[DTDinfo id=”100篇 中”]
Their clauses, strict beyond the general norms of fairness, “exaggerating warranties to the point where they were almost one hundred percent protection against claims,” were partially responsible for a “public atmosphere” against the companies; and for decisions and laws that disfavored enterprise, putting them in a position “worse••• than ••• any other contracting party.” 他们订出来的种种条款，其严峻程度背离了普遍的公平准则，从而“把保证条款夸大到如此程度，以致对保险人来说，保证条款成了几乎百分之百的保障——使被保险人无法索赔”。“公众的气氛”所以同保险公司对立，其部分原因就在于此：判决和法律之所以对保险业不利并使之处于“比•••其他任何契约当事人•••都要糟”的困境，其部分原因亦在于此。