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The intent of the website and the author is to offer information of a general nature. It is not intended to serve as guidance, direction, or instruction of any kind, and all content is based on the author's personal knowledge, experience, and opinions. In the event you use any of the information on the website, the author and the publisher disclaim all responsibility for any liability, loss, or risk, personal or otherwise, which is incurred as a consequence directly or indirectly of the use of application of any of the contents of this website.