©Freedman Consulting, Inc.  The information on this site is protected by U. S. copyright.  Visitors may print and download materials and information on this site solely for personal and noncommercial use, provided that all hard copies contain all copyright and other applicable notices contained in such materials and information.  You may not modify, distribute, copy, broadcast, transmit, publish, mirror, frame, license, transfer or otherwise use any information contained within for any lawful purpose, or as otherwise prohibited by the Terms and Conditions.  To seek permission to use materials and information beyond this scope, please contact Freedman Consulting utilizing my contact form.