All of the narrative and textual content on this site, unless stated otherwise, is © Copyright, 2004 – 2009 by Rafael Nicolas Fermin. All of the applications and algorithms are explicitly granted to the Public Domain. You may use the formulas and VBA code on this site for any purpose you see fit without permission from me. This includes inclusion in commercial works and works for hire. By using the formula and code on this site, you agree to hold Rafael Nicolas Fermin Cota and the Richard Ivey School of Business, free of any liability. The formulas and code are presented as is and the author makes no warranty, express or implied, of their fitness for use. You assume all responsibility for testing and ensuring that the code works properly.

If you use any of the formula or code on this web site, I would appreciate that you put a reference to this site and/or the specific page in the code and/or in the related documentation.

Address any questions regarding code use to Rafael Nicolas Fermin Cota – nfermincota.hba2005@ivey.ca