In light of our policy of encouraging candid, open exchanges of views and the rapid distribution of information originating from many sources, fobs.cc cannot determine the accuracy of information that may be uploaded to the forum. Opinions, advice and all other information expressed by participants in discussions are those of the author. You rely on such information at your own risk. You are urged to seek professional advice for specific, individual situations and not rely solely on advice or opinions given in the discussions. Since fobs.cc is an open and free discussion forum, any comments made by members of this forum in their posts reflect their own views and not of the owner or administrator of fobs.cc. Thus the owner/administrator indemnify themselves of all claims whatsoever and will not be liable or responsible for any members comments/views in this forum fobs.cc. If you find any objectionable or offensive posts made by members of this forum which you would like to bring to our notice for removal then please Contact Us.