Commercial Telephone Seminars

Commercial Loan Documentation ...commercial loan documentation has become more complex and hundreds of pages long, many loan officers and counsel have found it difficult to adequately review the documentation. This live audio conference will provide you with a comprehensive understanding of drafting and reviewing the key provisions of a credit agreement. You will also gain insight into typical collateral documents and working  more...

Collection Techniques for Landlords ...commercial landlords, consistent receipt of rent and other tenant charges is the key to their business. Most leases outline specific collection techniques and security mechanisms, such as security deposits and guaranties, intended to ensure that the landlord receives rent and other tenant charges consistently. However, the lingering effects of the recession are causing landlords to reevaluate  more...

Key Subcontracting Issues Including Flow-Down and Paid-if-Paid Provisions ...llectual property rights, and preserving ones status as a commercial item provider. Learning Objectives: - You will be able to explain when to start negotiating the form of subcontract. - You will be able to identify acceptance criteria, invoicing and payments. - You will be able to discuss restrictions on subcontracting and assignments. - You will be able to review small business concerns.  more...

Drafting Clear and Enforceable Contracts ...tablish and enforce rights, and to aid in obtaining their commercial and other goals. A well-drafted contract avoids misunderstanding, helps guide the parties in the course of their relationship, and can help avoid (or at least mitigate) litigation costs. This live audio conference addresses the essentials of good contract drafting, starting with the goals of contract drafting, and including  more...

GSA Leasing: Understanding The SFO Process, Negotiating The Lease and Dealing With The Government As The Tenant ...office space to simple warehousing requirements. When the commercial real estate market is in the doldrums, the federal government is always still there. Understanding how to successfully deal with the government and obtain a long-term stream of rental income should be a critical aspect of any prudent lessor's and investor's knowledge portfolio. This live audio conference is designed for  more...

Commercial Lease Negotiations and Due Diligence ...ease provisions and go back to the basics with respect to commercial leases. This live audio conference is ideal for beginners and experts alike, since each provision will start at the simplest level and go to the most sophisticated level. You will learn about the critical due diligence issues and developments that impact you, whether you work on large or small deals; whether you're involved in  more...

Trucking Litigation BenefitsLitigation involving trucking and bus companies seems straightforward. Unfortunately, nothing could be further from the truth when it comes to trucking tort cases. During this live audio conference, you will hear how to negotiate the waters and learn how the myriad of confusing federal and state regulations could torpedo your otherwise straightforward common law case. Hear from the former  more...

Effective UCC Search Strategies to Minimize Risk ...standing the recent revisions to Article 9 of the Uniform Commercial Code, the law that governs most consensual security interests, lien searching remains an art. Issues remain regarding what name to search, where to search and how to deal with past transactions conducted by the debtor's predecessors in interest or by the debtor under prior names or in prior locations. In addition, other liens  more...

But It's Only Our Opinion:The Legal Opinion In Commercial Transactions BenefitsA client is about to borrow $10,000,000 for acquisition of a new project and a copy of the bank's loan commitment and its 'standard form' of borrower's counsel legal opinion letter have just been received. Even for those who have dealt with such third-party legal opinions in the past, it's important to make sure everyone understands the applicable standards and the diligence expectations  more...

Commercial Ground Leases: A Conceptual Framework BenefitsProblem - We are all aware of the difficulties of today's real estate marketplace: a surfeit of properties on the market, depressed prices, fewer buyers and limited financing. One strategy property owners are pursuing to get properties back into use is ground leasing. It enables users to get onto a property without the capital outlay of a purchase, and it creates cash flow for the owner.  more...

Energy Efficiency Tax Incentives for Residential Builders and Commercial Building Owners ...ives available for builders and owners of residential and commercial real estate. These federal tax incentives are available for projects ranging from relatively simple building upgrades to the implementation of new electrical systems. The types of tax incentives available to taxpayers include tax deductions, tax credits, and payments of cash grants in lieu of tax benefits. These incentives are  more...

Winning at the Gate: Practical Lessons for Stating or Attacking Claims in a Post-Twombly/Iqbal World ...leading or attacking a claim, particularly in the complex commercial litigation arena. We will discuss strategies for approaching the race and plausibility trigger points for the starting gate. We also will discuss how context, business realities and the economics of litigation can factor into whether the starting gate actually opens. This live audio conference is primarily designed for  more...

Commercial Real Estate Financing: Current Trends & Opportunities BenefitsGet an in-depth look at the current trends and emerging opportunities in today's ever-changing real estate finance market. Experienced experts will discuss the current trends in the workout negotiations of troubled assets including bank loans and CMBS (conduit) loans including who the key players are and what possible outcomes exist from negotiations. Borrowers will learn how others are  more...

Commercial Tenant Notifications: Priorities and Pitfalls ...enefitsTenant notifications are a necessary aspect of all commercial leases and are being increasingly scrutinized by courts and legislative assemblies across the country. Indeed, a failure to correctly notify a tenant can jeopardize the landlord's right to collect amounts due and owing under the lease, prolong the right to evict a defaulting tenant and even expose an innocent landlord to civil  more...

How to Handle Travel Pay Legally ... send employees to conferences and other work sites using commercial travel and personal vehicles. This live audio conference will enable you to understand how and when to compensate an employee for travel time away from a work site. Attend this program and you will find out how to determine which employees are entitled to travel time pay and at what rate. With air travel being as busy as it is  more...

Understanding UCC Article 9 Foreclosures ...nt market conditions pose an alarming rate of defaults on commercial loans not seen in years. With defaults commonplace and secured creditors facing challenges in protecting their interests, foreclosing on assets under UCC Article 9 may be the right option. If appropriate, a public auction, private sale or friendly foreclosure under Article 9 may provide a quick and relatively inexpensive  more...

Due Diligence Considerations for Participation Loans ...commercial loans are syndicated or participated, and an increasing number of lenders sell interests in loans they originate or acquire interests in loans originated by other lenders. This audio conference will explore loan assignment and participation transactions from the perspective of the originating lender and the assignee or participant. You will learn about the nature, purposes and  more...

Foreclosure and Workout of Commercial Mortgage Loans in New York ...which is booming is New York's foreclosure and workout of commercial mortgage loans. New York foreclosures are becoming more complex and hard fought. From the massive foreclosure of Stuyvesant Town, to the highly-publicized foreclosure of One Madison Park, to the complex foreclosure of the Manhattan property where a crane fell, in March of 2008, understanding how to proceed in this challenging  more...

Illinois DUI Case Update BenefitsThe laws regarding DUI have changed more than any other crime in Illinois. Presumptions have become statutory violations. Judicial driving permits were created, then eradicated and replaced with alcohol detection machines. Reinstatement of licenses following revocation has left the realm of fiction, but only for those who can jump through all the hoops. You should attend this audio  more...

How Letters of Credit Work and Why Sometimes They Don't ...presenter will explain how these principles apply to both commercial and standby letters of credit, and how these two types differ. You will learn why letters of credit might not get paid. You will also learn about standard and silent confirmation, and how to get paid in hours instead of weeks. This audio conference is designed for attorneys, credit and collection managers, presidents, vice  more...

Commercial Site Development: A Case Study ...commercial site development from both a new and renovation approach. It will address issues of site assessment, budget, jurisdictional research and other aspects for development. You will receive a step-by-step guide and checklist for commercial site development for both new and existing projects. This audio conference will assist in establishing a comprehensive approach to anticipate the steps  more...

Contract Basics for Paralegals ...commercial relationships for most of us; yet for many the basics of contract law remain a mystery. There is often misinformation about such simple questions as 'Is a handshake enough?' or 'Do all the boilerplate terms of a contract really matter?' This audio conference will address these and many more issues surrounding the formation and enforcement of contracts. This audio conference is  more...

Commercial Landlord Tenant Law in California ...highest level in recent history, credit is tight and many commercial properties are under water. Nobody is sure what the future holds and this keeps a lot of people on the sidelines. This audio conference is geared to help you understand the current market dynamics, what kind of deals are possible, and what your priorities have to be in dealing with the current conditions. This audio  more...

Current Hot Topics in Lease Escalations: Avoid Theft by Additional Rentals ...sThe two costliest line item component issues in a killer commercial lease are fixed rentals and additional rentals. By far, the most expensive and least understood and budgeted for are the hidden costs of additional rentals. The killer lease forms in aggressive money market center cities can take the traditional incremental increases in operating expenses, real estate taxes and utility  more...

Best Practices in Performance-Based Service Procurement ...commercial best practice for many types of service procurements. The General Accountability Office says performance-based procurement is the government's primary resource for correcting problems in service procurement. In both the public and private sectors, it benefits the buying organization in many ways when done right. Performance-based procurement reduces buyer involvement and provides  more...

Agreements of Sale and Due Diligence in Commercial Real Estate Transactions BenefitsThe experienced attorney can help purchasers and sellers avoid needless aggravation and expense. Both parties to a land transaction have incentive to avoid protracted legal disputes. By negotiating and drafting effective agreements of sale and assisting clients with the performance of essential due diligence, attorneys can allocate the risks associated with land transactions and save their  more...

Commercial Loan Stress Testing Fundamentals ...will learn how to apply stress testing techniques to your commercial and commercial real estate portfolios, and integrate stress testing into your enterprise risk management function as it pertains to contingency planning and capital adequacy. This teleconference is designed for presidents, vice presidents, loan officers, loan department personnel, branch managers, credit and collections  more...

Emerging Trends in Metal Roofing ...st growing residential roof product, and its share of the commercial roofing market continues to grow. It is becoming a product of choice for architects, designers and facility managers looking for a durable and energy efficient roof material. Metal roofing is evolving with new energy-reducing coatings, substrates, profiles, textures and finishes. New installation techniques have been found to  more...

Restructuring the Commercial Loan ...commercial loan restructuring requires a working knowledge of a number of commercial law aspects, e.g., bankruptcy, transactional and litigation issues. This teleconference will help provide you with an understanding of these issues from inception through the end of the commercial loan restructuring process. Listen to our panel of experienced counsel provide seasoned advice so that you will be  more...

The Complete Commercial Loan Closing Checklist ...commercial loan transactions never fully understand all the steps and details that go into closing a real estate loan transaction. They understand their participation in the transaction, but do not comprehend everything else that is involved before a transaction can actually close and fund. This teleconference will provide an overview to understand the entire process required for closing a  more...

Reporting and Disclosure Requirements Under the American Recovery and Reinvestment Act of 2009 ...umber of opportunities for government, not-for-profit and commercial entities to expand upon current and initiate new programs and services. However, ARRA also establishes a number of mandates that recipients must comply with or risk potential financial and legal penalties in addition to public scrutiny. These include monitoring and reporting requirements and, by virtue of receiving funds,  more...

Landlord and Tenant Law: Commercial Tenant Bankruptcy Considerations ...commercial tenants may find themselves with diminishing cash flows and limited resources to satisfy their obligations to their landlords, leaving both grappling with tough decisions, including whether to renegotiate the existing lease, terminate the lease or exercise other remedies upon default. This teleconference will explore the rights, remedies and strategies of landlords and tenants when  more...

Ohio Commercial Activity Tax Update: Now Fully Phased in, What We Have Learned and What We Can Expect Going Forward ...income and net worth based corporate franchise tax to the commercial activity tax, or CAT. In addition to the CAT, in recent years a number of states have made significant changes to their income and franchise tax regimes, which has created a complex and arduous landscape for companies' state income tax compliance departments to navigate through. This teleconference will provide some relief, at  more...

New Jersey s Rehabilitation Subcode ... meeting the tougher ventilation standards for public and commercial buildings. - You will be able to explain why some things are grandfathered and others are not. - You will be able to describe code upgrades for historic buildings. - You will be able to discuss New Jersey's Rehabilitation Subcode. This teleconference is designed for engineers, city administrators, county and municipal  more...

Current Issues in Real Estate Title and Title Insurance ...l life practical information to facilitate the closing of commercial and residential real estate transactions. You'll gain insight into the workings of the title industry to better prepare you to anticipate problems and assist in developing solutions to ultimately close the transaction. This teleconference will progress from basic concepts to title problem solving and end with an analysis of  more...

Collection Strategies for Locating Hidden and Transferred Assets ...efitsDebtors who utilize corporate shells are the bane of commercial collectors, attorneys and creditors. Too often debts and collateral are not recovered from cunning debtors. Most of us are familiar with the shell game in which someone puts a ball under one of several shells and then mixes up the shells leaving another person to guess which shell the ball is under. Debtors like to play 'hide  more...

Recognizing Child Abuse BenefitsA study shows that many RNs, including pediatric RNs, feel uneasy or inexperienced with regard to recognizing and reporting child maltreatment. In addition, many myths and misconceptions exist surrounding the issues of child maltreatment. This teleconference will assist in dispelling some of these myths and will provide resources so that you can feel more confident with how to respond and  more...

Development Challenges for Small Commercial Sites ...nt in all building construction projects, with small site commercial development presenting unique challenges in regards to matching the existing character of the area, conformity with local zoning, land use and environmental regulations, and if all approvals and permitting are ultimately obtained, construction-related challenges and end-user occupancy issues. This teleconference offers key  more...

Current Issues in Commercial Collections ... is geared toward the practitioner involved in collecting commercial debts. Since the specific remedies available, and best practices, will vary from state to state, this is designed to provide a general overview of the various techniques and ideas to improve collection success. Attorneys, presidents, vice presidents, branch managers, loan officers, loan department personnel, credit and  more...

Secondary Sources of Repayment Fundamentals ...teral and personal guarantees are important components of commercial loan structure because they provide secondary sources of repayment in the event the primary source of repayment is no longer adequate. Collateral and personal guarantees are evaluated when a loan is being made but the ultimate realizable value of both is likely to change if they are ever needed to repay the loan. This  more...

Screening Commercial Tenants: Priorities and Pitfalls ...commercial landlords are experiencing increasingly high default and vacancy rates while the value of their assets is, in many jurisdictions, plummeting. The Congressional Oversight Panel recently released its Commercial Real Estate Losses and the Risk to Financial Stability report confirming many industry experts' fears of a looming commercial real estate crisis. The report warns of a wave of  more...

Forbearance Agreement Fundamentals ...commercial loans in default (and many predicted to become defaulted in the coming months), borrowers and lenders are struggling to find negotiated solutions to defaulted and distressed loans. A negotiated solution may prevent an enforcement action with attendant costs, delays and uncertainties, and may help maximize the value of the collateral for all stakeholders. Forbearance agreements are  more...

Current Issues Facing Real Estate Lenders: Managing Through the Tidal Wave of Distressed Properties ...ls incurred by failing to actively manage residential and commercial real estate. This teleconference is critical for lenders and their attorneys to enable them to maximize the recoveries on their real estate by providing a firm foundation to understanding and monetizing distressed real estate debt and assets. Presidents, vice presidents, branch managers, lending professionals, real estate  more...

Commercial Foreclosure Due Diligence Checklist: What to Do Before, During and After Foreclosure ...commercial mortgage loan becomes troubled, even before it goes into default, the parties must quickly confront a number of issues. For the lender, it is imperative that it conduct a due diligence review of its file, the loan and the collateral as soon as possible. Should the default not be cured or the parties not be able to restructure the loan, the lender faces the options of foreclosing on  more...

Doing Business with Distressed Vendors and Customers: Strategies to Employ in Workouts, Litigation and Bankruptcy BenefitsThe strains of the current economic crisis are being felt in every industry and at every point in the supply chain. More and more often, vendors are encountering distressed buyers and buyers are dealing with distressed suppliers. Attend this teleconference and you will learn to recognize the early warning signs of financial distress, and be armed with strategies that can be employed in  more...

Current Issues in Cloud Computing: Is There Sun Behind Those Clouds? ...duction to cloud computing technology and discuss the key commercial and legal issues involved in doing business 'in the cloud', including contracting, security and regulatory issues, and more. This teleconference will also provide a solid introduction to different contract models for doing business with cloud computing companies and take a quick look at the government's role in adoption of  more...

Commercial Leases: A Discussion of Legal, Negotiating and Drafting Considerations ...this teleconference, you will learn the types of expenses commercial tenants should expect to incur and how to appropriately attempt to limit such expenses. By limiting expenses, you'll go a long way toward protecting the tenants you represent against unforeseen leasing costs. Such expenses include the cost of improving the premises, operating cost pass-throughs, real estate taxes, extra and  more...

Influenza: Seasonal to Pandemic ...here are no conflicts of interest to report. There was no commercial support received for the planning of this program. No endorsement of products or off-label use will occur at this program. Learning Objectives - You will be able to recognize symptoms associated with various influenza viruses. - You will be able to identify key features of a preparedness plan for influenza. - You will be able  more...

Good Guy Guaranties: Landlord Tenant Law Update ...ef and additional tools for a landlord and owner when the commercial lease goes sour. Good Guy Guaranties speed the space recovery process, help avoid losses of rentals and aid in space remarketing. Additionally, the opportunities for additional recoveries for losses and costs are material. Good Guy Limited Guaranties additionally incentivize redelivery of the premises to a landlord to speed  more...

Green Leases: Sustainable Alternatives to Traditional Agreements ...h state pension funds and other institutional partners of commercial landlords, and state and local legislators are combining forces to press commercial landlords into moving forward with green buildings and the greening of existing buildings. The LEED movement for green building leases started with encouraging energy efficiency and then addressing environmental concerns. Now the movement is  more...

Purchasing Law: Breach, Repudiation and Excuse ... and the remedies that may be available under the Uniform Commercial Code. Learn about the important notifications you need to make when the goods arrive but are defective, or when you learn the goods don't work after you accept delivery. Learn about when you have the right to terminate an agreement purchase replacement goods from another source and whether your supplier must compensate you for  more...

Construction Project Management in Remote Locations: Site Considerations and Unique Challenges ...regulatory result. The client expectations: technical and commercial analysis, scope of work development, a detailed execution plan, a detailed CPM schedule with day certain financial closing and a fixed price lump sum price to perform the work, all due in 3 to 6 weeks. A sense of urgency is the common thread that runs through all of the construction planning steps and is essential to the  more...

Who Should Bear the Risk? Top 10 Things Developers Need to Know About Loan Documents ...commercial lending market, developers are under increased pressure to provide lenders with projects that present no more than a responsible risk. After an equity requirement, loan documentation is the primary vehicle for allocating risk between the parties. This teleconference will help you understand lenders' requirements and the variety of loan documentation solutions actively used in today's  more...

Clean Air Act Update ...s sectors and tens of thousands of energy, manufacturing, commercial and institutional facilities across the country. This teleconference is designed to provide an overview of the various initiatives and their impacts. It will also allow you to make sense of the coming requirements and to start planning accordingly. Attorneys, engineers, project managers, environmental professionals,  more...

Lighting Design and Control for Commercial Buildings: Increase Sales, Increase Productivity and Save Energy BenefitsWhatever your business is, the proper illumination can provide paybacks that far exceed the energy saved. Studies have confirmed findings. This topic will be presented in a fast paced teleconference with many real life examples. System efficiencies, impact on other architectural systems and integrated controls will all be discussed. We will discuss daylighting, a 100 year old feature that  more...

Low Quality Asphalt: How to Avoid Problems Down the Road .... Reconstruction of asphalt pavements, whether a roadway, commercial parking lot or large distribution center, can be time consuming and very expensive. Costs associated with loss of use can easily exceed costs of construction. We will discuss alternate methods of rehabilitation or remediation which can shorten construction time and lower construction costs. Methods discussed will include  more...

15- Minute Expert Adult Patient Assessments: Practical Strategies, Tips, and Updates for Health Care Professionals ...here are no conflicts of interest to report. There was no commercial support received for the planning of this program. No endorsement of products or off-label use will occur at this program. Learning Objectives - You will be able to explain your exam for any adult patient with a straightforward head to toe system. - You will be able to define the most important steps in each section of the  more...

Revitalizing Vacant Commercial Properties ...commercial real estate market, there will plenty of potential opportunities for owner-users and investors to purchase vacant properties at pennies on the dollar. The question is how? The ability to acquire these properties and bring them back to a viable place to do business or to investment status will require a plan and know how. This teleconference is meant to guide you through a process  more...

Commercial Lending Opinion Letters: Rights, Obligations and Expectations ...Commercial lenders routinely require a borrower's lawyer to deliver a legal opinion at the closing of the loan transaction. The borrower has to pay for this but rarely believes that the exercise provides any benefit to the borrower. If the legal opinion is not negotiated until the end of the transaction, or if the borrower's lawyer and the lender's lawyer cannot agree on some element of the  more...

Restrictive Covenants: Common Disclosures, Restrictions and Land Use Issues ...ong-term protection for a variety of interests, including commercial territories, community character and architectural style. Over the last forty years, however, restrictive covenants have become increasingly complex as condominium and common interest communities have grown in popularity to more closely control not only the architectural style, but also the type of construction of new  more...

Construction and the Uniform Commercial Code ...tracts are contracts governed by Article 2 of the Uniform Commercial Code. What are the theoretical and practical differences between the two types of contract? When is the sale of goods simply part of a construction contract and when does a construction contract become a contract for the sale of goods? How does a general contractor make sure that the personal property components it purchases  more...

Mixed-Mode Building Design Basics ...or 40 to 60 percent of the energy used in residential and commercial buildings. Future building designs must consider reducing fan and cooling energy use if the 2030 Challenge goal is to be achieved. This teleconference will introduce the main concepts associated with designing a building's mixed-mode conditioning system to take advantage of natural ventilation whenever possible, as one method  more...

Infection Control Programs ...here are no conflicts of interest to report. There was no commercial support received for the planning of this program. No endorsement of products or off-label use will occur at this program. Learning objectives You will be able to identify key elements of an effective infection prevention program You will be able to describe best practices for ventilator-associated pneumonia and catheter  more...

Design Codes and Standards for Noise Control ...ese standards relate to common interior noise sources for commercial, residential and educational buildings, special facilities (e.g., presentation and performance spaces), and mechanical equipment noise and vibration. Topics will include material selection, construction systems, sustainability and design pitfalls. n nThis teleconference is based on publicly available information concerning the  more...

Commercial Tenant Defaults: Practical Issues and Legal Remedies nIn what some have described as the worst economic downturn since the Great Depression, landlords, property owners, and property management companies have found or will find themselves facing an increasing number of tenant defaults as well as incredible pressure to fill vacancies resulting from defaults and non-renewals of leases. Managing risk associated with tenants and efficiently handling  more...

Tenancies in Common - Legal and Practical Issues ...y under-performing TIC transactions has increased. As the commercial real estate market worsens, more workouts will be likely. This teleconference is aimed at helping those who have an interest in the property which is the subject of the TIC transaction consider the various issues affecting distressed TIC transactions. The teleconference will discuss the nuts and bolts of TIC transactions and  more...

Patients' Rights Update ...here are no conflicts of interest to report. There was no commercial support received for the planning of this program. No endorsement of products or off-label use will occur at this program. n nLearning Objectives n- You will be able to identify patient rights in a variety of care settings. n- You will be able to describe a patient's right to refuse certain treatments. n- You will be able to  more...

Floodproofing Fundamentals: Design Methods to Reduce Flood Damages ...ce or eliminate the risk of flood damages to residential, commercial and public buildings. We will review basic design methods and techniques used to minimize or eliminate damage to new and existing buildings, contents and utility equipment. This teleconference is a must for agencies and companies that are responsible for designing and planning to protect structures and operations from flood  more...

Current Issues in Construction Lending ...loped lots, completed homes, condominiums and to lease-up commercial buildings, the focus of bankers has shifted to portfolio management as opposed to new business development. With this in mind, this teleconference will review loan portfolio techniques and strategies required to stay on top of troubled borrowers who cannot sell their products. Some of the techniques include performing adequate  more...

Reducing Insulin Errors ...here are no conflicts of interest to report. There was no commercial support received for the planning of this program. No endorsement of products or off-label use will occur at this program. n nLearning Objectives n- You will be able to describe factors that contribute to insulin errors. n- You will be able to discuss the incongruence between classification of error and nurse perception of  more...

The Fundamentals of Leasing Provisions and Covenants ...teleconference will delve into the essential terms of the commercial lease and focus particularly on the clauses that often draw the most attention during negotiations: common area maintenance, key tenant provisions, insurance and rebuilding provisions, landlord liability, indemnities and the various aspects of tenant rights (expansion, renewal, option to purchase, right of first refusal and  more...

Mortgage Cocktail: Lessons From the Credit Crisis and What May Be Next nJoin us at this teleconference and you'll gain perspective on the massive forces moving within the credit markets - the genesis of their movements, their direction and their likely consequences. We'll spend some time describing less obvious contributors to the arc of the credit bubble. During the majority of the teleconference, you'll hear about fiscal and monetary solutions to the crisis and the  more...

Environmental Issues in Commercial Leases ...fits Environmental issues impact myriad provisions in a commercial lease and can have not only a material legal effect, but a material economic effect on the rights, duties and risk allocation between the landlord and the tenant. From pre-delivery site and building assessment to operational risks, insurance and indemnification obligations to premises surrender, restoration and abatement, the  more...