Disclaimer This publication is a work of fiction. Names, characters, businesses, places, events, and incidents are either the result of the author's imagination or are used fictitiously. Any resemblance to actual persons, living or dead, or actual events is purely coincidental. The author and publisher have made every effort to ensure the accuracy and completeness of the information contained in this book. However, they assume no responsibility for errors, omissions, or contrary interpretation of the subject matter herein. This publication is provided with the understanding that the author and publisher are not rendering legal, accounting, or other professional services. If expert assistance or counselling is needed, the services of a competent professional should be sought.