An article in the Christian Science Monitor analyzes the Mumbai attack as a template for possible future terrorist operations. The experts quoted in the article emphasize the skillful coordination, and what one calls a "tremendous amount of strategic thinking" on the part of the terrorists. They point out that no police force is prepared for that type of attack.
Despite the apparent sophistication of the Mumbai operation, I remain unconvinced that a great deal of skill, training, and coordination is necessary to pull off a major terrorist attack. Imagine ten terrorists with civilian weapons and homemade bombs. They split into three groups with their weapons concealed under heavy coats or whatever. Each group enters a crowded shopping mall during the Christmas season, and they all attack at a prearranged time. How many people would be killed, wounded, or trampled in the panic, before an effective police response took place? Give them grenades & selective fire military small arms and the number of casualties would be even greater.