I'd say that's generally right, though a slightly more charitable way to think about it is that it partly an arms race as well as a CYA thing -- after all, if y

I'd say that's generally right, though a slightly more charitable way to think about it is that it partly an arms race as well as a CYA thing -- after all, if you don't rigorously protect your client to the best of your ability you run the risk of getting in trouble yourself; so the things just keep accreting in terms of "what is expected in a contract."