Sawyer and four others formed a & e salvage and began a project of recovering salvage materials from the site of the former liberty fibers rayon plant. the site consisted of 300 acres, multiple buildings, and extensive ground piping. as a & e removed the salvage materials, it discovered that many of the pipes and buildings contained racm, a toxic substance. in the removal process, racm was not treated or removed properly according to statutory requirements. the federal government stepped in and cleaned up the racm from the property and sought reimbursement from liable parties. who is liable for the clean-up costs?

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Secured loans are protected by collateral security. examples: title loans where the borrower uses the car title as collateral security interest rates are lower and repayments are longer therefore risk is low as a collateral security is given as guarantee to the bank in case of failure to pay the loanunsecured loans are not protected by collateral security but it is given on the creditworthiness of the borrower, trusting that she/he will pay on time. examples; payday loans is a short term loan where the borrower lends money from the bank and pays is back when the borrower receives his/her wages.interest rates are high and repayments are shorter. but the risk is high as no collateral security is given as a guarantee to the bank for payment of the loan