There are 4 Criteria that determine whether an item is a "fixture". State the 4 Criteria and give an example for each criteria. Identify three possible adverse effects of traditional zoning. Describe eminent domain and explain the current concern with its use for public purpose. Distinguish between conforming and nonconforming residential mortgage loans and explain the importance of the difference. Explain the importance of Fannie Mae and Freddie Mac to the housing finance system in the United States