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Although we hope and believe the Materials will be helpful as a background matter, we cannot and do not make any representation of any kind about them and do not guarantee that they are accurate or complete. Laws change quickly, and the reader should always insure that legal information of any sort is up-to-date and accurate before relying on it. Moreover, the Materials are general in nature, and may not apply to particular factual or legal circumstances. You should consult competent legal counsel in your state before relying upon any of the Materials.