web site is run by an individual who is NOT an attorney. Most of information presented on this web site is based on personal experiences and knowledge of web site owner/operator and based on the experience of other visitors to various discussion boards.

The information provided in this web site is of a general nature and offered for informational purposes only. It is not offered as, and does not constitute, legal advice. The information may not apply to any particular set of facts or circumstances.

As the web site owner is NOT an attorney, the information does not, obviously, establish an attorney-client relationship. And obviously, the web site owner CANNOT represent any of the visitors in any manner.

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