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All articles, opinions, reviews, and information on this site are the intellectual property of Emma Hamer, principal of E. Hamer Associates, Ltd., unless stated otherwise. No part of this site or the publications or material described herein may be reproduced, stored in a retrieval system, used in a spreadsheet, or transmitted in any form or by means - electronic, mechanical, photocopying, recording, or otherwise - without the permission of E. Hamer Associates, Ltd. E. Hamer Associates, Ltd., cannot accept responsibility or liability for the results of any action taken by individuals or corporations based on information presented on this site, as these actions are the sole responsibility of whomever decides to act upon information presented on this site.

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