Chatham Real Estate Lawyers

Andrew J. Bellwoar
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Andrew J. Bellwoar
Kennett Square, PA Real Estate Law Lawyer with 36 years of experience
(610) 422-7041 110 State St #305
Kennett Square, PA 19348
Real Estate, Business, Estate Planning and Municipal
Villanova University School of Law
Andrew Bellwoar has been practicing law for over 30 years; representing individuals, businesses, and public entities. His areas of practice consist of Wills/Trusts/Estate Administration, Business Contracts, Real Estate/Land Development/Zoning, and Municipal Law. In the beginning of his career, he served as an Assistant District Attorney at the Delaware County District Attorney's Office. After serving as an Assistant District Attorney, he went on to work in a law firm out of Delaware County. In 1998, Mr. Bellwoar then became a partner in a law firm, where he represented many clients. Andrew has won the Top Lawyer Award for many consecutive years,...
Michael Perna
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Michael Perna
Kennett Square, PA Real Estate Law Lawyer
(610) 444-0933 610 Millers Hill
P.O. Box 96
Kennett Square, PA 19348
Real Estate, Business, Divorce and Personal Injury
University of the Pacific, McGeorge School of Law and St. Mary's University School of Law
I am a trial lawyer with more than 30 years of litigation experience. I represent individuals in matters involving personal injury litigation, estate planning and administration, real estate sales and development, domestic issues, and business litigation. During my professional career, I have had the opportunity to litigate in multiple state and federal courts, and have handled matters ranging from those merely about money and property, to those involving more vital issues such as civil rights, personal liberty, child welfare, and eldercare. At times, I have been disappointed with our admittedly flawed and cumbersome legal system, but more often I am...
Jennifer  Abracht
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Jennifer Abracht
Kennett Square, PA Real Estate Law Attorney
(610) 444-0933 610 Millers Hill
P.O. Box 96
Kennett Square, PA 19348
Real Estate, Estate Planning, Family and Personal Injury
Arizona State University
I was born and raised on Long Island, New York. I went out west in 1988 to attend college at the University of Arizona because I wanted to go somewhere I had never been and experience something completely new. I fell in love with the sun and heat and stayed in Arizona after graduating college in 1991. After working in marketing, public relations, and special events for several years, I went to law school and graduated in 1997. Upon graduating law school, I worked as an associate attorney at the largest law firm in the southwest, practicing primarily in the...
E A Dixon Jr
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E A Dixon Jr
West Chester, PA Real Estate Law Lawyer
1368 West Strasburg Rd.
West Chester, PA 19382
Real Estate and Consumer
Admitted to the Pennsylvania bar. Graduate of Princeton University (A.B.) and George Washington University (J.D., with honors). Served in United States Air Force. Former member of the law firm of Proctor Lindsay & Dixon LLC, Chadds Ford and West Chester. Now “of counsel.” Prior employment: Underwriting and Claims Counsel for Nations Title, Lawyers Title Insurance, Stewart Title Guaranty and Ticor Title Insurance Company and a partner in the Philadelphia law firm of Hepburn, Ross, Willcox & Putnam in Philadelphia. Member of the Pennsylvania Bar Association, Chester County Bar Association and Pennsylvania Land Title Association. Past Chair of the...
John Rafferty
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John Rafferty
West Chester, PA Real Estate Law Attorney with 11 years of experience
(484) 593-3737 17 E Gay St
Suite 100
West Chester, PA 19381
Free ConsultationReal Estate and Business
Villanova University School of Law
I am a litigator and focus my practice on Civil and Business Litigation matters. If there's a dispute brewing that may involve an agreement (even a handshake or verbal promise) or a contract, I'd love to help you identify a resolution, or if necessary, bring the case to trial before a judge or jury. My extensive trial experience includes work at the Chester County District Attorney’s Office where, as an Assistant District Attorney, I managed multiple cases from investigation through trial, prosecuting serious criminal matters, including homicides and assaults. My career began in the U.S. Navy, where I served as a...
Barry S. Rabin
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Barry S. Rabin
Downingtown, PA Real Estate Law Attorney with 40 years of experience
797 E. Lancaster Avenue
Suite 13
Downingtown, PA 19335
Real Estate, Estate Planning, Personal Injury and Probate
Widener University Delaware School of Law
Barry Rabin has been practicing law in Chester County since 1983, representing clients all over Pennsylvania. His practice is concentrated in the areas of Auto Accidents and Personal Injury, Estates, Estate Planning, Elder Law and Real Estate Law. He was awarded the Chester County Bar Association's President's Award and Pro Bono Award in 2013.
A. Duie Latta
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A. Duie Latta
West Chester, PA Real Estate Law Lawyer with 16 years of experience
(484) 948-1428 211 N. Walnut St
1st Floor
West Chester, PA 19380
Real Estate, Business and Tax
Villanova University School of Law
Duie represents clients in business transactions and corporate matters, with an emphasis on privately held and family businesses. His practice spans the business life cycle, from initial business planning and the formation of corporations, LLCs, partnerships, and other entities, to business sales, workouts, and windups. Duie also provides general representation in day-to-day business matters such as contract preparation, review, and negotiation. He frequently advises clients on shareholder, buy/sell, and other owner agreements, lending and finance, construction contracts, employment and non-compete agreements, and other business matters. Duie works with closely held business owners in their estate and succession planning, particularly...
Bruce W. Laverty
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Bruce W. Laverty
Downingtown, PA Real Estate Law Lawyer with 30 years of experience
(610) 645-4504 701 E. Lancaster Avenue
Suite B
Downingtown, PA 19335
Real Estate, Business, Consumer and Criminal Defense
Widener University Delaware School of Law
Mary Jo B Gilsdorf
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Mary Jo B Gilsdorf
Glen Mills, PA Real Estate Law Lawyer with 34 years of experience
(610) 755-7806 P. O. Box 513
Glen Mills, PA 19342
Free ConsultationReal Estate and Construction
Villanova University School of Law
Takes practical experience about the construction industry and applies legal knowledge to her practice in Arbitration, Mediation and Construction Law. Active in all aspects of the Construction Industry since 1997 on projects ranging from $ 100K to $ 300MM in value. Projects included commercial buildings, hospitals, hotels, offices, residential buildings and condominiums, sports complexes, performing arts centers, garage, retail and warehouse facilities involving new construction and renovation. Began as a generalist in a small construction firm performing duties as a contract administrator, assistant project manager and general assistant for estimating, field supervision and safety in small construction...
James Tupitza
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James Tupitza
West Chester, PA Real Estate Law Attorney with 48 years of experience
(610) 696-2600 212 West Gay Street
West Chester, PA 19380
Real Estate, Appeals, Arbitration & Mediation and Construction
Villanova University School of Law and Widener University Delaware School of Law
I have been a real estate, business and trial lawyer since 1976. The firm handles real estate transactions from purchases of home to large commercial property. We handle zoning and subdivision and litigation. Our pipeline team aids landowners when pipeline companies want to acquire or expand easements.

We handle construction and other real estate litigation. Stucco has been a big issue in recent years.

We have a related title insurance agency which enables us to reduce our fees to real estate buyers and people refinancing.

I am the course planner and lead instructor for a series of continuing...
George J. D'Ambrosio
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George J. D'Ambrosio
West Chester, PA Real Estate Law Lawyer with 55 years of experience
(610) 429-1369 790 E Market St
#330
West Chester, PA 19382
Real Estate, Business and Estate Planning
Villanova University School of Law
George J. D’Ambrosio, Of Counsel in the Firm’s West Chester Office, has more than 45 years of experience in offering a wide range of legal services, including complex commercial litigation, personal injury, franchise, real estate and municipal law.

He started his legal career with the Philadelphia District Attorney’s Office, where he successfully prosecuted over 60 homicide cases. Throughout his career, Mr. D’Ambrosio has represented clients in the purchase and sale of franchises, has counseled clients in corporate transactions, and has extensive experience offering estate planning, estate and trusts administration and probate services.

For over 30 years, he was a...
Christopher Schubert
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Christopher Schubert
West Chester, PA Real Estate Law Attorney with 38 years of experience
(610) 235-4682 790 E Market St
#330
West Chester, PA 19382
Real Estate, Business and Communications
Villanova University School of Law
James Clymer
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James Clymer
Quarryville, PA Real Estate Law Attorney
(717) 786-0500 203 Commerce Drive
Quarryville, PA 17566
Real Estate, Business and Estate Planning
James N. Clymer is the managing partner of Clymer, Musser & Sarno P.C. Mr. Clymer practices in the areas of real estate, business law and estate planning & administration. He has worked with numerous organizations committed to the protection of religious liberty to include, the American Center for Law and Justice, the Rutherford Institute, and the Home School Legal Defense Association. Mr. Clymer served as the National Chairman for the Constitution Party and has run for Lt. Governor of Pennsylvania in 1994 and 1998. He has served on numerous boards, including Mom’s House of Lancaster, PA, American Family Association of...
Robert Musser
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Robert Musser
Quarryville, PA Real Estate Law Lawyer
(717) 786-0500 203 Commerce Drive
Quarryville, PA 17566
Real Estate and Estate Planning
University of South Carolina School of Law
Robert F. Musser, a shareholder in Clymer, Musser & Sarno P.C. practices in the areas of real estate, estate planning and administration, and title insurance underwriting and claims. He has been practicing in those areas for more than 35 years and has provided expert testimony on title insurance and real estate issues. In 2006 he served as President of the Pennsylvania Land Title Association. Rob is married to Barbara D. Musser and has three children. He enjoys everything.
Charles D. Garner Jr.
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Charles D. Garner Jr.
West Chester, PA Real Estate Law Attorney
(610) 436-8300 13 W. Miner Street
West Chester, PA 19382
Real Estate and Municipal
Dickinson School of Law
Charles D. Garner, Jr. was born on April 26, 1961. He graduated from Pottstown High School in 1979. Mr. Garner has been a lifelong resident of the Pottstown area. Mr. Garner graduated Cum Laude from Ursinus College in 1983 with a Bachelor of Arts. He received his Juris Doctor from Dickinson School of Law in 1983. He joined Reynier, Crocker, Allebach & Reber as an associate in 1986. He was promoted to partner in 1992 and remained at the firm until 1998. In 1998, he joined Paul Bauer to form Garner & Bauer. Mr. Garner developed...
Rachael L. Kemmey
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Rachael L. Kemmey
West Chester, PA Real Estate Law Lawyer with 11 years of experience
(610) 431-4600 113 East Evans Street Matlack Bldg, Suite D-1
Suite B
West Chester, PA 19380
Real Estate and Estate Planning
Widener University Commonwealth Law School
Rachael is an associate in the Trusts and Estates Department of Eckell Sparks in Media, PA. Prior to joining the firm, Rachael served as Judicial Law Clerk to The Honorable John P. Capuzzi, Sr., in the Criminal Division of the Delaware County Court of Common Pleas.

Rachael received her J.D. from Widener University School of Law, graduating cum laude and with pro bono distinction. While at Widener, she served on the Moot Court Honor Society Executive Board and competed in both national and regional competitions. In addition, Rachael served as Vice-President of the Public Interest Law Alliance. Rachael received the Howard...
Maureen Ostien
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Maureen Ostien
Exton, PA Real Estate Law Attorney
(610) 725-8300 390 Waterloo Blvd.
Suie 210
Exton, PA 19341
Real Estate, Business, Estate Planning and Family
Widener University Delaware School of Law
Providing guidance and direction to Clients in Real Estate, Estate Planning, Family Law, Contracts, Business Transactions, Legal Conflicts and Litigation Matters. Representing clients in one or more of these matters to help them in their everyday personal and/or business life. I am focused on providing my clients with the individual attention and the high quality of performance they deserve while always maintaining the degree of integrity and confidentiality required for my client's protection. MY GOALS are my client's goals and that is to reach the objectives they are seeking in whatever area of law or matter I am working on...
Steven C. Feinstein
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Steven C. Feinstein
West Chester, PA Real Estate Law Lawyer
(610) 864-4854 107 Wayne Court
West Chester, PA 19380
Real Estate, Civil Rights, Consumer and Personal Injury
Villanova University School of Law
Steven C. Feinstein

Steven has handled a wide array of legal matters over his more than 30 years of experience in law. Steven is a Wharton School of Business and Villanova Law graduate and considers himself to be a general practice lawyer, with emphasis in handling matters related to insurance, insurance coverage, and bad faith. He has expanded the rights of insureds in multiple jurisdictions. The hundreds of these kinds of cases that he has handled over the years has led him to be considered one of the leading experts in this area of law in Pennsylvania.

In addition to...
Christopher M. Brown
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Christopher M. Brown
West Chester, PA Real Estate Law Lawyer with 13 years of experience
(610) 431-4600 113 East Evans Street Matlack Bldg, Suite D-1
Suite B
West Chester, PA 19380
Real Estate and Estate Planning
Widener University Commonwealth Law School
Christopher M. Brown is a lifelong resident of the Philadelphia Area, having been born in Westbrook Park (Clifton Heights) and raised in Glen Mills. He graduated from Salesianum School in Wilmington, Delaware in 2004. In 2008, Chris earned his Bachelor’s Degree in Communication Studies from West Chester University.

While attending law school, Chris spent a summer working as an intern for the Office of the District Attorney of Delaware County, Pennsylvania.

Chris then worked as a law clerk for a private Media law firm while earning his Juris Doctorate from Widener University School of Law. Upon his graduation in...
James Metka
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James Metka
Exton, PA Real Estate Law Attorney with 44 years of experience
(610) 813-4994 600 Eagleview Blvd, Ste 300
Exton, PA 19341
Real Estate, Elder, Estate Planning and Probate
Widener University Delaware School of Law
Seamus M Lavin
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Seamus M Lavin
West Chester, PA Real Estate Law Attorney with 22 years of experience
(484) 887-0779 122 S. Church St.
West Chester, PA 19382
Real Estate, Business, Estate Planning and Probate
Villanova University School of Law, Villanova University School of Law and Rutgers School of Law-Camden
Seamus Lavin joined Wetzel Gagliardi & Fetter LLC in 2014. Seamus has been representing individuals, families and businesses in a variety of transactional and litigation settings for over a decade. Seamus’ transactional practice is focused towards assisting clients in the acquisition, protection and transfer of wealth. He achieves these goals by means of effective estate planning, business formation, real estate management, contract negotiation, and the efficient resolution of unavoidable litigation. His emphasize on the use of in-depth consultations enables him to implement estate plans tailored to each client's specific needs and goals. ...
Christopher A. Sarno
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Christopher A. Sarno
Quarryville, PA Real Estate Law Attorney
(717) 786-0500 203 Commerce Drive
Quarryville, PA 17566
Real Estate, Civil Rights and Criminal Defense
Widener University Delaware School of Law
Chris A. Sarno, Esq. is a trial attorney who practices in the areas of civil litigation and criminal defense. Chris began his career as a law clerk to President Judge Joseph C. Madenspacher of the Lancaster County Court of Common Pleas. Next, he became an Assistant Public Defender. After which he then joined the District Attorney’s Office where he focused on prosecuting felony sex offenses, serious physical abuse of children and child homicide cases.

Chris has tried many cases both as a prosecutor and defense attorney. He enjoys trial work the most and always looks forward to getting into the courtroom....
Vincent Carosella
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Vincent Carosella
West Chester, PA Real Estate Law Lawyer
(610) 431-3300 882 South Matlack Street
Suite 101
West Chester, PA 19382
Real Estate, Business, Estate Planning and Probate
Carosella and Associates, P.C. is a law firm licensed to practice in Pennsylvania and New Jersey. Our attorneys are experienced in Business Law, Criminal Law, Family Law, Real Estate, Estate Law and Immigration. We help our clients with incorporations, business contracts, real estate contracts, business buy/sell agreements, business succession planning, estate planning, wills, trusts, probates, real estate, leases, contracts, divorce, adoptions, bankruptcy issues and a lot more.
Richard S. Calabrese Jr.
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Richard S. Calabrese Jr.
West Chester, PA Real Estate Law Lawyer with 6 years of experience
(215) 801-3339 433 W Market St.
Suite 6
West Chester, PA 19382
Real Estate, Business and Tax
Villanova University School of Law and Villanova University School of Law
Wayne W Congar Sr.
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Wayne W Congar Sr.
CHESTER HEIGHTS, PA Real Estate Law Lawyer with 41 years of experience
(610) 389-1999 P. O. Box 84
CHESTER HEIGHTS, PA 19017
Real Estate, Business and Estate Planning
Elizabeth Devereaux Lubker
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Elizabeth Devereaux Lubker
Exton, PA Real Estate Law Attorney with 27 years of experience
(610) 725-8300 390 Waterloo Blvd.
Exton, PA 19341
Real Estate, Employment, Estate Planning and Family
Our firm is dedicated to providing you with convenient, trustworthy legal services whether you need a business contract, a will, legal action filed against an employer or have been injured in an accident.
Jonathan Arthur Jordan
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Jonathan Arthur Jordan
Exton, PA Real Estate Law Lawyer with 28 years of experience
(610) 458-4400 717 Constitution Drive
Suite 201
Exton, PA 19341
Real Estate and Business
Pepperdine University School of Law
Farzana Qaizar Hassonjee
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Farzana Qaizar Hassonjee
Chadds Ford, PA Real Estate Law Lawyer
(610) 361-8079 125 Commons Court
Chadds Ford, PA 19317
Real Estate, Bankruptcy, Business and Family
Matthew Raymond McGowen
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Matthew Raymond McGowen
West Chester, PA Real Estate Law Lawyer
(610) 840-0217 17 West Miner Street
West Chester, PA 19382
Real Estate
Russell E. Farbiarz
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Russell E. Farbiarz
Wyomissing, PA Real Estate Law Attorney with 16 years of experience
(610) 562-2000 928 Penn Ave.
Wyomissing, PA 19610
Real Estate, Elder, Estate Planning and Probate
Roger Williams University School of Law
Russell E. Farbiarz, Esq. provides advice and counsel to families and individuals looking for creative and effective solutions to their legal problems. Mr. Farbiarz considers it a privilege to assist his clients with what is often the largest problem or, in many cases, opportunity they have faced – whether it be the death of a loved one, the purchase of a residential or commercial property, purchase of a business, or a divorce, custody or support matter – and is committed to helping his client achieve their objectives. Indeed, as one recent client wrote in a testimonial: “If you are looking...
William F. Kerr
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William F. Kerr
Norristown, PA Real Estate Law Attorney with 33 years of experience
(610) 275-0700 40 East Airy Street
Norristown, PA 19401
Real Estate, Business and Tax
Temple University Beasley School of Law
William F. Kerr, Jr. has a breadth of experience in the area of real estate law, focusing on land use, land development and zoning; real estate taxation; real estate transactions; real estate title issues; eminent domain; real estate valuation; and real estate code compliance. He was previously a partner in the Philadelphia office of Blank Rome LLP.

Mr. Kerr represents developers, property managers and property owners of single and multi-family residential, hotel, shopping center, commercial, industrial, golf course, day-care, prison, utility, cell tower and airport properties. He has successfully represented these clients, in Philadelphia and throughout eastern Pennsylvania, in a variety...
Karen  Ulmer
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Karen Ulmer
Phoenixville, PA Real Estate Law Lawyer with 28 years of experience
(215) 752-6200 1003 Egypt Road
Phoenixville, PA 19460
Real Estate, Divorce, Family and Probate
Widener University Delaware School of Law
Karen Ulmer is the founder of Karen Ann Ulmer P.C., a law firm handling family law, estates and probate,. Ms. Ulmer is a family law attorney, author, and speaker who handles complex custody litigation including relocation cases, custody with a narcissist, grandparent visitation and custody and stepparent custody. In addition, she represents high net worth divorce matters involving businesses, investments, commercial real estate, pensions, military cases, and other litigated divorce issues. In addition to her trial experience, Ms. Ulmer has significant training in mediation and has settled many cases out of court and served...
Mark Fischer Jr
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Mark Fischer Jr
Norristown, PA Real Estate Law Lawyer with 20 years of experience
(610) 275-0700 40 East Airy Street
Norristown, PA 19401
Real Estate, Business, Construction and Employment
Villanova University School of Law
Mark Fischer is a business litigation attorney focusing his practice on representing businesses in breach of contract, payment collection, construction defect, and consumer protection disputes throughout Pennsylvania and New Jersey. Mark also represents local municipalities, property owners, and individuals in zoning and land development, code enforcement, real estate disputes, business transactions, and general civil litigation. Mark’s skills as an attorney center on his ability to represent the client’s best interests while maintaining a constant-eye toward efficiency and resolution.

Mark applies a business-oriented, customer service approach toward litigation. He has developed this mindset over his several years as regional counsel to a...
David Brooman
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David Brooman
Norristown, PA Real Estate Law Lawyer with 42 years of experience
(610) 275-0700 40 East Airy Street
Norristown, PA 19401
Real Estate, Construction, Environmental and Municipal
Villanova University School of Law
David J. Brooman has more than three decades experience in zoning and land use development, as well as environmental law. His background includes negotiating creative solutions in complex land use and environmental disputes, during project development and litigation. He has also counseled public and private companies, developers and lenders, and municipal governments on the business risks and economic impacts of federal, state and local land use and environmental regulations. Brooman is well-versed in crisis management and controversial land uses.

Brooman’s engagements include serving as special environmental and land use counsel to a Pennsylvania municipality in its acquisition and redevelopment of a...
Stephen M. Asbel
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Stephen M. Asbel
Philadelphia, PA Real Estate Law Lawyer with 34 years of experience
(215) 495-6500 2929 Arch St
Philadelphia, PA 19104
Free ConsultationReal Estate, Business, Estate Planning and Family
Villanova University
Seth Wilson
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Seth Wilson
Conshohocken, PA Real Estate Law Lawyer with 21 years of experience
(610) 825-0500 161 Washington Street, Suite 900
Conshohocken, PA 19428
Free ConsultationReal Estate, Medical Malpractice, Personal Injury and Products Liability
Temple University Beasley School of Law
Seth D. Wilson is a partner and shareholder at Morris Wilson Knepp Jacquette, P.C. He represents individuals and businesses throughout Pennsylvania and New Jersey's state and federal courts. Seth is widely regarded by legal professionals in the Greater Philadelphia region as a formidable opponent in the courtroom. Seth's reputation means he receives regular referrals from other attorneys who trust him to represent their clients based on his track record of achieving multi-million dollar jury verdicts. He is known for holding wrongdoers accountable and getting individuals maximum value for their cases.
Harris J. Chernow
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Harris J. Chernow
Philadelphia, PA Real Estate Law Attorney
(215) 495-6532 2929 Arch St
13th Floor
Philadelphia, PA 19104
Real Estate, Business and Entertainment & Sports
Temple University
Harris J. Chernow, Chair of Reger Rizzo & Darnall’s national Franchise & Distribution Practice Group, and member of the Firm’s Entertainment, Hospitality & Sports Law Group, concentrates his practice on franchise and business matters
Kandis L. Kovalsky
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Kandis L. Kovalsky
Philadelphia, PA Real Estate Law Lawyer with 10 years of experience
(215) 525-5850 123 S Broad St
#1950
Philadelphia, PA 19109
Free ConsultationReal Estate
Washington University in St. Louis
Justia
Associate Kandis Kovalsky is an accomplished business lawyer representing both corporate and individual clients in a broad range of complex commercial litigation matters in Pennsylvania and New Jersey state, federal and bankruptcy courts.

Kandis represents clients in all aspects of commercial litigation, particularly in matters involving business torts, partnership and shareholder disputes, contractual disputes, unfair and deceptive business practices actions, creditor’s rights and civil RICO actions. Although Kandis’ practice mostly focuses on cases in active litigation, Kandis also assists clients in general business matters and litigation avoidance.

Kandis represents commercial borrowers, secured and unsecured lenders and Chapter 7 trustees in complex bankruptcy...
Eric Ascalon
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Eric Ascalon
Newtown Square, PA Real Estate Law Attorney with 27 years of experience
(856) 220-0522 3400 West Chester Pike
Newtown Square, PA 19073
Real Estate, Business and Entertainment & Sports
American University
In Eric's role as Vice President of Development for Catalyst, he works collaboratively with municipal officials and stakeholders to establish public/private partnerships that fulfill community needs at no cost to taxpayers.

He is an enthusiastic team builder that draws on years of experience as a business development professional in the art and design industry, and as a transactional attorney.

Eric's commitment to the community can be noted through leadership roles in various groups and nonprofits, including as Chairman of the acclaimed Garden State Film Festival. A recent Ironman 140.6 finisher, Eric's personal interests include distance running and triathlon.
Kurt A Blake
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Kurt A Blake
York, PA Real Estate Law Lawyer with 30 years of experience
(717) 848-3078 29 East Philadelphia Street
York, PA 17401
Real Estate, Business, Landlord Tenant and Probate
Widener University
Kurt is an attorney with significant litigation experience at all levels of the Court's of Pennsylvania, who has the skill, knowledge and experience to assist clients, but the demeanor to speak and communicate with his clients in a manner meant to insure that his client's understand and are educated
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