The article is correct, I was not showed the terms and conditions when I asked for it. For the prof. in the article it was the same thing. He just cut a cheque. I didn't. i preferred to buy a car instead. Why cant we insist of deals based on principles of good faith? Why the deceit in a 20 years relationship? You liked it, maybe I would have liked it too but why not the terms and conditions at the start?