All rights reserved. No part of the material protected by this copyright notice may be reproduced or utilized in any form or by any means, electronic or mechanical, including photocopying, recording, or by any information storage and retrieval system, or otherwise, without written permission from the author. This course was developed by the author without substantial resources from any academic or business institution. It is to be used only by the author for reasons determined by the author. A  contract is necessary allowing the material in this site to be used as part of an academic course.