This book is not intended to be a substitute for the medical, legal, or financial advice of a licensed professional. Always consult your doctor, lawyer, and financial counselor before making any life changes. Although the author and publisher have made every effort to ensure the information in this book was correct at press time, the author and publisher do not assume and hereby disclaim any liability to any party for any loss, damage, or disruption caused by errors or omissions for any reason or from any damages suffered because of this publication. In some cases, stories have been fictionalized, and names and identifying details have been omitted or changed to protect the privacy of individuals.