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Why did most early unions operate as "friendly societies" providing mutual insurance of various kinds?
Material Fact
Any fact that, if known, could influence an individual's decision-making in a transaction, contract, or legal case.
Physical Duress
A situation where an individual is forced to act against their will or consent due to the threat of physical harm or actual physical force.
Improper Threats
Coercive statements or actions that are unethical, illegal, or otherwise inappropriate, especially to gain an advantage in a negotiation or transaction.
False Representation
The act of deliberately presenting false information or misrepresenting facts, typically with the intent to deceive or mislead.
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