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simple or a lease) will hold that land on trust first for the life tenant and then for the remainderman. The National Association of Realtors (NAR), whose members are known consolidation government loan "Realtors," is America's largest trade association, representing 1 million members, including NAR's institutes, societies, and councils, involved in all aspects of the residential and commercial real estate industries. NAR's membership is composed of residential and commercial brokers, salespeople, property managers, appraisers, counselors, and others engaged in consolidation government loan aspects of the real estate industry. Members belong to one or more of some 1,600 local associations and boards and 54 state and consolidation government loan associations of Realtors. They are pledged to a strict Realtor "Code of Ethics and Standards of Practice," which includes duties to clients, the public, and other Realtors. The NAR wields substantial power as a lobbying organization for real estate buyers and sellers. The legal protection in question -- detailed in Section 580b of the California Code of Civil Procedure -- dates to the Great Depression, when the Legislature passed a consolidation government loan of measures to protect Californians losing their homes in foreclosure sales. Because home values were plummeting consolidation government loan few people had money to bid at foreclosure auctions, destitute borrowers couldn't pay off the mortgage and were left facing a lifetime of debt. To this day, California remains one of a handful of states