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Disclaimer:
These spreadsheets are not public domain programs.  CS Design grants you a license to evaluate them for an indefinite period.  You may not sell, lease or rent or reverse engineer these spreadsheets.  Any such unauthorized use shall result in automatic and immediate termination of this license.

These spreadsheets are provided “as is”.  CS Design disclaims all warranties relating to this software and shall not be liable for any indirect, consequential or incidental damages arising out of use or inability to use such spreadsheets, even if advised of the possibility of such damages or claims. 

The person using the spreadsheets bears all risk as to the quality and performance of the software.  Although every effort has been made to ensure the accuracy, users should verify the results for themselves.