Copyright Notice

Materials available on are protected by the copyright laws of the United States and other countries.   Copyright © 2004 - 2016,, LLC - All rights reserved.

Copyrighted Materials

When you access, you're agreeing to the following terms of use:

  • You may retrieve the contents, including articles, online calculators, spreadsheets, and documents of for informational purposes only.
  • You may save a local copy of this information or send it to your individual printer for your personal use or in order to inform authorized and potential users about the information and / or services appearing on
    • Copyright notices must appear on all information taken from this website.
  • Charging for use of the information appearing on or taken from is prohibited.
  • Information appearing in may not be changed or modified in any way without the express written consent of, LLC.

Notice of Trademarks and the logo are registered trademarks of, LLC.  Other publishers, titles, or services may be registered trademarks of their respective companies.