There's only a few elements to it. One is very obvious: that there's some advantage taking going on. Another element of it is the vulnerability of the person being taken advantage of and the kind of nexus between that is a knowledge or a wilful blindness of that weakness. And if you put those things together, we can see that we've got some real wrongdoing. Added into that, there's almost always an inequality of exchange that goes hand-in-hand with it, that the bargain simply isn't a fair one, and when you put all that together and stand back, we get the fact that this transaction overall, as a whole, is simply inequitable; that a person in good conscience could not enter into it and take advantage of it. 