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).
Sauron (Sala Baker) himself made only one of the 20 rings, the famed one ring to rule them all, although he assisted in the creation of the nine rings for mortal men and the seven rings for the dwarves. The three rings for the elven-kings were forged alone by Celebrimbor, with knowledge obtained from Sauron.