While I (Kimberly Doyle) have taken great care to make the information on this site as accurate as possible, the information on this site is for personal and/or educational use only. It is provided in good faith without any express or implied warranty. I do not accept responsibility for any loss or damage occasioned by using the information on this site nor from any access to the site.  All access and use are at the risk of the user.

I have provided hypertext links to several other websites as a service to users of this site. This service does not mean that I endorse those sites or material on them in any way. I am not responsible for using a hypertext link for which a commercial charge applies. Individual users are responsible for any charges that their use may incur.

This site is not a substitute for independent professional advice; visitors should obtain appropriate professional advice relevant to their particular circumstances.