Terms of Service 

If you use this web-site, you agree to the following terms:

1.  Information contained in this site is the intellectual property of W.D. Cowan Associates.

2.  You agree to respect this fact and not reproduce or in any way distribute this information without acknowledging the full name and web address of W.D. Cowan Associates.

3.  You further agree that you will not use, modify or adapt any information contained in this website for your commercial benefit.

4.  Any information contained in the website is the opinion of the website authors and there are no express or implied warranties with respect to the use or communication of any such information.