On May 17, 2000, David Holmes met with Clarence Burleson, a loan officer with the Bank of Milligan, to discuss borrowing $5,000 from the bank to start a new business. After learning that he did not qualify for the loan because of his weak financial condition, Holmes told Burleson that his former employers, the Clarks, would guarantee payment of the loan. Burleson called the Clarks who orally stated on the telephone that they would personally guarantee the loan to Holmes. Relying on this guaranty, the bank loaned Holmes the $5,000. The bank sent a written guarantee to the Clarks for their signatures, but it was never returned to the bank. When Holmes defaulted on the loan, the bank filed suit against the Clarks to recover on the guaranty contract. The bank’s pleadings contain two arguments: 1) an enforceable express contract existed between the bank and the Clarks; and in the alternative 2) a quasi (implied-in-law) contract should be imposed to prevent unjust enrichment.
Using the IRAC method, discuss whether there was a contract as the bank claims and whether the Clarks are liable.

Ageneral requirement for informed consent is that no informed consent may include any exculpatory language. exculpatory language is that which waives or appears to waive any of the subject’s legal rights or releases or appears to release those conducting the research from liability for negligence. which of the following statements in a consent form is an example of exculpatory language? a. your participation in this research is voluntary. if you choose not to participate, or change your mind later, your decision will not affect your relationship with the researcher or your right to other services that you may be eligible for. b. taking part in the research is voluntary, but if you choose to take part, you waive the right to legal redress for any research-related injuries. c. the researcher may stop you from taking part in this research without your consent if you experience side effects that make your emotional condition worse. if you become too emotionally distressed during the research, you may have to drop out. d. in the event of any distress you may have related to this research, you will be given access to appropriate resources.