Abilitycoach.com is a copyrighted production of Ronald L. Breazeale Ph.D. and all rights are reserved. Information or materials posted on the Ability Coach website may only be reproduced or downloaded for personal use. They may not be reproduced in whole or in part without express written permission of Ronald L. Breazeale Ph.D. The reader should understand that they are solely responsible for determining the adequacy of this material and the application of this material shall not be subject to any implied warranty of fitness for that purpose. Statements or descriptions contained on Abilitycoach.com are informational only, and are not made or given as a warranty of this product in any way. Abilitycoach.com is not intended to be a substitute for professional advice for which a health-care professional, financial adviser or legal consultant may be the best resource.