Sealed off from the clamor of India, where as many as 800 million people survive on less than $2 a day, American-born Payal Kela and her dog Cookie find security inside the gates of Palm Meadows, one of dozens of enclaves in Bangalore for returning Indian families--many from California. The red-tiled villas sell for upwards of $500,000 and help ease the cross-cultural problems that both children and parents experience by recreating part of what they left behind in America.