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NO. 6456″ may 7, 2004. 20 however, substantial injury may involve other forms of harm. FOr instance, unwarranted health and safety risks may also support a finding of unfairness. FOr an example, see philip morris, inc. , 82 f. T. C. 16 1973 a consent acquiescence in which equivalent had allotted free sample razor blades in such a way that they could come into the hands of small infants. ANd while touching harm commonly is not acceptable to find large injury, under certain situation e. G. , first low rates for new reports. DEtermining whether this element of the unfairness test is met i. E. , whether an injury is outweighed by countervailing gains turns on the facts of each case; though the advisers in credit card lending talk 3 found the injury outweighed by the profits, a other finding may result from further facts. 22credit card lending lesson 3:banks should closely examine, monitor, and test their affairs exerts to confirm the gains connected with those conducts be they related to a product or service, in their net effect, outweigh any harm subsequent from such applies. FOr instance, while certain payment allotment conducts in insularity may appear onerous and unfair, such exerts, in their net effect, may benefit buyer and contest e. G. , the availability of low rate balance transfers or other hortative rates. IN adding, practices that do not result in a fair business of value between banks and their clients are likely unfavourable to best—and tolerable—business performs, as evidenced by current macroeconomic and economic events. 23public policy—as certified by statute, regulation, or judiciary rulings—may be premeditated in gauging whether an act or practice is unfair under section 5 of the ftc act.