s] disadvantage by requiring arbitration." In re Humana Inc. Managed Care Litigation, 285 F.3d 971, 976 (11th Cir. 2002) rev'd on other grounds by PacifiCare Health Sys.. Inc.. Book, 538 U.S. 401 (2003), citing Tepper Realty Co. I. Mosaic Tile Co., 259 F.Supp. 688, 692 (S.D.N.Y. 1966). This case does not involve an arbitration