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The text discusses the terms of a formal settlement agreement, including the purpose, intent, and dispute substance. It emphasizes the importance of understanding the terms you negotiated and not taking the lack of apologies or admissions of guilt personally. Settlements are about compromise, and it is possible to negotiate for an apology, but it is likely that the agreement will contain a clause stating there is no admission of guilt. Settlements may be reached for practical reasons, such as time, cost, and risks of litigation.