agreement nor adversely affect the rights of third parties. Where all the elements of a contract, at the time of its conclusion, are connected with only one country, Article 3 may not be used to evade the mandatory provisions of that state (Article 3(4)). To establish a choice demonstrated with reasonable certainty, there must have been a "real choice". That the parties would have chosen a particular law is not sufficient. The court will take into account both the terms of the contract and the circumstances of the case. The Guiliano-Lagarde Report gives three examples of situations where a real choice may be demonstrated with reasonable certainty: Standard form contracts The report gives as an example a Lloyd's policy of marine insurance. Jurisdiction and arbitration agreements Course of dealing Implied selection If there is no express choice, Article 4 provides that the contract shall be governed by the law of the country with which it is most closely connected. If the agreement is severable, two applicable laws may be selected. For these purposes, it is presumed that the contract is most closely connected with the lex loci solutionis, i.e. the law of the place where the contract is to be performed, or the law of the habitual residence of the person who is to perform, or, in the case of a body corporate or unincorporate, where its central administration is located. However, if it is a commercial or professional contract, the applicable law will be the law of the place in which the principal place of business is situated or, where under the terms of the contract the performance is to be effected through a place of business other than the principal place of business, the country in which that other place of business is situated except that there is a rebuttable presumption: where the subject matter of the agreement is immovable property, the lex situs will apply; and contracts for the carriage of goods and charter-parties are governed by the law of the place in which, at the time the contract is concluded, the carrier has his principal place of business if that is also the place in which loading or discharge is to occur or the place where the consignor has his or her principal place of business. Consumer contracts Article 5 applies to contracts for the supply of goods or services to a consumer for a non-commercial