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All the information, techniques, skills and concepts contained within this website are of the nature of general comment only and are not in any way recommended as individual advice.  The intent is to offer a variety of information to provide a wider range of choices now and in the future, recognising that we all have widely diverse circumstances and viewpoints.  Should any reader choose to make use of the information contained herein, this is their decision, and the contributors (and their companies), authors and publishers do not assume any responsibilities whatsoever under any condition or circumstances. 
It is recommended that the reader always obtain their own independent advice.