Seduction By Contract
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Seduction By Contract
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Author : Oren Bar-Gill
language : en
Publisher:
Release Date : 2012
Seduction By Contract written by Oren Bar-Gill and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012 with LAW categories.
'Seduction by Contract' explains how consumer contracts emerge from market forces and consumer psychology. Consumers' predictable mistakes - they are short-sighted, optimistic, and imperfectly rational - compel sellers to compete by hiding the true costs of products in complex, misleading contracts. Only better law can overcome the market's failure.
Seduction By Contract
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Author :
language : en
Publisher:
Release Date : 2012
Seduction By Contract written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012 with categories.
Consumers routinely enter into long-term contracts with providers of goods and services - from credit cards, mortgages, cell phones, insurance, TV, and internet services to household appliances, theatre and sports events, health clubs, magazine subscriptions, transportation, and more. Across these consumer markets certain design features of contracts are recurrent, and puzzling. Why do sellers design contracts to provide short-term benefits and impose long-term costs? Why are low introductory prices so common? Why are the contracts themselves so complex, with numerous fees and interest rates, tariffs and penalties? Seduction by Contract explains how consumer contracts emerge from the interaction between market forces and consumer psychology. Consumers are short-sighted and optimistic, so sellers compete to offer short-term benefits, while imposing long-term costs. Consumers are imperfectly rational, so sellers hide the true costs of products and services in complex contracts. Consumers are seduced by contracts that increase perceived benefits, without actually providing more benefits, and decrease perceived costs, without actually reducing the costs that consumers ultimately bear. Competition does not help this behavioural market failure. It may even exacerbate it. Sellers, operating in a competitive market, have no choice but to align contract design with the psychology of consumers. A high-road seller who offers what she knows to be the best contract will lose business to the low-road seller who offers what the consumer mistakenly believes to be the best contract. Put bluntly, competition forces sellers to exploit the biases and misperceptions of their customers. Seduction by Contract argues that better legal policy can help consumers and enhance market efficiency. Disclosure mandates provide a promising avenue for regulatory intervention. Simple, aggregate disclosures can help consumers make better choices. Comprehensive disclosures can facilitate the work of intermediaries, enabling them to better advise consumers. Effective disclosure would expose the seductive nature of consumer contracts and, as a result, reduce sellers' incentives to write inefficient contracts. Developing its explanation through a general framework and detailed case studies of three major consumer markets (credit cards, mortgages, and cell phones), Seduction by Contract is an accessible introduction to the law and economics of consumer contracts, and a powerful critique of current regulatory policy.
Seduction By Contract
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Author : Oren Bar-Gill
language : en
Publisher: OUP Oxford
Release Date : 2012-08-23
Seduction By Contract written by Oren Bar-Gill and has been published by OUP Oxford this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-08-23 with Law categories.
Consumers routinely enter into long-term contracts with providers of goods and services - from credit cards, mortgages, cell phones, insurance, TV, and internet services to household appliances, theatre and sports events, health clubs, magazine subscriptions, transportation, and more. Across these consumer markets certain design features of contracts are recurrent, and puzzling. Why do sellers design contracts to provide short-term benefits and impose long-term costs? Why are low introductory prices so common? Why are the contracts themselves so complex, with numerous fees and interest rates, tariffs and penalties? Seduction by Contract explains how consumer contracts emerge from the interaction between market forces and consumer psychology. Consumers are short-sighted and optimistic, so sellers compete to offer short-term benefits, while imposing long-term costs. Consumers are imperfectly rational, so sellers hide the true costs of products and services in complex contracts. Consumers are seduced by contracts that increase perceived benefits, without actually providing more benefits, and decrease perceived costs, without actually reducing the costs that consumers ultimately bear. Competition does not help this behavioural market failure. It may even exacerbate it. Sellers, operating in a competitive market, have no choice but to align contract design with the psychology of consumers. A high-road seller who offers what she knows to be the best contract will lose business to the low-road seller who offers what the consumer mistakenly believes to be the best contract. Put bluntly, competition forces sellers to exploit the biases and misperceptions of their customers. Seduction by Contract argues that better legal policy can help consumers and enhance market efficiency. Disclosure mandates provide a promising avenue for regulatory intervention. Simple, aggregate disclosures can help consumers make better choices. Comprehensive disclosures can facilitate the work of intermediaries, enabling them to better advise consumers. Effective disclosure would expose the seductive nature of consumer contracts and, as a result, reduce sellers' incentives to write inefficient contracts. Developing its explanation through a general framework and detailed case studies of three major consumer markets (credit cards, mortgages, and cell phones), Seduction by Contract is an accessible introduction to the law and economics of consumer contracts, and a powerful critique of current regulatory policy.
A Digest Of The Law Of Contract
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Author : Tambi-Piḷḷai Isaac Tambyah
language : en
Publisher:
Release Date : 1897
A Digest Of The Law Of Contract written by Tambi-Piḷḷai Isaac Tambyah and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1897 with Contracts categories.
Consent
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Author : Pamela Susan Haag
language : en
Publisher: Cornell University Press
Release Date : 2018-09-05
Consent written by Pamela Susan Haag and has been published by Cornell University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-09-05 with History categories.
Whom, over the past two centuries, has society construed as sexual "victims"? Where and when did the notion of consent—so crucial for law and politics today—emerge? In this brilliantly insightful work, Pamela Susan Haag traces the evolution of public wisdom on some of society's most private and controversial matters. At once an investigation of social history, popular culture, legal doctrine, and political theory, her book shows how in contemporary America the history of sexual rights is inextricably intertwined with that of liberalism. Haag examines the nineteenth-century obsession with the perils of seduction and twentieth-century disputes over white slavery, arranged marriages, interracial relationships, and rape. The history of heterosexual modernity and identity must, she argues, be viewed as a crucial component of a much larger historical narrative—that of the ways in which individual freedom and citizenship have been continually redefined in American liberal culture. She illuminates the development of liberalism from its "classic" stage that ended after the post-Reconstruction era to a "modern" version that came to fruition with the judicial acceptance of the right to privacy. Finally, she shows how debates over the meaning of heterosexual consent and violence contributed to this transformation.
Boilerplate
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Author : Margaret Jane Radin
language : en
Publisher: Princeton University Press
Release Date : 2012-12-07
Boilerplate written by Margaret Jane Radin and has been published by Princeton University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-12-07 with Law categories.
Why the increasing use of boilerplate is eroding our rights Boilerplate—the fine-print terms and conditions that we become subject to when we click "I agree" online, rent an apartment, enter an employment contract, sign up for a cellphone carrier, or buy travel tickets—pervades all aspects of our modern lives. On a daily basis, most of us accept boilerplate provisions without realizing that should a dispute arise about a purchased good or service, the nonnegotiable boilerplate terms can deprive us of our right to jury trial and relieve providers of responsibility for harm. Boilerplate is the first comprehensive treatment of the problems posed by the increasing use of these terms, demonstrating how their use has degraded traditional notions of consent, agreement, and contract, and sacrificed core rights whose loss threatens the democratic order. Margaret Jane Radin examines attempts to justify the use of boilerplate provisions by claiming either that recipients freely consent to them or that economic efficiency demands them, and she finds these justifications wanting. She argues, moreover, that our courts, legislatures, and regulatory agencies have fallen short in their evaluation and oversight of the use of boilerplate clauses. To improve legal evaluation of boilerplate, Radin offers a new analytical framework, one that takes into account the nature of the rights affected, the quality of the recipient's consent, and the extent of the use of these terms. Radin goes on to offer possibilities for new methods of boilerplate evaluation and control, among them the bold suggestion that tort law rather than contract law provides a preferable analysis for some boilerplate schemes. She concludes by discussing positive steps that NGOs, legislators, regulators, courts, and scholars could take to bring about better practices.
The Seductions Of Psychoanalysis
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Author : John Forrester
language : en
Publisher: Cambridge University Press
Release Date : 1991-10-25
The Seductions Of Psychoanalysis written by John Forrester and has been published by Cambridge University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 1991-10-25 with Literary Criticism categories.
Reflection on the history of psychoanalysis, its conceptual foundations and its relation to other disciplines.
Miss Molly Robbins Designs A Seduction
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Author : Jayne Fresina
language : en
Publisher: Sourcebooks, Inc.
Release Date : 2014-02-04
Miss Molly Robbins Designs A Seduction written by Jayne Fresina and has been published by Sourcebooks, Inc. this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-02-04 with Fiction categories.
Praise for The Wicked Wedding of Miss Ellie Vyne: "[The characters] banter and quibble with comic perfection."—Publishers Weekly "Wickedly funny, fast and sassy romance."—RT Book Reviews She Designs Dresses for London's Leading Ladies Molly Robbins is finally stepping into the spotlight. Her unique dress designs have caught the eye of London's elite. And if it means her own dress shop, proper Molly will make a deal with the devil himself—the notoriously naughty Earl of Everscham. But becoming his mistress is not a part of their arrangement. It's right there in the contract's fine print: No Tomfoolery. He's an Expert at Taking Them Off Carver Danforthe has a reputation for beautiful mistresses, cutting remarks, and shirking his responsibilities—not for indulging the ambitions of his sister's maid. He must have been drunk when he signed that blasted contract. The stubborn female may thing she's gotten the best of him, but what this situation calls for is a little hands-on negotiating... All's Fair in Love and Fashion
Jean Baudrillard Selected Writings
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Author : Jean Baudrillard
language : en
Publisher: Stanford University Press
Release Date : 2001
Jean Baudrillard Selected Writings written by Jean Baudrillard and has been published by Stanford University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2001 with Social Science categories.
An expanded edition of the first comprehensive overview of Baudrillard's work, this new edition adds examples from after 1985.
Governing The Hearth
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Author : Michael Grossberg
language : en
Publisher: Univ of North Carolina Press
Release Date : 2004-01-21
Governing The Hearth written by Michael Grossberg and has been published by Univ of North Carolina Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2004-01-21 with Law categories.
Presenting a new framework for understanding the complex but vital relationship between legal history and the family, Michael Grossberg analyzes the formation of legal policies on such issues as common law marriage, adoption, and rights for illegitimate children. He shows how legal changes diminished male authority, increased women’s and children’s rights, and fixed more clearly the state’s responsibilities in family affairs. Grossberg further illustrates why many basic principles of this distinctive and powerful new body of law — antiabortion and maternal biases in child custody — remained in effect well into the twentieth century.