For sale by owner not sold through brokers each year (as of 2004). MSN Money suggests that 30% of homes are sold without using a real estate agent. More than half of the homes sold in Quebec are sold without an agent. In the UK, the average commission rate is significantly lower than in Canada or the US. Properties for sale by owner are less common. By law, all sales of property have to be supervised and handled by an independent solicitor who acts as a mediator and holds the buyer's money until the purchase process is finished. In Australia, the FSBO is still
A Common Word Between Us and You Biser Award", and the "Building Bridges Award" from the UK's Association of Muslim Social Scientists. "A Common Word between Us and You" is a follow up to a shorter letter, sent in 2006, in response to Pope Benedict XVI's lecture at the University of Regensburg on 12 September 2006. This lecture, on the subject of faith and reason, had focused mainly on Christianity and what Pope Benedict called the tendency in the modern world to "exclude the question of God" from reason. Islam features in a part of the lecture. The Pope quoted a Byzantine Emperor's strong criticism of Muhammad's