A claim is most likely caused by a change in circumstance which has occurred rapidly. A decision regarding the fairness of the circumstance can be made by reference to norms of social exchange. Circumstances can be defined in terms of rate, scope, and magnitude. Individuals' education, psychological makeup, and access to resources will affect the way in which they examine and interpret particular circumstances. The type of organization in which persons are involved or on which individuals are focusing will also affect the likelihood of their making a claim. Simply extending access to means and forums for claim and dispute processing to groups with little education and income will not of itself result in claims being made. In addition, many claims exist which await definition. Tables and six reference notes are provided.