This post is provided for informational purposes only and should not be regarded by readers as a substitute for the exercise of their own judgment or their own properly engaged professional advice. This post has no regard to the specific objectives, financial situation or particular needs of any specific reader. Any opinions expressed in this post are subject to change without notice and we are not under any obligation to update or keep current the information contained herein. Additionally, where opinions are expressed, these opinions are not necessarily, and do not purport to be, those of this user and are in all circumstances not the views of any legally recognised entity. This post is based on information obtained from sources reasonably believed to be reliable but is not guaranteed as being accurate, nor is it a complete statement or summary of the matters referred to in this post. This post is for distribution only under such circumstances as may be permitted by applicable law. Possible courses of action appearing or described in this post may be potentially detrimental. We do not endorse any such course of action for others or recommend them to any specific reader or entity, but rather are merely simply describing experiences and opinions. Past performance is not necessarily indicative of future results.