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Many people say, Aha! the moment you have a standardized transaction between a large company on the one hand and small diverse consumers on another hand, there is a risk of exploitation and advantage-taking. The most famous article in support of this position was written on contracts of adhesion by Friedrich Kessler in the Columbia Law Review in 1943. And he said that these adhesive contracts are such that you have to look with great suspicion on standardized terms. I think that this position is a mistake. First, everybody has to understand that standardized contracts are extremely efficient to negotiate because what happens is you could use one form for thousands upon thousands of people. The people who in fact draft these forms are aware of that and one of the things that you know as a draftsman if you make a mistake in the standard form contract, it can influence for the worst thousands upon thousands of transactions. Second point to note is that these things turn out to be effici