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By entering or using this website, you acknowledge and accept our Terms of Service and Privacy Policy. If you disagree, stop using the site right away. All information is educational and not to be taken as professional counsel. Any illegal behavior, including hacking or altering data, is banned. Some areas may carry additional requirements. All materials are copyrighted and remain the property of their creators. The website is offered without guarantees. External links are controlled by their owners. Terms may be altered at any time.