1. Facts of the Case The plaintiffs took out a mortgage loan with the defendant bank. The loan agreement provided for a processing fee as well as other one-time costs. According to an addendum to the agreement, the one-time costs consisted of registration fees, property inspection fees, and escrow processing fees. The plaintiffs demanded a refund of the processing fee, arguing that the clause regarding the loan processing fee did not make it clear what the fee was charged

1. Facts of the Case The plaintiff and the defendants provide IT consulting and software solutions to business customers. After leaving the plaintiff’s company, the defendants founded their own firm. The plaintiff accused them of unfairly poaching employees and customers, as well as of the unauthorized use of business documents, and formulated its request for a declaratory judgment in part as follows: “It is hereby declared that the [defendant] parties are jointly and sev

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