Trump’s base of older supporters was softening in Florida and across the US, especially with women “who don't like his tone or are worried about his handling of Covid-19”.
Meanwhile, residents in the gated communities of The Villages have become less solidly Republican over recent years, with an influx of more liberal retirees from the north-east joining the more conservative Midwesterners, Ms MacManus said.
"It's often true in politics that after a few years of tumultuous activities, disaster or political brouhaha, people are just looking for someone who's a bit calmer," she told The National from her home in Tampa, Florida.
“Biden supporters in Florida are looking for a calming effect, someone to unite the country.”
But Ms Coburn and Ms Wineman did appear to be a minority in The Villages.
There were many more Trump lawn signs, T-shirts and buttons on display around Lake Sumter Landing Market Square on a humid afternoon this week.
Ernest Rinaldi, 77, a former mechanical engineer who was walking Gracie, a miniature schnauzer, said Mr Trump’s base among older voters remained strong.
The president’s handling of Covid-19 was “no worse than other countries around the globe", Mr Rinaldi said.
“But look at his accomplishments as a businessman and what he’s done for the country. I’m anxious about the liberal direction the Democrats would take us in.”
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Abaya trends
The utilitarian robe held dear by Arab women is undergoing a change that reveals it as an elegant and graceful garment available in a range of colours and fabrics, while retaining its traditional appeal.
The National Archives, Abu Dhabi
Founded over 50 years ago, the National Archives collects valuable historical material relating to the UAE, and is the oldest and richest archive relating to the Arabian Gulf.
Much of the material can be viewed on line at the Arabian Gulf Digital Archive - https://www.agda.ae/en
Getting there
Flydubai flies direct from Dubai to Tbilisi from Dh1,025 return including taxes
Match info
Liverpool 4
Salah (19'), Mane (45 2', 53'), Sturridge (87')
West Ham United 0
Mercer, the investment consulting arm of US services company Marsh & McLennan, expects its wealth division to at least double its assets under management (AUM) in the Middle East as wealth in the region continues to grow despite economic headwinds, a company official said.
Mercer Wealth, which globally has $160 billion in AUM, plans to boost its AUM in the region to $2-$3bn in the next 2-3 years from the present $1bn, said Yasir AbuShaban, a Dubai-based principal with Mercer Wealth.
“Within the next two to three years, we are looking at reaching $2 to $3 billion as a conservative estimate and we do see an opportunity to do so,” said Mr AbuShaban.
Mercer does not directly make investments, but allocates clients’ money they have discretion to, to professional asset managers. They also provide advice to clients.
“We have buying power. We can negotiate on their (client’s) behalf with asset managers to provide them lower fees than they otherwise would have to get on their own,” he added.
Mercer Wealth’s clients include sovereign wealth funds, family offices, and insurance companies among others.
From its office in Dubai, Mercer also looks after Africa, India and Turkey, where they also see opportunity for growth.
Wealth creation in Middle East and Africa (MEA) grew 8.5 per cent to $8.1 trillion last year from $7.5tn in 2015, higher than last year’s global average of 6 per cent and the second-highest growth in a region after Asia-Pacific which grew 9.9 per cent, according to consultancy Boston Consulting Group (BCG). In the region, where wealth grew just 1.9 per cent in 2015 compared with 2014, a pickup in oil prices has helped in wealth generation.
BCG is forecasting MEA wealth will rise to $12tn by 2021, growing at an annual average of 8 per cent.
Drivers of wealth generation in the region will be split evenly between new wealth creation and growth of performance of existing assets, according to BCG.
Another general trend in the region is clients’ looking for a comprehensive approach to investing, according to Mr AbuShaban.
“Institutional investors or some of the families are seeing a slowdown in the available capital they have to invest and in that sense they are looking at optimizing the way they manage their portfolios and making sure they are not investing haphazardly and different parts of their investment are working together,” said Mr AbuShaban.
Some clients also have a higher appetite for risk, given the low interest-rate environment that does not provide enough yield for some institutional investors. These clients are keen to invest in illiquid assets, such as private equity and infrastructure.
“What we have seen is a desire for higher returns in what has been a low-return environment specifically in various fixed income or bonds,” he said.
“In this environment, we have seen a de facto increase in the risk that clients are taking in things like illiquid investments, private equity investments, infrastructure and private debt, those kind of investments were higher illiquidity results in incrementally higher returns.”
The Abu Dhabi Investment Authority, one of the largest sovereign wealth funds, said in its 2016 report that has gradually increased its exposure in direct private equity and private credit transactions, mainly in Asian markets and especially in China and India. The authority’s private equity department focused on structured equities owing to “their defensive characteristics.”
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if you go
The flights
Emirates offer flights to Buenos Aires from Dubai, via Rio De Janeiro from around Dh6,300. emirates.com
Seeing the games
Tangol sell experiences across South America and generally have good access to tickets for most of the big teams in Buenos Aires: Boca Juniors, River Plate, and Independiente. Prices from Dh550 and include pick up and drop off from your hotel in the city. tangol.com
Staying there
Tangol will pick up tourists from any hotel in Buenos Aires, but after the intensity of the game, the Faena makes for tranquil, upmarket accommodation. Doubles from Dh1,110. faena.com
THE BIO
Family: I have three siblings, one older brother (age 25) and two younger sisters, 20 and 13
Favourite book: Asking for my favourite book has to be one of the hardest questions. However a current favourite would be Sidewalk by Mitchell Duneier
Favourite place to travel to: Any walkable city. I also love nature and wildlife
What do you love eating or cooking: I’m constantly in the kitchen. Ever since I changed the way I eat I enjoy choosing and creating what goes into my body. However, nothing can top home cooked food from my parents.
Favorite place to go in the UAE: A quiet beach.
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The five pillars of Islam
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Director: Laxman Utekar
Cast: Vicky Kaushal, Akshaye Khanna, Diana Penty, Vineet Kumar Singh, Rashmika Mandanna
Rating: 1/5