This book includes information from many sources as well as personal experiences. It is published for general reference and is not intended to be a substitute for independent verification by readers. The book is sold with the understanding that neither the author nor publisher is engaged in rendering any legal advice. The publisher and author disclaim any personal liability, directly or indirectly, for advice or information presented within. Although the author and publisher have made every effort to ensure the accuracy and completeness of the information contained within, we assume no responsibility for errors, inaccuracies, omissions, or inconsistencies.
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mom and dad,
who always told me I should write a book,
who never gave up until I did.