UserAccount a = new UserAccount(null, null, null, null, null, null, null, null, null, null);
        UserAccount b = new UserAccount(null, null, null, null, null, null, null, null, null, null);
        boolean areEqual = a.equals(b);  // areEqual will be false in this case.

It may not matter, but I was just thinking of scenarios where we might want to compare two accounts that don't have definite user/org data assigned to them yet.