What was created in 1974 to ensure that the buyer and seller in a residential real estate transaction, involving a new first mortgage loan, have knowledge of all settlement costs?

in the united states, the president is controlled by the

constitution, and in all respects subordinate to it. insofar

as it deals with presidential power, however, the american

constitution has proved to be a highly malleable document.

with very few exceptions,' the constitutional provisions relating to the president have not been changed at all since

they were ratified in 1787. but in the late twentieth century, those provisions do not mean what they meant in

1787. the constitution is a legal document, and it is enforced judicially; but its meaning was hardly fixed when it

was ratified. in particular, the contemporary president has

far broader powers than the original constitution contemplated. it is remarkable but true that large-scale changes in

the authority of the president have been brought about

without changes in the constitutional text, but nevertheless

without significant illegality.

this is a paradox. is it not clear that constitutional

changes, if not textual, are illegal? the paradox has considerable relevance to our current thinking about the presidency in particular and about constitutionalism in general.

perhaps the framers of the american constitution feared

legislative power most of all; 2 but from well-known events

in the twentieth century, it is possible to conclude that it is

presidential power that holds out the greatest risks to both

liberty and democracy. the president is by far the most visible leader in the nation; he is often the only person in government with a national constituency. moreover, he is

the united states constitution defines the structure of the national government and dictates the scope and limitation of its powers. the constitution is known as “the supreme law of the land” and all other laws are measured against it. the application of the articles and amendments of the constitution comprise constitutional law.

in addition to the united states constitution, each state has its own constitution and therefore, its own body of constitutional law as well. state constitutions resemble the federal constitution in that they outline the state government’s structure of legislative, executive and judicial branches as well as contain a bill of rights.

but there are various ways state constitutions differ from the federal constitution. often, state constitutions are much longer and more detailed than the federal constitution. state constitutions focus more on limiting rather than granting power since its general authority has already been established. as a result, the constitution of alabama is six hundred pages long whereas the federal constitution can be easily read in one sitting front to back.

the details in state constitutions are not particularly “constitutional” in nature. they often address topics unique to the state. the federal constitution can only be amended through a lengthy process designed to limit changes to this fundamental document. as a result, it has only been amended seventeen times since the adoption of the bill of rights in 1791.

state constitutions are more open to amendments. amendments can be proposed by legislature, a constitutional commission or citizens’ petition and can be accepted by referendum.   for example. the constitution of massachusetts has been amended one hundred and twenty times. the constitution of georgia has even been replaced altogether as many as ten times.

the correct answer is c.