This e-book is designed to provide information in regard to the subject matter covered. Use is granted with the understanding that the publisher and author are not engaged in rendering legal or financial advice. If expert assistance is required, the services of a competent professional should be sought. The purpose of this e-book is to educate. The publisher and author shall have no liability nor responsibility to any person or entity with respect to any loss or damage caused, or alleged to be caused, directly or indirectly, by the information contained in this e-book. © Copyright 2003, Kay LaRocca All rights.
