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The text highlights issues with using generic online marital settlement agreements, particularly in California. It emphasizes that such agreements can mislead parties about properly listing assets and debts. A specific example shows a flawed clause that merely states parties acknowledge their asset division without itemizing specific assets and debts. In California, it's crucial to detail each asset and debt by name, including account numbers, especially for 401(k)s and pensions. If these specifics are not included in the settlement agreement, the judgment may not be approved.