Let’s say you are looking into joining a health club. The application form states that a membership runs for 12 months, and rules out a refund if you drop out early. When you ask the salesperson about this, he says: “If something major comes up, we can work something out.” You sign up and fully pay the annual fee, but six months later you find yourself moving to another city for a work assignment. The club has no affiliate in your new city, and the salesperson doesn’t
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