Among those obsessive-compulsive few who do bother to click, Marotta-Wurgler suspects that an even smaller fraction do much reading.

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In one study by NYU professor Florence Marotta-Wurgler, only about .11% of users clicked on a terms of service agreement.

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That's the conclusion of Malcolm Baker of Harvard Business School, Brendan Bradley of Acadian Asset Management in Boston and Jeffrey Wurgler of New York University's Stern School of Business.

FORBES: Magazine Article