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Books > Law > Laws of other jurisdictions & general law > Financial, taxation, commercial, industrial law > Consumer law

Consumer Protection and Online Auction Platforms - Towards a Safer Legal Framework (Hardcover, New Ed): Christine Riefa Consumer Protection and Online Auction Platforms - Towards a Safer Legal Framework (Hardcover, New Ed)
Christine Riefa
R3,998 Discovery Miles 39 980 Ships in 12 - 17 working days

Online auctions have undergone many transformations and continue to attract millions of customers worldwide. However these popular platforms remain understudied by legal scholars and misunderstood by legislators. This book explores the legal classification of online auction sites across a range of countries in Europe. Including empirical studies conducted on 28 online auction websites in the UK, the research focusses on the protection of consumers' economic rights and highlights the shortcomings that the law struggles to control. With examinations into important developments, including the Consumer Rights Directive and the latest case law from the CJEU on the liability of intermediaries, Riefa anticipates changes in the law, and points out further changes that are needed to create a safe legal environment for consumers, whilst preserving the varied business model adopted by online auction sites. The study provides insights into how technical measures as well as a tighter legislative framework or enforcement pattern could provide consumers with better protection, in turn reinforcing trust, and ultimately benefiting the online auction platforms themselves.

Resolving Mass Disputes - ADR and Settlement of Mass Claims (Hardcover): Christopher Hodges, Astrid Stadler Resolving Mass Disputes - ADR and Settlement of Mass Claims (Hardcover)
Christopher Hodges, Astrid Stadler
R3,721 Discovery Miles 37 210 Ships in 12 - 17 working days

The landscape of mass litigation in Europe has changed impressively in recent years, and collective redress litigation has proved a popular topic. Although much of the literature focuses on the political context, contentious litigation, or how to handle cross-border multi-party cases, this book has a different focus and a fresh approach. Taking as a starting-point the observation that mass litigation claims are a 'AEonuisance'AEo for both parties and courts, the book considers new ways of settling mass disputes. Contributors from across the globe, Australia, Canada, China, Europe and the US, point towards an international convergence of the importance of settlements, mediation and alternative dispute resolution (ADR). They question whether the spread of a culture of settlement signifies a trend or philosophical desire for less confrontation in some societies, and explore the reasons for such a trend. Raising a series of questions on resolving mass disputes, and fuelling future debate, this book will provide a challenging and thought-provoking read for law academics, practitioners and policy-makers.

International Commercial Sales: The Sale of Goods on Shipment Terms (Paperback): Andrea Lista International Commercial Sales: The Sale of Goods on Shipment Terms (Paperback)
Andrea Lista
R6,421 Discovery Miles 64 210 Ships in 12 - 17 working days

This book comprehensively examines the entire legal process of the international sale of goods, beginning with the creation of the contract and continuing through to either the fulfilment of the sale, or the termination of the contract. Every day goods are globally traded between sellers and buyers in different countries and different jurisdictions. The distances between the parties involved in such transactions, and the relative risks related to that, are a key issue in international commercial sales. Sales of goods carried by sea, thus, differ quite drastically from domestic sales; the goods will be normally shipped at a port very distant from the buyer, preventing his physical presence at the port of loading. Further, the goods will travel in the custody of a carrier, a party normally quite independent from either trader. Finally, transactions concluded on shipment terms are normally irreversible, in the sense that shipping the goods back to the seller represents an unlikely option for the buyer. Traders around the world very frequently choose English law to govern their contracts, with disputes to be resolved through London arbitration or litigation. The basis of that law is to be found in the English Sale of Goods Act 1979, and the book consequently also includes an examination of the fundamental principles of that Act, as well as considering use of the Vienna Convention on the International Sale of Goods. This book will be an invaluable reference point for legal practitioners specialising in the sale of goods, as well as postgraduate students and academic researchers working in sales of goods and the international trade sector.

Product Safety and Liability Law in Japan - From Minamata to Mad Cows (Paperback): Luke Nottage Product Safety and Liability Law in Japan - From Minamata to Mad Cows (Paperback)
Luke Nottage
R1,395 Discovery Miles 13 950 Ships in 12 - 17 working days

Developing insights from a number of disciplines and with a details analysis of legislation, case law and academic theory, Product Safety and Liability Law in Japan contributes significantly to the understanding of contemporary Japan, its consumers and its law. It is also of practical use to all professionals exposed to product liability regimes evolving in Japan and other major economies.

The Law and Consumer Credit Information in the European Community - The Regulation of Credit Information Systems (Paperback):... The Law and Consumer Credit Information in the European Community - The Regulation of Credit Information Systems (Paperback)
Federico Ferretti
R672 Discovery Miles 6 720 Ships in 10 - 15 working days

Consumer credit information systems are the tools used by the majority of lenders to manage credit risk, with lenders accessing credit reference databases managed by third party providers to evaluate a consumer's credit application. So far, the subject of consumer credit reporting has been left to the predominant attention of the economic and business management scholarship and little or no consideration has been paid by lawyers. This book aims to rectify this by examining the legal framework and compliance in the European Community (EC) of such consumer information sharing arrangements which have become increasingly integrated in the credit granting practices of the Member States. The book looks at the laws which surround and affect consumer credit reporting, including bank secrecy obligations. Consumer credit reporting and its relationship to human rights is also explored, as every individual is in the EC is entitled to informational privacy. The book asks questions such as to what extent should the privacy of consumers be balanced against the aims and functions of consumer credit reporting, and how do the financial information sharing arrangements comply with the positive law, particularly the European data protection legislation?

The Yearbook of Consumer Law 2009 (Hardcover, New Ed): Deborah Parry The Yearbook of Consumer Law 2009 (Hardcover, New Ed)
Deborah Parry; Annette Nordhausen, Geraint Howells
R1,861 Discovery Miles 18 610 Ships in 10 - 15 working days

The Yearbook of Consumer Law provides a valuable outlet for high quality scholarly work which tracks developments in the consumer law field with a domestic, regional and international dimension. The 2009 volume presents a range of peer-reviewed scholarly articles, analytical in approach and focusing on specific areas of consumer law such as credit, consumer redress and the impact of the European Union on consumer law. The book also includes a section dedicated to significant developments during the period covered, such as key legislative developments and important court decisions. It is an essential resource for all academics and practitioners working in the areas of consumer law and policy.

Electronic Commerce and International Private Law - A Study of Electronic Consumer Contracts (Hardcover, New Ed): Lorna E.... Electronic Commerce and International Private Law - A Study of Electronic Consumer Contracts (Hardcover, New Ed)
Lorna E. Gillies
R4,601 Discovery Miles 46 010 Ships in 12 - 17 working days

Electronic Commerce and International Private Law examines the maximization of consumer protection via the consumer's jurisdiction and law. It discusses the proposition that a new connecting factor be used to improve the efficiency of juridical protection for consumers who contract with foreign sellers by electronic means and offers recommendations as to how to amend existing jurisdiction and choice of law rules to provide a basis for the consumer to sue in his own jurisdiction and for the law of the consumer's domicile to apply. The book will be a valuable resource for academics, students and practitioners working in the areas of international private law, electronic commerce law and consumer law.

Consumer Protection, Automated Shopping Platforms and EU Law (Hardcover): Christiana Markou Consumer Protection, Automated Shopping Platforms and EU Law (Hardcover)
Christiana Markou
R4,597 Discovery Miles 45 970 Ships in 12 - 17 working days

This book looks at two technological advancements in the area of e-commerce, which dramatically seem to change the way consumers shop online. In particular, they automate certain crucial tasks inherent in the 'shopping' activity, thereby relieving consumers of having to perform them. These are shopping agents (or comparison tools) and automated marketplaces. It scrutinizes their underlying processes and the way they serve the consumer, thereby highlighting risks and issues associated with their use. The ultimate aim is to ascertain whether the current EU regulatory framework relating to consumer protection, e-commerce, data protection and security adequately addresses the relevant risks and issues, thus affording a 'safe' shopping environment to the e-consumer.

Consumer Protection Law (Hardcover, 2nd edition): Geraint Howells, Stephen Weatherill Consumer Protection Law (Hardcover, 2nd edition)
Geraint Howells, Stephen Weatherill
R4,213 Discovery Miles 42 130 Ships in 12 - 17 working days

This fully revised and updated second edition of Consumer Protection Law introduces the reader to the substantive law of consumer protection in the United Kingdom, the emphasis being on the place of United Kingdom law within an evolving European legal system and also on the need to draw upon comparative experience. The book not only seeks to place consumer protection in its purely black-letter context but also draws upon wider readings to show that consumer protection law is a complex area of law which reflects and shapes the individual citizen's position within the modern economy.

Product Safety and Liability Law in Japan - From Minamata to Mad Cows (Hardcover): Luke Nottage Product Safety and Liability Law in Japan - From Minamata to Mad Cows (Hardcover)
Luke Nottage
R4,309 Discovery Miles 43 090 Ships in 12 - 17 working days


In the wake of environmental disasters such as the mercury poisonings in Minamata in the 1950s, a culturalist view of Japan as being in the thrall of weak legal consciousness and consumerism has persisted. This volume contests that view by reassessing Japanese product liability law and practice in a global context, comparing it with law in the European Union, United States and Australia.
The still-birth of product liability in the 1970s is contrasted with its rebirth in the late 1980s, and its pervasive impact throughout the 1990s is gauged at various levels, concluding that new processes are emerging in Japan, as in other complex industrialized democracies, which render product safety regulation more private and product liability more public.

International Commercial Sales: The Sale of Goods on Shipment Terms (Hardcover): Andrea Lista International Commercial Sales: The Sale of Goods on Shipment Terms (Hardcover)
Andrea Lista
R7,627 Discovery Miles 76 270 Ships in 12 - 17 working days

This book comprehensively examines the entire legal process of the international sale of goods, beginning with the creation of the contract and continuing through to either the fulfilment of the sale, or the termination of the contract. Every day goods are globally traded between sellers and buyers in different countries and different jurisdictions. The distances between the parties involved in such transactions, and the relative risks related to that, are a key issue in international commercial sales. Sales of goods carried by sea, thus, differ quite drastically from domestic sales; the goods will be normally shipped at a port very distant from the buyer, preventing his physical presence at the port of loading. Further, the goods will travel in the custody of a carrier, a party normally quite independent from either trader. Finally, transactions concluded on shipment terms are normally irreversible, in the sense that shipping the goods back to the seller represents an unlikely option for the buyer. Traders around the world very frequently choose English law to govern their contracts, with disputes to be resolved through London arbitration or litigation. The basis of that law is to be found in the English Sale of Goods Act 1979, and the book consequently also includes an examination of the fundamental principles of that Act, as well as considering use of the Vienna Convention on the International Sale of Goods. This book will be an invaluable reference point for legal practitioners specialising in the sale of goods, as well as postgraduate students and academic researchers working in sales of goods and the international trade sector.

Practice Notes on Consumer Law (Paperback, 4 Revised Edition): Peter Walker Practice Notes on Consumer Law (Paperback, 4 Revised Edition)
Peter Walker
R1,560 Discovery Miles 15 600 Ships in 12 - 17 working days

This fourth edition of Practice Notes on Consumer Law contains much useful information for those dealing with problems in consumer law, from either the consumer or supplier perspective. These notes include guidance on common problems, checklists, specimen letters and precedents to help you through the common problems in this area of law, which has recently changed so rapidly. Consumer Law covers contract, tort, consumer credit, and consumer safety. Each of these areas has seen huge changes in the ways business is done, largely as a result of changing technology, enabling people to buy goods and services in new ways, including via the internet. That technology can, in itself, be the cause of difficulties, where it goes wrong, or where suppliers have inadequate systems to deal with customer. Both suppliers and consumers need advice on how to deal with the problems that arise. This fourth edition has, therefore, been updated to include: developments such as the Unfair Terms in Consumer Contracts Regulations 1999, and the Contracts (Rights of Third Parties) Act 1999 changes in consumer safety law, particularly the regulations concerning general product safety changes in civil procedure as a result of the Woolf Reforms - the book includes procedural notes relating to litigation the influence of the European Union, particularly consumer protection for distance selling contracts.

Age Restricted Sales - The Law in England and Wales (Paperback, 3rd New edition): Tony Allen Age Restricted Sales - The Law in England and Wales (Paperback, 3rd New edition)
Tony Allen
R917 R735 Discovery Miles 7 350 Save R182 (20%) Ships in 9 - 15 working days

An authoritative and comprehensive legal text on all aspects of age restricted goods and services in England and Wales. Now in its third edition, the book covers all of the latest changes to age restrictions, including offensive weapons, cosmetic fillers and unmanned drones. It also has a new chapter exploring the emerging standards and laws for online safety and age assurance. The book cross references all relevant case law, official guidance and legislation with a guide as to relevant factors for law enforcement officers to consider. It is an essential text for anyone engaged in under age sales enforcement or corporate compliance departments focussed on avoiding under age sales. The book is set out by reference to the broad categories of age restriction and separate chapters on establishing a 'due diligence' defence and the powers and duties of law enforcement officers. Age Restricted Sales is the only comprehensive and authoritative legal text on the subject and will be an essential book for trading standards officers, licensing officers, police licensing officers, solicitors, barristers, corporate compliance departments, community safety officers.

Consumer Law (Hardcover): Thomas Wilhelmsson, Geraint Howells Consumer Law (Hardcover)
Thomas Wilhelmsson, Geraint Howells
R20,364 Discovery Miles 203 640 Ships in 12 - 17 working days

This research review discusses a compilation of path-breaking and well-cited literature as well as otherwise original contributions to the international debate on consumer protection. It focuses in particular on the role and policy of consumer law as well as on the approaches and methods of research in this domain. Key papers regarding the various instruments and issues surrounding consumer law are explored. The picture that emerges from this title is an area of law that is profoundly international and multidisciplinary, this piece of literature extends on this and ties together the featured papers. This review will be a useful tool for consumer law researchers and valuable to those engaged by this popular practice area.

The Law and Consumer Credit Information in the European Community - The Regulation of Credit Information Systems (Hardcover):... The Law and Consumer Credit Information in the European Community - The Regulation of Credit Information Systems (Hardcover)
Federico Ferretti
R3,563 R2,945 Discovery Miles 29 450 Save R618 (17%) Ships in 12 - 17 working days

Consumer credit information systems are the tools used by the majority of lenders to manage credit risk, with lenders accessing credit reference databases managed by third party providers to evaluate a consumer's credit application. So far, the subject of consumer credit reporting has been left to the predominant attention of the economic and business management scholarship and little or no consideration has been paid by lawyers. This book aims to rectify this by examining the legal framework and compliance in the European Community (EC) of such consumer information sharing arrangements which have become increasingly integrated in the credit granting practices of the Member States. The book looks at the laws which surround and affect consumer credit reporting, including bank secrecy obligations. Consumer credit reporting and its relationship to human rights is also explored, as every individual is in the EC is entitled to informational privacy. The book asks questions such as to what extent should the privacy of consumers be balanced against the aims and functions of consumer credit reporting, and how do the financial information sharing arrangements comply with the positive law, particularly the European data protection legislation?

Information Rights and Obligations - A Challenge for Party Autonomy and Transactional Fairness (Hardcover, New Ed): Andre... Information Rights and Obligations - A Challenge for Party Autonomy and Transactional Fairness (Hardcover, New Ed)
Andre Janssen; Edited by Geraint Howells
R3,998 Discovery Miles 39 980 Ships in 12 - 17 working days

Information requirements have become a key element of consumer policy at the European level and are also gaining increasing importance in all other areas of private law. The law stipulates that information provided should not be misleading and also involves requirements regarding the fairness and objectivity of what has been provided. In addition to controlling the veracity of what is voluntarily offered by traders, the law increasingly requires disclosure of certain information. This volume focuses especially on the question of how these information requirements influence the party autonomy. International contributors explore in various contexts whether the legislative policy regarding the information requirements and their relationship to party autonomy has been properly thought through.

The Cambridge Handbook of Twin Peaks Financial Regulation (Hardcover): Andrew Godwin, Andrew Schmulow The Cambridge Handbook of Twin Peaks Financial Regulation (Hardcover)
Andrew Godwin, Andrew Schmulow
R6,350 Discovery Miles 63 500 Ships in 12 - 17 working days

First proposed in 1994, the Twin Peaks model of financial system regulation employs two specialist peak regulators: one charged with the maintenance of financial system stability, and the other with market conduct and consumer protection. This volume, with contributions from over thirty scholars and senior regulators, provides an in-depth analysis of the similarities and differences in the Twin Peaks regimes that have been adopted around the world. Chapters examine the strengths and weaknesses of the model, provide lessons from Australia (the first to adopt the model), and offer a comparative look at the potential suitability of the model in leading non-Twin Peaks jurisdictions. A key resource for central bankers, public policy analysts, lawyers, economists, politicians, academics and students, this work provides readers with a comprehensive understanding of the Twin Peaks model, and a roadmap for countries considering its adoption.

Consumer Protection Law (Paperback, 2nd edition): Geraint Howells, Stephen Weatherill Consumer Protection Law (Paperback, 2nd edition)
Geraint Howells, Stephen Weatherill
R1,778 Discovery Miles 17 780 Ships in 12 - 17 working days

This fully revised and updated second edition of Consumer Protection Law introduces the reader to the substantive law of consumer protection in the United Kingdom, the emphasis being on the place of United Kingdom law within an evolving European legal system and also on the need to draw upon comparative experience. The book not only seeks to place consumer protection in its purely black-letter context but also draws upon wider readings to show that consumer protection law is a complex area of law which reflects and shapes the individual citizen's position within the modern economy.

Consumer Product Guarantees (Hardcover, New Ed): Christian Twigg-Flesner Consumer Product Guarantees (Hardcover, New Ed)
Christian Twigg-Flesner
R3,996 Discovery Miles 39 960 Ships in 12 - 17 working days

This book presents a detailed analysis of the function of consumer product guarantees and the related legal issues. It applies research findings from the fields of consumer complaining behaviour, marketing science and economics to the legal context. Its central argument is that guarantees could be one way of assisting consumers in resolving product quality disputes. Consumers tend to seek to resolve such disputes informally by complaining, rather than by seeking to go through the courts or structured forms of alternative dispute resolution. Such complaints can be supported by encouraging reliance on consumer product guarantees, particularly where consumers also enjoy strong legal rights. With this in mind, the book develops a legal framework for consumer guarantees, which is based on two key principles: fairness and transparency. There then follows an analysis of English and EC provisions on guarantees, as well as of relevant US law. Particular consideration is given to the relationship between consumer guarantees and statutory rights.

The Evolution of Humanitarian Protection in European Law and Practice (Hardcover): Liv Feijen The Evolution of Humanitarian Protection in European Law and Practice (Hardcover)
Liv Feijen
R2,970 Discovery Miles 29 700 Ships in 12 - 17 working days

The last couple of years have witnessed an unprecedented battle within Europe between values and pragmatism, and between states' interests and individuals' rights. This book examines humanitarian considerations and immigration control from two perspectives; one broader and more philosophical, the other more practical. The impetus to show compassion for certain categories of persons with vulnerabilities can depend on religious, philosophical and political thought. Manifestation of this compassion can vary from the notion of a charitable act to aid 'the wretched' in their home country, to humanitarian assistance for the 'distant needy' in foreign lands and, finally, to immigration policies deciding who to admit or expel from the country. The domestic practice of humanitarian protection has increasingly drawn in transnational law through the expansion of the EU acquis on asylum, and the interpretation of the European Court of Human Rights.

Breaking Law (The Return Of) - The Judge's Inside Guide to Your Legal Rights & Winning in Court or Losing Well (Paperback,... Breaking Law (The Return Of) - The Judge's Inside Guide to Your Legal Rights & Winning in Court or Losing Well (Paperback, 2nd edition)
Stephen Gold
R805 Discovery Miles 8 050 Ships in 9 - 15 working days

Breaking Law, a judge's inside guide to everything you need to know about your legal rights is back: bigger, better and bang up to date. Written by Stephen Gold, a civil and family judge, legal broadcaster and journalist, this self-help best-seller has been significantly expanded with over 25 new chapters added to make this a 77 chapter bumper second edition covering even more of the legal problems we may all encounter at some time in our lives. So whoever you are - litigant in person, consumer or business owner and you can even be a professional lawyer or legal trainee to derive benefit from the book - you will find entertaining and enormously practical advice, written in straightforward language, direct from the judge's pen to help you succeed in your dispute - or at least lose well. Been overcharged at a supermarket? Overlooked in a relative's will? Sold duff goods? Sued for repossession by mortgage lender or landlord? Threatened by being left penniless after a divorce? You can find help here. But now in this second edition, you will also be armed to challenge that parking ticket, cope with a speeding or drink-drive prosecution, get your money back on a Covid cancelled holiday, resist excessive service charges from your landlord and much, much more. And Breaking Law Iooks like being the first book available to cover the new no-fault divorce laws that are due to come into force in April 2022. But Stephen does much more than explain rights. He takes you through how to behave in court (including how to cross-examine) whether it's a face-to-face or remote hearing. And the book is full of templates: letters to help you win without a court case; documents you can use if the dispute goes to court; and documents such as the change your name deed, the cohabitation agreement, the pre-nuptial agreement, the anti-gazumping agreement, the no-sex agreement and the longest will in the world from which you can chose who inherits and who doesn't. Throughout, Stephen's advice is illuminated by tales of how his own disputes with a myriad of businesses have gone. No disputes with the twins Ron and Reg Kray, though. He was their lawyer and there's a fascinating account of his professional relationship with them and his discovery of what became of Ron's brain. If you do think you need a lawyer, Stephen provides plenty of ideas of how to get legal advice before handing over any money along with how to source professional help in and out of courts and tribunals for those who cannot afford legal fees (and who can?!). From the moment you get out of bed, you could suddenly find yourself needing this book. So don't wait till the worst happens, get a copy and keep it handy like thousands of others have done over the last five years.

European Consumer Access to Justice Revisited (Paperback): Stefan Wrbka European Consumer Access to Justice Revisited (Paperback)
Stefan Wrbka
R1,183 Discovery Miles 11 830 Ships in 12 - 17 working days

European Consumer Access to Justice Revisited takes into account both procedural and substantive law questions in order to give the term 'access to justice' an enhanced meaning. Specifically, it analyses developments and recent trends in EU consumer law and aims to evaluate their potential for increasing consumer confidence in the cross-border market. Via a critical assessment of the advantages and disadvantages of the means initiated at the EU level, the author highlights possible detriments to the cross-border business-to-consumer (B2C) market. To remedy this, he introduces an alternative method of creating a legal framework that facilitates B2C transactions in the EU - 'access to justice 2.0'.

Green Trade and Fair Trade in and with the EU - Process-based Measures within the EU Legal Order (Paperback): Laurens Ankersmit Green Trade and Fair Trade in and with the EU - Process-based Measures within the EU Legal Order (Paperback)
Laurens Ankersmit
R983 Discovery Miles 9 830 Ships in 12 - 17 working days

This book explores how EU law constrains the freedom of the EU, the Member States, and private bodies to adopt measures that seek to protect social and environmental interests abroad by placing conditions on production processes in other states. The permissibility of such process-based measures has been examined primarily within the World Trade Organization (WTO) context, but the challenges that they present are equally for the EU internal market system. Ankersmit identifies three core challenges posed by process-based measures from an EU law perspective: extraterritoriality, unilateralism and the competitive and democratic problems created by private rule-making. It examines these issues in the context of free movement, competition, public procurement, and EU tax law. This book will appeal to academics, policy makers and practitioners interested in trade and environment, the social impact of trade law, and European and international market regulation.

Bona Fide Purchase of Goods - The Position and Rights of a Bona Fide Purchaser for Value of Goods Improperly Obtained... Bona Fide Purchase of Goods - The Position and Rights of a Bona Fide Purchaser for Value of Goods Improperly Obtained (Paperback)
J. Walter Jones
R833 Discovery Miles 8 330 Ships in 12 - 17 working days

Originally published in 1921, this book presents the content of the Yorke Prize essay for 1918. The text provides a concise discussion of the law regarding the purchase of goods in relation to the area of 'goods improperly obtained'. This book will be of value to anyone with an interest in the British legal system and the history of law.

European Consumer Access to Justice Revisited (Hardcover): Stefan Wrbka European Consumer Access to Justice Revisited (Hardcover)
Stefan Wrbka
R3,266 Discovery Miles 32 660 Ships in 12 - 17 working days

European Consumer Access to Justice Revisited takes into account both procedural and substantive law questions in order to give the term 'access to justice' an enhanced meaning. Specifically, it analyses developments and recent trends in EU consumer law and aims to evaluate their potential for increasing consumer confidence in the cross-border market. Via a critical assessment of the advantages and disadvantages of the means initiated at the EU level, the author highlights possible detriments to the cross-border business-to-consumer (B2C) market. To remedy this, he introduces an alternative method of creating a legal framework that facilitates B2C transactions in the EU - 'access to justice 2.0'.

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