 In the case of domestic surrogacy, critics charge that surrogate mothers are young and do not fully understand the physical and psychological risks that attend the services they are agreeing to provide. As a result, the arrangement might be harmful on net to them despite the fact that they consent to it. Or, even if it is not harmful on net, the payment they receive might be inadequate compensation for the costs they incur, thus rendering surrogacy a case of mutually beneficial but unfair and exploitative exchange (Tong 1990).