Nice to see you all here again for the latest in our series in the sales lunch times and seminars.

Really is throughout Ketangra and Ayaspovich, who was the chair in civil law at the University of Zagreb.

And we met yesterday, we talked a lunch for quite some time,

and I was involved very closely,

but the cohesion negotiation process,

particularly the chapters dealing with services and establishment

and has a phenomenal knowledge of that process.

Certainly if you could questions about that,

where we're talking to at some point.

Amongst many activities,

I think there's touch of the Max Planck Institute in Hamburg,

but I think it's very much. You made before, and the author of the Hamburg, but I think it's very important you've met before,

and the author of lots of important markets in areas of European private law.

Today's topic is, as you see, on consumer protection in EU essential mortgage markets,

particularly potent issue, I think given the nature of the

sources of the economic crisis in Europe.

So I'm glad to have a lecture.

Why I choose this topic?

Morridge Credit Directive is something quite new in European legislation.

Council adopted the final version of the Morwich Credit Directive two weeks ago. It is still not published. Hopefully it

will publish. I checked today, still not published. Hopefully it will published in the

next few weeks. And I think that it can be an interesting topic for all of us.

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