The information presented herein represents the views of the author as of the date of publication. Because of the rate with which conditions change, the author reserves the rights to alter and update his opinions based on the new conditions. This manual is for informational purposes only and the author does not accept any responsibilities for any liabilities arising from the use of this information.

While every attempt has been made to verify the information provided here, the author and his referrals cannot assume any responsibilities for errors, inaccuracies or omissions. Any slights of people and organizations are unintentional.