Focus on Life has been written for informational purposes only.  The author and publisher have strived to be as accurate and complete as possible in its creation but does not warrant or represent at any time that the contents within are accurate.

The purpose of this publication is to educate.  While all attempts have been made to verify information provided, the author assumes no responsibility for errors, omissions, or contrary interpretation of the subject matter contained herein.

In practical advice publications, like anything else in life, there are no guarantees.  You are cautioned to rely on your own judgement about your individual circumstances, and to act accordingly.

This publication is not intended or use as a source of medical, legal, business, or financial advice.  You are advised to seek the services of competent professionals in these respective fields.

The author and publisher shall have neither liability nor responsibility to any person or entity with respect to any loss or damage caused or alleged to be caused directly or indirectly by this publication.