Disclaimer: This material is for information and educational purposes only. This program/product/audio/video and written material are not intended to be psychological, medical, financial, or legal advice. Seek the appropriate counsel for those and other needs This information is not meant to replace proper treatment or counsel from qualified professionals. Although the author and publisher have made every effort to ensure that the information was correct at publication time, the author and publisher do not assume and hereby disclaim any liability to any party for any loss, damage, or disruption caused by proper use, or errors or omissions, whether such use, errors, or omissions resulting from negligence, accident, or any other cause.