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The articles available in the Learning Center are provided strictly as a courtesy. Any materials that were not originally authored by us are made available with appropriate permission from the author/publisher. Access to these resources does not constitute an endorsement, approval or certification of the information, strategies, projections or opinions presented or published in these materials. We specifically make no representation as to, and disclaim any responsibility for their completeness, accuracy or applicability to your circumstances. Please consult with your own qualified legal, tax, accounting or other professional advisors regarding all personal finance issues and before implementing any strategies that may be presented in these resources. Any insurance product related guarantees referenced in these resources are based on the claims paying ability of the issuing insurance company.