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A formal settlement agreement received from the other party contains terms related to the dispute substance and money, which were negotiated back and forth. The agreement will not include apologies or admissions of guilt, as it is a common practice in legal agreements. Settlement is about compromise and practical considerations, such as time, cost, and risks of litigation. While some may wish for an apology, it is important to focus on the terms agreed upon rather than personal feelings. The agreement cannot be used in further Court proceedings to suggest guilt.