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The information posted on this Web site is intended solely for information  purposes only and is not a substitute for professional advice.  Users with specific concerns and needs should contact a qualified professional.  The information is provided with the understanding that the authors and  publishers are not herein engaged in rendering legal, accounting, tax, or other professional advice or services.  As such, it should not be used as a substitute for consultation.  The reader accepts the full responsibility for the use of the information on this web site.  While we have made every attempt to ensure the information contained in this site has been obtained from reliable sources, Armstrong Financial Services Inc. is not responsible for any errors or omissions, or for the results obtained from the use of this information.  All information in this site is provided "as is," with no guarantee of completeness, accuracy, timeliness or of the results obtained from the use of this information, and without warranty of any kind, express or implied, including but not limited to warranties of performance, merchantability and fitness for a particular purpose.  Nothing herein shall to any extent substitute for the independent investigations and the sound technical and business judgment of the reader.  Laws and regulations are continually changing, and can be interpreted only in light of particular factual situations.

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