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Neither the publisher nor the author bear any responsibility or liability for the use of these worksheets and checklists. These guides are designed to provide a framework for your personal analysis. Any conclusion you draw or actions you may take or do not take are your sole responsibility. These worksheets and checklists are not a substitute for professional advice. Be sure to consult the appropriate professionals to gain answers to your questions and to determine the applicability of this information to your particular situation. If you do not accept and agree to this disclaimer, delete these files from your computer immediately.