In general, insurers say criticisms of claims-handling are unfair because most policyholders are paid promptly, and some denials are necessary to root out fraud.

Some financial advisers say anyone who may move in less than seven years should not take out a reverse mortgage.

Some say because music is as much about personal expression as listening pleasure, sharing is integral to why songs have value in the first place.

Medicare's top officials said in 2006 that they had reduced the number of fraudulent and improper claims paid by the agency, keeping billions of dollars out of the hands of people trying to game the system.

Massachusetts has prohibited most financial advisers from using titles like 'certified senior adviser,' and some of the largest insurers, including MetLife and Genworth Financial, have similar rules.

Actually, attorneys say, copying a purchased CD for even one friend violates the federal copyright code most of the time.