Finance, Insurance, Real Estate and Law Business Law, BLAW = 0325 2000. Personal Law. 3 hours. A consumer-oriented study of the principles of personal law. Student participation required in resolving problems associated with the family, home and vehicle ownership, crimes, negligence, employment, death (including wills and estates), taxation and an individual's rights as a consumer. Recommended for all students, regardless of major field of interest. 3430. Basic Law. 3 hours. Historical, economic, political and ethical bases of contracts and sales, including the Uniform Commercial Code, and the impact of regulatory agencies on business enterprise. Prerequisite(s): PSCI 1040 and 1050, or equivalent. 4430. Legal Organizations and Financial Transactions. 3 hours. Legal aspects of agency, partnerships, corporations, commercial paper, secured transactions and bankruptcy. Prerequisite(s): BLAW 3430 or consent of instructor. 4450. Corporation Law. 3 hours. A course developing the law concerning the powers, duties and responsibilities of corporate managers to their organizations, to investors, to creditors, to the state, and to the general public under state corporation codes and state and federal securities legislation. 4480. International Business Law. 3 hours. Examination of selected aspects of the international legal environment affecting transnational commerce. Consideration of relevant U.S. constitutional, treaty and statutory provisions; international conventions and agreements; sovereign immunity and act of state doctrines, nationalization and expropriation. Prerequisite(s): BLAW 3430 or equivalent, or consent of instructor. 4600. Current Topics in Business Law. 3 hours. Designed to provide information on the legal environment of specified functional areas as required by developing trends and/or changes in the law. May be repeated for credit as topics vary. 4770. Real Estate Law. 3 hours. Legal principles governing real estate transactions, sales contracts, deeds, mortgages, title insurance and Texas community property and homestead laws. 4900-4910. Special Problems. 1-3 hours each. Finance, FINA = 0330 2770 (BUSI 1307). Personal Finance. 3 hours. Financial planning, insurance, budgeting, credit, home ownership, savings, investment and tax problems. Not open to junior or senior business majors. 3770. Finance. 3 hours. Overview of money and the banking system; interest and present value calculations; financial information; analysis and financial decision making; security markets. Prerequisite(s): completion of pre-business requirements, including ACCT 2010 and 2020 or equivalent with grades of C or better, or consent of department. 4200. Investments. 3 hours. First course for the individual investor. Idea of investment value; necessary prerequisites for an investment program; policies; economic and industry factors; introduction to security analysis and valuation; operation of security markets; security laws. Prerequisite(s): FINA 3770 and ACCT 2010 and 2020 or equivalent with grades of C or better. 4210. Special Topics in Investments. 3 hours. Review of markets; determinants of interest rates and bond prices; forecasting of stock prices, including technical, psychological, cyclical and monetary indicators; trading strategy and tactics; market imperfections; options; futures markets; portfolio theory; and other relevant topics. Prerequisite(s): FINA 4200 with a grade of C or better or consent of department. 4300. Liquidity and Working Capital Management. 3 hours. Analyzing issues related to corporate liquidity problems and solutions related to the management of short-term assets and liabilities. Prerequisite(s): FINA 3770 with a grade of C or better. 4310. Valuation and Financial Decisions. 3 hours. This course develops a conceptual valuation framework for investment, capital structure and dividend decisions. Each is examined for its impact on the risk return characteristics of the firm. In addition, long-term financing decisions are discussed. Prerequisite(s): FINA 3770 with a grade of C or better. 4400. Financial Markets and Institutions. 3 hours. Studies in the operations, mechanics and structure of the U.S. financial system. Topics include commercial banking, non-bank financial institutions, money and capital markets, the impact of monetary policy on financial institutions and markets, and an introduction to the international financial system. Prerequisite(s): FINA 3770 with a grade of C or better. 4410. Management of Financial Institutions. 3 hours. Studies in the management of financial institutions. Case problems and computer simulation models are used to improve the student's decision making ability. Prerequisite(s): FINA 4400 with a grade of C or better. 4500. International Finance. 3 hours. International and regional financial institutions and arrangements; balance of payments, theory, adjustments and impact on world trade; role of commercial and central banks in financing international flow; financing exports and imports; the instruments and markets of foreign exchange; determination of exchange rates. Prerequisite(s): FINA 3770 with a grade of C or better. 4610. Personal Financial Planning. 3 hours. Designed to prepare students to assist individuals in their financial planning and strategy, including analysis of needs, insurance and investment programs, tax planning and shelters, trusts, tangibles, and retirement planning. Study includes readings and analysis of cases. Prerequisite(s): FINA 4200 and INSU 2500 or 4200 with grades of C or better. 4800. Internship. 3 hours. Supervised work in a job relative to student's career objective. Prerequisite(s): student must meet the employer's requirements and have consent of the department chair. Pass/no pass only. 4900-4910. Special Problems. 1-3 hours each. Insurance, INSU = 0335 2500. Principles of Risk and Insurance Management. 3 hours. Consumer-oriented study of basic risk theory, elementary risk management techniques and fundamental principles: individual life insurance and annuity products; automobile, homeowners, health and selected social insurance programs; insurers and their operations; guidelines for efficient purchase and use of insurance products. Recommended for all students, regardless of major field of interest. 4200. Life Insurance. 3 hours. Economic basis, fundamental principles, types of life insurance and annuity products, pertinent legal concepts, contract provisions, taxation of life insurance and annuity products, nature and operations of companies, and financial statements of life insurers; personal and business uses of life insurance and annuity products. 4300. Property and Liability Insurance I. 3 hours. Property and liability exposures to loss, and methods available to treat them; standard fire policy, consequential loss coverage, liability policies and worker's compensation; regulation, claims payment process, underwriting, rate making and reinsurance. 4310. Property and Liability Insurance II. 3 hours. Advanced topics, including ocean marine insurance, inland marine insurance, boiler and machinery insurance, fidelity and surety bonding, crime insurance, credit insurance, and selected commercial multiple-line coverages; insurer operations, including marketing, investments and profitability determinations. 4400. Employee Benefit Programs. 3 hours. Reasons for employee benefit programs; group life, medical expense and disability income insurance programs; health maintenance organizations; pension programs and profit- sharing plans; tax considerations and government regulations. 4500. Estate Planning. 3 hours. Planning process and selected techniques for efficient disposition and administration of property interests; various tools, including wills, trusts, life insurance settlement options and powers of appointment; pertinent income, estate and gift tax provisions. Prerequisite(s): ACCT 2010 and 2020 and BLAW 3430; or equivalent experience. 4600. Risk Management. 3 hours. Study of financial effects of pure risk on businesses and not-for-profit institutions; policy, goals, objectives, organization of effort, identification and evaluation of risk; selection of risk treatment/financing tools; implementation and review of tools used; probability analyses of data and financial evaluation of alternative tools. 4800. Internship. 3 hours. Supervised work in a job related to student's career objective. Prerequisite(s): student must meet the employer's requirements and have consent of the department chair. Pass/no pass only. 4900-4910. Special Problems. 1-3 hours each. Real Estate, REAL = 0340 2100 (1301). Principles of Real Estate. 3 hours. A survey of real estate principles, including real estate market, financial, investment and legal analysis. Home ownership and real estate investment for personal benefit are emphasized. 3100. Real Estate Brokerage. 3 hours. The course includes but is not limited to law of agency, planning and organization, operational policies and procedures, recruiting, selection and training of personnel, records and control, and real estate firm analysis and expansion criteria. Prerequisite(s): REAL 2100 or consent of department. 4000. Real Estate Finance. 3 hours. Examination of the process and methods of financing both residential and commercial properties. Primary focus is on the lender's perspective in mortgage loan analysis. Prerequisite(s): REAL 2100 and FINA 3770, or consent of department. 4200. Real Estate Asset Management. 3 hours. Examination of the process and methods of managing real assets. Topics include property leasing, marketing, maintenance, personal supervision, taxation and cash-flow analysis. Prerequisite(s): REAL 2100 or consent of department. 4300. Real Estate Investments. 3 hours. Analysis of real estate investments during the origination, operation and termination phases. Primary emphasis is on financial feasibility and cash-flow analysis. Prerequisite(s): REAL 2100 and FINA 3770, or consent of department. 4400. Real Estate Appraisal. 3 hours. Theory and methods of residential and income property appraisal. Topics include real estate market analysis, highest and best use analysis, and capitalization techniques. Income property valuation techniques are emphasized. Prerequisite(s): REAL 2100 and FINA 3770, or consent of department. 4800. Internship. 3 hours. Supervised work in a job related to student's career objective. Prerequisite(s): student must have 2.8 overall GPA, meet employer's requirements and have consent of department chair. Pass/no pass only. 4900-4910. Special Problems. 1-3 hours each. Foreign Languages and Literatures Students with no previous training in their desired language usually enroll in 1010-numbered language courses. Students with one, two or three high school credits must take the departmentally administered placement exam. Students entering with four high school credits must pass a departmentally administered placement exam or a 3000-level course to satisfy the language requirement. French, FREN = 0131 1010-1020. Elementary French. 4 hours each. (2;1;2) 1010 (1311/1411). Grammar and phonetics; reading, composition and oral-aural practice. 1020 (1312/1412). Grammar and phonetics; reading, composition and oral-aural practice. Prerequisite(s): FREN 1010 or equivalent. 2040-2050. Intermediate French. 3 hours each. 2040 (2311). Grammar, composition, oral-aural practice and readings. Prerequisite(s): FREN 1020 or equivalent. 2050 (2312). Grammar, composition, oral-aural practice and readings. Prerequisite(s): FREN 2040 or equivalent. 3040. Advanced Readings in French Culture. 3 hours. Selected readings in contemporary French culture and literature with emphasis on conversational and written practice. Prerequisite(s): FREN 2050 or equivalent. 3050. Advanced Readings in French Literature. 3 hours. Selected readings in contemporary French literature with emphasis on conversational and written practice. Prerequisite(s): FREN 2050 or equivalent. 3060-3070. Advanced French Composition and Oral Practice. 3 hours each. Composition, oral reports and discussions of French civilization topics. Prerequisite(s): FREN 2050 or equivalent. 3060. Oral practice through conversation; phonetics. 3070. Written compositions; advanced grammar. 3080. Advanced French Conversation. 3 hours. Video-centered study of themes related to contemporary French experience and heavily oriented toward conversation on topics of interest to contemporary youth. Prerequisite(s): FREN 3060 or consent of department. 3090. Scientific French. 3 hours. Students will become familiar with scientific terminology in French and with the scientific and technological accomplishments of France. Use of various documents, such as articles and book excerpts, audio recordings and video sequences. Prerequisite(s): FREN 2050 or equivalent. 4010-4020. Survey of French Literature. 3 hours each. Readings, lectures, discussions and term projects. Prerequisite(s): 6 hours of advanced French, at least 3 hours of which must be FREN 3040 or FREN 3050, or departmental equivalent. 4010. French literature to 1800. 4020. French literature since 1800. 4080. Business French. 3 hours. Students will become familiar with business terminology in French. They will also learn to function in a French business environment, including writing business letters, conducting telephone conversations and business meetings. This course will serve as preparation for the exam leading to the Certificate pratique of the Paris Chamber of Commerce and Industry. Prerequisite(s): 6 hours of advanced French. 4100. The Nineteenth-Century French Novel. 3 hours. Readings, lectures and term projects. Prerequisite(s): 6 hours of advanced French. 4310. French Civilization and Culture Through Conversation. 3 hours. Readings, discussions and audiovisual materials. Prerequisite(s): 6 hours of advanced French or consent of department. 4500. The French Short Story. 3 hours. Close study of the French short story, with emphasis on oral discussion and oral testing as preparation for the Texas Oral Proficiency Test (TOPT) required for teacher certification in French. Required for teaching majors. Prerequisite(s): FREN 3060 and 3070. 4900-4910. Special Problems. 1-3 hours each. 4920. Cooperative Education in French. 1-3 hours. Supervised work in a job directly related to the student's major, professional field of study or career objective. Prerequisite(s): 12 hours of credit in French; student must meet the employer's requirements and have consent of the department chair. May be repeated for credit. German, GERM = 0132 1010-1020. Elementary German. 4 hours each. (4;1) 1010 (1311/1411). Grammar and phonetics; reading, composition and oral-aural practice. 1020 (1312/1412). Grammar and phonetics; reading, composition and oral-aural practice. Prerequisite(s): GERM 1010 or equivalent. 2040-2050. Intermediate German. 3 hours each. 2040 (2311). Grammar, composition, oral-aural practice and readings. Prerequisite(s): GERM 1020 or equivalent. 2050 (2312). Grammar, composition, oral-aural practice and readings. Prerequisite(s): GERM 2040 or equivalent. 3020. Advanced German Language. 3 hours. Continued general studies with readings, conversation, aural practice and composition. Prerequisite(s): GERM 2050 or equivalent. 3040. Readings in German Culture. 3 hours. Selected readings in contemporary Austrian, German and Swiss culture with emphasis on conversational practice. Prerequisite(s): GERM 2050 or equivalent. 3050. Readings in German Literature. 3 hours. Selected readings in contemporary German literature with emphasis on conversational practice. Prerequisite(s): GERM 2050 or equivalent. 3060-3070. Advanced German Composition and Oral Practice. 3 hours each. Composition, oral reports and discussions of German civilization topics. Prerequisite(s): GERM 2050 or equivalent. 4310. Advanced German Civilization and Culture. 3 hours. Readings and discussions; literature, music, philosophy and science; historical development. Prerequisite(s): GERM 2050 or equivalent. 4330. Advanced German Grammar and Syntax. 3 hours. Descriptive study of language, structure and history. Prerequisite(s): GERM 2050 or consent of department. 4350. Advanced German Literature. 3 hours. A survey or study of a period, movement, theme, genre or author. Readings, lectures, discussion, term projects. Prerequisite(s): 3 hours of advanced German. May be repeated as topics vary. 4900-4910. Special Problems. 1-3 hours each. Language, LANG = 0134 1010-1020. Elementary Language. 4 hours each. 1010. (2;1;2) Grammar and phonetics; reading, composition and oral- aural practice. 1020. (2;1;2) Grammar and phonetics; reading, composition and oral- aural practice. Prerequisite(s): foreign language course 1010 in same language, or equivalent. Japanese, Chinese, Italian and Russian currently are being offered as languages in 1010-1020. 2040-2050. Intermediate Language. 3 hours each. 2040. Grammar, composition, oral-aural practice and readings. Prerequisite(s): foreign language course 1020 in same language, or equivalent. 2050. Grammar, composition, oral-aural practice and readings. Prerequisite(s): foreign language course 2040 in same language, or equivalent. 2900-2910. Special Problems. 1-4 hours each. 4900-4910. Special Problems. 1-3 hours each. Latin, LATI = 0135 1010-1020. Elementary Latin. 4 hours each. 1010 (1411). Grammar and basic vocabulary. 1020 (1412). Grammar and basic vocabulary. Prerequisite(s): LATI 1010 or equivalent. 2040-2050. Intermediate Latin. 3 hours each. 2040 (2311). Grammar principles and readings from representative Roman authors; Vergil. Prerequisite(s): LATI 1020 or equivalent. 2050 (2312). Grammar principles and readings from representative Roman authors; Livy. Prerequisite(s): LATI 2040 or equivalent. 4900-4910. Special Problems. 1-3 hours each. Spanish, SPAN = 0138 1010-1020. Elementary Spanish. 4 hours each. 1010 (1311/1411). (2;1;2) Grammar and phonetics; reading, composition and oral-aural practice. 1020 (1312/1412). (2;1;2) Grammar and phonetics; reading, composition and oral-aural practice. Prerequisite(s): SPAN 1010 or equivalent. 2040-2050. Intermediate Spanish. 3 hours each. 2040 (2311). Grammar, composition, oral-aural practice and readings. Prerequisite(s): SPAN 1020 or equivalent. 2050 (2312). Grammar, composition, oral-aural practice and readings. Prerequisite(s): SPAN 2040 or equivalent. 3030. Readings in Spanish-American Short Story. 3 hours. Selected readings in Spanish-American short stories with emphasis on techniques for gaining reading fluency in Spanish. Prerequisite(s): SPAN 2050 or equivalent. 3040. Mexican Culture: A Conversational Approach. 3 hours. Selected readings in Mexican culture, discussions and audiovisual materials. Prerequisite(s): SPAN 2050 or equivalent. 3050. Readings in Hispanic Literature. 3 hours. Selected readings in modern Spanish and Spanish-American literature with emphasis on conversational and written practice. Prerequisite(s): SPAN 2050 or equivalent. 3060-3070. Advanced Spanish Composition and Oral Practice. 3 hours each. Composition, oral reports, and Spanish and Spanish-American topics. Prerequisite(s): SPAN 2050 or equivalent. 3150. Spanish Culture and Civilization. 3 hours. An examination of the culture and lifestyle of the Spanish people with emphasis on the historical, intellectual, artistic and social development of contemporary Spain. Readings, discussions and audiovisual materials. Prerequisite(s): SPAN 2050 or equivalent. 3160. Spanish-American Culture and Civilization. 3 hours. An examination of the culture and lifestyle of the Spanish- American people with emphasis on the historical, intellectual, artistic and social development of Spanish-American countries. Readings, discussions and audiovisual materials. Prerequisite(s): SPAN 2050 or equivalent. 4010. Aspects of Contemporary Mexican Culture. 3 hours. Study of various aspects of Mexican culture, including historical, literary, artistic, political and economic arenas. Offered in Mexico to provide total immersion in the language and culture with field trips to culturally significant sites. Prerequisite(s): completion of at least one year of Spanish or the equivalent. Spanish majors and minors are preferred. 4120. Advanced Spanish Grammar. 3 hours. Pronunciation principles, orthography and punctuation; syntactical, lexical and stylistic aspects. Prerequisite(s): SPAN 2050 or consent of department. 4310-4320. Survey of Spanish Literature. 3 hours each. Readings, lectures, discussions and term projects. Prerequisite(s): 6 hours of advanced Spanish or consent of department. 4310. Spanish literature to 1700. 4320. Spanish literature since 1700. 4360-4370. Survey of Spanish-American Literature. 3 hours each. Readings, lectures, discussions and term projects. Prerequisite(s): 6 hours of advanced Spanish or consent of department. 4360. Spanish-American literature from the colonial period to 1888. 4370. Spanish-American literature since 1888. 4900-4910. Special Problems. 1-3 hours each.