Session types are used to describe and structure interactions between independent processes in distributed systems. Higher-order types are needed in order to properly structure delegation of responsibility between processes. In this paper we show that higher-order web-service contracts can be used to provide a fully-abstract model of recursive higher-order session types. The model is set-theoretic, in the sense that the meaning of a contract is given in terms of the set of contracts with which it complies. The proof of full-abstraction depends on a novel notion of the complement of a contract. This in turn gives rise to an alternative to the type duality commonly used in systems for type-checking session types. We believe that the notion of complement captures more faithfully the behavioural intuition underlying type duality.