1. Suppose you own a parcel of land that city zoned for residential uses only. You'd like to build a small retail shop on the parcel. The city suggests that you apply to have the zoning changed (i.e. have the zoning officially changed to permit retail uses). If you follow the city's suggestion, what type of zoning relief will you have sought?

2. Explain how residential mortgages today differ from those that were common before the great depression.