ccord Maddock v. KB Homes, Inc., 248 F.R.D. 229, 237 (C.D. Cal. 2007); McLaughlin v. Liberty Mut. Ins. Co., 224 F.R.D. 295, 298 (D. Mass. 2004); cf. Gulf Oil Co. v. Bernard, 452 U.S. 89, 104, 101 S. Ct. 2193, 68 L. Ed. 2d 693 (1981) ("[T]he mere possibility of abuses does not justify routine adoption of a co