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This website is comprised of various web pages. Visitors are invited to use this online content for personal, educational, and other non-commercial purposes. By using the patriciaannbanks.com website you accept and agree to abide by the following terms: The website and the content are provided on an “as is” and “as available” basis without any warranties of any kind, including that the website will operate error-free. The material may contain inaccuracies or typographical errors. The owner of this website makes no representations about the accuracy, reliability, completeness or timeliness of the material or about the results to be obtained from using the website and the material. Advice received via the website should not be relied upon for personal, medical, legal or financial decisions and you should consult an appropriate professional for specific advice tailored to your situation. Changes are periodically made to the website and may be made at any time. The owner of this website is the owner of the compilation of the content that is posted on patriciaannbanks.com, which consists of text, images, audio, video, databases, design, and coded and software content. However, the owner does not necessarily own each component of the compilation.