luca what is a court

Answers

Answer 1

Answer:

A court is something that you go in front of to judge if you are guilty of a crime or innocent it is also to determine what your punishment will be for said crime

There are many different types of courts.

Explanation:


Related Questions

Can you sue and win if someone is black mailing you over something illegal you did. If not is there any thing else you can do to take legal action and protect yourself.

Answers

I’m not sure that you’d win the argument as you could possibly face repercussions of the act you did that was illegal...two wrongs won’t make a right basically.

The supreme court on monday rejected an appeal seeking to give american citizenship to people born in which territory?.

Answers

The Supreme Court ruled that he had been unfairly picked out by the police due to his race.Chinese immigrant Lee Yick conducted a laundry business out of a wooden structure in California.

A legislation that was in effect at the time (the end of the 19th century) stated that this type of business could not be operated in a wooden structure without a specific licence. The majority of the laundry facilities were owned by Chinese immigrants, yet this permit was not obtained for them.The Nationality Acts of 1790 and 1870, which stipulate that in order to qualify for US citizenship, a person must either be “white” or a “native American,” were the legal bases on which the US Supreme Court denied US citizenship to Japanese nationals. According to the law of the soil, every person born within the boundaries or within the territories of the United States is immediately granted citizenship, regardless of their background or family history. The law of the soil also grants children the nationality of the country in which they were born, and this is recognized throughout almost all of the world.

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which of the following is a policy that provides benefit and cash payments to those who meet specific requirements 310l

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The policy that provides benefits and cash payments to those who meet specific requirements is Social Security.

Social Security is a government program that offers financial assistance to eligible individuals, such as retirees, disabled persons, and their dependents.

It is designed to provide a safety net for those who are unable to work or have reached a certain age, offering them financial support in the form of monthly payments. These benefits are funded by payroll taxes paid by both employees and employers during the individual's working years.
Social Security is the policy that meets the criteria of providing benefits and cash payments to individuals who fulfill specific requirements, ensuring a basic level of financial support for those in need.

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Scarlett and Mark want to lease an apartment from Connor for a year. Connor first agrees, but upon finding that they have two small children, refuses to lease them his apartment. Is Connor's refusal legal?

Answers

Answer:

Yes

Explanation:

Cuz Connor is the land owner he has the right to say rather or not he wants children in his apartment.

You are the legal advisor of a big advertising company, Clooney Ideas. They have a lot of clients and every month you get various Television Commercials (TVCs) ideas from the art director and concept writers to analyze and give legal clearance. This month the following concepts / idea were presented to you:

Idea # 1 (Japan Chai)

The TVC will show a skinny (thin) person fighting a wrestling match (kushti) at a village in interior Punjab. He is foiled miserably by his opponent (a big pahalwan). The skinny person is then approached by his friend who says “Japan cha sumo wrestler ki pehchan!” The skinny person has the tea and then immediately becomes a big fat sumo wrestler (like Yokozuna). In the next round he thrashes his opponent and wins. He is hailed by everyone in the village. In the last scene the skinny person says “Tussi bhi piyo! Sumo wrestler na banay to Rs. 1000 inam!”

Idea # 2 (Awami insect killer)

A person (famous cricketer Zameer Akram) is shown being bitten by mosquitos. He goes to a doctor and tells him that for some reason mosquitos love him. The doctor (who is the famous hero Fahad Khan wearing a lab coat) says, “Hum nay Awami insect spray, dus (10) patients per kiya, or 100% positive result raha!” In the next scene Zameer Akram is shown playing a night cricket match and all mosquitoes near him are falling dead immediately, a batsman who is about to face him also runs for his life like a mosquito. In the end Zameer Akram is shown holding Awami insect killer and saying “Awami mein hai Awam ki power!”

You are separately told by the makers of Awami insect killer that the 100% success rate is based on lab conditions i.e. the patients were exposed to rare breed of mosquitos found in Africa only. The spray will have very little effect on mosquitos found in Pakistan.

Idea # 3 (Dosti chewing gum)

A group of 6 friends will be shown in the first scene who are sitting idle and getting bored in a university. All of a sudden one of the friends pops out a box of dosti chewing gum and gives it to all of them. After eating the chewing gum, all of them get energized, start to run around, three friends are shown flying in the sky with wings. One of them is riding a flying horse. Two of the friends are shown getting on a rocket and flying to space. In the last scene all friends shout collectively “Dosti chewing gum is so friendly!”

Idea 4 (Afridi whitening cream)

In the first scene, three African Americans are shown trying to give trials for the Chinese basketball team. However, due to their skin tone they are rejected despite having exceptional skills. They go home depressed.

In the next scene their Pakistani friend comes to their place and says “You can be as fair as me, apply Afridi whitening cream for 30 days, if you don’t become fair, you three can win a ticket to Hawaii”

The three basket players are then shown using the Afridi whitening cream and growing fairer each day. Eventually all three of them turn into famous, Pakistani actors. They appear for basketball trials again and are selected for the Chinese team.

At the end of the TVC a voice over says, “Afridi whitening cream, world’s number 1 whitening cream”



Q-1 Discuss the legal implication for each of the above ideas. In particular, which ideas (from a legal perspective) are the best and the worst?



Q-2 Please elaborate how will you change the ideas to cover the legal risks involved.​

Answers

Answer:

You are the legal advisor of a big advertising company, Clooney Ideas. They have a lot of clients and every month you get various Television Commercials (TVCs) ideas from the art director and concept writers to analyze and give legal clearance. This month the following concepts / idea were presented to you:

Idea # 1 (Japan Chai)

The TVC will show a skinny (thin) person fighting a wrestling match (kushti) at a village in interior Punjab. He is foiled miserably by his opponent (a big pahalwan). The skinny person is then approached by his friend who says “Japan cha sumo wrestler ki pehchan!” The skinny person has the tea and then immediately becomes a big fat sumo wrestler (like Yokozuna). In the next round he thrashes his opponent and wins. He is hailed by everyone in the village. In the last scene the skinny person says “Tussi bhi piyo! Sumo wrestler na banay to Rs. 1000 inam!”

Idea # 2 (Awami insect killer)

A person (famous cricketer Zameer Akram) is shown being bitten by mosquitos. He goes to a doctor and tells him that for some reason mosquitos love him. The doctor (who is the famous hero Fahad Khan wearing a lab coat) says, “Hum nay Awami insect spray, dus (10) patients per kiya, or 100% positive result raha!” In the next scene Zameer Akram is shown playing a night cricket match and all mosquitoes near him are falling dead immediately, a batsman who is about to face him also runs for his life like a mosquito. In the end Zameer Akram is shown holding Awami insect killer and saying “Awami mein hai Awam ki power!”

You are separately told by the makers of Awami insect killer that the 100% success rate is based on lab conditions i.e. the patients were exposed to rare breed of mosquitos found in Africa only. The spray will have very little effect on mosquitos found in Pakistan.

Idea # 3 (Dosti chewing gum)

A group of 6 friends will be shown in the first scene who are sitting idle and getting bored in a university. All of a sudden one of the friends pops out a box of dosti chewing gum and gives it to all of them. After eating the chewing gum, all of them get energized, start to run around, three friends are shown flying in the sky with wings. One of them is riding a flying horse. Two of the friends are shown getting on a rocket and flying to space. In the last scene all friends shout collectively “Dosti chewing gum is so friendly!”

Idea 4 (Afridi whitening cream)

In the first scene, three African Americans are shown trying to give trials for the Chinese basketball team. However, due to their skin tone they are rejected despite having exceptional skills. They go home depressed.

In the next scene their Pakistani friend comes to their place and says “You can be as fair as me, apply Afridi whitening cream for 30 days, if you don’t become fair, you three can win a ticket to Hawaii”

The three basket players are then shown using the Afridi whitening cream and growing fairer each day. Eventually all three of them turn into famous, Pakistani actors. They appear for basketball trials again and are selected for the Chinese team.

At the end of the TVC a voice over says, “Afridi whitening cream, world’s number 1 whitening cream”

Q-1 Discuss the legal implication for each of the above ideas. In particular, which ideas (from a legal perspective) are the best and the worst?

Q-2 Please elaborate how will you change the ideas to cover the legal risks involved.

which standard asks a judge to weigh the strength of the case by determining whether the prosecution has presented enough evidence at a preliminary hearing that could be sent to a jury at a real trial

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The standard that asks a judge to weigh the strength of the case by determining whether the prosecution has presented enough evidence at a preliminary hearing that could be sent to a jury at a real trial is called the probable cause standard.

Probable cause is a legal standard that requires a judge to determine if there is enough evidence in the prosecutor's case to justify proceeding to trial. At a preliminary hearing, a judge is asked to weigh the strength of the case by determining whether the prosecution has presented enough evidence that could be sent to a jury at a real trial.

A probable cause hearing is a preliminary hearing in which the prosecutor presents evidence to the judge to establish that there is enough evidence to support a reasonable belief that a crime was committed by the defendant. It is important to note that the probable cause standard is not a high standard, but rather, it is a low standard that is only meant to establish that there is enough evidence to support a reasonable belief that a crime was committed.

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The legal position in real.estate
that the state owns and controls all bodies of water is known as the what?

Answers

Answer:

Doctrine of Prior Appropriation

Explanation:

this position requires that property owners obtain permits for use of water.

Examine the role of collective bargaining in achieving the fair Collective Labour Agreement (CLA) which benefits both the employer and employees/ worker in Sultanate of Oman. Justify your answer with a suitable case study pertaining to International Labour organization.

Answers

Collective bargaining plays a crucial role in achieving fair Collective Labour Agreements (CLAs) that benefit both employers and workers in the Sultanate of Oman.

Collective bargaining aids in establishing fair wages, working conditions and benefits by enabling employees to bargain with employers. The work done in Oman by the International Labour Organization (ILO) and the General Federation of Bahrain Trade Unions (GFBTU) is a noteworthy case study illustrating the value of collective bargaining.

The GFBTU successfully negotiated for better pay, more favorable working conditions and increased job security for employees across a range of industries through collective bargaining. This situation serves as an example of how collective bargaining can encourage an equitable and cooperative relationship between employers and employees ensuring fair results and fostering a positive work environment in Oman.

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17 YR old dependent receives income from trust of $1,000. Select one: a. Yes b. No

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Yes, a 17-year-old dependent would receive income from a trust of $1,000. However, the income generated from the trust would be subject to tax laws, and the tax liability would depend on the specific details of the trust, such as the type of trust, the terms of the trust, and the source of the income.

What is an income trust?

An income trust is a type of investment trust that holds assets that generate income. Income trusts are either personal investment funds or commercial trusts with publicly traded closed-end fund shares.

Additionally, the income may be subject to the "kiddie tax" which taxes the unearned income of a child at the parent's tax rate if the child is under age 19 or a full-time student under age 24. It is best to consult a tax professional or accountant to determine the specific tax implications in this situation.

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Imagine that you have just been hired as a correctional officer. Your supervising officer has asked you to be on the lookout for contraband. What might you be looking for?

A.
incoming inmates

B.
contact forms

C.
illegal items

D.
commissary items

Answers

The answer is C. Anything not allowed/illegal is contraband

Your supervising officer has asked you to be on the lookout for contraband. That  might you be looking for illegal items. The correct option is (C).

What do you mean by the correctional officer?

An individual who works as a prison guard is known as a corrections officer.

A prison officer, also known as a corrections officer, is a uniformed member of law enforcement who is in charge of maintaining the safety, custody, and discipline of prisoners.

They are in charge of the care, custody, and supervision of those who have been found guilty of a crime and given prison sentences.

Along with other law enforcement duties, they are in charge of the facility's and its property's protection.

Although some are employed by private organizations that provide jail services to the government, the majority of prison officers or corrections officers are employed by the government of the jurisdiction in which they work.

Therefore, your supervising officer has asked you to be on the lookout for contraband. That  might you be looking for illegal items.

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do all tax credit properties fall under section 504 regulations

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No, not all tax credit properties fall under Section 504 regulations. Section 504 of the Rehabilitation Act of 1973 applies to all programs and activities receiving federal financial assistance, including HUD-assisted housing programs such as public housing and Section 8.

Tax credit properties are subject to different regulations and requirements under the Low Income Housing Tax Credit (LIHTC) program, which is administered by the Internal Revenue Service (IRS) and the state housing finance agencies (HFAs).

While LIHTC properties are required to comply with certain accessibility and design standards, they may not necessarily be subject to the same requirements as Section 504. However, LIHTC properties are still subject to fair housing laws and regulations, which prohibit discrimination against individuals with disabilities.

Tax credit properties, on the other hand, are privately owned and operated affordable housing developments that receive federal tax credits in exchange for agreeing to set aside a certain number of units for low-income households. While many tax credit properties may receive other forms of federal financial assistance, not all of them do.

That being said, even if a tax credit property does not receive federal financial assistance, it is still required to comply with state and local laws regarding accessibility and accommodation for people with disabilities. In addition, some states and localities may have their own regulations that require tax credit properties to comply with Section 504 standards.

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what is medicare power of attorney

Answers

Answer:

A medical POA is a durable power of attorney for healthcare. ... This allows an agent (a trusted friend or family member) to make important and necessary healthcare decisions if the individual becomes incapacitated or unable to communicate or participate in care.

Answer:

A medical power of attorney or medical POA is a durable power of attorney for healthcare.

Explanation:

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Lilac~

Which of the following is a valid critique of labeling theory?

Answers

One valid critique of labeling theory is that it neglects individual agency and responsibility by attributing deviant behavior solely to external labels and societal reactions.

Labeling theory posits that individuals become deviant as a result of being labeled as such by society. This critique argues that the theory overlooks the role of individual agency and personal responsibility in deviant behavior.

While labeling theory emphasizes the societal reaction to individuals, it tends to downplay or disregard the individual's own choices and actions.

Critics argue that focusing solely on external labels and societal reactions overlooks the internal factors and personal motivations that may contribute to deviant behavior.

It fails to account for the complex interplay between individual choices, personal values, and social context in shaping behavior.

Furthermore, this critique suggests that labeling theory can lead to a deterministic perspective, where individuals are seen as passive recipients of societal labels, thereby diminishing their capacity for personal agency and change.

It is essential to consider both the social context and individual agency when examining deviant behavior, as a comprehensive understanding requires recognizing the reciprocal influence between society and individuals.

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A consumer filed a products liability action against a manufacturer in federal district court based on diversity jurisdiction. Prior to trial, the manufacturer filed a motion in limine to exclude testimony by an expert on the consumer's witness list on the grounds that it was based on subjective belief and unsupported speculation. After holding a hearing, the judge granted the manufacturer's motion. Because of this ruling and the consumer's inability to produce other evidence in support of her case, the judge granted the manufacturer's subsequent motion for summary judgment. The consumer appealed the judgment, contending that the district court judge had erroneously excluded the testimony of the consumer's expert.
In reviewing this challenge to the trial court's ruling, what standard should the appellate court apply?
Abuse of discretion, because the judge had made an evidentiary ruling.
Absence of a genuine dispute and entitlement to judgment as a matter of law, because the ruling affected the summary judgment motion.
A preponderance of the evidence, because the ruling was outcome determinative.
Clearly erroneous, because the ruling was made by the judge.

Answers

According to the choices of alternatives provided above, it may be stated that the standard of abuse of discretion should be applied by the appellate court in the review of the challenge to the trial court's ruling being made. Therefore, the option A holds true.

The abuse of discretion may be taken into interpretation as the breach of law wherein an individual misuses the power of discretion in his or her hands, in order to use them for gaining personal benefits, or with the primary intentions of a guilty mind being portrayed by the user.

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when an individual buys insurance under a threat made by producer a violation has occurred under the _____

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When an individual buys insurance under a threat made by the producer, a violation has occurred under the "coercion" practice.

When an individual buys insurance under a threat made by the producer, a violation has occurred under the insurance laws and regulations. This is known as coercion, which is considered unethical and illegal in the insurance industry. Coercion occurs when an insurance producer uses threats or intimidation to persuade a potential policyholder to purchase an insurance policy. The producer may threaten to withhold payment, cancel coverage, or refuse to provide future coverage if the potential policyholder does not agree to purchase a policy. Coercion is a serious violation of insurance laws and can result in fines, license revocation, and other penalties. It is important for policyholders to be aware of their rights and not to be pressured into purchasing insurance policies. If you suspect that you have been a victim of coercion, it is important to contact your state insurance regulator to report the violation.

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You are a lieutenant assigned to the Planning and Research Unit for the Los Angeles Police Department. You have been tasked by your captain to study and research the future of your agency and present a plan for where the department should be in five, ten, and twenty years.

Your department has experienced budget cuts over the last five years, resulting in a 20% reduction in line personnel, and the elimination of several proactive special units and the Community Policing Unit.

What will your department look like in five, ten, and twenty years?
Why have you made these decisions?
What must your department do to recoup the losses in personnel?
How will your hiring practices change to meet the different workforce-facing law enforcement?

i need it by today answered

Answers

Introduction The Planning and Research Unit for the Los Angeles Police Department has been given the responsibility of researching and planning for the future of the department. In the last five years, the department has had budget cuts that have caused a 20% reduction in line personnel.

Several special units and the Community Policing Unit have also been eliminated. In this essay, we will look at how the department will look like in the next five, ten, and twenty years and the decisions that were made. We will also look at what the department must do to recover the losses in personnel and how the hiring practices will change to meet the different workforce-facing law enforcement.  

What will the department look like in the next five, ten, and twenty years?In the next five years, the department will face more budget cuts. This means that there will be a further reduction in line personnel.

The department will have to eliminate more special units and programs to save costs. In ten years, the department may face a shortage of personnel. This is because the number of qualified candidates may not be enough to fill the gaps left by the retiring officers.

In twenty years, the department will have to deal with a workforce that is younger and more diverse. This means that the department will have to change its recruitment policies to attract the best candidates from different backgrounds. Why were these decisions made? The decisions were made to save costs.

The budget cuts meant that the department had to find ways to save money. Eliminating some of the special units and programs was one way of reducing costs.

The reduction in line personnel was also a way of saving costs. The department had to let go of some of the officers to stay within the budget. What must the department do to recoup the losses in personnel?

To recoup the losses in personnel, the department needs to come up with ways of attracting more qualified candidates. This means that the department needs to change its recruitment policies. The department needs to attract more candidates from different backgrounds. This will help to create a more diverse workforce.

How will the hiring practices change to meet the different workforce-facing law enforcement?The hiring practices will change to meet the different workforce-facing law enforcement by becoming more inclusive. The department needs to attract more candidates from different backgrounds.

The department also needs to change the recruitment policies to ensure that there are no biases in the hiring process. The department needs to create a more diverse workforce that reflects the communities it serves.

The department should also invest in training and development to equip the new recruits with the necessary skills to handle the changing nature of law enforcement.

In conclusion, the Los Angeles Police Department needs to come up with ways of dealing with the budget cuts and the reduction in line personnel. The department needs to attract more qualified candidates from different backgrounds to create a more diverse workforce.

The department should also invest in training and development to equip the new recruits with the necessary skills to handle the changing nature of law enforcement.

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What is the name given to the first clause of a will in which the testator sets forth his or her name and domicile and states that he revokes all previous wills and codicils made by him or her?

Answers

Answer:

exordium clause OR publication clause

Explanation:

describtion of this clause:

The introductory paragraph setting out the full name and domincile of the testator and stating that they revoke all previous wills and codicils made at an earlier time.

Explain the major factors that go into how judges make decisions in their cases.

Answers

The major factors that go into how judges make decisions in their cases. are

"direct influences," which include things like legal and political experiences."indirect and distant impacts," which include things like broad legal and political.

What is a Judge?

Generally, A judge is an individual who presides over the proceedings that take place in a court of law, either on their own or as a member of a panel of judges.

The judge will listen to all of the witnesses as well as any additional evidence that may be provided by the prosecution or the defense. On the basis of the evidence that has been provided as well as in compliance with the law, the judge will make a determination as to whether or not the accused individual is guilty. In the event that the accused is found guilty, the court will subsequently impose the appropriate penalty.

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Which of the following is true concerning criminal law and tort law

Answers

the answer is the right of enforcement belongs to the state

You and a friend are under age, walking down the street with an open container of beer. You are arrested for “Minor in Possession." The police never advised you of your rights. Can you have the charges thrown out?

Answers

No you may not have the charges that have been placed on you thrown out.

Minor in Possession

This clause already establishes that just being caught with alcoholic beverages was illegal for the people that are considered minors.

When such a person purchases, consumes and are found in possession of these items, they are considered to have committed an illegal act.

Therefore even though you were not advised of your rights, you are still considered to have violated a law.

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revocation of acceptance is not effective until notice is given to the seller or lessor. T/F

Answers

True. The UCC grants the buyer or lessee the right to revoke acceptance if they discover a defect in the goods that substantially impairs their value and the defect was not discoverable upon reasonable inspection.

However, the right to revoke acceptance is not automatic and must be exercised in accordance with the provisions of the UCC. One of these provisions is that revocation of acceptance is not effective until notice is given to the seller or lessor.

The notice must be given within a reasonable time after the buyer or lessee discovers or should have discovered the defect and before any substantial change occurs in the condition of the goods that is not caused by their own defects. If the buyer or lessee fails to give notice within a reasonable time, their right to revoke acceptance is lost, and they are deemed to have accepted the goods.

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Once an amendment is formally proposed, how long do the states have to ratify it?

Answers

Answer:

Once an amendment is formally proposed, how long do the states have to ratify it?

7 years

Having to do all the work is an example of a(n)
A. disadvantage to society of using authority
B. disadvantage to the user of using authority
C. advantage to society of using authority
D. advantage to the user of using authority

Answers

Answer:

A

Explanation:

, Studio GFF hid your b ok gift but no you don't need to

The Legislative Branch of the United States is NOT entrusted with which of the powers listed below?

Answers

It should be: Command of the Armed Forces is the right answer

What was the law or issue in Miranda V. Arizona case

Answers

Answer:

The Supreme Court ruled that a defendant's statements to authorities are inadmissible in court unless he has been informed of his right to have an attorney present during questioning and an understanding that anything he says will be held against him in a court of law.

ASSIGNMENT
Frank lives and works in a city. He owns numerous tracts of land in a county outside the city where he hunts and fishes. Mike, who has never met Frank, starts living in a cabin in a remote section of Frank's land. At first Mike just stayed on the week-ends, but for the last 22 years he has made the cabin his home and made improvements to it. Mike now claims the cabin and surrounding area he possesses is his property.

Explain what factors represent each element of adverse possession. Will Mike get title to the land?

Answers

The 22 years, without interruption, that Mike used Frank's land and the fact that Frank did not claim or oppose it establish the elements of possession and time of adverse possession. The fact that Mike gave a function to the used land represents the element called the skillful thing of adverse possession.

Milke will obtain title to the land.

How to explain the elements of adverse possession?Skillful thing: Mik gave a social function to a land that had potential but was not being used.Time: Make spent a lot of time without an interruption in this land.Ownership: Frank, as the owner of the land, has not claimed ownership in 22 years.

Adverse possession is a legal way of acquiring the property rights of a private asset that has been without social function for a long time.

In this case, to establish adverse possession on a piece of land, someone must invade some privately owned land, build a residence and live there for many years uninterrupted.

Furthermore, the legal owner of these lands must not claim them during these years, allowing another individual to continue using them for a long time.

Adverse possession is a way to avoid the accumulation of properties, mainly those that have no function and are not used by their owners.

Although adverse possession is a legal system, it does not apply to public goods, as the law considers that these goods belong to the entire community and are used by it in different ways.

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What is 9 + 10 I need it like I’m falling law plz help

Answers

Answer:

9+10 is 19

Explanation:

take 9 and add 10 and you have 19.

IF YOU BECOME ANGRY OR UPSET, YOU SHOULD: A. Control your emotions while driving B. Park the car and "cool down" before driving on C. Speed up so you can reach your final destination faster

Answers

Answer:

B. park the car and cool down

Explanation:

IF YOU BECOME ANGRY OR UPSET, YOU SHOULD control your emotions while driving. The correct option is a.

For the sake of your safety and the safety of other road users, it is crucial to maintain composure when you become angry or upset while driving. Allowing frustration or anger to influence your driving can result in aggressive behavior and sloppy judgment, which raises the possibility of accidents.

Instead, it's crucial to maintain your composure. Breathe deeply, keep your eyes on the road, and keep a positive attitude. If necessary you can also put stress relieving techniques into action while driving, such as relaxing music or breathing exercises.

In order to get where you're going faster, driving while angry or upset is neither safe nor responsible. It can result in careless driving and raise the risk of collisions. Always put safety first and keep your emotions under control when operating a vehicle.

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What is the Purpose, Intent and Principles in Privacy policy?

Answers

Answer:

The aim of a privacy policy is to protect individuals and organizations from data protection and privacy violations.

Insurance is the transfer of what

Answers

Answer:

The transfer of risk is an essential tenant of insurance contracts. When you purchase an insurance policy, the insurance company will agree to indemnify you for a certain amount of loss in exchange for your payment of a set premium

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