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NOTICE This paper is designed to be used as a supplement to a presentation by the author on the subject matter covered. It is presented with the understanding that the author, although a qualified Attorney at Law, is not engaged in rendering legal services in this material. Each case has a different fact pattern and must be considered on its own merits. The information contained herein is not intended to answer specific questions or to suggest the suitability of action in a particular field. If legal advice or other expert assistance is required, the individualized services of a competent professional person should be sought. This paper represents only the present considerations and views of the author, which should not be attributed to Robert R. Hussey Co., L.P.A. or to any of his or its former or present clients.