Back in the days of the environmental insurance coverage wars, we on the policyholder side argued (eventually successfully in New Jersey) that the word “sudden ... http://www.newjerseyinsurancecoveragelitigation.com/
The expression collective behavior was first used by Robert E. Park (1921), and employed later by Herbert Blumer (1939), Ralph Turner and Lewis Killian (1957), and ... http://en.wikipedia.org/wiki/Collective_behavior