Earnings Disclaimer

Your success in any web business or packaged income opportunity depends on your skills, your dedication, in some cases the amounts of money you invest, and in the luck that attends your efforts.

All business - including web business - contains the risk of loss as well as the opportunity for gain.

HBB Research (Change by Design Ltd and Inc), Michael Kay, and Hugh Munro and all their associated companies and institutions make no claim that you will earn anything from the advice and ideas found at this site. Nor will they be responsible for any losses you may sustain.