PRICE, Justice.
Plaintiff was injured while using health club facilities. He had signed a two-page, seventeen-paragraph “Retail Installment Contract” containing a general exculpatory clause. The clause, however, did not expressly release the health club from injuries resulting from its own negligence. The trial court ruled that the exculpatory clause did not bar plaintiffs negligence action as a matter of law, but the trial court allowed the contract as evidence and submitted the issue to the jury as a matter of fact. The jury returned a verdict for plaintiff in the amount of $17,000.
We hold that the exculpatory clause was ambiguous and that defendant health club did not insulate itself from liability for future negligence because the exculpatory clause did not use the word “negligence” or “fault” or their equivalents so that a clear and unmistakable waiver occurred. We further hold that the trial court correctly denied the plaintiffs motion for a new trial on damages and plaintiffs request for an instruction on punitive damages. The judgment of the trial court is affirmed.
I.
In 1982, Charles Alack became a member of Vic Tanny International of Missouri, Inc., a health club facility. Alack was encouraged to engage in a specific cardiovascular workout routine known as the “Super Circuit”. During this routine, a member was instructed to exercise on ten different weight machines while running a lap between each exercise. The weight machines used during a “Super Circuit” were specifically chosen because they required only a selection of weight amount prior to their use and would not interrupt the cardiovascular nature of the routine.
While using an upright row machine during a “Super Circuit”, the machine’s handle disengaged from the weight cable and smashed into Alack’s mouth and jaw. Alack suffered injuries to his mouth and lips, including several loose and broken teeth. As [333]*333of the trial, Alack had seen his dentist over 20 times, had undergone two surgeries, and was scheduled for a third surgery. While the surgeries relieved some of Alaek’s pain, his temporomandibular joint remained displaced. Alack testified that he will be subject to additional jaw problems, including arthritic changes, and might require additional surgery in the future. Alack had already incurred, or was committed to incur, $17,000.00 in medical expenses for these surgical and dental procedures.
The handle of the machine was connected without the necessary clevis pin placed between the cable and the pigtail hook. The manufacturer originally designed, manufactured, and shipped the machine with the clevis pin in place. The manufacturer also provided a user manual warning that keeping the equipment correctly assembled was “critically important to user safety.”1 At trial, maintenance employees of Vic Tanny acknowledged that the work-out machine could be dangerous if used without the clevis pin. It was also acknowledged that Vic Tanny did not require periodic inspections by any specifically designated employee to make certain that the clevis pin was in place.
On cross-examination, Alack was questioned about his Vic Tanny “Retail Installment Contract”, including a paragraph purporting to release Vic Tanny from “any and all claims” against it.2 At no place in the membership contract does Alack expressly agree to release Vic Tanny from its own future negligence or fault. All seventeen of the paragraphs on the form-contract were printed with the same-sized lettering. Nothing made Paragraph G, or any of the language contained therein, conspicuously stand out. Alack signed the contract near the bottom of the first page. Paragraph G was on the back side of the contract.
During trial, Vic Tanny initially used the exculpatory paragraph to demonstrate that Alack was aware that injuries could occur during a workout session. Then Alack used the paragraph to explain that he believed he was only releasing Vic Tanny from any injuries caused if he attempted to lift too much weight or workout for too long of a period. Alack explained what the clause meant to him during direct examination:
Q. (By Alack’s attorney) And having read that language what was your understanding as to what that language meant?
A. (By Alack) That language to me meant that if — It’s somewhat of a limitation of liability intended. And to me it meant that if I did something, sprained my back, which I have done, sprained ankle or whatever in working out with the weights that they’re not hable.
⅜ ⅜ ⅝ ⅜ ⅜ ⅜:
Q. Did you understand that language to mean that if Vic Tanny was negligent and that negligence resulted in injury to you that you could not bring a claim against Vic Tanny for negligence?
A. No, that was not my understanding.
[334]*334Finally, Vic Tanny argued that the exculpatory clause entitled it to a directed verdict because Paragraph G bars any negligence claim by Alack as a matter of law. The trial judge decided to submit the issue to the jury. The jury was instructed that it could find in favor of Vic Tanny only if it believed that, when Alack signed the membership agreement, he had agreed to release Vic Tanny from the type of claim involved in this case. The jury returned a verdict against Vic Tan-ny on Alaek’s negligence count, and awarded Alack $17,000.00 in damages. Vic Tanny filed a motion for judgment notwithstanding the verdict. Alack filed a motion for a new trial on the issue of damages or, in the alternative, to increase the jury award. Both motions were overruled by the trial court.
Vic Tanny appeals, alleging: 1) that the trial court erred in denying Vic Tanny a directed verdict as a matter of law on Alack’s negligence claim because of the exculpatory membership contract; 2) that the trial court erred in allowing Alack to testify to his understanding of the membership agreement because the agreement contained clear and unambiguous language not to be contradicted by parol evidence; and 3) that the trial court erred in refusing Vic Tanny’s proffered instruction that provided an affirmative defense based on the release contained in the membership contract.
Alack cross-appeals, alleging: 1) that the trial court erred in allowing the exculpatory language of the membership contract into evidence because it was irrelevant and prejudicial, and, therefore, he is entitled to a new trial on damages; and 2) that the trial court erred in refusing to submit an instruction on the issue of punitive damages because the jurors could have found that Vic Tanny demonstrated complete indifference to or conscious disregard for the safety of others.
II.
A. Release From Future Negligence
1.
Although exculpatory clauses in contracts releasing an individual from his or her own future negligence are disfavored, they are not prohibited as against public policy. Rock Springs Realty, Inc. v. Waid, 392 S.W.2d 270, 272 (Mo.1965). However, contracts exonerating a party from acts of future negligence are to be “strictly construed against the party claiming the benefit of the contract, and clear and explicit language in the contract is required to absolve a person from such liability.” Hornbeck v. All American Indoor Sports, Inc., 898 S.W.2d 717, 721 (Mo.App.1995). It is a “well-established rule of construction that a contract provision exempting one from liability for his or her negligence will never be implied but must be clearly and explicitly stated.” Poslosky v. Firestone Tire and Rubber Co., 349 S.W.2d 847, 850 (Mo.1961).
2.
Most states have enforced exculpatory clauses when they include specific references to the negligence or fault of the drafter. In Dresser Industries, Inc. v. Page Petroleum, Inc., 853 S.W.2d 505, 508-509 (Tex.1993), the Texas Supreme Court applied an “express negligence doctrine” that requires a release to specifically express the intent of a party to be relieved from his or her own negligence. The court explained that indemnity agreements, releases, exculpatory agreements, or waivers are extraordinary methods of shifting the risk of negligent conduct. Id. at 508. Therefore, individuals wishing to protect themselves from their own negligence “must express that intent in specific terms within the four corners of the contract.” Id.
In Gross v. Sweet, 49 N.Y.2d 102, 424 N.Y.S.2d 365, 367-368, 400 N.E.2d 306, 309 (1979), the New York Court of Appeals first noted the following principles of law regarding the construction of exculpatory language:
As the cases make clear, the law’s reluctance to enforce exculpatory provisions of this nature has resulted in the development of an exacting standard by which courts measure their validity. So, it has been repeatedly emphasized that unless the intention of the parties is expressed in unmistakable language, an exculpatory clause will not be deemed to insulate a party from liability for his own negligent acts [citations omitted]. Put another way, it must appear plainly and precisely that [335]*335the “limitation of liability extends to negligence or other fault of the party attempting to shed his ordinary responsibility” [citations omitted].
Not only does this stringent standard require that the drafter of such an agreement make its terms unambiguous, but it mandates that the terms be understandable as well. Thus, a provision that would exempt its drafter from any liability occasioned by his fault should not compel resort to a magnifying glass and lexicon, [citations omitted].
The court then held that a release providing that “I ... waive any and all claims”, language remarkably similar to that used in the present case, was insufficient to bar a personal injury action for negligence because the release “nowhere expresses any intention to exempt the defendant from liability for injury or property damages which may result from his failure to use due care.... ” Id. 424 N.Y.S.2d at 369-70, 400 N.E.2d at 311. In requiring the use of the word “negligence” or “words conveying a similar import” the court noted that while one might accept the risks inherently associated with any particular activity, “it does not follow that he was aware of, much less intended to accept, any enhanced exposure to injury occasioned by the carelessness of the very persons on which he depended for his safety.” Id. 424 N.Y.S.2d at 368-70, 400 N.E.2d at 310-11 (emphasis in original). See also Schlobohm v. Spa Petite, Inc., 326 N.W.2d 920, 923 (Minn.1982) (barring claim when “negligence” stated in release); Doyle v. Bowdoin College, 403 A.2d 1206, 1208 (Me.1979) (holding the release must use the “greatest particularity” to extinguish negligence liability and there must be an express reference to liability for negligence); Geise v. County of Niagara, 117 Misc.2d 470, 458 N.Y.S.2d 162, 164 (N.Y.Supp.1983) (explaining that a negligence claim was not barred unless words referring to the “neglect” or “fault” of the defendant were used in the release); Haugen v. Ford Motor Co., 219 N.W.2d 462, 470 (N.D.1974) (holding that there is no “plain and precise” limitation of liability without a reference to “negligence”); Blum v. Kauffman, 297 A.2d 48, 49 (Del.1972) (explaining that the word “negligence” was not in release and, therefore, did not “clearly and unequivocally” spell out the intent to grant such protection from liability for negligence); Ciofalo v. Vic Tanney Gyms, Inc., 10 N.Y.2d 294, 220 N.Y.S.2d 962, 963-964, 177 N.E.2d 925, 926 (1961) (barring claim when “negligence” stated in release).
Other states have said that the word “negligence” is not necessarily required in an agreement in order to release a party from his or her own negligence. In Audley v. Melton, 138 N.H. 416, 640 A2d 777 (1994), a model was bitten by a lion during a photography shoot. The model had signed a release stating she realized working with wild animals was potentially dangerous and that she released “the photographer, his/her agents or assigns from any and all liability whatsoever.” Id. 640 A.2d at 778. The trial court granted the photographer summary judgment on the model’s negligence claim. However, the New Hampshire Supreme Court reversed because the clause failed to bring particular attention “to the notion of releasing the defendant from liability for his own negligence.” Id. 640 A.2d at 779. While the magic word “negligence” is not required, the language must “put plaintiff on clear notice of such intent.” Id.
In Boehm v. Cody Country Chamber of Commerce, 748 P.2d 704 (Wyo.1987), a member of a gun club was injured during a mock gunfight. Because he had signed a release, the trial court granted summary judgment in favor of the defendant gun club, and the Wyoming Supreme Court affirmed. The release stated that the member shall “hold harmless and release [defendant], its agents and employees ... from any and all claims and damages which [plaintiff] may incur from participating in any and all activities sanctioned by [defendant].” Id. at 711. The court held that such language was a “clear and unambiguous” release of defendant from its own negligence liability even without the use of the word “negligence” in the release. Id. See also Hardage Enterprises v. Fidesys Corp., N.V., 570 So.2d 436, 437 (Fla.App.1990) (holding that the specific word “negligence” is not needed and “any and all claims” language will sufficiently bar a negligence claim); Neumann v. Gloria Marshall Figure [336]*336Salon, 149 Ill.App.3d 824, 102 Ill.Dec. 910, 913, 500 N.E.2d 1011, 1014 (1986) (explaining that specific reference to “negligence” is not required in an exculpatory clause in order to bar a negligence claim).
3.
Historically, Missouri appeHate courts have required that a release from one’s own future negligence be explicitly stated. In Poslosky v. Firestone Tire and Rubber Co., 349 S.W.2d 847 (Mo.1961), this Court held that a tenant was not released from liability for negligently starting a fire when the lease did not contain clear language referring to exemption from negligence. Instead, the lease stated only that “Lessor agrees that it wiH ... keep the improvements on the said premises insured against fire ... and aU moneys collected from such insurance shaU be used toward the full compliance of the obligation of Lessor [to repair or restore the damaged premises].” Id. at 849. In holding this language inadequate, the Court noted the traditional rule of construction particular to exculpatory clauses by stating that “a contract provision exempting one from liability for his negligence wiH never be impHed but must be expHcitly stated.” Id. at 850. See also Phoenix Assur. Co. of N.Y. v. Royale Investment Co., 393 S.W.2d 43 (Mo.App.1965) (explaining that language on back of a parking lot ticket did not shield hotel from its own negKgence in allowing a car to be stolen because a release from negligence can never be impHed, but must be clearly and expHcitly stated); Thomas v. Skelly Oil Co., 344 S.W.2d 320 (Mo.App.1960) (holding that indemnity and release agreement between a gas station and oü company did not immunize the oü company from immunity for an explosion caused by its own negHgence because the agreement did not clearly refer to damage due to the negHgence of oü company); Meyer Jewelry Co. v. Professional Building Co., 307 S.W.2d 517 (Mo.App.1957) (finding that a landlord did not exonerate himself “in plain terms” from his own acts of negligence, but only shielded himself in the lease from acts of negHgence by other tenants or third parties).
These concepts have recently been applied in Vergano v. Facility Management of Missouri, Inc., 895 S.W.2d 126 (Mo.App.1995); and Hornbeck v. All American Indoor Sports, Inc., 898 S.W.2d 717 (Mo.App.1995). In Vergano, the trial court granted summary judgment on a personal injury claim in favor of the operator of an ice skating arena. The plaintiff had claimed negligence in faüing to maintain or repair the ice, but she had signed a valid release providing: “... I for myself and personal representatives, ... release, waive, discharge and covenant not to sue [ice arena operator] from all liability ... on account of injury to the person or property of the undersigned, caused by the negligence of [ice arena operator]_” 895 S.W.2d at 127 (emphasis added). The court of appeals affirmed the summary judgment and explained the release was an enforceable bar to plaintiffs claim because “its terms were simple and clear” and because “it was her free choice to release [ice arena operator] of a claim of negHgence and skate, or refuse to execute the release and not skate.” Id. at 128.
In Hombeck, the trial court granted summary judgment in favor of the operator of an indoor soccer arena. The plaintiff had claimed the operator breached the duty of reasonable care to maintain the arena in a reasonably safe condition, resulting in personal injury to the plaintiff. In Hornbeck, the plaintiff had also signed a release stating: “... the undersigned person(s) hereby release [indoor soccer arena operator] from any and all claims, liability, loss of services and causes of action of any kind for personal injury and property damage arising in any way out of said participation....” 898 S.W.2d at 719-20. However, the court of appeals reversed the summary judgment because the release did not specifically contain the word “negHgence”. The court noted that contracts exonerating a party from acts of future negligence are to be “strictly construed against the party claiming the benefit of the contract, and clear and expHcit language in the contract is required to absolve a person from such Hability.” Id. at 721. Applying this standard to the language of the release, the court then held that the language “does not clearly and unambiguously exoner[337]*337ate [indoor soccer arena operator] from its own negligence.” Id.
4.
We are persuaded that the best policy is to follow our previous decisions and those of other states that require clear, unambiguous, unmistakable, and conspicuous language in order to release a party from his or her own future negligence. The exculpatory language must effectively notify a party that he or she is releasing the other party from claims arising from the other party’s own negligence. Our traditional notions of justice are so fault-based that most people might not expect such a relationship to be altered, regardless of the length of an exculpatory clause, unless done so explicitly. General language will not suffice.
“A determination as to whether a [contract] is ambiguous is a question of law to be decided by the court.” Royal Banks of Missouri v. Fridkin, 819 S.W.2d 359, 361 (Mo. banc 1991) (citing Jim Carlson Construction, Inc. v. Bailey, 769 S.W.2d 480, 482 (Mo.App.1989)). “An ambiguity arises when there is duplicity, indistinctness, or uncertainty in the meaning of the words used in the contract.” Rodriguez v. General Accident Insurance Company of America, 808 S.W.2d 379, 382 (Mo. banc 1991). In this case, the exculpatory clause purports to shield Vic Tanny from liability for “any damages”, “any ... injuries” and “any and all claims, demands, damages, rights of action, present or future ... resulting from or arising out of the Member’s ... use ... of said gymnasium or the facilities and equipment thereof.” (emphasis added). Vic Tanny argues that this language is clear and unambiguous. In a theoretical vacuum, the words “any” and “all” might appear unambiguous: “all” means “[e]very” and “any” means “[a]ll.” Webster’s Third New International Dictionary 54, 97 (1976).
When viewed in the context of the law governing exculpatory clauses, however, this clause is ambiguous. “A ‘latent ambiguity’ arises where a writing on its face appears clear and unambiguous, but some collateral matter makes the meaning uncertain.” Royal Banks of Missouri v. Fridkin, 819 S.W.2d 359, 362 (Mo. banc 1991). As extensive as it is, the exculpatory clause at issue in this case is ambiguous because it did not specifically state that a member was releasing Vie Tanny for its own future negligence. See Dresser Industries, Inc., 853 S.W.2d at 508; Gross, 400 N.E.2d at 309. Additionally, there is no question that one may never exonerate oneself from future liability for intentional torts or for gross negligence, or for activities involving the public interest. See Liberty Financial Management Corp. v. Beneficial Data Processing Corp., 670 S.W.2d 40, 48 (Mo.App.1984) (citing 6A Corbin on Contracts, § 1472 (1962)); 57A Am.Jur.2d Negligence §§ 49-67; 76 C.J.S. Release §§ 63-67; 4 Williston on Contracts § 602A (3d ed.). Yet the words used here would purport to include these claims, which cannot be waived. Although these claims were not asserted here, they demonstrate the ambiguity of the contractual language.3 A contract that purports to relieve a party from any and all claims but does not actually do so is duplicitous, indistinct and uncertain.
Alack testified that he did not understand that'he was releasing Vic Tanny from its own future negligence. Additionally, the twelve jurors found, as a matter of fact, that the exculpatory clause did not so release Vic Tanny. While this issue is to be decided as a matter of law, and should not have been submitted to the jury, our law on such an important point cannot be so out of step with the understanding of our citizens. The better rule is one that establishes a bright-line test, easy for courts to apply, and certain to alert all involved that the future “negligence” or “fault” of a party is being released. The words “negligence” or “fault” or their equivalents must be used conspicuously so that a clear and unmistakable waiver and shifting of risk occurs. There must be no doubt that a reasonable person agreeing to an exculpatory [338]*338clause actually understands what future claims he or she is waiving.4
Vic Tanny would like to make a distinction between indemnity contracts and exculpatory contracts. Vic Tanny argues that the exculpatory clause involved in this case should not be construed as strictly as the “indemnity contracts” were in Poslosky, Phoenix Assur. Co. of N.Y., Thomas, and Meyer Jewelry Co., supra. At least from the facts in this case, we see no good reason to adopt a lesser standard for a contract of release (which extinguishes liability) than would exist for a contract of indemnity (which merely shifts the liability from one party to another). See Dresser Industries, Inc. v. Page Petroleum, Inc., 853 S.W.2d 505, 509 (Tex.1993).
The trial court did not err in denying Vic Tanny’s request for a directed verdict because the exculpatory clause at issue did not meet the requirements discussed above. The point is denied.
B. New Trial
Alack argues on appeal that a new trial should be granted with respect to damages because the trial court improperly allowed the exculpatory clause into evidence. The trial court also instructed the jurors, pursuant to MAI 32.21, that their verdict must be for defendant if they believe Alack signed a contract in which he released Vic Tanny “from the claims and injuries resulting from the occurrence mentioned in the evidence.” The determination of the sufficiency and validity of an exculpatory agreement on the basis of the clarity and simplicity of its terms is a question of law for the trial court’s determination. 57A Am.Jur.2d Negligence § 64; Jones v. Dressel, 623 P.2d 370, 376 (Colo.1981). The jury should not have been allowed to consider the release, and the trial court erred by submitting this issue to the jury.
However, the jury proceeded to find that the release did not effectively shield Vic Tan-ny from its own negligence. The jury awarded Alack $17,000, which was the amount that Alack had demonstrated as past or current medical expenses. Alack argues that the improper instruction concerning Vic Tanny’s liability and the release’s effectiveness prejudiced the jury’s calculation of his damages.
We have previously required a plaintiff in this situation to “clearly ... demonstrate a relationship between a claimed inadequate verdict and an error in trial or submission of the liability issue.” Kohler v. McNeary, 498 S.W.2d 796, 797 (Mo.1973). The following language in Kohler applies here:
Plaintiffs motion for new trial and her appeal are premised on the theory that the grossly inadequate verdict was the result of the defendant’s erroneous contributory negligence instruction. The difficulty with this approach is that the challenged instruction dealt solely with the issue of liability which was resolved by the jury in favor of appellant. Having received a favorable verdict on that issue, errors which relate to the trial and submission of the liability issue become, insofar as plaintiff is concerned, harmless error.
Id. Alack has not sufficiently demonstrated that the erroneous liability instruction actually influenced or prejudiced the jury’s damage award. While Alack argues that the impact of the erroneous admission of evidence and instruction on the jury is “obvious”, such a connection is too speculative. It must be presumed that the jury followed the court’s instructions on damages. Id. The trial court did not err in refusing to grant Alack a new trial on damages only.
III. Punitive Damages
Finally, Alack alleges that the trial court erred in refusing to submit a punitive damages instruction to the jury. In a negligence case, punitive damages are awardable only if, at the time of the negligent act, the defendant “knew or had reason to know that there was a high degree of probability that the action would result in injury.” Hoover’s Dairy, Inc. v. Mid-America Dairymen, Inc., 700 S.W.2d 426, 436 (Mo. banc 1985) (emphasis in original); see also Stojkovic v. Weller, 802 S.W.2d 152, 155 (Mo. [339]*339banc 1991); Sharp v. Robberson, 495 S.W.2d 394, 398 (Mo. banc 1973); and Nichols v. Bresnahan, 212 S.W.2d 570, 573 (Mo.1948). Punitive damages cannot be collected unless the defendant “showed complete indifference to or conscious disregard for the safety of others.” Stojkovic, 802 S.W.2d at 155. We have described “conscious disregard or complete indifference” as:
an act or omission, though properly characterized as negligent, [that] manifest[s] such reckless indifference to the rights of others that the law will imply that an injury resulting from it was intentionally inflicted. Or there may be conscious negligence tantamount to intentional wrongdoing, as where the person doing the act or failing to act must be conscious of his conduct, and, [though] having no speciñc intent to injure, must be conscious, from his knowledge of surrounding circumstances and existing conditions, that his conduct will naturally or probably result in injury.
Hoover’s Dairy, Inc., 700 S.W.2d at 435 (quoting Sharp, 495 S.W.2d at 397) (emphasis in Sharp) (citations omitted).
In Kansas City v. Keene Corp., 855 S.W.2d 360 (Mo. banc 1993), we further discussed the type of knowledge or evil intent that must be established in connection with a claim of conscious disregard or complete indifference for an award of punitive damages. A vague and generalized knowledge of danger is insufficient. The evidence must show that, at the time of the act complained of, the defendant had knowledge of a high degree of probability of injury to a specific class of persons. Id. at 375.
The instruction submitted by plaintiff, however, failed to include this necessary element of knowledge. The instruction was patterned on MAI 10.02. The notes on use to MAI 10.02, relying on this Court’s decision in Menaugh v. Resler Optometry, Inc., 799 S.W.2d 71, 74 (Mo. banc 1990), state that 10.02 is not to be used when the verdict directing instruction does not contain a submission on the issue of the defendant’s knowledge. In this case, neither the verdict director, based on MAI 17.02, nor the proposed punitive damage instruction would have required the necessary finding by the jury of Vic Tanny’s knowledge. As clearly noted, MAI 10.07 should have been submitted instead. The trial court properly refused Alack’s punitive damages instruction.
IV.
The judgment of the trial court is affirmed.
HOLSTEIN, C.J., and BENTON and WHITE, JJ., concur.
LIMBAUGH, J., dissents in separate opinion filed.
ROBERTSON, J., dissents in separate opinion filed.
COVINGTON, J., concurs in opinion of ROBERTSON, J.