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Disclaimer:  is an online reference of the published Q&A columns, articles, books, presentations, and appearances only. Questons sent to TITLEMAN are welcome and may appear in a future print article. 1 to 3 questions are selected per month for publication. Unfortunately, the volume of questions  submitted are far more than can be addressed on an individual basis. If an immediate answer is needed, you should, as always, consult with your own legal counsel.