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Disclaimer: MONEY Edu and Qnity for Schools, LLC is an educational program designed to help individuals improve their financial literacy. The stories and examples provided are illustrative and for educational purposes. The examples and stories should not be considered standard or expected results. The concepts discussed in this program are highly situational and may not be suitable for everyone. This program and the materials associated with it are not intended to provide legal, tax, accounting, or any other professional advice or to replace the services of an individual business attorney, accountant, or other professional advisor. It is suggested that individuals consult their individual financial counsel before taking any action that has substantial risk or that may have a great impact on their financial condition.