Opinions, views or thoughts expressed in any presentation are those of the presenter and not the Calgary Association of Lifelong Learners.  Reference in any presentation to any specific commercial product, process, or service, or the use of any trade, firm, or corporation name is for general informational purposes only and does not constitute an endorsement, recommendation, or certification of any kind by the Calgary Association of Lifelong Learners. Persons using such products or services assume responsibility for their use in accordance with current directions of the provider or manufacturer.