SAVINGS DISCLAIMER  
      ANY SAVINGS STATEMENTS OR EXAMPLE, ARE ONLY ESTIMATES OF WHAT WE THINK YOU 
      COULD SAVE. THERE IS NO ASSURANCE YOU WILL DO ANY ACTUAL SAVINGS IN TIME OR MONEY. 
      IF YOU RELY UPON OUR FIGURES, YOU MUST ACCEPT THE RISK OF NOT DOING ANY
      ACTUAL SAVINGS. 
      ANY AND ALL CLAIMS OR REPRESENTATIONS, AS TO SAVINGS OF TIME OR MONEY ON THIS WEB 
      SITE, ARE NOT TO BE CONSIDERED AS AVERAGE SAVINGS.
      THERE CAN BE NO ASSURANCE THAT ANY PRIOR SUCCESSES, OR PAST RESULTS, AS TO 
      TIME OR MONEY SAVINGS, CAN BE USED AS AN INDICATION OF YOUR FUTURE SUCCESS OR 
      RESULTS.   
      SAVINGS OF TIME OR MONEY ARE BASED ON MANY FACTORS.  WE HAVE NO WAY OF 
      KNOWING HOW WELL YOU WILL DO, AS WE DO NOT KNOW YOU, YOUR BACKGROUND, YOUR 
      WORK ETHIC, OR YOUR SKILLS OR PRACTICES.  THEREFORE WE DO NOT 
      GUARANTEE OR IMPLY THAT YOU WILL SAVE ANY TIME OR MONEY AT ALL.   
      INTERNET USE AND SAVINGS OF TIME OR MONEY DERIVED THEREFROM, HAVE UNKNOWN RISKS 
      INVOLVED, AND ARE NOT SUITABLE FOR EVERYONE. MAKING DECISIONS BASED ON ANY 
      INFORMATION PRESENTED IN OUR PRODUCTS, SERVICES, OR WEB SITE, SHOULD BE 
      DONE ONLY WITH THE KNOWLEDGE THAT YOU COULD EXPERIENCE SIGNIFICANT COSTS.  
      ALL PRODUCTS AND SERVICES BY US ARE FOR EDUCATIONAL AND 
      INFORMATIONAL PURPOSES ONLY.  USE CAUTION AND SEEK THE ADVICE OF QUALIFIED 
      PROFESSIONALS. CHECK WITH YOUR ACCOUNTANT, LAWYER OR PROFESSIONAL ADVISOR, 
      BEFORE ACTING ON THIS OR ANY INFORMATION.   
      USERS OF OUR PRODUCTS, SERVICES AND WEB SITE ARE ADVISED TO DO THEIR OWN 
      DUE DILIGENCE WHEN IT COMES TO MAKING DECISIONS AND ALL 
      INFORMATION, PRODUCTS, AND SERVICES THAT HAVE BEEN PROVIDED SHOULD BE 
      INDEPENDENTLY VERIFIED BY YOUR OWN QUALIFIED PROFESSIONALS.  OUR 
      INFORMATION, PRODUCTS, AND SERVICES ON THIS WEB SITE SHOULD BE CAREFULLY 
      CONSIDERED AND EVALUATED, BEFORE REACHING A DECISION ON WHETHER TO RELY ON THEM.  
      YOU AGREE THAT WE ARE NOT RESPONSIBLE FOR THE SUCCESS OR FAILURE 
      OF YOUR DECISIONS RELATING TO ANY INFORMATION PRESENTED BY US, OR OUR PRODUCTS OR SERVICES.