There is no disclaimer in this website because the reader will learn that we are all responsible for our perception and interpretation of anything and everything we experience. I do not intend to disclaim anything I write or say. Maybe what I tell you will allow you to change your mind about how you want to conduct your affairs from now on. Anyone reading these pages is wise enough to follow one’s own counsel and therefore acknowledges that I cannot do and will not tell anyone what to do. Peace!