For those of you without a sense of humor, here is the official disclaimer as required by my insurance carrier. First and foremost, please remember that this web site is intended to provide basic information about selected legal topics. THE INFORMATION CONTAINED IN THIS WEB SITE IS NOT LEGAL ADVICE. Obviously, each person's legal needs are unique and blanket summaries of legal principles transmitted over the Internet are not an acceptable substitute for the personalized analysis of a legal situation that a client will receive in a formal attorney-client relationship. Additionally, laws change frequently, and it is possible that some of the information on this site may no longer be true when you read it, or that it may not apply to someone in your jurisdiction. Further, the law may create exceptions to certain of the general principles set forth herein that will be applicable to your personal situation. I publish this web site as a service to my clients and other friends for informational purposes only. It is not intended to be used as a substitute for specific legal advice or opinions and THE TRANSMISSION OF THIS INFORMATION IS NOT INTENDED TO CREATE AN ATTORNEY-CLIENT RELATIONSHIP between sender and receiver. Internet subscribers and online readers should not act upon this information without seeking professional counsel. Accordingly, if you have concerns over a legal matter, you should consult with an attorney familiar with the law in your jurisdiction and with your particular situation before making specific legal decisions.