The text offered up on this site is my work, except for the fair use of quotes, and is © Klaus Jochem. All views expressed here are my own. Please do not use my text without giving a source credit back to me and this site.

Please be aware that this information although accurate on the day it was published may no longer be up to date. Advice given on this website does not exempt you from conducting your own checks on my latest advice with a view to their suitability for the intended processes and purposes.

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