After a good general discussion of the shifting burden on proving the opposing party agreed to the arbitration agreement, this decision affirms the trial court’s order denying defendant’s motion to compel arbitration. Defendant tried to establish that the 90-year-old plaintiff had agreed to a home repair and accompanying loan agreement by showing his electronic signature on the repair contract and loan agreement that contained the arbitration clause. However, defendant’s own records showed that the signatures were added and the documents returned within 23 seconds after they were sent to plaintiff’s daughter’s iphone. The trial court was not convinced that the plaintiff understood what the transaction was and had agreed to it or signed the agreements. Since defendant bore the ultimate burden of proof on that issue and since the substantial evidence rule applied on review of that finding, the appellate court affirmed.