This web-site is provided purely as an educational service for its users. These pages are intended to help researchers conduct their own research on legal topics, and to stimulate discussion on important legal topics and cases. While I believe that the information presented is accurate as of the time it was prepared and/or updated, changes in the law and in legal web-site addresses occur frequently. Thus, I cannot be held responsible for any errors or misstatements.

No web-site can substitute for the advice of a competent lawyer, or competent expert knowledgeable in his or her field, who is personally consulted with respect to a particular fact pattern. Users of this site are encouraged to seek legal counsel as and when appropriate. The most cost-effective legal advice is preventative advice. Hopefully, the articles at this site will encourage clients and lawyers alike to focus on anticipating, and hopefully avoiding, certain legal entanglements.

Use of or reliance upon the educational information set forth in these pages shall be at the user's own risk and shall not establish any contractual or other formal legal relationship between the web page author and the users of this information. In some cases there is a fine line between unauthorized and what may be considered illegal legal advice, by some individuals, and what constitutes free speech by others. My personal opinions are considered by myself to be included as my rights to free speech and not my competence to offer legal advice!

Certain names, logos, designs, titles, words or phrases used at this web-site may constitute proprietary trademarks, service marks or trade names.

Users of this site are provided with limited permission under the copyright to download a copy of any of these articles for personal use and for educational purposes, provided that the copyright notices are not altered or removed.