5.3.4. An agreement under paragraph 5.3.2.c regarding the use by third parties of drawings or products or intellectual property rights associated with non-commercial purposes must include an obligation not to use the material for commercial purposes or to authorize others, unless a benefit-sharing agreement has been reached with the access party. The industry has learned in the strongest possible terms that many courts will not apply policies against policyholders if the judges themselves do not understand what the policy says. As a general rule, the courts are designed in insurance insurance against the insurance company and in favor of coverage as part of the policy. A mix with more proportional cost sharing can easily exceed the current Medicare advantage model in terms of adjustment at the individual level. A mixed 90/10 system with 90% of the average population weight and 10% at cost produces an R-square equivalent of 0.19, almost twice as much as the current model. To give just one other example, a 50/50 mix generates an R-square equivalent of 0.75, significantly exceeding the adjustment of each risk adjustment formula. Field 4.4 shows the general formula for establishing the degree of mixing with the R square equivalent in relation. The most important example of governance problems in the CED agreements is the risk-sharing agreement to ? interferons and glatiramers in the treatment of multiple sclerosis in the UK. In its first evaluation, NICE refused to fund these drugs for clinical efficacy and cost reasons (McCabe etal.,2010). In 2002, the government, along with the four manufacturers involved, established a DEC to monitor a cohort of approximately 5,000 patients in 72 centres for 10 years, with a maximum cost of drugs funded by USD 35,000/QALY. The interim analysis expected after two years was not published until 2009 (Boggild etal., 2009) due to patient recruitment problems. It was observed that the results were not positive, with actual benefits (measured by the expanded disability status scale) being lower than expected and untreated comparative data.