SEARS-LAMPERTNEW YORK â¿¿ Shares of Sears Holdings fall a day after the retailer announced that chairman and hedge fund billionaire Edward Lampert will take over the role of CEO. The investor queasiness comes even as the operator of Sears and Kmart stores offered an update on holiday sales that showed some improvements at its Sears stores. Overall, the company still faces a long, uphill battle to turn itself around. By Retail Writer Anne D'Innocenzio. AP photo. SUPERSTORM-FUTURE ALBANY, N.Y. â¿¿ The full report by an expert panel examining Superstorm Sandy's effects in New York calls for quick, simple prevention measures for future storms including flood gates for tunnels, subways and airports as well as safe havens like old Civil Defense shelters. But it also calls for two more tunnels out of Manhattan, a rapid bus system and another Long Island Rail Road track. By Michael Gormley. MARKETS & ECONOMY: CONSUMER CREDIT WASHINGTON â¿¿ U.S. consumers borrowed more in November to buy cars and attend school, but stayed cautious with their credit cards. The Federal Reserve said Tuesday that consumers increased their borrowing in November by $16 billion from October to a seasonally adjusted record of $2.77 trillion. Borrowing that covers autos and student loans increased $15.2 billion. A category that measures credit card debt rose just $817 million. By Economics Writer Martin Crutsinger. METRO UNEMPLOYMENT WASHINGTON â¿¿ Unemployment rates fell below 7 percent in a majority of U.S. cities in November, suggesting steady job gains are benefiting most parts of the country. By Economics Writer Christopher S. Rugaber. â¿¿ With glances showing unemployment rates for all 372 metro areas, broken into each of the four geographic regions. Also will include a glance showing 10 highest and lowest metro-area unemployment rates. â¿¿ GLOBAL RISKS â¿¿ FRANKFURT, Germany â¿¿ The widening income gap between the rich and poor and burgeoning government deficits are the risks most likely to have a global impact over the next decade, according to experts surveyed by the World Economic Forum, followed by climate change, water shortages and aging populations.