The most common types of litigation are employment and contract disputes

Ex 16

1	2	3	4	5
c	d	e	a	b

Ex 18

1. 
   A burden is a heavy load that you carry. It is also used to mean something difficult or unpleasant that you have to deal with worry about.
   
2. 
   The most common types of litigation are employment and contract disputes.
   

Ex 19

1. 
   F (they are 12 times higher in the USA)
   
2. 
   T
   
3. 
   F (they consider arbitration to be quicker, but see little difference in cost)
   

Ex 20
3 paragraph (increased regulation)
Ex 21

1	2	3	4
c	d	a	b