The contents of this web site are intended for educational & informational purposes only. This information is not legal advice and is not a substitute for legal or risk management advice. You should obtain competent legal or risk management advice on any of these issues and not rely upon the explanations of the law and risk management set out in these materials. These materials are intended to help you determine when to seek professional advice. While every effort has been made to make these materials as accurate as possible, the matters discussed here are complex and these materials are necessarily simplistic and incomplete.  All material is provided on an "as is" basis, without any warranties of any kind.  

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