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DISCLAIMER This publication contains the opinions and ideas of its author. It is sold with the understanding that the author is not engaged in rendering professional advice or services. The strategies outlined in this book may not be suitable for every individual or situation, and are not guaranteed or warranted to produce any particular results. The author specifically disclaims any responsibility for any liability, loss, or risk that is incurred as a consequence, directly or indirectly, of the use or application of any of the contents of this book