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The CT Groups makes no representations or warranties with respect to the accuracy or completeness of the contents of this work. The advice and strategies contained herein may not be suitable for any or every situation and is potentially subject to variables and undefined or unknown factors by the individual. This work is provided with the understanding that The CT Groups is not engaged in rendering legal, accounting, or other professional services. If professional assistance is required, the services of a competent professional person should be sought. The Author shall not be liable for damages arising herefrom. The fact that an organization or website is referred to in this work as a citation and/or a potential source of further information does not mean that the Author endorses the information the organization or website may provide or recommendations it may make. Further, readers should be aware that Internet websites listed in this work may have changed or disappeared between when this work was written and when it is read.
The generic or general reference to "bad guys" is just that. These are individuals or groups who participate in acts which are often illegal or represent a real or potential threat to innocent people because of their activities and behaviors and are non-exclusive to any gender, gender preference, sexual orientation, age, race, religion/non-religion group, profession, economic group, geographic or political group, creed, biological kingdom or any other grouping one might perceive of create.
Questions may be addressed to Questions@TheCTGroups.org The CT Groups cannot make any commitment regarding our ability to quickly respond to items submitted due to our all-volunteer structure.