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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 wide range of choices now and in the future, recognising that people's circumstances and points of view may differ. Should any reader choose to make use of the information presented, 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 obtain their own independent advice.