New Hampshire MCLE - Real Estate Courses

This is a listing of Real Estate CLE Courses for New Hampshire. Please make your selection below of New Hampshire CLE courses. Click "Add To Cart" to purchase Individual CLE Courses. For more information about a particular CLE course, click on the "More Info" link. Click the "Preview" button to view a short preview of the course.

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New Hampshire MCLE
Accreditation Info

New Hampshire attorneys must self-determine whether a program is eligible for credit and self-report their attendance. The United Institute for Continuing Legal Education believes that its courses meet the requirements of NH Supreme Court Rule 53 and qualify towards the annual NHMCLE requirement. To view our full accreditation details please .

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Real Estate Courses

  • The ABC’s of the Newly Enacted Good Cause Eviction Law in New York State

    This CLE presentation offers a comprehensive overview of the newly enacted New York State Good Cause Eviction Law, marking a significant shift in the regulation of housing accommodations that are not traditionally rent-regulated. The presentation will explore key provisions of the law, highlighting critical implementation questions and potential answers. Participants will gain a deeper understanding of the law’s impact and practical guidance on its application in real-world scenarios.... More Info

    $29
    1.1General Credits
  • Foreclosure 101: An Overview of the Process to Recover Real Property Across the Country

    This CLE course offers a comprehensive overview of key topics relevant to legal practitioners working in residential foreclosure on behalf of lenders nationwide. The course covers essential documents, concepts, terminology, and strategies for effectively navigating the foreclosure process. Additionally, it highlights common challenges, pitfalls, and homeowner defenses that may arise during foreclosure proceedings. More Info

    $29
    1General Credit
  • An Overview of NJ Residential Eviction Practice

    As we transition to a new post-pandemic reality, the landscape of landlord-tenant law in New Jersey is evolving rapidly. This course provides an in-depth exploration of current procedural and substantive aspects of New Jersey landlord-tenant law. We will address the latest developments, particularly those affecting eviction procedures and the many challenges landlords and tenants now face. Led by Kenneth W. Biedzynski, Esq., the course offers a comprehensive overview of this dynamic ar... More Info

    $55
    1.5General Credits
  • Protecting Your Family Home Through Trusts

    As seniors age, they may face urgent needs for long-term nursing home care without having sufficient private funds or long-term care insurance to cover the costs. Often, their primary asset is their home, leading to the misconception that selling it and using the proceeds for care is the only solution. This CLE course will explore strategies to preserve this valuable asset for the Medicaid applicant and their loved ones. We will delve into the benefits of exempt transfers and the use o... More Info

    $29
    1General Credit
  • Do's and Don'ts for Zoning Hearings

    Public hearings are essential forums for community involvement, especially in the context of zoning and land use decisions. But what exactly distinguishes a public hearing from a public meeting? This CLE program delves into the critical role of public hearings, offering a comprehensive understanding of their necessity and function. Led by a seasoned land use attorney—who brings the unique perspective of a former planning commissioner and current elected official—this seminar provides in... More Info

    $29
    1.1General Credits
  • Defying Limits: Breaking the Boundaries of Adverse Possession

    Adverse possession is a legal concept that you might remember from law school but haven't thought much about since. It’s an ancient principle that's been around for thousands of years, and it's likely to endure as long as people own land. Essentially, if certain conditions are met, someone can acquire ownership of property without buying it or going to court. This CLE course dives into the intricacies of adverse possession, focusing on its role in litigation. You’ll learn about the key... More Info

    $55
    2General Credits
  • Top 10 Lease Mistakes & Pitfalls and How to Steer Clear of Them

    This CLE course will explain commercial real estate leasing and offer a comprehensive review of the most common mistakes made by those who draft and review leases of this type. The course is primarily geared towards landlords and helping them to avoid major pitfalls, but will also address a variety of tenant concerns, and explain how to conduct lease negotiations from both the tenant and landlord perspective. The course will present the most common commercial lease provisions a... More Info

    $55
    1.5General Credits
  • The NYC Board of Standards and Appeals: How to File an Application

    Seeking a zoning variance requires one to file an application with the NYC Board of Standards and Appeals. First established in 1961, NYC Zoning regulations made certain tax lots regulated and need relief. The BSA was created to provide this type of relief in the case of overregulated properties. This CLE course will offer a detailed explanation of the application process for a variance, which is targeted to a single tax lot, not multiple lots, and which serves to alleviate a zoning i... More Info

    $55
    2General Credits
  • Mortgage Mayhem: What Attorneys Need to Know About Loan Applicant Protections

    Purchasing a home is perhaps the most confusing, time consuming, stressful and yet infrequent transaction your clients will face. As a result, most consumers don’t bother to delve too deeply into the nuances, and simply rely on their loan officer to protect their interests. This is a mistake. For a loan officer, home loans are a “zero-sum” game for the loan officer – the loan either closes or it doesn’t. They earn their commission, or they don’t. Loan officers therefore tend to stack as many a... More Info

    $29
    1General Credit
  • Things That a Real Estate Attorney Doesn't Want to Hear

    Real estate attorneys receive a constant barrage of questions on a daily basis. Many are critical and some seem almost so basic as to be foolish, but all are questions that attorneys must contend with and walk through with clients and potential clients. This CLE course will address the 50 most common inquiries, creatively and thoughtfully offering responses that real estate attorneys can use in their communications. More Info

    $55
    2General Credits
  • 1031 Exchanges: Ethical Considerations

    Navigating 1031 Exchanges can be intricate, and this in-depth CLE course is designed to unravel the complexities. This course will elucidate optimal strategies and a diverse range of ethical considerations associated with 1031 Exchanges. The agenda encompasses key aspects such as Qualifying Property, Scope of Representation, Conflicts of Interest, Identification, Qualified Intermediaries, and additional relevant topics. More Info

    $34
    1Ethics Credit
  • Basic Zoning for Large Cities: How to Determine Allowable Use, Size, and Height

    This CLE course will offer an overview of the basic zoning regulations for large US cities. The regulations to be discussed assign zoning designations for taxation purposes and divide lots which determine: 1) Permitted uses 2) Maximum building size 3) Maximum building height 4) Required open space (i.e. front and back yards) Typical charts, tables and maps that contain these regulations will be presented and methods for the modification of a tax lot’... More Info

    $55
    2General Credits
  • Constitutional Challenges to the Foreclosure Abuse Prevention Act

    The New York State Legislature passed the Foreclosure Abuse Prevention Act (FAPA) to address perceived manipulations of the statute of limitations in foreclosure actions within the state. This CLE course examines the impact of FAPA on different sections of the CPLR, RPAPL, and GOL. Moreover, the constitutionality of FAPA has been contested on multiple fronts, such as substantive due process, the contracts clause, and separation of powers. This course delves into the ongoing legal devel... More Info

    $29
    1General Credit
  • Commercial Pace, The New Kid On The Block: The Legal Framework For A New Form Of Commercial Real Estate Financing

    The Commercial Property Assessed Clean Energy Financing (C-PACE) is a new tool for property owners and developers which offers low interest and longer terms with a super-priority lien. It functions like a muni bond but can still be placed in a capital stack. This CLE course will explain the basics of the C-PACE is enabled and describe its legal structure, status and how it can be put to work for your clients from developers, banks, local governments or private owners. More Info

    $29
    1General Credit
  • Who Has The Power and Authority to Convey Real Estate in Various Situations

    This CLE session aims to provide attorneys with a clear understanding of the individuals vested with the power to sell, transfer, or convey real estate. It is not uncommon for sellers to mistakenly assume ownership interests in real estate without proper knowledge. Through the lens of descent and distribution, we will delve into the specific parties authorized to convey the identified real estate. Additionally, the session will explore the right to convey through the operation of law.... More Info

    $55
    2General Credits
  • Municipal Law: General Civil Overview

    Many people may not realize the significant impact of municipal law on our day-to-day lives. Municipal lawyers play a crucial role in serving various municipal entities, such as cities, towns, boroughs, counties, and special districts. In their practice, municipal attorneys handle a wide spectrum of legal matters, ranging from advising governing authorities to defending against legal claims brought against the municipality. They are also involved in drafting ordinances and managing contracts f... More Info

    $29
    1General Credit
  • Contractual Deal Killers In Real Estate Law: What Attorneys Need to Know

    This CLE course offers a comprehensive understanding of critical contractual considerations in residential real estate representation. The course covers the following topics: Varied Contract Types for Condominiums and Co-operative Housing Co-operative Housing Contracts Condominium Contracts Contracts for Single-Family and Multi-Family Properties Essential Areas of Contractual Consideration Mortgage Commitment Examination Title Investigation Procedures Assessing Liens and Violat... More Info

    $29
    1General Credit
  • Was the Pandemic a Short or Long Term Bankruptcy Sickness

    Designed to offer a general overview of bankruptcy law, this CLE course will include a general description of the history of bankruptcy law as well as a description of the various chapters of bankruptcy, their function and how they differ. The course will address recent, significant amendments to the Bankruptcy Code, and explain how and when to complete a Chapter 13 form plan. A brief description of bankruptcy filing statistics and secondary sources for legal research will be presented... More Info

    $55
    2General Credits
  • Recent Constitutional Challenges to Rent Regulations

    The Fifth Amendment holds that no person shall be “deprived of … property, without due process of law; nor shall private property be taken for public use, without just compensation”. Given that, how can state governments require landlords to maintain rents below market levels? Since the 1920’s, this issue has been raised numerous times and also comes down in favor of the government’s authority to regulate rents. This CLE course will analyze recent federal court challenges to the rent l... More Info

    $29
    1General Credit
  • Broker Lien Rights: What Attorneys Need to Know

    Presented by a seasoned attorney who authored or lobbied on behalf of the roughly 34 states with commercial real estate broker lien rights, this CLE course will address a variety of related issues. The course will address protected commission claims, the prerequisite of such claims, timing, and legislative history. Advice on enforcements as well as guidelines for drafting a lien, asserting and serving a claim, foreclosing and defending judgement a the appellate level will be addressed.... More Info

    $55
    1.5General Credits
  • Pitfalls To Avoid When Real Estate and Matrimonial Issues Collide

    Matrimonial law requires attorneys to possess a wide breadth of knowledge since it intersects with many other areas of laws including immigration, contracts, criminal law, property, insurance, trusts, estates and taxes. The place where matrimonial and real estate law overlap is particularly complex and fascinating. Divorcing couples typically jointly own at least one piece of property, usually the marital residence, though some couples may own many properties. From rental properties,... More Info

    $29
    1General Credit
  • Housing Justice 101: Understanding the Fair Housing Act

    This CLE course will offer a comprehensive understanding of the Fair Housing Act, a significant federal legislation that prohibits housing discrimination on the basis of race, color, religion, sex, familial status, national origin, or disability. The seminar will delve into crucial elements of the act, such as fair housing advertising and marketing, discriminatory practices, and the government's role in implementing fair housing laws. Furthermore, participants will gain knowledge of th... More Info

    $29
    1General Credit
  • Skip Tracing for Lawyers

    Located a missing person is sometimes required of attorneys in most areas of practice, though more often for those practicing trust and estates, malpractice, debt collection, personal injury, and real estate law. Typically, with enough information, creativity and resources, attorneys can locate individuals without the services of private investigators or skip tracers. This informative CLE course, developed by a seasoned investigative attorney, will help lawyers develop basic people sea... More Info

    $29
    1.2General Credits
  • Trends in Property Law Post-Pandemic

    The world of real estate is constantly changing and has undergone tremendous upheaval in the last few years, largely as a result of COVID-19. This CLE course will cover the most recent developments in New York property law with a focus on eviction proceedings, both residential and commercial and from the perspectives of both landlords and tenants. The course will present litigation techniques including cause, motions, trial practice and evidentiary issues and will also cover foreclosure litigati... More Info

    $29
    1General Credit
  • Landlords’ Concerns in Airbnb-ing

    Led by author and leading landlord-tenant practitioner, this CLE course will draw on vast experience representing landlords in litigation arising from tenants who sublease their apartments for short term rentals. This often occurs in violation of the law, and of their lease. The course will take a multi-faceted look at the dangers for landlords and for apartment community and offers options for landlords to respond to these violations. The course will conclude with a presentation on l... More Info

    $29
    1.2General Credits
  • Things That Make you Go Hmmm... Points That Every Real Estate Attorney Needs to Know

    Designed to provide further insight on matters that Real Estate Attorneys are familiar with but yet don’t know in-depth, this CLE course will address the how’s, why’s and when’s of important issues that arise in real estate law. The course will also expand knowledge and understanding of new development, legislative efforts to legalize illegal apartments, ineffective deed transfers and the most recent regulations related to notary publics. More Info

    $81
    2.6General Credits
  • Rules and Principles of The Division of Real Estate Between Married and Unmarried Partners

    Divorce is difficult – both emotionally and financially. Separating lives that were once united is complicated from every respect and the division of assets is one of the most combative issues couples face. This CLE course will focus on the division of real estate and the importance of prenuptial and mid-marriage agreements in protecting a spouse’s interest in a property, particularly when a down payment was provided by a family member. The course will explain the various pitfa... More Info

    $29
    1General Credit
  • The Highs and Lows of Cannabis Land Use Regulations

    Weed is now legal in 21 states, with more than 155 million Americans able to legally possess marijuana. However, it remains classified as a Schedule I drug on the Controlled Substances Act, which is the same category as heroin, meaning it can disqualify someone from entering the U.S. military or for applying for a security clearance. Even those cannabis businesses operating in state-legal markets struggle to fund their start-up costs because they are restricted from opening bank accounts or ge... More Info

    $29
    1.2General Credits
  • A Guide To Navigating The Maze Of New York City Zoning And Land Use

    Zoning and land-use are typically complex areas, and in New York City even more so. This CLE course will offer a detailed introduction to zoning and land use with a focus on New York City. The course will include discussions of the use, bulk and parking regulations of the Zoning Resolution, as well as present issues such as the transfer of "air rights", mandatory affordable housing, and continuation of non-conforming uses and discretionary approvals, including re-zoning special permits... More Info

    $29
    1General Credit
  • The Hidden Secrets of Constructive Trust Litigation

    Imagine your client, with full knowledge and faculties, has executed a deed signing away his property with the “understanding” that he would eventually get it back. Would the statute of frauds bar relief? Interesting question. This CLE course will address all the Hidden Secrets of Constructive Trust Litigation. Presented by the author of "Litigating Constructive Trusts" which addresses the main issues relevant to constructive trust cases, the course will address the issue from an offen... More Info

    $55
    1.6General Credits
  • Don’t Get Caught Without A Contractor’s License: The Downfalls and Damages of Working Without a License

    Violating license requirements can have serious consequences for contractors. The penalties tend to be severe and do not allow for equitable remedies. This CLE course will offer a basic overview of the rules in California and explain the consequences for contractors operating without one. The course will review the purpose of the licensing laws and how they are applied to contractors and those who perform construction services as well as exemptions to applicability. Recent case law c... More Info

    $29
    1.1General Credits
  • Residential Lease Drafting Primer

    Whether you are a seasoned practitioner or a newcomer to the field, the skills of lease drafting are essential to ensuring your client’s success. This CLE course, will cover the essentials of drafting a residential lease. The course will explain specialized clauses and the specific language they require as well as the theory and rationale behind these recommendations. The course will include lesser-known clauses that may rarely appear in today’s leases and yet speak directly to some of... More Info

    $55
    2General Credits
  • Estate Planning for Attorneys Who Help Business Owners

    Clients who own small businesses have particular needs and concerns with regards to estate planning. This CLE course will prepare estate planning attorneys to serve those clients as part of their overall estate planning. The course will go far beyond the issue of wills and delve into operations, employees, customers, vendors, leases, licenses and a slew of other issues as part of their estate plan. The course will assist attorneys in managing their clients’ expectations as well... More Info

    $55
    1.5General Credits
  • Counseling Real Estate Brokers on Common Legal Mistakes

    Training and preparation are critical to providing effective legal services and representation for commercial real estate brokers. This includes ensuring that brokers understand and know how to avoid the risks and missteps that could land them in litigation. This CLE course will offer a comprehensive summary of the most common issues that brokers face (and the lawsuits that may result) and present tips and strategies for attorneys to help prepare broker clients to represent their clien... More Info

    $29
    1General Credit
  • Citizenship and Residence: Prerequisites to Extra Territorial Taxation

    This comprehensive CLE course will examine the many jurisdictional bases for the imposition of tax on extra-territorial income. The course will focus on natural persons and the meanings that are typically ascribed to the variety of bases for the code. The course will cover state statutes as well as some countries’, residence status for the purpose of tax treaties, dual residents, the planning for and acquisition of status, planning for and relinquishing status, expatriation, and the e... More Info

    $55
    1.5General Credits
  • What Every Practitioner Needs to Know about Property and Business Interruption Appraisals: A Unique ADR Forum

    Insurance coverage has always been big business, and with catastrophic global events such as hurricanes and wildfires becoming more common, it is even more so. This CLE course will address how to manage situations in which a property or business interruption claim cannot be settled. The course will offer concrete alternatives to litigation, particularly given that insurance policies require parties on both sides to resolve their dispute in Appraisal over the value of loss and damage, which is un... More Info

    $29
    1General Credit
  • Everything Attorneys Need to Know in Order to Effectively Master a Residential NY Real Estate Contract

    New York Residential Real Estate contracts have many moving parts. This CLE course is designed to decipher all the details covered in these contracts as well as the foundation of the provisions. The course will cover amplification, modification and removal or embellishment of the various provisions in order to effectively protect your clients whether they are the sellers or the purchasers. More Info

    $55
    2General Credits
  • Post Disaster Insurance Resolution

    Losing your home or business can feel like an irrecoverable loss. And on top of everything, there are thousands of decisions that need to be made in the wake of such a tragedy. This CLE course will help attorneys to better advise property owners throughout the insurance claim process. The course will offer a comprehensive understanding of the many opportunities and challenges as they restore their property and livelihood. The course will present a detailed overview of recovery in the s... More Info

    $29
    1General Credit
  • The Intersection of Cannabis Law, Real Estate, and Local Government Policy

    Cannabis law generally brings to mind regulatory, transactional and possibly even litigation and M&A. However the most challenging aspect of cannabis law is actually real estate, as all cannabis businesses are tied to a piece of land and are thereby dictated by state and local regulations which guide eligibility. With local land use, real estate transactions and complex leaseback agreements combined with the intricacy of landlord/tenant issues, municipal land use attorneys, real estate... More Info

    $29
    1General Credit
  • Back to Normal: Handling New Jersey Landlord-Tenant Matters in the Post-Covid Era

    Since the COVID-19 pandemic, words such as “moratorium” and “eviction” became fairly commonplace. While many practices experienced extreme upheaval since the pandemic, none seemed affected as much as landlord/tenant practice. This CLE course will explore how to proceed from COVID-era practice to a return to standard practices with a presentation on basic concepts of New Jersey landlord/tenant law. The course will examine modifications made during the pandemic and will offer an overview... More Info

    $29
    1.1General Credits
  • Legal Debt Collection: Best Practices in the Current Environment

    Debt collection has many potential pitfalls. This CLE course will present the various methods that are most effective in debt collection law practice. The course will review the potential challenges as well as offer tips and strategies for how to avoid them. Offering a basic review for those exploring the field, the course will cover legal practice issues from the start of the process through resolution. More Info

    $29
    1General Credit
  • Building a Successful Solo Mergers and Acquisitions Practice

    This informative CLE course will present the various tools that all successful merger and acquisition practices should have. The course will review the use of flowcharts and checklists as well as offer practice tips, client management strategies and software recommendations. More Info

    $29
    1.2General Credits
  • The New Infrastructure Bill and Your Need to Understand Design-Build and Engineer-Procure-Construct Projects

    This CLE course will offer insight regarding the issues that attorneys should consider when drafting construction contracts. The course will review: Drafting Mechanics Liens Delay Damages Termination Liquidated vs. Actual Damages Material Escalation Costs Change Orders Insurance Bonds Dispute Resolution More Info

    $29
    1.2General Credits
  • Issues To Consider When Drafting Construction Contracts

    This CLE course will offer insight regarding the issues that attorneys should consider when drafting construction contracts. The course will review: Drafting Mechanics Liens Delay Damages Termination Liquidated vs. Actual Damages Material Escalation Costs Change Orders Insurance Bonds Dispute Resolution More Info

    $55
    1.5General Credits
  • How Lawyers Can Represent Brokers Beyond Their State Licensing

    Nobody enjoys being told what to do, and brokers chafe at being limited to practicing in particular states because their license limits their ability to work across the country. This CLE course will explain license portability, how it differs from license reciprocity and the various states’ limitations on what that allows out-of-state brokers to do. The course will explain how to find and interpret license law limitations as well as counsel broker clients on what actions can be... More Info

    $29
    1General Credit
  • Evolution Of An Eviction Moratorium: Landlord Tenant Strategies And Emergency Rental Assistance

    New York’s eviction moratorium has evolved dramatically since the outset of the pandemic. This CLE course will explain that evolution within the context of the court’s strategy in handling a huge backlog in evictions. The course will explain the success in moving forward with their congested calendar and the de facto stay that is being put in place for tenants who apply to the Emergency Rental Assistance Program (ERAP). The course will present the expectations that applicants must have... More Info

    $29
    1.3General Credits
  • Transit Oriented Development: An Exciting Pillar of Urban Development

    Infrastructure is critical to the success of urban development. Transit-oriented development takes this into account by developing a building or area around public transit infrastructure such as a Metro train station. When applied to suburban development, it includes a vast amount of coordination of land use including community outreach, walkable neighborhoods, economic development, suburban renewal and transportation planning. This CLE course will explain the forces driving vibrant, l... More Info

    $55
    1.5General Credits
  • Reverse Mortgages: Stay In Your House For The Rest Of Your Life? Not So Fast!

    Reverse mortgage holders often file foreclosure actions without any basis for doing so. This CLE course will present a detailed overview of the determinations, which are at times very problematic, of reverse mortgage servicers of non-occupancy by borrowers. The course will also offer guidance to attorneys who need to litigate these actions on their clients’ behalf. Valuable insight into the effective handling of the entire process of such cases will be reviewed. More Info

    $29
    1.2General Credits
  • Advanced 1031 Exchange Topics: Reverse and Improvement Transactions

    With a specific focus on Rev. Proc. 2000-37 – Reverse Exchanges, this CLE course will look closely at some of the more advanced aspects of 1031 Exchanges. The course will present different types of “parking” transactions including those related to improvement exchanges. Various strategies for consideration as they relate to partnership issues, which is often the result of 1031 Exchanges, will be discussed. More Info

    $29
    1General Credit
  • Unfair, Deceptive, or Abusive Acts or Practices: “I’ll Know It When I See It…”

    One of the most important regulations in the mortgage industry, UDAAP or Unfair, Deceptive, or Abusive Acts or Practices impacts every other lending regulation including marketing, fair lending, licensing and communication). It also impacts every aspect of the lending cycle. The regulation, however, is fairly subjective and difficult to defend against. This CLE course will explain how the regulation operates in practice and provide critical knowledge for lending and real estate lawyers... More Info

    $29
    1.1General Credits
  • A Search for Perfection: Fundamentals of UCC Article 9

    The complexity of Article 9 of the UCC’s technical rules for secured transactions can be a challenge. This CLE course will offer a comprehensive overview of the major concepts that attorneys need to know about Article 9. The course offers a practical approach which outlines the fundamental issues from defining secured transactions to potential remedies for default. The course will also review the various perfections of security interests and priority issues and rules. More Info

    $29
    1.1General Credits
  • GRAT and Valuation Planning After CCA 202152018: What Practitioners Need to Know

    The CCA 202152018, released at the end of 2021, addresses the valuation challenge regarding the consideration that should be given to a potential sale when valuing an asset. Its impact on grantor retained annuity trusts (GRATs) and how an appraiser valuates the implications of a potential sale from no sale, conversations with buyers, letters of intent, binding contracts and so forth across the continuum. The recent changes place a possible sale fairly close to an actual sale in the pro... More Info

    $29
    1.3General Credits
  • Foreclosure: Mastering After The Sale Challenges

    This comprehensive CLE course will prepare real estate attorneys to manage standard post foreclosure sale processes as well as manage client expectations and those of other involved parties. The course will assist attorneys in identifying potential post-foreclosure sale challenges and proactively strategize in how to address and solve them. The course will cover: Post-judgement costs Interest Attorney fees Bankruptcy Missed liens Possession Procedural challenges More Info

    $55
    1.8General Credits
  • Navigating Landlord Tenant Disputes in A Post-COVID World

    Landlord/tenant litigation and dispute resolution has undergone a massive upheaval as a result of COVID-19. Enforcing what was previously straight-forward lease defaults, such as non-payment of rent, have been increasingly difficult as a result of evolving procedural requirements resulting from a tide of Executive and Administrative Orders. This CLE course will seek to summarize the current procedural stature of landlord/tenant litigation in Supreme and Civil Court, as well as offer a... More Info

    $29
    1.3General Credits
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