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All web pages and information products, services, and other materials offered by JoelMonty.Net and its network of integrated websites are copyrighted with the year(s) of creation.  Copyright holder--Joel R. Montgomery and JoelMonty.Net.

All requests concerning copyright for any of these materials should be addressed to:  Joel Montgomery, JoelMonty.Net, Copyright Request, 902 S. Randall Rd, Ste C-280, Saint Charles, IL 60174-1554 USA.  e-mail tocopyright@joelmonty.net Telephone 1-630-366-6189.  Fax 1-866-689-9883.