My Disclosure (smile): This is a collaborative document, so you can email me edits/corrections to it. Obviously, it is not professional...just "home grown" as it reflects my experience with trial and error. If you want a practice session, just let me know. That is where I learn the most. The most recent copy is below. (Remember to check the Last Update is in the footer.) Again I add 2 versions of the same document: pdf and word. --
