*The information provided within this book is for general informational purposes only and should not be considered legal or financial advice or as a recommendation regarding any particular course of action. You are responsible for conducting your own research and due diligence, including but not limited to consulting with an attorney or other professional regarding the topics and information discussed herein. There are no representations or warranties, express or implied, with respect to the use of the information contained in this book for any purpose. Any use of the information contained in this book is at your own risk. The author does not assume and hereby disclaims any liability to any party for any loss, damage, or disruption caused by errors or omissions, whether such errors or omissions result from negligence, accident, or any other cause. To protect the privacy of certain individuals the names and identifying details have been removed.