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Disclaimer: This page is a service of Ron Z. Opher, Esquire. The service is intended as a forum for presentation and discussion of issues of concern to business people and others viewing the home page. Nothing included in this section, or in other content presented herein shall create, in and of itself, an attorney-client relationship between Ron Z. Opher, Esquire and the viewer/participant. Similarly, nothing presented by participants shall be deemed to constitute privileged information, nor shall any material posted by viewer/participants be deemed to constitute intellectual property. Information contained in these pages, while it may be helpful in a general nature to viewer/participants, is not a substitute for presentation of the specific facts of a situation to an attorney, under the express terms of an attorney-client relationship, for specific legal advice. Ron Z. Opher, Esquire is not responsible for viewer/participant reliance on the information contained herein. In order to establish an attorney-client relationship with Ron Z. Opher, Esquire, you must make telephonic, written or electronic mail contact directly with the office of Ron Z. Opher, Esquire and enter into a written fee agreement. Copyright ©1995-2008, Ron Z. Opher. Feel free to use and disseminate the information contained herein, as long as it is presented as the work of Ron Z. Opher. Please report unauthorized use of this information to Ron Z. Opher.