n2 For discussions of these concerns, see for example Powertel, Inc. v. Bexley, 743 So. 2d 570, 574-77 (Fla. Ct. App. 1999), rev. denied, 763 So. 2d 1044 (Fla. 2000)(holding that change of terms clause cannot be used to add arbitration clause to cellular telephone service contract because resulting clause is procedurally and substantively unconscionable under Florida law); Badie v. Bank of America, 67 Cal. App. 4th 779, 79 Cal.Rptr.2d 273, 291 (Cal. Ct. App. 1998), rev. denied, 1999 Cal. LEXIS 1198 (holding that bank could not use "change of terms" clause in credit cardholder agreement to unilaterally add arbitration clause via a "bill stuffer" notice included in envelope with regular monthly billing statement); Anne Brafford, Note, Arbitration Clauses in Consumer Contracts of Adhesion: Fair Play or Trap for the Weak and Unwary?, 21 Iowa J. Corp. L. 331 (Winter 1996)(summarizing arguments in favor of and against enforcing arbitration clauses in consumer contracts); Jeremy Senderowicz, Consumer Arbitration and Freedom of Contract: A Proposal to Facilitate Consumers' Informed Consent to Arbitration Clauses in Form Contracts, 32 Columbia J.L. & Soc. Probs. 275, 299-306 (Spring 1999)(proposing amendment to FAA to ensure disclosure necessary to obtain informed consent to arbitration clause in consumer contract); Matthew C. MacDonald & Kirkland E. Reid, Arbitration Opponents Barking Up the Wrong Branch, 62 Ala. Law. 56, 61 (Jan. 2001)(arguing that opponents of arbitration clauses in consumer contracts should petition the legislature to correct perceived abuses).