"Standard" never meant fair. It only ever meant common — and so is the flu.
Page one takes the six words one at a time: where each clause hides in the document, what it actually does to you in plain English, and the specific move to make about it. The arbitration clause you already agreed to. The hypothecation language that lets your shares be pledged and re-pledged. The one-checkbox lending program that quietly costs you your vote and converts your qualified dividend into ordinary income on a 1099-MISC. The margin liquidation language that turns a stated deadline into a courtesy. The amendment clause that lets them rewrite the deal while you can't change a comma. And the transfer fee that decides what leaving costs.
Page two is the twenty-minute method that works on anything you ever sign — a lease, an auto loan, a job offer, an operating agreement. Five questions, same five every time, no law degree required. And the last question, the one that saves people the most money: how do I get out?
