The author hopes the information provided on this website is helpful to readers. Advice needs to be given to fit the circumstances of each case. The information on this site is no substitute for professional advice.
All information made available by the author on this website is without warranty of any kind either expressed or implied. The author accepts no responsibility for loss which may arise from reliance on information contained on this site. The author accepts no be responsibility for the content of any other site which is linked either to or from this site.
Any pages contained within this website may be downloaded or printed for personal use provided that no alterations to any of the pages are made and that no use is made of any of the pages in any other work or publication in whatever medium stored. None of the web site pages may be distributed or copied for any commercial purposes.