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Author: Oren Bar-Gill
Publisher: Oxford University Press
ISBN: 019966336X
Category : Business & Economics
Languages : en
Pages : 297
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Book Description
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.
Author: Oren Bar-Gill
Publisher: Oxford University Press
ISBN: 019966336X
Category : Business & Economics
Languages : en
Pages : 297
Get Book Here
Book Description
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.
Author: Oren Bar-Gill
Publisher:
ISBN: 9780191751660
Category : LAW
Languages : en
Pages : 280
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Book Description
'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.
Author:
Publisher:
ISBN: 9786613970626
Category :
Languages : en
Pages : 297
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Book Description
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.
Author: Tambi-Piḷḷai Isaac Tambyah
Publisher:
ISBN:
Category : Contracts
Languages : en
Pages : 206
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Book Description
Author: Lara Adrian
Publisher: Obsidian House Books, LLC
ISBN: 9780991647514
Category :
Languages : en
Pages : 400
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Book Description
Surrender to sinful pleasures and forbidden passions with Masters of Seduction, the sizzling new paranormal romance novella series from "New York Times" and internationally bestselling authors Lara Adrian, Donna Grant, Laura Wright and Alexandra Ivy. "In the realm of the Incubi Masters, pleasure is to die for and love is the deadliest game of all . . ." Merciless: House of Gravori by Lara Adrian Seeking vengeance for the murder of his brother, Incubus Master Devlin Gravori demands justice from the high court of the Nephilim. But fury and retribution are no match for the consuming desire he feels for Nahiri, the beautiful Nephilim warrior he claims as his hostage. Soulless: House of Romerac by Donna Grant Incubus Master Canaan Romerac is focused solely on revenge against those who betrayed him and put him in the Oubliette for five hundred years. That is until he sets eyes on Rayna. Can the beautiful Nephilim heal Canaan's wounded soul before it's too late? Shameless: House of Vipera by Laura Wright Sexy Incubus Master Scarus Vipera has grown weak, and the only thing that will strengthen him again is Rosamund, the power-rich female of the Harem. But the mysterious Nephilim is determined to leave the Harem untouched, her heart intact. Ruthless: House of Xanthe by Alexandra Ivy Jian, Master of the House Xanthe, has devoted his life to returning his family to their former prominence. When he's offered a contract to hunt down the missing Sovereign, he's eager to accept. The last thing he expects is to encounter a stunningly beautiful angel who stirs more than his lust.
Author: Warren Swain
Publisher: Cambridge University Press
ISBN: 1316240002
Category : Law
Languages : en
Pages : 363
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Book Description
The foundations for modern contract law were laid between 1670 and 1870. Rather than advancing a purely chronological account, this examination of the development of contract law doctrine in England during that time explores key themes in order to better understand the drivers of legal change. These themes include the relationship between lawyers and merchants, the role of equity, the place of statute, and the part played by legal literature. Developments are considered in the context of the legal system of the time and through those who were involved in litigation as lawyers, judges, jurors or litigants. It concludes that the way in which contract law developed was complex. Legal change was often uneven and slow, and some of the apparent changes had deep roots in the past. Clashes between conservative and more reformist tendencies were not uncommon.
Author: Pamela Susan Haag
Publisher: Cornell University Press
ISBN: 1501725408
Category : History
Languages : en
Pages : 254
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Book Description
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.
Author:
Publisher:
ISBN:
Category : Law reports, digests, etc
Languages : en
Pages : 1292
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Book Description
Author:
Publisher:
ISBN:
Category : Law reports, digests, etc
Languages : en
Pages : 1292
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Book Description
Author: Omri Ben-Shahar
Publisher: Princeton University Press
ISBN: 0691161704
Category : Law
Languages : en
Pages : 239
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Book Description
How mandated disclosure took over the regulatory landscape—and why it failed Perhaps no kind of regulation is more common or less useful than mandated disclosure—requiring one party to a transaction to give the other information. It is the iTunes terms you assent to, the doctor's consent form you sign, the pile of papers you get with your mortgage. Reading the terms, the form, and the papers is supposed to equip you to choose your purchase, your treatment, and your loan well. More Than You Wanted to Know surveys the evidence and finds that mandated disclosure rarely works. But how could it? Who reads these disclosures? Who understands them? Who uses them to make better choices? Omri Ben-Shahar and Carl Schneider put the regulatory problem in human terms. Most people find disclosures complex, obscure, and dull. Most people make choices by stripping information away, not layering it on. Most people find they can safely ignore most disclosures and that they lack the literacy to analyze them anyway. And so many disclosures are mandated that nobody could heed them all. Nor can all this be changed by simpler forms in plainer English, since complex things cannot be made simple by better writing. Furthermore, disclosure is a lawmakers' panacea, so they keep issuing new mandates and expanding old ones, often instead of taking on the hard work of writing regulations with bite. Timely and provocative, More Than You Wanted to Know takes on the form of regulation we encounter daily and asks why we must encounter it at all.
