) How and why do secured interests in personal property facilitate commerce between business enterprises and between businesses and consumers?

2.) What are some of the dangers for lenders and for borrowers associated with mortgages as have been experienced in the first decade of the 21^stcentury?

3.) What are the benefits and the detriments to the business which has extended credit to a consumer which debt is not fully paid, when the consumer files for relief under the Bankruptcy Code