MAKING IT LEGAL: MItchell Posner (standing), executive director of CHAI, executed
a pruzbul in connection with the organization’s 168 outstanding homebuyer and home improvement loans in the presence of the three judges of a de facto court: Aryeh Goetz, Roy Kiewe and Ed Schaffer, staff members at CHAI. A pruzbul is a Jewish legal
document that protects a lender and enables the collection of a loan, following a
shmittah, or sabbatical year.