All rights reserved. This e-book was originally created by Golda Mowe for the purpose of providing information. It is given out for free with the understanding that the author is not engaged in rendering legal, intellectual property, accounting or other professional advice. If legal advice or other professional assistance is required, the services of a competent professional should be sought.The author will not be responsible for any losses or damages of any kind incurred by the reader whether directly or indirectly arising from the use of this e-book. You may distribute this e-book, but you may not alter it in any way or claim it as your work.