11.   One of the most thorny issues that unit owners and boards deal with involves the allocation of liability for damages to an apartment or the building itself.

12.   Sidney and Frances Angrist, unit owners in Cliffside Park, requested access to employment contracts and disbursements, among other books and records.

13.   Some co-op boards are reluctant to allow unit owners to install under-the-sink disposal units for fear of endangering fragile plumbing systems.

14.   Such provisions, he said, are a practical necessity if co-ops and condominiums are to be able to encourage shareholders and unit owners to serve on their boards.

15.   That charge is then passed along to shareholders and unit owners as part of their maintenance fees or common charges.

16.   The conflict inside co-ops between unit owners who rent out their apartments and those who live in them is one of the most vexing issues in the co-op world.

17.   The diversity of interests between sponsors and unit owners can also affect the day-to-day operation of the building, he said.

18.   Unit owners do not want to cover these floors because they like the appearance of the hardwood.

19.   With cumulative voting, as with straight voting, each unit owner is allocated a number of votes equal to the number of his shares.

20.   They would have the network of branches that would bring the NHC close to the low-cost unit owner or applicant wherever he might be in the country.