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The Business Forum Journal should ever be construed to be the opinion of, statements condoned by, or advice from, The Business Forum Institute, its staff, workers, officers, members, supporters, directors, sponsors, shareholders or Members of the Fellowship.  We pass no opinion whatsoever on the content of what we publish, nor do we accept any responsibility for the claims or any of the statements made within anything published herein. We only aim to provide an academic forum and information sourcing vehicle for the benefit of the business and the academic communities of the Pacific States of America and the World. Therefore, readers must always determine for themselves where the statistics, comments, statements and advice that are published herein are gained from and act, or not act, upon such entirely and always at their own risk. We accept absolutely no liability whatsoever, nor do we take any responsibility for what anyone does, or does not do, based upon what is published herein or upon information gained by the use of links to other

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