THIS SITE AND THE PRODUCTS AND SERVICES REFERENCED HEREIN ARE PROVIDED "AS IS" WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED. THE OWNER OF THIS SITE IS NOT LIABLE FOR ANY DAMAGES, INCLUDING ANY CONSEQUENTIAL DAMAGES, OF ANY KIND WHICH MAY RESULT TO THE USER FROM THE USE OF THE SITE, OR ANY OF THE PRODUCTS, SERVICES OR CALCULATORS REFERENCED HEREIN. IN PARTICULAR, THE CALCULATORS REFERENCED HEREIN SHOULD NOT BE USED FOR MAKING IMPORTANT, CRITICAL OR LIFE-DEPENDENT DECISIONS WITHOUT CONSULTING AN EXPERT.