The author accepts no liability whatsoever for any loss or damage of any kind arising out of the use of all or any part of this material.The information contained herein has been obtained from sources I believed to be reliable but I do not make any representation or warranty nor accept any responsibility or liability as to its accuracy, completeness or correctness. Opinions and views expressed are subject to change without notice.
The author is not a certified or licensed financial advisor, planner, analyst, consultant and etc.
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