In November 1991, plaintiff Michael Stutman and his wife, plaintiff Jeanette Rodriguez, borrowed $175,000 from defendant Chemical Bank (now merged into the Chase Manhattan Bank) to finance the purchase of a cooperative apartment. The loan was secured by plaintiffs' shares in the co-op. The note covering the loan permitted plaintiffs to prepay the principal at any time without incurring "any prepayment charge." The note stated:"I have the right to make payments of principal at any time before they are due. * * * I may make a full prepayment or partial prepayments without paying any prepayment charge." In February 1994, plaintiffs sought to refinance their loan with a new loan from Citibank, using the same shares of stock as collateral. Chemical, however, would not release the collateral until it received the funds to satisfy the loan, and Citibank would not release the funds for the new loan until it received the collateral. Chemical informed plaintiffs that it would charge a $275 "attorney's fee" to arrange a simultaneous transfer in which Chemical would deliver the collateral and other documents to Citibank in exchange for the funds. Plaintiffs initially objected to the fee, but then decided to pay it, under protest, in order to complete the refinancing. About a day after plaintiffs "closed" the loan with Citibank, a representative from Chemicalwho plaintiffs allege was not an attorneydelivered the collateral and other unidentified documents to Citibank. Simultaneously, Citibank gave the representative a check which retired the Chemical Bank loan. Plaintiffs then brought the instant lawsuit, on behalf of themselves and all persons similarly situated, alleging that the $275 charge was a deceptive practice under General Business Law 349, and that it violated the Federal Truth in Lending Act (TILA) (15 USC 1601et seq.). Plaintiffs also raised several common-law claims, including breach of contract, fraud and excessiveness of the $275 fee. Defendant removed the case to the United States District Court for the Southern District of New York. The District Court granted defendant's motion to dismiss the TILA claim, holding that the $275 charge was not a finance or prepayment charge under TILA, and that TILA did not create a general prohibition against making misleading statements in connection with loans. The court added that, in any event, the $275 charge was not misleading but was assessed for plaintiff's "special request" that the loan be refinanced through Citibank. Having dismissed the only Federal claim, and there being no diversity of citizenship, the District Court remanded the State claims to State court (Stutman v Chemical Bank,1996 US Dist LEXIS 13970, 1996 WL 539845[SD NY 1996]).

1.In diseases that have night sweats as a symptom (e.g. tuberculosis,

infective endocarditis), what causes the sweats to occur only at night and

not consistently during the day as well?

2.What dosage of steroids and duration of treatment should be given to

patients with idiopathic pulmonary fibrosis? What are the new drugs,

their recommended dosage and duration of treatment?

(a tumor necrosis factor- receptor blocker), and imatinib [a platelet-derived growth factor (PDGF) inhibitor].

3.Business intelligence (BI) is a broad category of application programs which includes

4.Business intelligence equips enterprises to gain business advantage from data

5.BI is a category of database software that provides an interface to help users quickly and interactively scrutinize the results in a variety of dimensions of the data

6._________ is a category of applications and technologies for presenting and analyzing corporate and external data.

7.________ is a performance management tool that recapitulates an organization's performance from several standpoints on a single page.

8.BI can catalyze a business's success in terms of?

9.If a nurse finds that a patient's abdominal wound has eviscerated, she should?

10.A patient with a history of heart disease can be put on a prophylactic antibiotic.