| http://www.w3.org/ns/prov#value | - Baker next argues that her arbitration clauses expose creditholders to expenses they would not be required to pay in litigation, including filing fee, the arbitrator's fees and costs, and the cost of Plaintiffs' own counsel, experts, witnesses, and other expenses, regardless of who prevails. [Id. at 33.] However, the Sears account arbitration agreements are similar to McKay's agreement in that
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