The information present herein represents the views of the author as of the date of publication. Because of the rate at which conditions change the author reserves the right to alter and update his opinion based on the new conditions. This report is for informational purposes only. Some information may require the cooperation of more than one persons to maximize their effectiveness. While all attempts have been made to verify the information in this report, neither the author nor his affiliate/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 information is not intended as 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.

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