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    The information contained on the Life of a Mom web site is intended for informational purposes only, to help provide education or analysis on topics of interest to our readers.  The statements made are generic in nature and do not apply to everyone in every situation.  The owners, writers and contributors to Life of a Mom do not provide information or answers that are applicable to everyone in every situation.  We strongly recommend you consult and advisor or expert for guidance and advice specific to you and the circumstances surrounding your personal situation.