[anonbanker]

The onus on you is to provide evidence that I am unqualified to provide legal advice now. You didn't disprove anything I said, merely asterisk'ed it, as if that somehow made it irrelevant.

I'm curious as to what types of contracts it doesn't apply to, and what states it doesn't apply in. As you mentioned they exist, perhaps you can let me know which contracts and which states you were talking about?