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DISCLAIMER: Views and opinions expressed are my own and not those of my employer. Nothing on this site constitutes legal or financial advice. The author cannot and does not provide legal advice to users of this site. If you need legal advice on any matter, you should contact a licensed attorney in your jurisdiction. The author of this site does not offer financial or business advice. All investments involve risk; you may lose money. Only invest what you can afford to lose, remember that investments have risks and tax consequences, and seek advice from a licensed attorney and a licensed accountant if you have questions.