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Assumption of Risk/Limitation of Liability: By using this website you agree that you assume total responsibility and assume the risk for use of this website. This website makes no express or implied warranties. Any material downloaded or otherwise obtained or provided through the use of this website is done at your own discretion and risk and you will be solely responsible for any damage to your computer or other devices due to a virus or due to any other cause or reason, or for the loss of data, that results from the download or provision of such materials. We are not liable for incidental or consequential damages under contract, tort, or otherwise. You are solely responsible for evaluating any opinions, observations, or advice described on this website. This Agreement shall be governed by Florida law. Any disputes relating to this website shall, first, be referred to a mediator, and, if the dispute is not resolved by mediation, then, second, referred to the American Arbitration Association pursuant to its commercial arbitration rules. All mediator or arbitrator fees and costs shall be split evenly among the parties. Any mediation or arbitration under this Agreement shall be conducted in the state of Florida.