9. Why is the Truth in Lending Act important? What did it do to help consumers? 10. What types of practices are prohibited under the Fair Debt Collection Practices Act? 11. What is a nuisance created by a business that you have either had to deal with personally or have witnessed someone else having to deal with? Do you believe this nuisance to be legally actionable? 12. What is strict liability and what is the reasoning behind it?