Financial markets and conditions can change rapidly, therefore the views in this book shouldn't be taken as current statements of fact nor should reliance be placed on them when making investment decisions. They shouldn't be considered as advice or a recommendation to buy, sell or hold a particular investment. Opinions expressed by named individuals don't necessarily reflect the views of the companies that employ them. Some of the individuals or their employers may have dealt in the investments discussed. As such, the book contains information and opinion on investments that doesn't constitute independent research, and therefore isn't subject to the protections afforded to independent research.