The Real Estate Settlement Procedures Act (RESPA) is a consumer protection statute, first passed in 1974. One of its purposes is to help consumers become better shoppers for settlement services. Another purpose is to eliminate kickbacks and referral fees that increase unnecessarily the costs of certain settlement services.
Danielle Maurer, Noldor Elf in search of Silmaril. Views. Sauron is a Maia, one of the spirits that rank below the Valar in terms of power. They are more than the elves and other creatures of Middle-Earth, but not as powerful as the Valar (who function like the gods of Middle-Earth, even though they did not create themselves).
Type of Villain. Garon is the previous king of Nohr (before his eldest son Xander succeeded him in 2 of 3 routes) and is the primary antagonist of Fire Emblem Fates Birthright, Conquest and Revelation. Originally, he was a stern, but fair man, according to his son Xander, but was then consumed by a great evil who clouded his fair sense.