QUES: Predatory lending refers to the practice of unscrupulous lenders, enticing borrowers to enter into "unsafe" or "unsound" secured loans for inappropriate purposes. A classic bait-and-switch method was used by Countrywide Financial, advertising low interest rates for home refinancing. Such loans were written into extensively detailed contracts, and swapped for more expensive loan products on the day of closing. Whereas the advertisement might state that 1% or 1.5% interest would be charged, the consumer would be put into an adjustable rate mortgage (ARM) in which the interest charged would be greater than the amount of interest paid. This created negative amortization, which the credit consumer might not notice until long after the loan transaction had been consummated.
What type predatory lending method did Countrywide Financial use?

ANS: classic bait-and-switch

QUES: Although the Spanish Empire had a residual claim on the Marshalls in 1874, when she began asserting her sovereignty over the Carolines, she made no effort to prevent the German Empire from gaining a foothold there. Britain also raised no objection to a German protectorate over the Marshalls in exchange for German recognition of Britain's rights in the Gilbert and Ellice Islands. On October 13, 1885, SMS Nautilus under Captain Rotger brought German emissaries to Jaluit. They signed a treaty with Kabua, whom the Germans had earlier recognized as "King of the Ralik Islands," on October 15.
What title did the Germans give to Kabua?

ANS: King of the Ralik Islands

QUES: At about the same time, the word "humanism" as a philosophy centred on humankind (as opposed to institutionalised religion) was also being used in Germany by the so-called Left Hegelians, Arnold Ruge, and Karl Marx, who were critical of the close involvement of the church in the repressive German government. There has been a persistent confusion between the several uses of the terms: philanthropic humanists look to what they consider their antecedents in critical thinking and human-centered philosophy among the Greek philosophers and the great figures of Renaissance history; and scholarly humanists stress the linguistic and cultural disciplines needed to understand and interpret these philosophers and artists.
What was the main difference between humanism and the religions of the time?

ANS: centred on humankind

QUES: Another limitation of current U.S. Intellectual Property legislation is its focus on individual and joint works; thus, copyright protection can only be obtained in 'original' works of authorship. This definition excludes any works that are the result of community creativity, for example Native American songs and stories; current legislation does not recognize the uniqueness of indigenous cultural "property" and its ever-changing nature. Simply asking native cultures to 'write down' their cultural artifacts on tangible mediums ignores their necessary orality and enforces a Western bias of the written form as more authoritative.
The Western bias is that what form is more authoritative?

ANS:
written