©2011

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First Printing

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This publication contains the opinions and ideas of its author.  Author intends to offer information of a general nature.  Any reliance on the information herein is at the reader's own discretion.

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The author/publisher specifically disclaims all responsibility for any liability, loss, or right, personal or otherwise, which is incurred as a consequence, directly or indirectly, of the use and application of any contents of this book.  Author/publisher further makes no representations or warranties with respect to the accuracy or completeness of the contents of this work and specifically disclaims all warranties including without limitation any implied warranty of fitness for a particular purpose.  Any recommendations are made without any guarantee on the part of the author/publisher.

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ISBN:  978-1-4560-9100-2