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__    __     ___       _____     ___              
\ \\ / //   / _ \\    / ___//   / _ \\      ___   
 \ \/ //   / //\ \\   \___ \\  | / \ ||    /   || 
  \  //   |  ___  ||  /    //  | \_/ ||   | [] || 
   \//    |_||  |_|| /____//    \___//     \__ || 
    `     `-`   `-` `-----`     `---`       -|_|| 
                                             `-`

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Text this: Is a Contractual Clause Excluding a Right of Set-Off Subject to the Requirement of Reasonableness in the Unfair Contract Terms Act?