5.1 Introduction 5.2 Stress due to a concentrated load 5.3 Stress due to a circular loaded area 5.4 Stress below a rectangular area 5.5 Average stress increase due to a rectangularly loaded 5.6 Stress increase under an embankment 5.9 Elastic settlement of foundations on saturated clay (m = 0.5) 5.10 Settlement based on theory of elasticity