Published by
Ivy Planning Group, LLC
15204 Omega Drive, Suite 110
Rockville, Maryland 20850
(301) 963-1669

© 2006 Janet Crenshaw Smith
All Rights Reserved. No part of this publication
may be reproduced, stored in a retrieval system
or transmitted in any form or by any means
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without the prior written consent
of the publisher.

ISBN 0-97-4152-1-4

Printed in the United States of America

Book design by Dane Rosendahl