Disclaimer

   The information presented herein represents the view of the author as of the date of publication. Because of the rate with which conditions change, the author reserves the right to alter and update his opinion based on new conditions.

   While every attempt has been made to verify the information in this publication, neither the author, nor the publisher, nor his affiliates/partners assume any responsibility for errors, inaccuracies, contradictory information, or omissions in this document.

   The contents of this document are presented for informational purposes only.  This publication is not intended as legal, investment, or accounting advice. The author, publisher and any agents thereof assumes no responsibility or liability whatsoever on behalf of any purchaser or reader of these materials. The purchaser or reader of this document assumes all responsibility for the use of these materials and information. All readers are advised to seek the services of competent professionals in legal, business, accounting, and financial fields.

   Any perceived slights of people or organizations are unintentional.