The information you obtain at this site is not, nor is intended to be legal advice. You should consult with an attorney for individual advice regarding your own situation. Copyright © 2005 by the Law Offices of Heidi Klippel. All rights reserved. You may reproduce materials available at this site for your own personal use and for non-commercial distribution. All copies must include this copyright statement. Site Developed by Wayne Hamburger & Computer Software Consultants