Question: Do the principles applied to a written guaranty in this case also govern electronically recorded agreements and contracts entered into online? Why or why not?

Do the principles applied to a written guaranty in this case also govern electronically recorded agreements and contracts entered into online? Why or why not?
Suppose that O'Neill had alleged a history of performance with HSBC that would have made his reliance on the complained-of representations reasonable. Could this have changed the result?

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