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Discuss Marcum's arguments on the flaws in motivational theories.
Usurious Loan
A loan with an interest rate that exceeds the legal limit set by law, often considered predatory.
State Statutes
Laws that are established and enforced by individual U.S. states, as opposed to federal laws.
Gambling Agreement
A contract or arrangement between parties to stake something of value, typically money, on the outcome of an event with an uncertain result, with the primary intent of winning additional money or material goods.
Exculpatory Clause
A clause in a contract that basically frees one party (usually the drafter of the agreement) from all liability arising out of performance of the contract; generally based on factors such as consumer ignorance or a great deal of unexplained fine print that serve to deprive the less powerful party of a meaningful choice.
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