Just so there is no misunderstanding.... My intent is not to give financial or legal advice to anyone; that would require detailed information about your specific situation. The information, tools and analysis provided on this site were initially developed for my own personal use. I hope it's obvious that I cannot guarantee their accuracy or applicability to your individual circumstances. I can assure you that I have found this material useful for me; I hope you will find it useful as well in doing your own analysis.
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