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Our content is intended to be used and must be used for information and education purposes only. It is very important to do your own analysis before making any investment based on your own personal circumstances. You should take independent financial advice from a professional in connection with, or independently research and verify, any information that you find herein and wish to rely upon, whether for the purpose of making an investment decision or otherwise. We are not an investment advisor, we have no access to non-public information about publicly traded companies, and this is not a place for the giving or receiving of financial advice, advice concerning investment decisions or tax or legal advice. We are not regulated by the Financial Conduct Authority. We are an education provider for learning & discussing general and generic information related to stocks, investments and strategies. No content herein constitutes - or should be understood as constituting - a recommendation to enter in any securities transactions or to engage in any of the investment strategies presented in our site content. We do not provide personalised recommendations or views as to whether a stock or investment approach is suited to the financial needs of a specific individual. Accordingly, we will not be liable, whether in contract, tort (including negligence) or otherwise, in respect of any damage, expense or other loss you may suffer arising out of such information or any reliance you may place upon such information. Any arrangements between you and any third party contacted via our material are at your sole risk. The value of shares and investments and the income derived from them can go down as well as up. Investors may not get back the amount they invested - losing one's shirt is a real risk. Past performance is not a guide to future performance.