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The information, facts, figures, data and analysis included in our publications are believed to be accurate, reliable and credible but nothing has been independently verified for its certainty. Also, facts, figures and data can change at any moment, thereby affecting past analysis and conclusions. The newsletter and website are not tailored to anyone’s financial situation and therefore do not, nor could they; take into account the needs, objectives and financial situation of its readers and subscribers. Readers are strongly encouraged to consult with a qualified financial advisor before making any financial decisions.