This publication is designed to provide competent and reliable information regarding the subject
matter covered. However, it is sold with the understanding that the author and publisher are not
engaged in rendering legal, financial, or other professional advice. Laws and practices often vary
from country to country, and if legal or other expert assistance is required, the services of a
professional should be sought. The author and publisher specifically disclaim any liability that is
incurred from the use or application of the contents of this book.


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