Does the acquisition of ownership form a strict barrier to the application of EU consumer contract law rules? In particular: does the acquisition of ownership prevent a national court from reviewing unfair terms in a mortgage agreement? The CJEU said so in its recent judgement C-598/15 Banco Santander, where a bank itself acquired a mortgaged apartment in a forced sale. We consider this a too formal way of reasoning. In order to make a constructive...

Drawing on ethnographic material from pilgrimages on West Java I argue that understandings of pilgrimage will benefit from including the return home in order to fully appreciate the meaning it holds for pilgrims. If we include into the study an extensive period after coming home, it facilitates situating the practice in a specific socio-cultural context and helps to understand how a pilgrimage partakes in these settings rather than being a ‘ “one off” transient and...

Recent findings on the term structure of equity and bond yields pose serious challenges to existing models of equilibrium asset pricing. This paper presents a new equilibrium model of subjective expectations to explain the joint historical dynamics of equity and bond yields (and their yield spreads). The movements of equity and bond yields are driven mainly by subjective expectations of dividend and gross domestic product (GDP) growth. Yields on short-term dividend claims are more volatile...

Target settings to secure sustainable access to raw materials include seafloor massive sulphide (SMS) resources. Gold-rich SMS deposits, are often the result of complex interplay of multiple Au enrichment events. Recent studies have shown that high-grade Au ores result from Au remobilization from preexisting mineralization, driven by fluid-induced coupled dissolution-reprecipitation (CDR) reactions; however investigations into this process in modern Au-rich SMS, are lacking. To tackle this issue, Au-rich [AuBULK≤32ppm; Au/(Cu+Zn+Pb)=1.9], polymetallic (Sb, Tl, Hg, Ag,...

Does the acquisition of ownership form a strict barrier to the application of EU consumer contract law rules? In particular: does the acquisition of ownership prevent a national court from reviewing unfair terms in a mortgage agreement? The CJEU said so in its recent judgement C-598/15 Banco Santander, where a bank itself acquired a mortgaged apartment in a forced sale. We consider this a too formal way of reasoning. In order to make a constructive...