DISCLAIMER: The content of this web page reflects a personal opinion and not that of any institution or company to which the author is or has been affiliated with. The information on this web page is made for informational purposes only and should not be relied on as legal advice; any person acting upon such information should first seek legal counsel. The transmission of information on this website or by email does not constitute an attorney-client relationship, unless otherwise expressly agreed to by both parties. Any logo, emblem or link on this web page simply denotes a current or past affiliation and is the exclusive property of its respective owner. Any material appearing on a linked site is not incorporated by reference and is not necessarily sponsored, endorsed or otherwise approved.