The Secured Transactions Article of the Commercial Code

Antalet personer som skadas bland golvläggare är ca 1.5 % per år och de skador som uppkommer är hand och knäskador. Det är inte den grupp inom byggindustrin som har störst skadefrekvens men endast en låg andel klarar av att arbeta ända till pensionen.  Detta examensarbete har haft till syfte att ge en objektiv bild av arbetsmiljön för golvläggare, och ta fram brister och förslag på förbättringar. Det har gjorts efter önskemål från Golvbranschen Öst och Lars Johnsson som under lång tid sett problem i branschen.  Jag har gjort intervjuer med golvläggare och leverantörer (se sidan 34) och observationer på arbetsplatser, tagit fram statistiskt underlag från arbetsmiljöverket över skador och gjort litteraturstudier på forskning inom området. Jag kom fram till att arbetsskador framför allt orsakas av dåligt anpassad skyddsutrustning och även golvmaterial levererade i för stora förpackningar. Golv levereras i längder som är svåra att hantera manuellt och väger ofta hundratals kilo. Därför blir hjälpmedel som bygghissar mycket viktigt för att förebygga arbetsskador, trots att dessa ofta plockas bort i förtid. Det finns mycket som kan förbättras på området, bland annat bättre anpassad utrustning och golv/mattbeläggning som levereras i mindre storlekar och vikter.Yearly injuries among flooring contractors caused from work are 1.5 %. And the most common body part to be injured is hand and knee. This group is not the most injured in the building industry but a very low percent manage to work until retirement. The purpose of this essay has been to give a view of the working environment in this industry, with deficiencies and improvement possibilities. The method has been interviews and observation studies at construction places, processing of statistics from Swedish work environment authority and literature studies of research in the area. The findings made was that injuries mostly are caused by badly adapted safety equipment and extremely heavy building material with very high weight. Limitations in working environment when building elevators is taken away too early also causes problems. Work is often done with piecework pay and this induce higher speed and increase risk of injuries. Today many areas can be improved, for example safety equipment and size/weight of building material

The Ohio Grain Marketing Legislation of 1982 and 1983

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The Efficient Water Market of the Northern Colorado Water Conservancy District: Colorado, USA

The case study presented is focused on the use of tradable and rentable water permits designed to maximise the efficiency of the use of water resources in Colorado (USA). The State of Colorado is divided into two distinct regions: the eastern, dry plains and the western areas that start with the Rocky Mountains and extend through rugged lands to the western border of the State. Rainfall and snow are heavy on the western side of the Rockies, while the eastern slopes of the mountains (the "East Slope") and the plains are semi-arid. In order to compensate this unequal distribution of the water resources, a complicated project of water transfer has been designed. The Colorado-Big Thompson Project is the largest transmountain water diversion project in Colorado. Built between 1938 and 1957, the C-BT Project provides supplemental water to 30 cities and towns and is used to provide supplemental irrigation to 693,000 acres of north-eastern. In order to efficiently manage the "foreign water provision" ensured by the CB-t project, it was founded the Northern Colorado Water Conservation District (NCWCD). It was established in 1937 to contract with the Federal Government to build the large trans-mountain water transfer project. NCWCD is responsible for the diversion works of the project and for the allocation of water on the eastern side of the mountains

The Paper Chase: Securitization, Foreclosure, and the Uncertainty of Mortgage Title

The mortgage foreclosure crisis raises legal questions as important as its economic impact. Questions that were straightforward and uncontroversial a generation ago today threaten the stability of a $13 trillion mortgage market: Who has standing to foreclose? If a foreclosure was done improperly, what is the effect? And what is the proper legal method for transferring mortgages? These questions implicate the clarity of title for property nationwide and pose a too-big-to-fail problem for the courts. The legal confusion stems from the existence of competing systems for establishing title to mortgages and transferring those rights. Historically, mortgage title was established and transferred through the public demonstration regimes of UCC Article 3 and land recordation systems. This arrangement worked satisfactorily when mortgages were rarely transferred. Mortgage finance, however, shifted to securitization, which involves repeated bulk transfers of mortgages. To facilitate securitization, deal architects developed alternative contracting regimes for mortgage title: UCC Article 9 and MERS, a private mortgage registry. These new regimes reduced the cost of securitization by dispensing with demonstrative formalities, but at the expense of reduced clarity of title, which raised the costs of mortgage enforcement. This trade-off benefitted the securitization industry at the expense of securitization investors because it became apparent only subsequently with the rise in mortgage foreclosures. The harm, however, has not been limited to securitization investors. Clouded mortgage title has significant negative externalities on the economy as a whole. This Article proposes reconciling the competing title systems through an integrated system of note registration and mortgage recordation, with compliance as a prerequisite to foreclosure. Such a system would resolve questions about standing, remove the potential cloud to real-estate title, and facilitate mortgage financing by clarifying property rights

Conflict of Laws in the Uniform Commercial Code

Pulsatilla vernalis is one of several endangered plant species that benefit from wildfires and small scale disturbance events that repel competing vegetation and create open patches in the vegetation cover. Previous studies argue that Pulsatilla vernalis is decreasing in numbers due to vegetation changes associated with the decrease in wildfires, forest grazing and changes in forest management. In this study, 17 populations of P. vernalis were inventoried in order to examine if soil and/or vegetation structures affect the population structure of P. vernalis (i.e. population size, presence of flowering individuals, density of juveniles) and if performed conservation attempts in the populations have been positive for P. vernalis. This was done by counting the number of vegetative, flowering and juvenile individuals and examining soil and vegetation structure in the populations. The population sizes were then compared with estimates of population sizes from earlier inventories of P. vernalis at the same localities. The study also presents specific recommendations for an improved conservation management of P. vernalis. The results of this study show that mechanical conservation management had a positive effect on the population size and that open areas in the vegetation cover provided better conditions for viable populations of P. vernalis. To prevent the trend of decreasing population sizes of P. vernalis, conservation measures must be carried out to repel competing vegetation and to restore or maintain open patches in existing populations

Potential applications of structured commodity financing techniques for banks in developing countries

This paper discusses of a number of innovative financial techniques that can be used by developing country banks to open up new financing possibilities in the commodities sector, for industries servicing the commodity sector, and for financing on the basis of "commoditized" income streams. This includes techniques such as factoring and forfaiting, countertrade, warehouse receipt finance, prepayments, export receivables finance, Islamic finance, structured import finance, and securitization. A number of practical models for developing country banks are described.agricultural finance structured finance repos banks securitization