Encumbrance

The word of the day from Canadian Readers Digest Word Play is
Hindrance; burden; obstruction; as, the encumbrance of feeling that advancement depends on group support rather than individual effort

Encumberance :In law, a right or interest in land, for example a mortgage, lease, restrictive covenant, or right of way, which benefits someone other than the owner of the land.
It is also a term used by colleges and universities to describe limitations placed on student's account due to late payment, late registeration, or other reasons stated by the institution. An encumbrance can prohibit stsudnets from registering for classes, affect the release of their transcripts, or delay the receptions of their diplomas.

Here is a nice poem I found, I am including this because the poet did a good job with words
Within the rotundity of earth,
Away from the mundane misanthropy,
Lies the elixir of altruism,
The eternal enzyme of philanthropy.
Off the unvarnished vulgarity,
Adrift the vitriolic diatribes,
And the venomous vendettas,
Lay the protege of peace,
The land of literati,
Where not the malicious but,
The benevolent survive,
Whose dexterity lies not,
in the malevolance or insolence,
But in compassion and munificence,
and here is where shall a man
Perceive paradise before rigor mortis......

To get to the web site where I found this click here