The information and materials contained in this site, including text, graphics, links or other items, are provided "as is," "as available." GEM does not warrant the accuracy, adequacy or completeness of this information and materials and expressly disclaims liability for errors or omissions in this information and materials. No warranty of any kind, implied, express or statutory, including but not limited to the warranties of non-infringement of third-party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and materials. Materials copyrighted by GEM or owned by any individual or entity are presented here for personal, non-commercial use only. Documents, content or images contained in this site may not be copied or reproduced in any form without the written permission of GEM. In no event will GEM be liable for any damages, including without limitation direct or indirect, special, incidental or consequential damages, losses or expenses arising in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if GEM, or representation thereof, are advised of the possibility of such damages, losses or expenses. Hyperlinks to other internet resources are at your own risk; the content, accuracy, opinions expressed and other links provided by these resources are not investigated, verified, monitored or endorsed by GEM. Nothing in this site constitutes an offer or solicitation to invest in securities of any kind nor does it constitute any investment advice.