This Document is presented solely as educational materials and informational sharing. Any views and opinions expressed through these documents and written materials are those of the authors and do not necessarily reflect the official policy or position of SOWT (Seeds of Wisdom Team) Administrators/Mods/Owners/VIP/Members/Participants. Any content provided by our participants is of their opinion and is not intended to malign any religion, ethnic group, club, organization, company, individual, or anyone or anything and should not be taken as financial or legal advice in any way. It is only the opinion of the participant.