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This report is given free with the understanding that the publisher is not engaged in rendering legal or accounting services. Questions relevant to the specific tax, legal and accounting needs of the reader should be addressed to practicing members of those professions. This information was gathered from sources believed to be reliable, but cannot be guaranteed insofar as they apply to any particular individual. The authors, publishers, and distributors specifically disclaim any liability, loss, or risk -- personal or otherwise, incurred as a consequence directly or indirectly of the use and application of any of the techniques or contents of this report. ​