15. What is 'gratuitous bailment' and 'bailment for value' 16. What are the rights of a tenant in a residential lease and in a commercial lease. 17. What is the difference between a secured creditor and an unsecured creditor 18.Explain the difference between voluntary and involuntary bankruptcy 19.Do sole proprietorships, partnerships and corporations face the same liability. Explain 20. What are the advantages and disadvantages of sole proprietorships, partnerships and corporations 21. What does the term 'separate legal entity' apply to, and what is its significance 22. When would the courts lift the corporate veil