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% Document Info
\author{o1510}
\pdfinfo{
  /Title (ch1-10.pdf)
  /Creator (Cheatography)
  /Author (o1510)
  /Subject (ch1-10 Cheat Sheet)
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    {\parbox{\dimexpr\textwidth-2\fboxsep\relax}{\noindent
        \hspace*{-6pt}\includegraphics[width=5.8cm]{/web/www.cheatography.com/public/images/cheatography_logo.pdf}}
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\columnbreak
\begin{tabulary}{11cm}{L}
    \vspace{-2pt}\large{\bf{\textcolor{DarkBackground}{\textrm{ch1-10 Cheat Sheet}}}} \\
    \normalsize{by \textcolor{DarkBackground}{o1510} via \textcolor{DarkBackground}{\uline{cheatography.com/32658/cs/10089/}}}
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  \mymulticolumn{2}{p{5.377cm}}{\bf\textcolor{white}{Cheatographer}}  \\
  \vspace{-2pt}o1510 \\
  \uline{cheatography.com/o1510} \\
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  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Cheat Sheet}}  \\
   \vspace{-2pt}Not Yet Published.\\
   Updated 7th December, 2016.\\
   Page {\thepage} of \pageref{LastPage}.
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  %\includegraphics[width=48px,height=48px]{dave.jpeg}
  Measure your website readability!\\
  www.readability-score.com
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\begin{multicols*}{3}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{CH2}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Occupiers Liability Act} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Duty of Care: Children -\textgreater{} Invitee (economic interest) -\textgreater{} Licensee -\textgreater{} Trespasser (can still sue)} \tn 
% Row Count 3 (+ 2)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{- owes reasonable standard of care} \tn 
% Row Count 4 (+ 1)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{- more than 1 occupier, less duty to trespasser} \tn 
% Row Count 5 (+ 1)
% Row 4
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{- OLA made changes to common law} \tn 
% Row Count 6 (+ 1)
% Row 5
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{- does not extend to risks willingly assumed by visitors} \tn 
% Row Count 8 (+ 2)
% Row 6
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{- duty of care applies to: condition, activities, 3rd party conduct: on premises} \tn 
% Row Count 10 (+ 2)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{1.34379 cm} x{3.63321 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{CH25}}  \tn
% Row 0
\SetRowColor{LightBackground}
\seqsplit{promotional} mix & personal selling, advertising, public relations, sales promotion \tn 
% Row Count 3 (+ 3)
% Row 1
\SetRowColor{white}
Marketing mix & product, place, price, promotion \tn 
% Row Count 5 (+ 2)
% Row 2
\SetRowColor{LightBackground}
SMART mix & Specific, Measureable, Agreed upon, Realistic, Timeline attached \tn 
% Row Count 8 (+ 3)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{2.14011 cm} x{2.83689 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{CH21-23}}  \tn
% Row 0
\SetRowColor{LightBackground}
Purchased after taxes & purchaser include sale date to dec31 \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
Taxes to be paid in the future & purchaser pays entire amount, returns up to before purchase date to vendor \tn 
% Row Count 6 (+ 4)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{1.74195 cm} x{3.23505 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{CH21-23}}  \tn
% Row 0
\SetRowColor{LightBackground}
Comparative Method & substitution, arms length, recent - stable conditions, similar - factors buyers/sellers \tn 
% Row Count 4 (+ 4)
% Row 1
\SetRowColor{white}
rating grid & subject property be the basis and all comparables adjusted to it \tn 
% Row Count 7 (+ 3)
% Row 2
\SetRowColor{LightBackground}
Cost Method & unusual/unique, last resort \tn 
% Row Count 9 (+ 2)
% Row 3
\SetRowColor{white}
infrequency of use: & the assumption that cost equals value is not necessarily correct \tn 
% Row Count 12 (+ 3)
% Row 4
\SetRowColor{LightBackground}
 & note: land does not depreciate \tn 
% Row Count 14 (+ 2)
% Row 5
\SetRowColor{white}
Market Value & cost of improvement - depreciation + land value \tn 
% Row Count 16 (+ 2)
% Row 6
\SetRowColor{LightBackground}
Improvements based on: & current cost/modern equivalent \tn 
% Row Count 18 (+ 2)
% Row 7
\SetRowColor{white}
Curable Physical & can be fixed \tn 
% Row Count 20 (+ 2)
% Row 8
\SetRowColor{LightBackground}
Curable Functional & can be replaced cost effectively (ie bathroom fixtures) \tn 
% Row Count 23 (+ 3)
% Row 9
\SetRowColor{white}
Incurable Physical & cannot be fixed economically (foundation) \tn 
% Row Count 25 (+ 2)
% Row 10
\SetRowColor{LightBackground}
Incurable Functional & ie. narrow floor plan \tn 
% Row Count 27 (+ 2)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
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\begin{tabularx}{5.377cm}{x{1.89126 cm} x{3.08574 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{CH19}}  \tn
% Row 0
\SetRowColor{LightBackground}
Who Pays Property Taxes & fee simple owner, owner of a life estate, owner of an agreement for sale \tn 
% Row Count 3 (+ 3)
% Row 1
\SetRowColor{white}
 & Charities not exempt, NOT be liable for lease \tn 
% Row Count 5 (+ 2)
% Row 2
\SetRowColor{LightBackground}
Exemptions from taxation: & crown properties, uni's, cemeteries, some farms, municipal properties, school, indian lands, hospitals \tn 
% Row Count 10 (+ 5)
% Row 3
\SetRowColor{white}
Home Owner Grant & only the owner/occupier of the property is eligible \tn 
% Row Count 13 (+ 3)
% Row 4
\SetRowColor{LightBackground}
General Rate & (small/big)x1000 \tn 
% Row Count 14 (+ 1)
% Row 5
\SetRowColor{white}
Real Property Tax & (tax rate x Property Value\$)/1000 \tn 
% Row Count 16 (+ 2)
% Row 6
\SetRowColor{LightBackground}
Tax Deferral & widow/widower, 55 years or older, permanently disabled \tn 
% Row Count 19 (+ 3)
% Row 7
\SetRowColor{white}
Assessment Apeals & Property A. Rev. Pan -\textgreater{} PAApp. Board -\textgreater{} Supreme Court of BC -\textgreater{} Court of Appeal \tn 
% Row Count 23 (+ 4)
% Row 8
\SetRowColor{LightBackground}
Mill Rate & rate of tax per \$1000 of net taxable value \tn 
% Row Count 25 (+ 2)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
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\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{CH18}}  \tn
% Row 0
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Federal & Airports, Oceans, Seaports, Railways, Fisheries, has NO interest in land between individuals \tn 
% Row Count 3 (+ 3)
% Row 1
\SetRowColor{white}
\seqsplit{Provincial} & Agricultural Land Commission: can exclude, subdivide, pass regulations, allow non-farm use BUT can NOT add more land to it \tn 
% Row Count 7 (+ 4)
% Row 2
\SetRowColor{LightBackground}
Local & Municipal Subdivision of the land, Building regulations, land use zoning, regional, local Improvement \tn 
% Row Count 11 (+ 4)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
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\begin{tabularx}{5.377cm}{x{1.74195 cm} x{3.23505 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{CH15}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{Contractual Clauses apply when the borrower defaults} \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
Acceleration & maturity date of the loan is pushed forward and lender demands to be paid out in full \tn 
% Row Count 6 (+ 4)
% Row 2
\SetRowColor{LightBackground}
Omnibus & in default of payment the lender will do the payment and it will be added to the loan \tn 
% Row Count 10 (+ 4)
% Row 3
\SetRowColor{white}
Lender's Remedies & this gives lender complete discretion to choose most suitable remedy \tn 
% Row Count 13 (+ 3)
% Row 4
\SetRowColor{LightBackground}
Mortgage in Possession & foreclosure \tn 
% Row Count 15 (+ 2)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
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\begin{tabularx}{5.377cm}{x{1.44333 cm} x{3.53367 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{CH12}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{Types of real estate agency contracts} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\mymulticolumn{2}{x{5.377cm}}{Exclusive Listing} \tn 
% Row Count 2 (+ 1)
% Row 2
\SetRowColor{LightBackground}
 & an exclusive right to sell for a specific period of time \tn 
% Row Count 4 (+ 2)
% Row 3
\SetRowColor{white}
 & if the owner sells himself, must still pay commission \tn 
% Row Count 6 (+ 2)
% Row 4
\SetRowColor{LightBackground}
 & If the owner uses 2nd agent to sell his property, two commissions could be payable \tn 
% Row Count 9 (+ 3)
% Row 5
\SetRowColor{white}
Multiple Listing & (office/brokerage listing) \tn 
% Row Count 11 (+ 2)
% Row 6
\SetRowColor{LightBackground}
 & Exclusive right to sell \tn 
% Row Count 12 (+ 1)
% Row 7
\SetRowColor{white}
 & Listing must be distributed to all members of the real estate board and placed on MLS \tn 
% Row Count 16 (+ 4)
% Row 8
\SetRowColor{LightBackground}
 & Not valid unless: signed, in writing and true copy has been delivered to all owners, has provision that it will expire on the certain date \tn 
% Row Count 21 (+ 5)
% Row 9
\SetRowColor{white}
\mymulticolumn{2}{x{5.377cm}}{Open Listing} \tn 
% Row Count 22 (+ 1)
% Row 10
\SetRowColor{LightBackground}
 & The owner may employ a number of agents to find the purchaser \tn 
% Row Count 25 (+ 3)
% Row 11
\SetRowColor{white}
 & A commission is paid to the agent who is the effective cause of the sale \tn 
% Row Count 28 (+ 3)
% Row 12
\SetRowColor{LightBackground}
 & Owner can sell as well and no commission would be payable(usually commercial listings) \tn 
% Row Count 32 (+ 4)
\end{tabularx}
\par\addvspace{1.3em}

\vfill
\columnbreak
\begin{tabularx}{5.377cm}{x{1.44333 cm} x{3.53367 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{CH12 (cont)}}  \tn
% Row 13
\SetRowColor{LightBackground}
 & Brokerage promises to use best efforts to locate a ready, willing and able purchaser \tn 
% Row Count 3 (+ 3)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{1.44333 cm} x{3.53367 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{CH12: Negotiations}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{Nature of effective negotiation} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
 & both parties satisfied at conclusion, efficiency of negotiation, creative division for full value, preservation of relationship, minimal wasted resources \tn 
% Row Count 7 (+ 6)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{} \tn 
% Row Count 7 (+ 0)
% Row 3
\SetRowColor{white}
\mymulticolumn{2}{x{5.377cm}}{Preparation principles} \tn 
% Row Count 8 (+ 1)
% Row 4
\SetRowColor{LightBackground}
 & stay away from zero-sum, find creative solutions, don't go back and forth, make concessions when necessary \tn 
% Row Count 12 (+ 4)
% Row 5
\SetRowColor{white}
Interest & focus. ie: find a house before school starts \tn 
% Row Count 14 (+ 2)
% Row 6
\SetRowColor{LightBackground}
Positions & close the deal by date \tn 
% Row Count 15 (+ 1)
% Row 7
\SetRowColor{white}
Anchoring Effect & a psychological phenomenon whereby negotiators make insufficient adjustments away from stated number \tn 
% Row Count 19 (+ 4)
% Row 8
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{Dirty Tactics} \tn 
% Row Count 20 (+ 1)
% Row 9
\SetRowColor{white}
 & recognize dirty tactic and and explicitly raise the issue with the other party \tn 
% Row Count 23 (+ 3)
% Row 10
\SetRowColor{LightBackground}
 & question it and argue against it \tn 
% Row Count 25 (+ 2)
% Row 11
\SetRowColor{white}
 & naming out loud \tn 
% Row Count 26 (+ 1)
% Row 12
\SetRowColor{LightBackground}
 & remain non emotional and focus on problem with the eye toward mutual resolution \tn 
% Row Count 29 (+ 3)
% Row 13
\SetRowColor{white}
 & do not personally attack the other party \tn 
% Row Count 31 (+ 2)
\end{tabularx}
\par\addvspace{1.3em}

\vfill
\columnbreak
\begin{tabularx}{5.377cm}{x{1.44333 cm} x{3.53367 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{CH12: Negotiations (cont)}}  \tn
% Row 14
\SetRowColor{LightBackground}
 & take a break until such behaviour stops \tn 
% Row Count 2 (+ 2)
% Row 15
\SetRowColor{white}
\mymulticolumn{2}{x{5.377cm}}{What NOT to do (dirty tactics)} \tn 
% Row Count 3 (+ 1)
% Row 16
\SetRowColor{LightBackground}
 & respond in kind, put up with it, ignore, make insults regarding a persons nature \tn 
% Row Count 6 (+ 3)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{CH2}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{a person appointed by a partnership/corporation to represent it for all purposes under RESA: Managing broker} \tn 
% Row Count 3 (+ 3)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Managing Broker: 2 yrs licensed experience + licensing qualifications} \tn 
% Row Count 5 (+ 2)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Licensing qualifications: at least 19 years old, good reputation} \tn 
% Row Count 7 (+ 2)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Council: enforces, knowledge, licensing, investigations, 16 members} \tn 
% Row Count 9 (+ 2)
% Row 4
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Foundation: Law reform, Minister of Finance +4, education/research, interest payable on trusts} \tn 
% Row Count 11 (+ 2)
% Row 5
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{E+OM Corp: assessments on licensees, insurance} \tn 
% Row Count 12 (+ 1)
% Row 6
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{VOLUNTARY} \tn 
% Row Count 13 (+ 1)
% Row 7
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{BC real estate association - PR} \tn 
% Row Count 14 (+ 1)
% Row 8
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{11 real estate boards: MLS, MLS access} \tn 
% Row Count 15 (+ 1)
% Row 9
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{RE Institute: advanced education} \tn 
% Row Count 16 (+ 1)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{1.94103 cm} x{3.03597 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{CH8}}  \tn
% Row 0
\SetRowColor{LightBackground}
Balance Sheet: & \seqsplit{Assets/Liabilities/Equity} \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
 & note: purchase of assets by the business does not affect the owners equity \tn 
% Row Count 6 (+ 4)
% Row 2
\SetRowColor{LightBackground}
Income: & revenue - expenses = net \tn 
% Row Count 7 (+ 1)
% Row 3
\SetRowColor{white}
Straight line depreciation & (cost - salvage life) / est. life \tn 
% Row Count 9 (+ 2)
% Row 4
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{CCA  is deductible} \tn 
% Row Count 10 (+ 1)
% Row 5
\SetRowColor{white}
Book value & original - depreciation \tn 
% Row Count 11 (+ 1)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{1.54287 cm} x{3.43413 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{CH12: Law of Agency}}  \tn
% Row 0
\SetRowColor{LightBackground}
Agent & has authority to represent and act on behalf of another person. Any person of sound mind can act as an agent. Not a party to the contract - does NOT need capacity \tn 
% Row Count 6 (+ 6)
% Row 1
\SetRowColor{white}
 & anyone in BC acting as an agent in relation to the provision of real estate services MUST BE LICENSED under the RESA \tn 
% Row Count 11 (+ 5)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{Agency Relationship} \tn 
% Row Count 12 (+ 1)
% Row 3
\SetRowColor{white}
Express Contract & written or oral, most common relationship, mutual agreement by both parties \tn 
% Row Count 15 (+ 3)
% Row 4
\SetRowColor{LightBackground}
Implied Agency & an agency can be implied by conduct. Past con. is no con. applies \tn 
% Row Count 18 (+ 3)
% Row 5
\SetRowColor{white}
\seqsplit{Ratification} & An agent's authority can be granted retroactively. When the agent informs the principal of his actions and the principal accepts, the principal will be bound by contract. \tn 
% Row Count 25 (+ 7)
% Row 6
\SetRowColor{LightBackground}
 & If the seller says no, the agent will be responsible \tn 
% Row Count 27 (+ 2)
% Row 7
\SetRowColor{white}
Agency by Estoppel & seller gives all power to act on behalf (power of attorney). Where the principal acts in such a way as to lead a 3rd party to believe that the agent has authority to act on behalf of the principal. Limited right. Agent CANNOT sign for anyone \tn 
% Row Count 36 (+ 9)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{1.9908 cm} x{2.9862 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{CH3: Crown Land}}  \tn
% Row 0
\SetRowColor{LightBackground}
 & (based on common law, modified using LTR) \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
Fee Simple & Stated: remainderman, Not Stated: revisioner \tn 
% Row Count 4 (+ 2)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{Strata} \tn 
% Row Count 5 (+ 1)
% Row 3
\SetRowColor{white}
Leasehold & includes city, federal, 1st nations land \tn 
% Row Count 7 (+ 2)
% Row 4
\SetRowColor{LightBackground}
Life Estate (pur autre vie) & Rights: \tn 
% Row Count 9 (+ 2)
% Row 5
\SetRowColor{white}
 & Obligations: \tn 
% Row Count 10 (+ 1)
% Row 6
\SetRowColor{LightBackground}
Cooperative Ownership & Joint Tenancy: TTIP unity, survivorship. \tn 
% Row Count 12 (+ 2)
% Row 7
\SetRowColor{white}
 & Tenants in Common: Unequal TTIP, \$, will, if not specified its this one \tn 
% Row Count 15 (+ 3)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{p{0.4977 cm} x{4.4793 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{CH12}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{Termination of Authority} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
 & The relationship is based on mutual consent, either party can terminate at will \tn 
% Row Count 4 (+ 3)
% Row 2
\SetRowColor{LightBackground}
 & Can be revoked orally/by conduct \tn 
% Row Count 5 (+ 1)
% Row 3
\SetRowColor{white}
 & Principal that is inconsistent with the communication of authority would terminate \tn 
% Row Count 8 (+ 3)
% Row 4
\SetRowColor{LightBackground}
 & Frustration \tn 
% Row Count 9 (+ 1)
% Row 5
\SetRowColor{white}
 & Death, insanity, bankruptcy \tn 
% Row Count 10 (+ 1)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{2.4885 cm} x{2.4885 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{CH12}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{Principal duties to an agent} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
 & 1. To pay commission \tn 
% Row Count 2 (+ 1)
% Row 2
\SetRowColor{LightBackground}
 & 2. Duty to indemnify the agent \tn 
% Row Count 4 (+ 2)
% Row 3
\SetRowColor{white}
 & Commission is due when the title has been exchanged for money \tn 
% Row Count 8 (+ 4)
% Row 4
\SetRowColor{LightBackground}
 & If a seller and buyer conspired to wait for the listing to expire and finish the deal after, the brokerage will be entitled ot the commission \tn 
% Row Count 16 (+ 8)
% Row 5
\SetRowColor{white}
\mymulticolumn{2}{x{5.377cm}}{Agency Disclosure} \tn 
% Row Count 17 (+ 1)
% Row 6
\SetRowColor{LightBackground}
Before assisting or representing, agent must disclose & the nature of the representation the licensee will be providing \tn 
% Row Count 21 (+ 4)
% Row 7
\SetRowColor{white}
 & whether the licensee will be acting on behalf of any other person \tn 
% Row Count 25 (+ 4)
% Row 8
\SetRowColor{LightBackground}
 & whether the licensee will be accepting compensation from any other person \tn 
% Row Count 29 (+ 4)
% Row 9
\SetRowColor{white}
If the agent does NOT disclose that he is an agent & The 3rd party may sue either the agent or the principal to enforce the contract. Both the agent and principal will be liable if a dishonest act occurs \tn 
% Row Count 37 (+ 8)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{2.83689 cm} x{2.14011 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{CH24 Statement of Adjustments}}  \tn
% Row 0
\SetRowColor{LightBackground}
Price & debit purchaser, credit vendor \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
RE Commission & n/a purchaser, debit vendor \tn 
% Row Count 4 (+ 2)
% Row 2
\SetRowColor{LightBackground}
Deposit to Brokerage & credit purchaser, n/a vendor \tn 
% Row Count 6 (+ 2)
% Row 3
\SetRowColor{white}
Deposit paid directly to vendor & credit purchaser, n/a vendor \tn 
% Row Count 8 (+ 2)
% Row 4
\SetRowColor{LightBackground}
1st Legal Mortgage & credit purchaser, n/a vendor \tn 
% Row Count 10 (+ 2)
% Row 5
\SetRowColor{white}
Equitable mortgage & credit purchaser, n/a vendor \tn 
% Row Count 12 (+ 2)
% Row 6
\SetRowColor{LightBackground}
Assumed mortgage/Agreement for Sale & credit purchaser, debit vendor \tn 
% Row Count 14 (+ 2)
% Row 7
\SetRowColor{white}
Legal Fees/Conveyance & debit purchaser, n/a vendor \tn 
% Row Count 16 (+ 2)
% Row 8
\SetRowColor{LightBackground}
Discharging existing mortgage & n/a purchaser, debit vendor \tn 
% Row Count 18 (+ 2)
% Row 9
\SetRowColor{white}
Security Deposit & credit purchaser, debit vendor \tn 
% Row Count 20 (+ 2)
% Row 10
\SetRowColor{LightBackground}
Property Transfer Tax & debit purchaser, n/a vendor \tn 
% Row Count 22 (+ 2)
% Row 11
\SetRowColor{white}
Purchasers share of taxes already paid by vendor & debit purchaser, credit vendor \tn 
% Row Count 25 (+ 3)
% Row 12
\SetRowColor{LightBackground}
Vendor's share of taxes not yet due & credit purchaser, debit vendor \tn 
% Row Count 27 (+ 2)
% Row 13
\SetRowColor{white}
Penalty due on overdue taxes & n/a purchaser, debit vendor \tn 
% Row Count 29 (+ 2)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{2.4885 cm} x{2.4885 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{CH15}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{Process of Foreclosure} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
Demand letter & short time period to pay \tn 
% Row Count 3 (+ 2)
% Row 2
\SetRowColor{LightBackground}
Petition & BC supreme court registry \tn 
% Row Count 5 (+ 2)
% Row 3
\SetRowColor{white}
1st Court Order & Order NISI (redemption period) \tn 
% Row Count 7 (+ 2)
% Row 4
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{Petitioner may apply for:} \tn 
% Row Count 8 (+ 1)
% Row 5
\SetRowColor{white}
 & Judicial Sale: not enough equity. Owner can still be liable, most common in BC \tn 
% Row Count 12 (+ 4)
% Row 6
\SetRowColor{LightBackground}
 & Order Absolute of Foreclosure: enough equity in property. Owner is no longer liable. Lender becomes registered owner. No further action can be taken against the owner \tn 
% Row Count 21 (+ 9)
% Row 7
\SetRowColor{white}
Criminal Code & offence for a person or corporation to enter into an agreement ot receive interest at a criminal rate (60\%) \tn 
% Row Count 27 (+ 6)
% Row 8
\SetRowColor{LightBackground}
Interest Act & If the document does not mention interest, no interest can be charged. If document requires interest to be paid with no set amount -rate allowed by law is 5\% (does not apply to companies) \tn 
% Row Count 37 (+ 10)
\end{tabularx}
\par\addvspace{1.3em}

\vfill
\columnbreak
\begin{tabularx}{5.377cm}{x{2.4885 cm} x{2.4885 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{CH15 (cont)}}  \tn
% Row 9
\SetRowColor{LightBackground}
Business Practices and Consumer Protection Act & The court can re-open a mortgage transaction under the consumer protection act if it believes the interest rate is harsh or incosionable \tn 
% Row Count 7 (+ 7)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{p{0.4977 cm} x{4.4793 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{CH11: Contracts}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{condition precedent} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
 & may only be waived by the party who is benefit from the condition \tn 
% Row Count 3 (+ 2)
% Row 2
\SetRowColor{LightBackground}
 & to remove- must deliver written notice to each party before deadline \tn 
% Row Count 5 (+ 2)
% Row 3
\SetRowColor{white}
\mymulticolumn{2}{x{5.377cm}}{Protecting the Seller} \tn 
% Row Count 6 (+ 1)
% Row 4
\SetRowColor{LightBackground}
 & pre-qualification of buyer \tn 
% Row Count 7 (+ 1)
% Row 5
\SetRowColor{white}
 & asking buyer to use his best efforts to satisfy conditions \tn 
% Row Count 9 (+ 2)
% Row 6
\SetRowColor{LightBackground}
 & time clause "72 hour clause" (removal of conditions by specified time if better offer is received) \tn 
% Row Count 12 (+ 3)
% Row 7
\SetRowColor{white}
 & specific time on condition precedent (something that MUST occur) \tn 
% Row Count 14 (+ 2)
% Row 8
\SetRowColor{LightBackground}
 & Property Disclosure Statement a protection to lender \tn 
% Row Count 16 (+ 2)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{1.69218 cm} x{3.28482 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{CH3:}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{Interest in Land Less than Estates} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
Restrictive Covenants & negative in nature, runs with the land, binding \tn 
% Row Count 3 (+ 2)
% Row 2
\SetRowColor{LightBackground}
Building Scheme & Multiple Restrictive Cov., maintains uniformity in development, same vendor for all lots \tn 
% Row Count 7 (+ 4)
% Row 3
\SetRowColor{white}
Profits a Prendre & Right to profit from land \tn 
% Row Count 9 (+ 2)
% Row 4
\SetRowColor{LightBackground}
Easement & must be able to form a subject(makes boundaries), benefits the land, release by express agreement from Dom.Tenement \tn 
% Row Count 14 (+ 5)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{2.4885 cm} x{2.4885 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{CH21}}  \tn
% Row 0
\SetRowColor{LightBackground}
the "subject of appraisal" is.. & the legal rights of ownership vested in a particular piece of real estate \tn 
% Row Count 4 (+ 4)
% Row 1
\SetRowColor{white}
Ceiling Price/Subjective Value/to owner & highest buyer will pay \tn 
% Row Count 6 (+ 2)
% Row 2
\SetRowColor{LightBackground}
Sale Price/Objective Value/in exchange/market & Negotiated price between buyer and seller \tn 
% Row Count 9 (+ 3)
% Row 3
\SetRowColor{white}
Floor Price/Subjective Value & Lowest price the seller will accept \tn 
% Row Count 11 (+ 2)
% Row 4
\SetRowColor{LightBackground}
lending value & a long term conservative estimate of the value of the interest in land pledged as security \tn 
% Row Count 16 (+ 5)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{0.84609 cm} x{4.13091 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{CH20}}  \tn
% Row 0
\SetRowColor{LightBackground}
\seqsplit{Dormer} & mini roof extension that provides extra space \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
WATTS = & VOLTS x AMPS \tn 
% Row Count 4 (+ 2)
% Row 2
\SetRowColor{LightBackground}
\seqsplit{Amperage} & measure of the rate of electrical flow \tn 
% Row Count 6 (+ 2)
% Row 3
\SetRowColor{white}
\seqsplit{Voltage} & measure of electrical potential or pressure of current flow \tn 
% Row Count 8 (+ 2)
% Row 4
\SetRowColor{LightBackground}
\seqsplit{Wattage} & measure of power consumption \tn 
% Row Count 10 (+ 2)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{1.19448 cm} x{3.78252 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{CH5: Trespass}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{Types of Trespass} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
 & Entry: voluntary without permission \tn 
% Row Count 3 (+ 2)
% Row 2
\SetRowColor{LightBackground}
 & Remaining: remains after right ends \tn 
% Row Count 5 (+ 2)
% Row 3
\SetRowColor{white}
 & Placing: object to be wrongfully placed \tn 
% Row Count 7 (+ 2)
% Row 4
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{Includes: knowledgeable and unknowledgeable trespasser} \tn 
% Row Count 9 (+ 2)
% Row 5
\SetRowColor{white}
\mymulticolumn{2}{x{5.377cm}}{Occurs on someone elses property, damage not necessary(actionable "per se"), intentional/direct act/voluntary} \tn 
% Row Count 12 (+ 3)
% Row 6
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{Indirect actions are NOT trespass} \tn 
% Row Count 13 (+ 1)
% Row 7
\SetRowColor{white}
\mymulticolumn{2}{x{5.377cm}}{"No soliciting:" trespass if occurs} \tn 
% Row Count 14 (+ 1)
% Row 8
\SetRowColor{LightBackground}
Who can sue: & person in actual possession of property \tn 
% Row Count 16 (+ 2)
% Row 9
\SetRowColor{white}
\seqsplit{Remedies:} & self help, injunction, damages \tn 
% Row Count 17 (+ 1)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{1.84149 cm} x{3.13551 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{CH21-23}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{Income Method} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
appraiser looks at: & current lease condition at teh time of the sale, registered mortgages, physical characteristics of the building \tn 
% Row Count 6 (+ 5)
% Row 2
\SetRowColor{LightBackground}
 & not the expected rent forecast! \tn 
% Row Count 8 (+ 2)
% Row 3
\SetRowColor{white}
 & based on economic factors, no depreciation is used \tn 
% Row Count 10 (+ 2)
% Row 4
\SetRowColor{LightBackground}
Yield= & net operating income/sale price \tn 
% Row Count 12 (+ 2)
% Row 5
\SetRowColor{white}
\seqsplit{CAPitalization} Yield & an average yield of all buildings being compared \tn 
% Row Count 14 (+ 2)
% Row 6
\SetRowColor{LightBackground}
Sale Price = & NOI(subject)/Cap Yield \tn 
% Row Count 15 (+ 1)
% Row 7
\SetRowColor{white}
Gross Potential Revenue & - Vacancy \& Bad debt = G. Realized Revenue \tn 
% Row Count 17 (+ 2)
% Row 8
\SetRowColor{LightBackground}
GRR & - Expenses = Net Operating Income \tn 
% Row Count 19 (+ 2)
% Row 9
\SetRowColor{white}
Replacement Reserves & Provides for a periodic replacement of building components that wear out more rapidly than the building itself \tn 
% Row Count 24 (+ 5)
% Row 10
\SetRowColor{LightBackground}
 & replaces the equipment with relatively short lives such as stoves, refrigerators, washing machines, carpeting \tn 
% Row Count 29 (+ 5)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{1.84149 cm} x{3.13551 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{CH21}}  \tn
% Row 0
\SetRowColor{LightBackground}
Margin of Error & 10\% \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
Factors Affecting Value & house/lot/location, neighbourhood, local economy, regional economy, prov/nat economy, "special purchaser" (extension of bids), Highest and best use \tn 
% Row Count 8 (+ 6)
% Row 2
\SetRowColor{LightBackground}
LT Trends & shift in age composition, government programs affecting RE, supply and cost of raw materials \tn 
% Row Count 12 (+ 4)
% Row 3
\SetRowColor{white}
ST Trends & consumer pessimism/optimism, change in interest rates (mortgage, bonds, loans) \tn 
% Row Count 16 (+ 4)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{2.38896 cm} x{2.58804 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{CH3: Waste}}  \tn
% Row 0
\SetRowColor{LightBackground}
Common law waste: Voluntary & exploitation of nat.resources \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
CL: Permisisve & allowing to deteriorate \tn 
% Row Count 4 (+ 2)
% Row 2
\SetRowColor{LightBackground}
CL: Ameliorating & improvements \tn 
% Row Count 5 (+ 1)
% Row 3
\SetRowColor{white}
Statute Waste: Equitable & destruction \tn 
% Row Count 7 (+ 2)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{2.04057 cm} x{2.93643 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{CH18}}  \tn
% Row 0
\SetRowColor{LightBackground}
Planning Process & long/short term goals \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
 & testing courses of action \tn 
% Row Count 3 (+ 2)
% Row 2
\SetRowColor{LightBackground}
 & forecasting future requirement/trends \tn 
% Row Count 5 (+ 2)
% Row 3
\SetRowColor{white}
Planning Process & official community plans, non conforming use and board of variance, zoning bylaw, rezoning, subdivision \tn 
% Row Count 10 (+ 5)
% Row 4
\SetRowColor{LightBackground}
Legal Non-Conforming Use & Lost after 6 months of discontinued use (90 days in VAN), cannot make alteration, Damage beyond 75\% of value cannot be rebuilt \tn 
% Row Count 16 (+ 6)
% Row 5
\SetRowColor{white}
Zoning bylaw Restrictions & 1. Height 2. Density 3. Set Backs 4.Site Area 5.Home occupations 6.Signage 7.Number of buildings 8.Parking \tn 
% Row Count 21 (+ 5)
% Row 6
\SetRowColor{LightBackground}
Zoning Bylaw has three parts & map, definition of key terms, schedule of regulations \tn 
% Row Count 24 (+ 3)
% Row 7
\SetRowColor{white}
Rationale of Regulation & Public health and safety, Protect Property Values, Convenience and appearance, conserve natural resources \tn 
% Row Count 29 (+ 5)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{0.89586 cm} x{4.08114 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{CH5: Nuisance}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{Must have proof of physical damage} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\mymulticolumn{2}{x{5.377cm}}{Interference with use and enjoyment} \tn 
% Row Count 2 (+ 1)
% Row 2
\SetRowColor{LightBackground}
\seqsplit{Defense:} & unavoidable as authorized by statute \tn 
% Row Count 4 (+ 2)
% Row 3
\SetRowColor{white}
 & damage is trifling \tn 
% Row Count 5 (+ 1)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{1.09494 cm} x{3.88206 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{CH12}}  \tn
% Row 0
\SetRowColor{LightBackground}
MLS & a site that pulls together information on real estate related topics with a focus on real estate listings \tn 
% Row Count 4 (+ 4)
% Row 1
\SetRowColor{white}
 & MLS contract must be in writing \tn 
% Row Count 5 (+ 1)
% Row 2
\SetRowColor{LightBackground}
 & Managed by real estate boards \tn 
% Row Count 6 (+ 1)
% Row 3
\SetRowColor{white}
 & Distributed to all members of RE board \tn 
% Row Count 8 (+ 2)
% Row 4
\SetRowColor{LightBackground}
DUAL Agency & listing agent represents also a buyer \tn 
% Row Count 10 (+ 2)
% Row 5
\SetRowColor{white}
 & or agents from the same brokerage \tn 
% Row Count 12 (+ 2)
% Row 6
\SetRowColor{LightBackground}
 & Dual agent owes full duties to each client, but keep information confidential in 3 areas: the price, motivation, personal information \tn 
% Row Count 17 (+ 5)
% Row 7
\SetRowColor{white}
\mymulticolumn{2}{x{5.377cm}}{Termination of Agency Contract} \tn 
% Row Count 18 (+ 1)
% Row 8
\SetRowColor{LightBackground}
 & Death of one of the parties \tn 
% Row Count 19 (+ 1)
% Row 9
\SetRowColor{white}
 & Frustration \tn 
% Row Count 20 (+ 1)
% Row 10
\SetRowColor{LightBackground}
 & Letter of termination by the principal \tn 
% Row Count 22 (+ 2)
% Row 11
\SetRowColor{white}
 & Insanity of the agent or the principal \tn 
% Row Count 24 (+ 2)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{0.82386 cm} x{1.87657 cm} x{1.87657 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{3}{x{5.377cm}}{\bf\textcolor{white}{CH12: Law of Agency}}  \tn
% Row 0
\SetRowColor{LightBackground}
Actual \seqsplit{Authority} & when documents are signed, the seller agrees to these authorities &  \tn 
% Row Count 5 (+ 5)
% Row 1
\SetRowColor{white}
 & Express Authority & How \seqsplit{long/much/commission} \tn 
% Row Count 7 (+ 2)
% Row 2
\SetRowColor{LightBackground}
 &  & Is created an limited by the terms of the contract. Promis to pay commission must be supported by consideration (Listing Agreement) \tn 
% Row Count 16 (+ 9)
% Row 3
\SetRowColor{white}
 & Implied \seqsplit{Authority/Agency} & Every agent has implied authority to do anything necessary for carrying out teh express authority granted (ie. enter the property with buyer). The goal is to sell \tn 
% Row Count 27 (+ 11)
% Row 4
\SetRowColor{LightBackground}
 &  & Rolls Royce question: buy everything to get the car \tn 
% Row Count 31 (+ 4)
\end{tabularx}
\par\addvspace{1.3em}

\vfill
\columnbreak
\begin{tabularx}{5.377cm}{x{0.82386 cm} x{1.87657 cm} x{1.87657 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{3}{x{5.377cm}}{\bf\textcolor{white}{CH12: Law of Agency (cont)}}  \tn
% Row 5
\SetRowColor{LightBackground}
 & Usual or Customary Authority & The agent is governed by what is usual in the trade (collect deposit) \tn 
% Row Count 5 (+ 5)
% Row 6
\SetRowColor{white}
\seqsplit{Apparent} \seqsplit{Authority} & Similar to agency by estoppel (parenting over someone's listing & Where the 3rd party would reasonably consider, from the conduct of the principal and the agent, that the agent did in fact possess authority \tn 
% Row Count 14 (+ 9)
\hhline{>{\arrayrulecolor{DarkBackground}}---}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{2.09034 cm} x{2.88666 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{CH5: Negligence}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{duty of care, breach of standard of care, reasonable result - foreseeable damages (in the course of business)} \tn 
% Row Count 3 (+ 3)
% Row 1
\SetRowColor{white}
\mymulticolumn{2}{x{5.377cm}}{} \tn 
% Row Count 3 (+ 0)
% Row 2
\SetRowColor{LightBackground}
 & not verifying listing agreement \tn 
% Row Count 5 (+ 2)
% Row 3
\SetRowColor{white}
 & not done title search \tn 
% Row Count 6 (+ 1)
% Row 4
\SetRowColor{LightBackground}
 & fails to disclose material facts \tn 
% Row Count 8 (+ 2)
% Row 5
\SetRowColor{white}
 & doesn't recommend to insert clauses in offer \tn 
% Row Count 10 (+ 2)
% Row 6
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{Vicarious Liability} \tn 
% Row Count 11 (+ 1)
% Row 7
\SetRowColor{white}
\mymulticolumn{2}{x{5.377cm}}{Fiduciary Duty} \tn 
% Row Count 12 (+ 1)
% Row 8
\SetRowColor{LightBackground}
 & loyalty to client, full disclosure, duty of utmost good faith, advantageous price \tn 
% Row Count 16 (+ 4)
% Row 9
\SetRowColor{white}
\mymulticolumn{2}{x{5.377cm}}{Negligent Misrepresentation} \tn 
% Row Count 17 (+ 1)
% Row 10
\SetRowColor{LightBackground}
 & careless (without thought) \tn 
% Row Count 19 (+ 2)
% Row 11
\SetRowColor{white}
 & contractual relationship not necessary \tn 
% Row Count 21 (+ 2)
% Row 12
\SetRowColor{LightBackground}
 & reasonably relied on \tn 
% Row Count 22 (+ 1)
% Row 13
\SetRowColor{white}
 & damage must result \tn 
% Row Count 23 (+ 1)
% Row 14
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{Fraudulent Misrepresentation} \tn 
% Row Count 24 (+ 1)
% Row 15
\SetRowColor{white}
 & knowledge of false statement \tn 
% Row Count 26 (+ 2)
% Row 16
\SetRowColor{LightBackground}
 & does not need to be expert \tn 
% Row Count 28 (+ 2)
% Row 17
\SetRowColor{white}
 & sued under Tort/Contract law \tn 
% Row Count 30 (+ 2)
\end{tabularx}
\par\addvspace{1.3em}

\vfill
\columnbreak
\begin{tabularx}{5.377cm}{x{2.09034 cm} x{2.88666 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{CH5: Negligence (cont)}}  \tn
% Row 18
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{Refuse to give advice} \tn 
% Row Count 1 (+ 1)
% Row 19
\SetRowColor{white}
\mymulticolumn{2}{x{5.377cm}}{Clear Qualification "do not rely on my opinion"} \tn 
% Row Count 2 (+ 1)
% Row 20
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{Defense} \tn 
% Row Count 3 (+ 1)
% Row 21
\SetRowColor{white}
 & not reasonably foreseeable that the person would take the advice \tn 
% Row Count 6 (+ 3)
% Row 22
\SetRowColor{LightBackground}
Errors in drafting agreement: & licensee must be able to correctly draft documents \tn 
% Row Count 9 (+ 3)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}


% That's all folks
\end{multicols*}

\end{document}