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 the new conditions. The report is for
informational purposes only. While every attempt has been made to verify the
information provided in this report, neither the author nor his affiliates/partners
assume any responsibility for errors, inaccuracies or omissions. Any slights of people
or organizations are unintentional. If advice concerning legal or related matters is
needed, the services of a fully qualified professional should be sought. This report is
not intended for use as a source of legal or accounting advice. You should be aware of
any laws which govern business transactions or other business practices in your
country and state. Any reference to any person or business whether living or dead is
purely coincidental.