Disclaimers: The information provided in this digital product is for educational and informational purposes only. The content is not intended as legal or financial advice. The authors and publishers of this digital product have made their best effort to provide high-quality, informative material. Under no circumstances will the product creator, programmer, or any of the distributors of this product be liable to any party for any direct, indirect, punitive, special, incidental, or consequential damages arising directly or indirectly from the use of this product. This product is provided “as is” and without warranties.