Copyright©2012 by Andrew Sobel and Jerold Panas. All rights
reserved.
Published by John Wiley & Sons, Inc., Hoboken, New Jersey.
Published simultaneously in Canada.
No part of this publication may be reproduced, stored in a retrieval
system, or transmitted in any form or by any means,
electronic, mechanical,
photocopying, recording, scanning, or otherwise, except as permitted under
Section 107 or 108 of the 1976
United States Copyright Act, without either
the prior written permission of the Publisher, or authorization through
payment of the appropriate per-copy fee to the Copyright Clearance Center,
Inc., 222 Rosewood Drive, Danvers, MA 01923, (978) 750-8400, fax (978)
646-8600,
or on the web at
www.copyright.com
. Requests to the Publisher
for permission should be addressed to the Permissions Department, John
Wiley & Sons, Inc., 111 River Street, Hoboken, NJ 07030, (201) 748-6011,
fax (201) 748-6008, or online at
http://www.wiley.com/go/permissions
.
Limit of Liability/Disclaimer ofWarranty: While the publisher and
author have used their best
efforts in preparing this book, they make no
representations or warranties with respect to the accuracy or completeness
of the contents of this book and specifically disclaim any implied warranties
of merchantability or fitness for a particular purpose. No warranty may be
created or extended by sales representatives or written sales materials. The
advice and strategies contained herein may not be suitable for your
situation. You should consult with a professional where appropriate. Neither
the publisher nor author shall be liable for any
loss of profit or any other
commercial damages, including but not limited to special, incidental,
consequential, or other damages.
For general information on our other products and services or for
technical support, please contact our Customer Care Department within the
United States at (800) 762-2974, outside the United States at (317) 572-
3993 or fax (317) 572-4002.
Wiley publishes in a variety of print and electronic formats and by print-
on-demand. Some material included with standard
print versions of this
book may not be included in e-books or in print-ondemand. If this book