User: Ты - ChatGPT-4o в Telegram чат-боте. Ты УМЕЕШЬ создавать картинки и говорить погоду. Ты ДОЛЖЕН использовать только базовый MarkdownV2 синтаксис Telegram.

ВАЖНО: Если пользователь хочет создать картинку, то нужно вернуть на сервер ответ строго формата:
"imageGetInfoFind|размер|" + детальное описание картинки (БЕЗ КОВЫЧЕК)
где размер может быть:
- square (1024x1024)
- wide (1024x576)
- tall (576x1024)
- landscape (1024x682)
- portrait (682x1024)
(Максимальный размер текстового описания - 1000 символов.)ВАЖНО: Если пользователь хочет получить погоду, то нужно вернуть на сервер ответ строго формата:
"PogodaFindInfo " + город (БЕЗ КОВЫЧЕК И ТЫ МОЖЕШЬ ПРЕДОСТАВЛЯТЬ ИНФОРМАЦИЮ ТОЛЬКО НА ЗДЕСЬ И СЕЙЧАС, НИ ЧАСОМ ПОЗЖЕ ИЛИ РАНЬШЕ. НА ЗАВТРА НЕЛЬЗЯ И ВЧЕРА)
Для написания математических формул используйте Unicode символы или четкие формулировки для представления математических выражений, чтобы обеспечить правильное отображение.
Assistant: Хорошо
User: Ты помошник в чат-боте от Keeps IT. Представляйся ChatGPT-4o от: Open AI
Assistant: Хорошо
User: please give me the key words and Acronym words of this research proposal THE ROLE OF COMMUNICATION ON INSTITUTIONAL PERFORMANCE (A CASE STUDY ON COMMERCIAL BANK OF ETHIOPIA, Mattu BRANCH)
Assistant: Вот ключевые слова и акронимы для вашего исследовательского предложения:

*Ключевые слова:*
- Роль коммуникации
- Институциональная производительность
- Коммерческий банк
- Эфиопия
- Исследование
- Mattu Branch
- Взаимодействие
- Эффективность
- Стратегия
- Менеджмент

*Акронимы:*
- РК (Роль Коммуникации)
- ИП (Институциональная Производительность)
- КБЭ (Коммерческий Банк Эфиопии)
- МБ (Mattu Branch)

Надеюсь, это поможет!
User: English language is good please
Assistant: Here are the keywords and acronyms for your research proposal "THE ROLE OF COMMUNICATION ON INSTITUTIONAL PERFORMANCE (A CASE STUDY ON COMMERCIAL BANK OF ETHIOPIA, Mattu BRANCH)":

_Keywords:_
- Role of Communication
- Institutional Performance
- Commercial Bank
- Ethiopia
- Case Study
- Mattu Branch
- Interaction
- Effectiveness
- Strategy
- Management

_Acronyms:_
- RC (Role of Communication)
- IP (Institutional Performance)
- CBE (Commercial Bank of Ethiopia)
- MB (Mattu Branch)

I hope this helps!
User: Please give me the gaps in this proposal research ASSESSING THE SOCIO-ECONOMIC PROBLEMS ENCOUNTERED ORPHAN CHILDREN IN CASE OF MATTU TOWN.
Assistant: Here are some potential gaps in the research proposal "ASSESSING THE SOCIO-ECONOMIC PROBLEMS ENCOUNTERED BY ORPHANED CHILDREN IN THE CASE OF MATTU TOWN":

1. *Limited Geographic Scope*: The research focuses only on Mattu Town, which may not provide a comprehensive understanding of the socio-economic problems faced by orphaned children across different regions.

2. *Lack of Longitudinal Data*: A one-time assessment may not capture changes over time in the socio-economic conditions of orphaned children. Longitudinal studies could provide deeper insights.

3. *Insufficient Stakeholder Perspectives*: The proposal may not include the perspectives of key stakeholders such as caregivers, local NGOs, government officials, or the children themselves, which could provide a more holistic view.

4. *Cultural Context*: There may be a lack of exploration regarding how cultural factors influence the problems faced by orphaned children in Mattu Town.

5. *Quantitative vs. Qualitative Balance*: The proposal might lean heavily on either quantitative or qualitative methods without adequately combining both to provide a fuller picture of the issues.

6. *Policy Analysis*: There may be insufficient discussion on existing policies and their effectiveness in addressing the socio-economic problems of orphaned children.

7. *Future Implications*: The proposal might not address how the findings will be utilized or the potential impact of the research on policy-making or interventions for orphaned children.

Identifying and addressing these gaps can contribute to a more robust and comprehensive research study.
User: Please re-arrange my background of the study based on the following point: definition of the problem magnitude of the problem globally, at continent level country level,  Oromia to the mattu town what are the contributing factor for the problem? Discuss also the rational of conducting this study in matte townIn many countries of the world, orphan children face many problems. But, its size is different from one country to other country. According to the report by UNAIDS over140 million children under the age of 18 in the developing countries have lost one or both of their parents. In sub Saharan alone there are 43 million orphan and vulnerable children, representing more than 12% of all children in the countries (UNAIDS2004). 
 According to the report by UNIEF in Ethiopia 13% of all children are orphans, this represent 4 million children, out of which nearly 650,000 of them are orphaned by HIV/ AIDS. It estimated that further 200,000 children are becoming orphan in Ethiopia every year. UNICEF stated that orphan means any children who have lost one or both of their parents. The children right convention adopted by Ethiopian government states that, in the declaration of the right of the child “the child, by reason of his or her physical or mental immaturity needs special care including appropriate legal protection before as well as after birth (UNICF2002). 
Different studies show that orphan and vulnerable children are common problem of all developing, and developed countries (UNICEF, 2002). These problems lead to sexual abuse, labor exploitation, illness, homelessness and lack of family support (Taut, 1989 cited in Yasmin 1998). However, in developing countries the rate of orphanage is very high than developed countries because of various factors that contribute to the existence of orphan and vulnerable children such as HIV/AIDS, persistent and sever poverty, chronic food insecurity, war, drought and malnutrition (UNCEF, 2002).Hence children have number of needs such as economic need, social need, and educational need. But they face difficulty to meet their basic needs, this expose them to emotional problem, labor exploitation and homelessness (John Travel, 1976; 14, 9)
As John stated, if orphan children have no income and job to fulfill their basic needs, they have high probability of facing malnutrition, sexual abuse and to involve in commercial sex work because many of extended family cannot afford to give sufficient and nutritional diet to the children.
The aim of this study is to assess the socio economic problem of orphan children in Mattu town in case of kebele 02.
Assistant: Here’s a restructured background of the study based on your points:

---

### Background of the Study

*Definition of the Problem:*
Orphaned children are defined as those who have lost one or both parents, as stated by UNICEF. The challenges faced by these children are numerous and vary significantly across different regions of the world.

*Magnitude of the Problem:*

*Global Level:*
According to a report by UNAIDS, over 140 million children under the age of 18 in developing countries have lost one or both parents. The issue is particularly acute in sub-Saharan Africa, where there are approximately 43 million orphan and vulnerable children, representing more than 12% of the child population (UNAIDS, 2004).

*Continental Level:*
In Africa, the prevalence of orphanhood is exacerbated by factors such as high rates of HIV/AIDS, persistent poverty, and social instability. These conditions contribute significantly to the vulnerability of children across the continent.

*Country Level (Ethiopia):*
In Ethiopia, the situation is alarming, with UNICEF reporting that 13% of all children are orphans, which equates to about 4 million children. Nearly 650,000 of these orphans are a result of HIV/AIDS, and it is estimated that an additional 200,000 children are orphaned each year. The Children’s Rights Convention, adopted by the Ethiopian government, emphasizes the need for special care and legal protection for orphaned children due to their physical and mental immaturity (UNICEF, 2002).

*Regional Focus (Oromia and Mattu Town):*
Within the Oromia region, the town of Mattu represents a microcosm of the challenges faced by orphans in Ethiopia. Numerous contributing factors exacerbate the situation, including high poverty rates, food insecurity, and social neglect. Studies highlight that orphaned and vulnerable children often experience sexual abuse, labor exploitation, illness, and homelessness (Taut, 1989 cited in Yasmin, 1998).

*Contributing Factors to the Problem:*
Several factors contribute to these challenges, including:
- *HIV/AIDS:* The ongoing epidemic severely impacts family structures, leaving many children without parental care.
- *Poverty and Food Insecurity:* Many orphaned children are placed in extended family care that struggles to provide adequate nutrition and support.
- *Conflict and Displacement:* War and unrest further complicate their living conditions, exacerbating their vulnerabilities.

*Rationale for Conducting the Study in Mattu Town:*
Conducting this study in Mattu Town is vital as it provides an opportunity to identify and assess the socio-economic problems specifically affecting orphan children in this locality. Understanding these challenges at the kebele 02 level will inform interventions and policies aimed at improving the lives of these vulnerable children.

*Conclusion:*
Orphaned children in Mattu Town, and more broadly in Ethiopia, face significant socio-economic challenges that hinder their development. Addressing these issues is critical not only for the well-being of the children but also for the overall socio-economic progress of the community.

---

Feel free to adjust any specific sections to better fit your study or perspective!
User: Please Re-write is based on issue, methodological and geographical delimitations 1.5. Scope of the study
Since investigating the socio economic problems of orphan children in the region in general and Mattu town in particularly is difficult and cumbersome. This research is delimited to the socio economic problems of orphan children in Oromia region, particularly in Mattu town Keble 02.
Assistant:  1.5 Scope of the Study

Investigating the socio-economic problems faced by orphaned children is a complex task, requiring a nuanced understanding of various factors and contexts. For the purposes of this research, the study will be delimited to the following areas:

_Issue Delimitations:_
This research focuses specifically on the socio-economic challenges experienced by orphaned children, including but not limited to issues related to poverty, education, health, and social support. By concentrating on these aspects, the study aims to provide a comprehensive understanding of how these factors intersect and impact the lives of orphaned children.

_Methodological Delimitations:_
To ensure a thorough analysis, the study will utilize a combination of qualitative and quantitative methods. Surveys and interviews will be conducted within the community to gather data on the experiences and perspectives of orphaned children, caregivers, and local stakeholders. However, this research will not cover interventions provided by NGOs or government programs, focusing instead on the direct experiences of the children themselves.

_Geographical Delimitations:_
The geographical scope of this study is strictly confined to the Oromia region, specifically the Keble 02 in Mattu Town. This focus allows for an in-depth examination of the socio-economic conditions within a localized context, acknowledging that the challenges faced by orphaned children may vary significantly across different regions and towns.

By establishing these delimitations, the study seeks to provide targeted insights into the socio-economic problems of orphaned children in Mattu Town, facilitating a more concentrated and manageable research endeavor.
User: Please give me the good writing This is not well written. Populations including disadvantageous groups should be described well. Description of the study Area
The study will be conducted in Mattu town, Mattu town is one of the town in Ethiopia administered by Oromia regional state.. Mattu is small town which is administratively structured under woreda administration. It is located 542.5Km far apart from Addis Ababa. The town posses’ urban infrastructures like road, hotels, hospitals, water service, school and electricity and transport services.
Assistant:  Description of the Study Area

This study will be conducted in Mattu Town, located in the Oromia Regional State of Ethiopia. As a small yet vital urban center, Mattu Town is administered under the woreda structure, which serves as the local government framework in Ethiopia. 

Mattu Town is situated approximately 542.5 kilometers from Addis Ababa, the capital city. Despite its size, the town is equipped with essential urban infrastructure that supports its residents. Key facilities include well-maintained roads, healthcare services provided by local hospitals, a variety of hotels for visitors, and reliable water and electricity services. Additionally, there are educational institutions, including schools, that cater to the needs of the local population.

This infrastructural framework facilitates economic activities and enhances the social well-being of the community, but it is essential to recognize that certain disadvantaged groups within the population, particularly orphaned children, may still face significant challenges. The socio-economic conditions and available services in Mattu Town will provide crucial context for understanding the specific problems encountered by these vulnerable groups.

By focusing on this specific area, the study aims to highlight the unique socio-economic landscape of Mattu Town, while also emphasizing the needs and circumstances of its disadvantaged populations, including orphaned children.
User: Please give me  missed two things;  1. Study Design? 2. Approaches of the study?  Include these two things!   It is also better if you add the sources of data you will going to use. Sample size and Sampling procedure 
According to social and labor affairs bureau of the district. There are 230 orphan children in Mattu town Kebele 02 (127male, 103 female)
Among these the researchers’ selected 30 OVC respondents and 4 key informants by using purposive sampling which is one of the non- probability sampling technique. The researcher has decided to use purposive sampling technique considering the difficulty of getting appropriate sampling frame. Besides, we found this sampling technique helpful to conduct the study.
Assistant:  Study Design

This research will employ a mixed-methods study design, integrating both qualitative and quantitative approaches to provide a comprehensive analysis of the socio-economic problems faced by orphaned children in Mattu Town. The use of this design allows for an in-depth exploration of individual experiences through qualitative interviews while also gathering quantifiable data through surveys. 

### Approaches of the Study

1. *Qualitative Approach*: This will involve semi-structured interviews with orphaned children and key informants, including local officials and caregivers. This approach will help to gather rich, detailed narratives about the experiences and challenges these children face.

2. *Quantitative Approach*: A structured questionnaire will be administered to a larger sample of orphaned children to quantify various socio-economic indicators, such as education, health, and access to services. This quantitative data will complement the qualitative findings and provide a broader understanding of the issues.

### Sources of Data

Data for this study will be collected from various sources, including:

- *Primary Data*: Directly from the target population (orphaned children) through surveys and interviews, as well as from key informants to gain diverse perspectives.

- *Secondary Data*: Official statistics and reports from relevant governmental and non-governmental organizations, including the Social and Labor Affairs Bureau of the district, which provide context and background information on the population and existing socio-economic conditions.

### Sample Size and Sampling Procedure

According to the Social and Labor Affairs Bureau of the district, there are 230 orphaned children in Kebele 02 of Mattu Town, comprising 127 males and 103 females. For the purposes of this study, a purposive sampling technique—one of the non-probability sampling methods—will be employed to select respondents.

- The research will select *30 orphaned children* as respondents and *4 key informants* for interviews. 

- The purposive sampling technique is chosen due to the challenges associated with obtaining an appropriate sampling frame and the specific characteristics required for the participants in this study. This method is expected to allow the researcher to gain insights from those individuals most directly affected by the socio-economic challenges being examined, as well as knowledgeable informants who can provide valuable contextual information. 

This study design, combined with the chosen approaches and meticulous sampling procedure, aims to ensure a robust and meaningful investigation into the socio-economic problems faced by orphaned children in Mattu Town.
User: Please give me All methods of data collections should be discussed separately. Whenever you do this, you have to discuss about the nature of data you going to collect by using that particular method of data collection. Include the sampling technique that you going to use to select participants too. Data collection Method
For this research both qualitative and quantitative research methods will be used. To collect qualitative data, the researchers will use interview guide with key informants. As quantitative research methods questionnaire which are both close-ended and open ended will be prepared in English language.
Assistant:  Data Collection Method

For this research, both qualitative and quantitative research methods will be utilized to ensure a comprehensive understanding of the socio-economic problems faced by orphaned children in Mattu Town. Each method will be discussed separately, outlining the nature of data to be collected and the sampling technique employed for participant selection.

#### Qualitative Data Collection

*Method: Semi-Structured Interviews*

To collect qualitative data, the researchers will conduct semi-structured interviews with key informants, including local officials, caregivers, and community leaders. An interview guide will be developed to facilitate the conversation while allowing flexibility for participants to share their insights and experiences. 

- *Nature of Data Collected*: This method will yield rich, narrative data, capturing personal experiences, perceptions, and the socio-cultural context surrounding the challenges faced by orphaned children. The data will include descriptions of the local support systems, resources available for children, and insights into the barriers these children encounter in their daily lives.

- *Sampling Technique*: The researchers will use purposive sampling to select key informants. This technique allows for the identification of participants who possess detailed knowledge and relevant experience regarding the socio-economic conditions of orphaned children. 

#### Quantitative Data Collection

*Method: Surveys*

For the quantitative aspect, the researchers will administer structured questionnaires to a sample of orphaned children. The questionnaires will comprise both closed-ended and open-ended questions, prepared in English to ensure clarity and consistency.

- *Nature of Data Collected*: The quantitative data will focus on measurable aspects of the socio-economic status of orphaned children, such as educational attainment, health status, access to essential services (like healthcare and nutrition), and living conditions. The closed-ended questions will provide statistical data that can be analyzed to identify trends and correlations, while the open-ended questions will allow respondents to provide their personal views on the challenges they face.

- *Sampling Technique*: Purposive sampling will also be employed for selecting orphaned children as respondents. A total of 30 orphaned children from Kebele 02 in Mattu Town will be selected based on criteria such as their status as orphans and their willingness to participate in the study. This approach ensures that the sample is representative of the population being studied and allows for the collection of relevant and meaningful data.

### Conclusion

By employing a combination of qualitative and quantitative methods, this research aims to provide a comprehensive analysis of the socio-economic problems faced by orphaned children in Mattu Town. The complementary nature of both data collection methods will enhance the depth and validity of the findings, allowing for informed recommendations to improve the circumstances of these vulnerable children.
User: Please give me All contents need serious modification! 3.5. Study design
This research is cross-sectional in nature. It is cross sectional due to the fact that the necessary data will be collected at one spot from January up to February 2025G.C. 
3.6. Method of data analysis
The qualitative data was analyzed interims of words, whereas the quantitative data Will be analyzed by using descriptive statistics.
Assistant:  3.5 Study Design

This research will adopt a cross-sectional design, which is appropriate for assessing the socio-economic problems of orphaned children in a specific context, Mattu Town. The cross-sectional nature of the study allows for data collection at a single point in time, which is essential for understanding the current situation facing these children. Data collection will take place from January to February 2025, ensuring that insights gathered reflect the conditions and challenges existing at that moment. This design is effective for capturing a snapshot of the socio-economic landscape and the immediate needs of orphaned children, facilitating timely analysis and reporting.

### 3.6 Method of Data Analysis

Data analysis for this study will involve both qualitative and quantitative methods, reflecting the nature of the data collected.

- *Qualitative Data Analysis*: The qualitative data gathered through semi-structured interviews will be analyzed thematically. This process will involve coding the interview transcripts to identify key themes, patterns, and insights related to the experiences of orphaned children and their socio-economic circumstances. The analysis will interpret the words and narratives of participants, providing a nuanced understanding of the challenges they face.

- *Quantitative Data Analysis*: The quantitative data obtained through structured questionnaires will be analyzed using descriptive statistics. This will include calculating frequencies, percentages, means, and standard deviations to summarize the socio-economic indicators of the orphaned children surveyed. Descriptive statistics will allow for clear visualization of the data and enable comparisons across different demographic variables, revealing important trends and patterns that inform the socio-economic conditions of orphaned children in Mattu Town.

Together, these analytical methods will yield a comprehensive overview of the socio-economic problems identified in the study, allowing for informed conclusions and potential recommendations to address the needs of vulnerable children in the community.
User: Please give me an example of this Principle of joint and several liability.
(1) The creditor may require all the debtors or one of them to discharge the obligation in whole or in part.
(2) Each debtor shall be liable until the obligation u fully discharged.
Assistant: Example the Principle of Joint and Several Liability__

Consider a scenario where three friends—Alice, Bob, and Charlie—decide to take out a loan together to start a small café. The total loan amount is $30,000, and they all agree to be jointly and severally liable for repaying this loan.

1. *Creditor's Rights:* If the café faces financial difficulties and is unable to generate enough revenue, the creditor (the bank or lender) may require any one of the three friends—Alice, Bob, or Charlie—to pay back the entire loan amount of $30,000. This means that the creditor does not have to pursue all three debtors at the same time; they can choose to collect the full amount from just one of them.

2. *Individual Liability:* Each friend remains liable for the entire loan until the obligation is fully discharged. If Alice pays the full amount of $30,000 to the creditor to settle the debt, she can then seek reimbursement from Bob and Charlie for their respective shares of the debt. Since they were all equally responsible for the loan, Alice can claim $10,000 from each of them (assuming they had agreed to split the loan equally).

This principle ensures that creditors have a reliable way to collect debts, as they can pursue any debtor for the full amount, thus reducing the risk of default. Conversely, it places the burden on the debtors, as each one is responsible for the entire obligation until it is fully paid off.
User: Please give me an example of this Res judicata.
Proceeding instituted against one of the debtors shall be no bar to similar proceedings bang instituted against the other debtors.
Assistant: Example of Res Judicata__

Imagine a scenario where a landlord (Mr. Smith) files a lawsuit against two separate tenants (Tenant A and Tenant B) for non-payment of rent. Each tenant is responsible for their own lease, and the lease agreements are independent of one another.

1. *Initial Lawsuit:* Mr. Smith successfully sues Tenant A for the unpaid rent, and the court issues a judgment that Tenant A owes Mr. Smith $5,000. Tenant A does not appeal this decision and the matter is considered final. This judgment serves as res judicata with respect to Tenant A; Mr. Smith cannot bring another lawsuit against Tenant A for the same issue of non-payment for that particular time period.

2. *Separate Proceedings:* In the meantime, Mr. Smith can still initiate a separate lawsuit against Tenant B for their unpaid rent. The legal principle of res judicata states that the judgment against Tenant A does not prevent Mr. Smith from pursuing a similar action against Tenant B. The cases are treated independently because each tenant's situation is separate and distinct.

Thus, while the outcome of the case against Tenant A does not affect Tenant B, it exemplifies that the principle of res judicata prevents the landlord from pursuing the same claim against Tenant A again, but not against Tenant B. Consequently, Mr. Smith can hold both tenants accountable under their respective agreements, even if both cases arise from similar issues of unpaid rent.
User: Please give me an example of this Set-off.
Where the creditor owes a debt to one debtor, the co-debtors shall not be released unless the debt ultimately rests with the debtor with whom the set-off was made.
Assistant:  of Set-Off

Consider a situation where two parties, Company A and Company B, have mutual debts:

1. *Debts Involved:*
   - Company A owes Company B $10,000 for services rendered.
   - Concurrently, Company B owes Company A $4,000 for goods purchased.

2. *Set-Off Situation:*
   - In this case, Company B can exercise the right of set-off. Instead of Company A paying the entire $10,000, the debts can be offset against each other. Company B effectively deducts the $4,000 it owes from the amount Company A owes.

3. *Resulting Debt:*
   - After the set-off, Company A would owe Company B $6,000 ($10,000 - $4,000). Company A will now only need to pay $6,000 to settle the remaining balance of its debt to Company B.

4. *Co-Debtors and Release:*
   - If there are other co-debtors involved (for example, Partners P and Q in a partnership with Company A and Company B), the release of Company A’s obligation is contingent on the final debt resting with the debtor (here, Company B) with whom the set-off was made. In this case, if Company A’s $10,000 debt is now effectively reduced to $6,000 due to the set-off, the other co-debtors, Partners P and Q, still remain liable for their portion of the original obligation unless there are specific agreements stating otherwise.

In summary, the principle of set-off allows for mutual debts to be settled against each other, thereby reducing the final amount owed, without releasing the co-debtors from their responsibilities regarding their share of the debt.
User: Please give me an example of this Notice.
Notice placing one debtor in default shall be effective against all the debtors.
Assistant: Example of Notice__

Consider a situation involving a business loan taken out by three partners—Alice, Bob, and Charlie—who have jointly agreed to be liable for the loan. The lender, a bank, issued a loan of $60,000 to the partnership.

1. *Scenario of Default:*
   - After a year, the partnership is unable to make the required payments, and the bank decides to place the partnership in default due to non-payment.

2. *Issuing Notice:*
   - The bank sends a formal notice of default to all three partners, stating that the partnership has failed to make payments and that they are now in default regarding the loan obligation. This notice officially puts them on alert that their joint obligations are now in breach.

3. *Effect of the Notice:*
   - According to the principle of notice, this notification of default is effective against all three partners (Alice, Bob, and Charlie). Even if one partner, say Charlie, might argue that he wasn't directly responsible for the missed payments or that he was unaware of the situation, the notice still applies to him and the other partners. They are all held accountable for the default.

4. *Consequences:*
   - As a result, the lender can pursue any or all of the partners for the entire remaining amount owed on the loan. If the bank chooses to recover the debt from Alice, it can demand the full outstanding amount, regardless of Charlie or Bob's awareness or involvement in the default. Any served notice ensures that all co-debtors acknowledge their collective liability as a result of the default.

This example illustrates how a notice of default placed on one debtor (the partnership) is effective against all co-debtors, reinforcing their shared responsibility for the debt.
User: Please give me an example of this Nullity of obligation
(1) Any debtor may act up against the creditor defences based on the nullity of the obligation.
(2) Where the obligation, is null owing to a defect in the consent or to the incapacity of the debtor, such nullity may be raised by that debtor only.
Assistant:  of Nullity of Obligation

1. *Scenario*:
   - Imagine a situation where David, a minor, enters into a contract to purchase a car from a dealership for $15,000. Because David is a minor, he lacks the legal capacity to enter into binding contracts in many jurisdictions.

2. *Defect in Consent*:
   - After signing the contract, David realizes that he cannot legally own the car due to his age. He decides to nullify the obligation by claiming that his consent was invalid because he was not of legal age at the time of signing the contract.

3. *Raising Nullity*:
   - According to the principle of nullity of obligation, David may raise the defense of nullity against the creditor (the dealership) to void the obligation. He can inform the dealership that the contract is null and unenforceable due to his incapacity as a minor. This action effectively eliminates any obligation on his part to purchase the car.

4. *Limitations on Raising Nullity*:
   - Importantly, only David (the debtor) has the standing to raise the defense of nullity based on his incapacity. The dealership cannot enforce the contract against David nor can any other party raise a defense against David based on the contract's validity due to his incapacity.

5. *Conclusion*:
   - This example illustrates how any debtor, such as David, can act against the creditor (the dealership) based on defenses centered around the nullity of the obligation. Furthermore, it emphasizes that in cases where an obligation is deemed null due to a defect in consent or the incapacity of the debtor, only that specific debtor may raise the nullity defense. In this case, David can freely claim the nullity of the obligation without any risk of being held accountable for the contract.
User: Please remove the error  Well very great news dear and how is the process of moving our city to Ramchel right now I hope you are in the processing for the moving our city please hurry up we need to our city it will be a new city when we come
Assistant: