By accessing, using or downloading any materials from the website, you agree to follow and be bound by these terms and conditions (the "Terms").  


The author hereby grants you permission to download, display, copy, distribute and print the materials posted on this website, provided that:

  • The materials are not modified in any way.
  • The copyright notice in each of these materials (if there be any) is not removed and remains with the materials.
  • The materials are solely for personal, educational, or informational use.
  • The materials are for non-commercial use and will not be broadcast in any media or used for commercial gain

An inoffensive light gray web site URL ( may be placed in the footer of each numbered page in downloadable PDF documents. This will enable readers to easily locate the website at a later time so that updated documents or documents added to the website can be easily accessed and downloaded.

Any unauthorized use of any materials contained on this website may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

Published May 11, 2011    

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This website may contain links to websites controlled by parties other than the author. The author is not responsible for and does not endorse or accept any responsibility for the contents or use of these third party websites. The author has included these links only as a convenience, and the inclusion of any link does not imply endorsement by the author of the linked website. It is your responsibility to take precautions to ensure that whatever you select for your use is free of viruses or other items of a destructive nature. 


Except where expressly provided otherwise by the author, all comments, feedback, information or materials submitted to the author through or in association with this web site shall be considered non-confidential property, which can be used by the author.


Except where expressly provided otherwise by the author, the materials on the website are provided "AS IS." The author hereby disclaims all express or implied representations, warranties, guaranties, and conditions, including but not limited to any implied warranties or conditions of merchantability, fitness for a particular purpose, title and non-infringement, except to the extent that such disclaimers are held to be legally invalid. The author makes no representations, warranties, guaranties, or conditions as to the quality, suitability, truth, accuracy, or completeness of any of the materials contained on the website.


The author shall not be liable for any damages suffered as a result of using, modifying, contributing, copying, distributing, or downloading the materials. In no event shall the author be liable for any indirect, punitive, special, incidental, or consequential damage (including but not limited to loss of business, revenue, profits, use, data or other economic advantage), however it arises, whether in an action of contract, negligence or other tortious action, arising out of or in connection with the use of performance of information available from this website, even if the author has been previously advised of the possiblity of such damage. You agree to hold the author harmless from, and you covenant not to sue the author for any claims based on or related to the use of the web site.


The website may include inaccuracies or typographical errors. The author may make improvements and/or changes in the materials, services, offerings, and prices described in this website at any time without notice. The author may periodically make changes to the website. Any action related to these Terms will be government by the Commonwealth of Virginia law and controlling U.S. federal law. No choice of law rules of any jurisdiction will apply. The author has the right to revise these Terms at any time without notice by updating this posting.

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