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This Web site is designed to provide accurate and authoritative information regarding the subject matter covered. BUT it will no longer be regulary maintainted. The webmasters "Day Job" is now keeping him too busy to regulary update this site or answer any questions on anything other than Insurance Matters. It is provided with the understanding that the website is not engaged in rendering legal, tax, Medical or Insurance advice. Be sure to verify that any forms linked to are the MOST recent version. The links are from our review of various search engines, advertising and so forth. We do NOT necessarily recommend those we link to. We link to many Government sites and as the saying goes - one of the world's 3 biggest lies is - I'm from the Government and we're here to help you. We not responsible for content on external web sites, nor do we have any control over them. If legal, tax, Insurance or Medical advice is required, the services of a competent professional in your state, if you are outside of California click here for a Health Insurance Professional should be sought. Check the disclaimer for more formal wording and the visitor agreement.