Colorado CLE - Real Estate Courses

This is a listing of Real Estate CLE Courses for Colorado. Please make your selection below of Colorado 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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  • Protecting Your Family Home Through Trusts

    All too often, the senior client may find themselves in a dire predicament. Immediate long-term nursing home care is needed and they do not have private funds or long-term care insurance to pay for such care. An individual’s primary asset is often the home in which he or she resides, and there is a common misconception that in such instances, the only recourse would be to sell one’s home and to use the entire proceeds to pay for long-term care needs. This CLE course will provid... More Info

    $50
    1General Credit

  • Do's and Don'ts for Zoning Hearings

    What is a public hearing and why is it necessary. Is it different from a public meeting? This CLE program will help you understand the importance of public hearings especially in the context of zoning and land use projects. The do's and don’ts of what to say, what not to say and how to make sure you successfully comply with procedure and technical aspects of a public hearing will be fully explained during this seminar by an experienced land use attorney. The presenter is a seasoned pra... More Info

    $50
    1General Credit

  • Defying Limits: Breaking the Boundaries of Adverse Possession

    Adverse possession is a phrase we all learned in law school, and then promptly forgot. But the concept has been with human society for millennia, and will likely last until the final day a person walks the earth. So long as the elements are met, adverse possession gives people the right to automatically be deemed owners of real estate that they may not have purchased – even without filing a suit for such relief. This CLE course will address the various secrets, critical elements, and... More Info

    $100
    2General Credits

  • Top 10 Lease Mistakes & Pitfalls and How to Steer Clear of Them

    This program will provide an overview of commercial real estate leasing and the common mistakes made by those drafting and reviewing such leases. Although geared towards landlords and the pitfalls they want to avoid, it will also address some tenant concerns and the best way to negotiate the terms of the lease, from both viewpoints. We will examine the most common provisions in a commercial lease, how to ensure that the parties are protected from unintended consequences and ways to m... More Info

    $100
    2General Credits

  • Mortgage Mayhem: What Attorneys Need to Know About Loan Applicant Protections

    The most confusing, time consuming, stressful and infrequent transaction your clients will face is purchasing a home. Because of this, most consumers simply check-out and become overly-reliant on the loan officer to protect their interests. Consumers say, “Let the experts handle it. I’m here for the coffee.” This is a mistake. A home loan is a “zero-sum” game for the loan officer – either the loan closes or it doesn’t. There is a commission or there isn’t. As a result, some loan officers stack... More Info

    $50
    1General Credit

  • Things That a Real Estate Attorney Doesn't Want to Hear

    This informative CLE course will address 50 selected inquiries that are posed to Real Estate Attorneys on a daily basis. The course will offer thorough, in-depth and creative responses to address those inquiries. While many of the inquiries are weighty, some seem fairly obvious and yet, the course will address all questions no matter how basic, providing a model for Real Estate Attorneys, who risk harming potential client relationships by ignoring seemingly foolish questions by those not knowl... More Info

    $100
    2General Credits

  • 1031 Exchanges: Ethical Considerations

    1031 Exchanges can often be complex. This comprehensive CLE course will explain the best practices and wide variety of ethical considerations involved in 1031 Exchanges. The course will include: Qualifying Property Scope of Representation Conflicts of Interest Identification Qualified Intermediaries And more… More Info

    $50
    1Ethics Credit

  • Constitutional Challenges to the Foreclosure Abuse Prevention Act

    The Foreclosure Abuse Prevention Act (FAPA) was enacted by the New York State Legislature to correct perceived manipulations of the statute of limitations in foreclosure actions pending in New York State. In this course, FAPA is discussed in relation to how it affects various provisions of the CPLR, the RPAPL and GOL. In addition, FAPA has been challenged as unconstitutional on various grounds: including substantive due process, contracts clause and separation of powers. These constitutio... More Info

    $50
    1General Credit

  • Commercial Pace, The New Kid On The Block: The Legal Framework For A New Form Of Commercial Real Estate Financing

    Commercial Property Assessed Clean Energy Financing (C-PACE) is one of the newest financial tools for property owners and developers in the country. Offering lower interest and longer terms with a super-priority lien, it behaves like a muni bond but can be put into a capital stack. Find out the legal ins and outs of how this is enabled, its legal structure and status, and how you can put it to work for your clients, whether they be private owners, developers, banks, or local governmen... More Info

    $50
    1General Credit

  • Who Has The Power and Authority to Convey Real Estate in Various Situations

    This CLE lecture is designed to enlighten attorneys as to precisely who has the authority to sell, transfer and/or convey real estate. Oftentimes, Sellers, unbeknownst to themselves, believe they have an interest in real estate, only to learn otherwise. From a descent and distribution perspective, we will be discussing precisely who has the authority to convey the real estate in question. We will be further discussing the right to convey by operation of law. More Info

    $100
    2General Credits

  • Municipal Law: General Civil Overview

    Many may be unaware, but municipal law has an impact on our daily lives. Municipal lawyers provide service to municipal clients, including cities, towns, boroughs, counties, and special districts. Municipal attorneys will often find themselves handling a full range of legal issues, from advising the governing authority, to defending suits brought against the municipality to drafting ordinances and contacting for purchases and development. This broad field can involve land acquisition,... More Info

    $50
    1General Credit

  • Contractual Deal Killers In Real Estate Law: What Attorneys Need to Know

    This CLE course will provide insight into the potential contractual issues to consider when representing clients in NY residential real estate. The topics discussed are as follows: Different contracts for Condo’s and coops Coop Contract Condo Contract Single Family and Multi Family Contracts Contractual Areas of Consideration Mortgage Commitment Title Investigation Liens and Violations Teamwork More Info

    $50
    1General Credit

  • Fair and Equitable Housing Regulations and Legal Ethics in Real Estate

    Real Estate Attorneys and Real Estate Professionals, including Realtors and Appraisers, must exercise ethical conduct towards all parties including Sellers and Purchasers of a residential real estate transaction. Our panelists will focus on the due diligence and legal ethics that should be exercised in assisting your clients to make a well informed decision to sign a residential contract and purchase a home. Given the current events, changing mortgage interest rates and shortage of home... More Info

    $50
    1General Credit

  • Was the Pandemic a Short or Long Term Bankruptcy Sickness

    This course will consist of a short, general description of bankruptcy law history and a description of the different types (Chapters) available and their basic respective functions and differences. There will be a discussion of the last significant Bankruptcy Code amendments effective in 2005. The course materials will include the set of current bankruptcy Schedules and Chapter 13 form plan and explain how to complete these. Finally, the course will include a brief description of bank... More Info

    $100
    2General Credits

  • Recent Constitutional Challenges to Rent Regulations

    How is it that state governments can require landlords to hold rents below market levels without running afoul of the Fifth Amendment’s command 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”? This question has been raised and answered in various ways since the 1920’s – almost always in favor of government authority to regulate rents. In this CLE course, we will examine recent... More Info

    $50
    1General Credit

  • NYS 2023 Notary Public & Remote Online Notarization Regulations: The Basics and Applications to Real Estate Transactions

    On January 25, 2023 the new Part 182.2-182.11 of the Rules and Regulations of the Department of State (Part 182) became effective governing and changing record-keeping requirements for NYS notaries, providing identity verification procedures, authorizing electronic notarization, providing for a separate notarial commission for electronic notary services and repealing remote ink notarization. Our expert panel will discuss the new requirements, their application to real estate transactions... More Info

    $50
    1General Credit

  • Broker Lien Rights: What Attorneys Need to Know

    This CLE course offers an overview of commercial real estate broker lien rights in 34 states, taught by a 46 year attorney who authored or lobbied on behalf of roughly half of those statutes. Topics addressed include the scope of commission claims which are protected, legislative history, the prerequisites for the lien claim, timing, and key tips on enforcement. Hear from the author of these statutes and his 31 years of lien practice in multiple states, from drafting the lien, assertin... More Info

    $100
    2General Credits

  • Pitfalls To Avoid When Real Estate and Matrimonial Issues Collide

    Matrimonial law is a challenging area of practice because of how much the practitioner needs to know. It touches upon and overlaps with many other areas of law including tax, trusts and estates, immigration, contract law, criminal law, property, insurance and real estate. One complex area to understand is when matrimonial and real estate law overlap. It is common for a couple who is divorcing to also own real estate, commonly the marital residence. In some instances, the couple may o... More Info

    $50
    1General Credit

  • Housing Justice 101: Understanding the Fair Housing Act

    In this CLE course, participants will gain a comprehensive understanding of the Fair Housing Act, a landmark federal law that prohibits housing discrimination based on race, color, national origin, religion, sex, familial status, and disability. This seminar will cover key provisions of the act, including fair housing advertising and marketing, discriminatory practices, and the role of government agencies in enforcing fair housing laws. Participants will also learn about their... More Info

    $50
    1General Credit

  • Skip Tracing for Lawyers

    Attorneys in most areas of practice, especially trust and estates, personal injury, malpractice, debt collection and real estate law occasionally encounter situations requiring the location of missing people. This includes heirs, beneficiaries, witnesses, shareholders and debtors. In many instances, with the proper knowledge, resources and creativity, lawyers may be able to locate these absentees without having to retain the services of private investigators or skip tracers. This conti... More Info

    $100
    2General Credits

  • Trends in Property Law Post-Pandemic

    This CLE course covers recent development in New York real property law, focusing on the changes brought about by the recent pandemic and societal recovery in its aftermath. Topics include representation of clients in eviction proceedings—both residential and commercial, landlord and tenant. Orders to show cause, motions, evidentiary issues and trial practice are among the litigation techniques discussed. The course also covers foreclosure litigation and the new statutes affecting forecl... More Info

    $50
    1General Credit

  • Landlords’ Concerns in Airbnb-ing

    This program presented by an author and leading landlord-tenant practitioner, draws on his experience representing landlords in litigation arising from tenants who sublease out their apartments for short term rentals, usually in violation of the law, typically in violation of their lease. The course looks from multiple angles at the dangers these rentals present to landlords and to the apartment community. It also addresses how landlords can respond to these violations. Finally... More Info

    $100
    2General Credits

  • Things That Make you Go Hmmm... Points That Every Real Estate Attorney Needs to Know

    This CLE lecture is intended to cover matters that many real estate attorneys are familiar with, that they've heard of, but they cannot readily place their finger on the why's, the how's and the when's. As such, we want to get to the source of these queries. Furthermore, we intend to expand upon new developments, including the legislative endeavor to legalize what are, otherwise, "illegal apartments". We further intend to discuss ineffective deed transfers, and lastly, the latest regul... More Info

    $150
    3General Credits

  • Rules and Principles of The Division of Real Estate Between Married and Unmarried Partners

    This CLE course will focus on the division of real estate among divorcing couples. We will discuss how prenuptial and midmarriage agreements can protect the spouse's interest in the property and especially if a down-payment was provided by a family member. The course will also describe the pitfalls that befall practitioners when drafting divorce or separation agreements dealing with sale and buyout of real property. Examples and practice pointers will be provided. More Info

    $50
    1General Credit

  • The Highs and Lows of Cannabis Land Use Regulations

    More than 155 million Americans now live in states with legal weed. Maryland and Missouri passed legalization earlier this month, meaning there are now 21 states where anyone at least 21 years old will be able to legally possess marijuana. While people will soon be able to legally purchase and use marijuana in 21 states, cannabis remains classified as a Schedule I drug on the Controlled Substances Act, the same category as heroin. That means cannabis use can still be a disqualifying factor for... More Info

    $100
    2General Credits

  • A Guide To Navigating The Maze Of New York City Zoning And Land Use

    This CLE course will offer a comprehensive introduction to zoning and land use, specifically in New York City. The course will present discussions of parking regulations of the Zoning Resolution, including use and bulk as well as the transfer of “air rights”. Mandatory affordable housing and the continuation of non-conforming uses and discretionary approvals, including that of special permits, variances and re-zoning, will be discussed. More Info

    $50
    1General Credit

  • The Hidden Secrets of Constructive Trust Litigation

    This CLE course will address the hidden secrets of constructive trust litigation. A typical example could be if one’s client has executed a deed signing away his property, with full knowledge of what he was doing. However, he had an "understanding" that he would get it back someday. Does the statute of frauds bar relief? Maybe not. The author of the new book "Litigating Constructive Trusts" reveals some critical issues that come up in constructive trust cases, and how to use those matt... More Info

    $100
    2General Credits

  • Don’t Get Caught Without A Contractor’s License: The Downfalls and Damages of Working Without a License

    This course covers the basic overview of construction contractor licensing laws in California and discusses the consequences of violating the licensing requirements. We will cover the purpose of the licensing laws and their application to those who perform construction services, as well as applicable exemptions. The penalties for a violation can be severe and do not allow for equitable remedies. We will review recent case law that clarifies the remedy available to a project owner wh... More Info

    $50
    1General Credit

  • Residential Lease Drafting Primer

    In a course designed both for the seasoned practitioner and the newcomer to lease drafting, this CLE course discusses the essentials in drafting a residential lease and provides specific language for specialized clauses. The course includes theory, rationale, and specific language for suggested lease clauses. While some of these clauses are rarely found in modern day leases, they certainly should be as they speak to some of the hottest topics in the field. More Info

    $150
    3General Credits

  • Citizenship and Residence: Prerequisites to Extra Territorial Taxation

    An examination of the various (jurisdictional) bases for imposing tax on the extra-territorial income of persons with an emphasis on natural persons; the meanings ascribed to the various different bases under the Code, some State statutes, some countries; residence status for tax treaty purposes; dual residence; acquisition of status and planning therefor; relinquishment of status and planning therefor; expatriation meaning and departure tax enforceability and planning. The syllabus wi... More Info

    $100
    2General Credits

  • What Every Practitioner Needs to Know about Property and Business Interruption Appraisals: A Unique ADR Forum

    Recent catastrophic events such as hurricanes, wildfires, and the global pandemic have spotlighted important insurance coverage protecting property and business interruption. Previous courses I presented have provided insight into the coverage terms and conditions that apply, and the process by which catastrophic claims should be managed and submitted. But what happens when a property or business interruption claim cannot be settled? This course answers the question. Some might think... More Info

    $50
    1General Credit

  • Everything Attorneys Need to Know in Order to Effectively Master a Residential NY Real Estate Contract

    This lecture is designed to effectively decipher all of the moving parts that make up a Residential New York Real Estate Contract. We will cover not only that which is detailed in the Contract, but the “why’s and how’s” as to those provisions, as well as those provisions that require amplification, modification, removal and/or embellishment, in order to effectively protect your Client, be it a Seller or a Purchaser, to the Contract. We will cover not only that which is detailed in the C... More Info

    $100
    2General Credits

  • Post Disaster Insurance Resolution

    Individuals who lost their home or business in a disaster are faced with so many decisions! Attorneys can help property owners in the insurance claim process by understanding the many opportunities and challenges on the pathway of restoring their property and their livelihood. This CLE presentation will dive into the details of recovery in an insurance claim setting, including claim terminology, replacement cost estimating, and construction issues. Equipped with this knowledge... More Info

    $50
    1General Credit

  • The Intersection of Cannabis Law, Real Estate, and Local Government Policy

    When most attorneys think of cannabis law, they think regulatory, transactional, maybe even some litigation and M&A, but what most don't realize is that one of the most challenging parts of the cannabis industry is real estate. All cannabis business licenses are tied to a piece of real estate, and the state and local regulations that dictate what properties are permissible for cannabis businesses vary greatly. Between local land use, real estate transactions, complex sale leaseback a... More Info

    $50
    1General Credit

  • Commercial Lease Disputes: To Litigate or Arbitrate; Which is the Best Way to Resolve Them

    During the COVID/Post-COVID Era there seems to be a proliferation of disputes between tenants and commercial landlords. So what is the best way to resolve them? Our panel of experts will discuss the pros and cons of commercial lease litigation as well as the pros and cons of commercial lease arbitration. There will also be a panel discussion of the hot button issues and ample time for questions and answers from the audience. More Info

    $100
    2General Credits

  • Legal Debt Collection: Best Practices in the Current Environment

    Discover methods that work in the debt collection law practice. Learn where the pitfalls are and how to avoid them. This is a basic course for those who are interested in exploring this field of law. In this CLE we will explore the collection legal practice from beginning to resolution. More Info

    $50
    1General Credit

  • Building a Successful Solo Mergers and Acquisitions Practice

    This CLE program will focus on the tools needed to add a successful mergers and acquisition practice in your firm.. Take a step-by-step look at key issues including: what is an M&A practice, flowcharts, checklists, practice tips, software suggestions and client management hints. More Info

    $100
    2General Credits

  • The New Infrastructure Bill and Your Need to Understand Design-Build and Engineer-Procure-Construct Projects

    Public entities/agencies will want to get funding to work as quick as possible. They will want to avoid the time constraints and design-liability associated with design-bid-build. As a result, there will be a move to design-build (also sometimes referred to as Engineer/Procure/Construct (EPC) projects) in order for these projects to be started as quickly as possible, and to hopefully mitigate exposure for claims. The problem is that the change in legal dynamics associated with desig... More Info

    $100
    2General Credits

  • Issues To Consider When Drafting Construction Contracts

    This CLE course will provide insight as to the Issues that should be considered when drafting Construction Contracts. The topics discussed are as follows: Drafting Construction Contracts, Mechanics Liens, Termination, Delay Damages, Liquidated v actual damages, Change Orders, Material escalation costs, Insurance and Bonds, and Dispute resolution. More Info

    $100
    2General Credits

  • How Lawyers Can Represent Brokers Beyond Their State Licensing

    Brokers want to make deals throughout the nation, and chafe at the idea that their single state license will limit their ability or right to legally work on deals in other states. License portability-which is NOT license reciprocity-will allow this to occur, when the broker cooperates with a licensee of the state where the property is located. However, different states have different limitations on just what these out of state brokers can legally do. Learn how to find, inter... More Info

    $50
    1General Credit

  • Evolution Of An Eviction Moratorium: Landlord Tenant Strategies And Emergency Rental Assistance

    This CLE course explores the evolution of New York’s eviction moratorium, starting at the outset of the pandemic to more fully understand the court’s strategy to handle the evictions backlog. Courts are moving forward with their congested calendar; however, a de facto stay will be in place for tenants who apply for New York’s Emergency Rental Assistance Program (“ERAP”). Parties should adjust their expectations accordingly as ERAP applications are likely to delay many eviction proceedi... More Info

    $100
    2General Credits

  • Transit Oriented Development: An Exciting Pillar of Urban Development

    Transit-oriented development involves developing an individual building or planning an entire area around public transit infrastructure such as a Metra train station. Suburban TOD in particular involves the coordination of many aspects of land use including: community outreach, suburban renewal and walkable neighborhoods, economic development, and transportation planning. Demand for TOD has grown significantly in recent years leading to more vibrant, livable, sustainable communities ce... More Info

    $100
    2General Credits

  • Reverse Mortgages: Stay In Your House For The Rest Of Your Life? Not So Fast!

    This CLE Course will discuss in detail, how Reverse Mortgage holders often times file foreclosure actions without any basis to support the actions. The course will examine the problematic determinations by the Reverse Mortgage servicers of non-occupancy by Borrowers and provide guidance for attorneys to properly litigate these actions for their clients. You will be provided valuable insight as to how to effectively and powerfully handle these cases for your clients from incepti... More Info

    $100
    2General Credits

  • Selling and Purchasing Real Property Through Decedents’ Estates

    Our expert panel will address how to convey good title out of a deceased individual's estate where: there are defined deed tenancy and survival recitals; there is probate of a last will and testament and death with a will; there are administration proceedings and death without a will; deeds from sole heirs with no probate or administration; and other unique cases of passing a decedent's interests More Info

    $100
    2General Credits

  • Advanced 1031 Exchange Topics: Reverse and Improvement Transactions

    The course will take a closer look at some advanced aspects of 1031 Exchanges, namely Rev. Proc. 2000-37 - Reverse Exchanges. Different forms of “parking” transactions will be discussed, including improvement exchanges. Additionally, 1031 Exchanges often give rise to Partnership issues – various strategies for consideration will be covered. More Info

    $50
    1General Credit

  • Unfair, Deceptive, or Abusive Acts or Practices: “I’ll Know It When I See It…”

    Welcome to Unfair, Deceptive, or Abusive Acts or Practices (UDAAP). UDAAP is arguably the most important regulation in the mortgage industry. UDAAP impacts every other lending regulation (marketing, fair lending, licensing & communication…) and it impacts every part of the lending cycle (advertising thru servicing closed loans.) What makes this regulation so difficult for mortgage lenders is that it is very subjective (“reasonable consumer” point of view) and is very difficult to defend agains... More Info

    $50
    1General Credit

  • A Search for Perfection: Fundamentals of UCC Article 9

    Article 9 of the UCC contains a dense set of technical rules relating to secured transactions, all of which can be challenging to unwind. This course is intended to provide a general survey of some the key ideas concerning Article 9, outlining concepts that attorneys should know. Taking a practical approach to exploring Article 9, delving into the fundamentals, from the definition of secured transactions to potential remedies from defaults incurred under the statute. This CLE C... More Info

    $50
    1General Credit

  • Foreclosure: Mastering After The Sale Challenges

    The purpose of this course is to prepare real estate attorneys for managing ‘normal’ post foreclosure sale processes, managing client expectations and managing the expectations of the other players involved in the foreclosure sale process, help attorneys identify potential post-foreclosure sale challenges, and help attorneys solve post-foreclosure sale challenges proactively. This CLE course will also address Several Challenges faced in the Foreclosure process: Post-Judgment Costs,... More Info

    $100
    2General Credits

  • Navigating Landlord Tenant Disputes in A Post-COVID World

    Like all other aspects of life, COVID has affected the litigation and resolution of disputes between landlord and tenants in New York City area. The enforcement of straight forward lease defaults such as the nonpayment of rent have become more difficult to navigate due to ever changing procedural requirements resulting from numerous Executive and Administrative Orders. This lecture will summarize the current procedural stature of landlord/tenant litigation in the Civil and Supreme Co... More Info

    $100
    2General Credits

  • Introduction to Chapter 11, Subchapter V: An Accessible and Affordable Option for Small Businesses

    Due to the significant federal and state response to Covid-19, including stimulus payments and eviction moratoriums, bankruptcy filings have reached record lows. However, as funds run out and government programs expire, small businesses looking for a new lifeline may consider Subchapter V of Chapter 11 of the Bankruptcy Code. This CLE provides counsel representing creditors and debtors with an introduction to Subchapter V, a roadmap for plan approval, commercial lease issues, a... More Info

    $100
    2General Credits

  • Understanding Asset Protection

    Learn what tools are available to more effectively shield yourself from the effects of any lawsuit by protecting your personal wealth. The panel will discuss the following Topics: History of asset protection in the United States and abroad Understanding which assets are/are not exempt under state and federal law Identifying and understanding different types of risk How to protect real estate and other physical assets How to protect securities and other liquid assets The differe... More Info

    $100
    2General Credits

  • A Hundred Little Things: Negotiating Commercial Real Estate Leases, Focusing on Technology, Ethics and COVID Amendments

    This advanced CLE course is designed to benefit lawyers working in a variety of fields. While it is not meant to function as a primer on individual lease clauses, it does address the type of lawyer who needs to make sure all stakeholders are consulted and heard as well as technology buffs and those who wake up wondering if they asked their client to check the stacking plan in the building before agreeing to an expansion. Beyond that, the course is relevant to anyone whose clients are... More Info

    $100
    2General Credits

  • Business Interruption Coverage Post-Covid: Property and Business Interruption Claims and Forensic Accounting

    Covid-19 has impacted the economy in so many ways. Private organizations and public entities have turned to their Business Interruption insurance policy to help offset their income losses resulting from the pandemic. This course will explore the current status of insurance claims for business interruption, and explain how a claimant needs to prepare, present and support their lost income claim. Presented by two of the most experienced professionals in business interruption insu... More Info

    $50
    1General Credit

  • Ethical Considerations for Counseling IRC Section 1031 Exchanges

    This CLE course will highlight the Rules of Professional Conduct as they may intersect with 1031 Exchanges. The presentation will include: competency, scope of representation, conflict of interest issues and selection considerations of the Qualified Intermediary. Throughout the presentation, case-studies will be discussed. More Info

    $50
    1Ethics Credit

  • Man Your Battle Stations: Construction Claims & Successful Resolution

    You may have known this moment was coming. There were plenty of indications along the way as the work proceeded. You may have instructed your client to keep the right kind of records and compose the right kind of letters as the work proceeded, and hoped your instructions were followed. Or, you may have been introduced late to the project and now are faced with the familiar “it is what it is” when it comes to how your client has handled the situation and the available documentation. E... More Info

    $150
    3General Credits

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