A more thorough explanation:

EX MORA

Ex mora is a Latin term used in civil law to refer to a situation where there is a delay in fulfilling an obligation. It means "from or in consequence of delay." For example, if someone borrows money and fails to repay it on time, interest may be charged ex mora, which means that the interest is charged as a consequence of the delay.

1. John borrowed $1000 from his friend and promised to repay it in a month. However, he failed to repay the money on time. As a result, his friend charged him interest ex mora, which means that the interest was charged as a consequence of the delay.

2. Mary hired a contractor to renovate her house and agreed to pay him $5000 upon completion of the work. However, the contractor delayed the completion of the work by two weeks. As a result, Mary was entitled to claim damages ex mora, which means that she could claim compensation as a consequence of the delay.

These examples illustrate how ex mora is used in civil law to refer to a situation where there is a delay in fulfilling an obligation. In both cases, the delay resulted in additional charges or compensation being claimed as a consequence of the delay.