These pages only reflect the thoughts or opinions of myself, do not constitute investment advise and are not the thoughts or opinions of my employer, my friends, or my cat; this is not an offer to sell securities. Some of the trademarks mentioned in this product appear for identification purposes only; don’t quote me on that; don’t quote me on anything.

Not liable for damages due to use or misuse. Batteries not included. Slippery when wet. Objects in mirror may be closer than they appear. Not responsible for direct, indirect, incidental or consequential damages resulting from any defect, error or failure to perform. Do not remove this disclaimer under penalty of law. Ceci n’est pas une pipe.

This supersedes all previous notices unless indicated otherwise.