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).
As one of the Maiar, Sauron was created by Iluvatar ilÃºvatar before The music of The. Ainur at the beginning Of, time he was amongst The ainur who entered Into. Eae eÃ¤ here he became one Of the Maiar, of aule aulÃ« and Was. Known, as mairon however he was Soon ensnared by melkor and became his greatest and. most trusted servant