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This e-zine aims to inform and entertain, so please don't overstate its importance. We are writing generally on each topic, not providing personal advice to you, the reader. Common sense suggests that if you want to rely on what someone says or writes, you should obtain personal advice. In doing this, you should make your personal situation clear to your adviser and ensure they are aware you are going to take action based on the advice they provide. Of course, you should expect to pay for such advice. OK? Great, enjoy our e-zine.