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PLEASE READ: All information on this web site was provided by members and guests who have freely given their ideas. Do not blindly follow advice found here. Before using ANY information, ideas, or methods of saving money that you learn here; you must consult your doctor or a qualified licensed medical provider to make sure they are safe for your own health issues. You use any of the information on this website at your own risk. Our Disclaimer carefully explains about how the information you find on this site can be safely used. If you follow its guidelines, it can help protect you from potential problems. It protects us if you unwisely ignore our guidelines.

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