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This website is designed to educate and provide information regarding the subject matter covered. It is not intended to replace the counsel of other professional advisors or to replace medical treatment. The reader is encouraged to consult with his or her own qualified professional advisors regarding specific situations. He or she bears the full and entire responsibility for the way in which he or she uses the information contained on this website and in the books that are presented on it.  He or she has to make use of this information in a wise, well-considered manner.  While the author has taken reasonable precautions in the preparation of the books she wrote and believes the facts represented within these books are accurate, neither the publisher nor author assumes any responsibility for errors or omissions. The publisher and author specifically disclaim any liability resulting from the use or application of the information contained on this website and in the books presented on this website.